23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX We are writing this complaint .... One that we have written on almost every file that we have had over the last 1.5 years with Select Portfolio Servicing ( SPS ). SPS is again dragging their feet on working on this file and has stretched out the file review for an additional 90 days. They continue to claim that each time their request a new document that they automatically give themselves another 30 days to review the file. So it should be no surprise at all that they end of each thirty day period, a new document is requested. This game has go on now for 3 successive months. Escalations of the file within SPS ' system yield no results and it appears that they only two reasons this is occurring is that it allows them to milk more servicing fees out of their dimwitted investors ( who have yet to catch on that anything is even going on on their asset ) and an utter lack of employees. It is very sad, but we have had managers at SPS tell us that they are doing the 'best ' they can, but are grossly understaffed. One can only assume that the chronic understaffing is being done in order to increase their profits at the expense of their investor, the borrower, and the communities in which these properties reside. 

I humbly request that instead of us having to continually fight to even get our clients documents review and files worked on that the CFPB take administrative action against SPS. Not only is the CFPB 's database filled with complaints against SPS, but a quick XXXX search will provide days .... In not weeks of reading material on the subject of SPS and servicing fraud. 

We would appreciate if the CFPB could put pressure on SPS to actually review and complete the file that we have submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a settlement letter to XXXX XXXX, offering a one time payment of {$100.00} to settle the balanced owed and remove the account from my credit report. However, I received a letter in the mail from XXXX 's stating " They are unable to remove the derogatory history from my credit file because the account information is correct ... '', when I did not request to dispute the account but rather to settle in exchange for the removal of this account from my report. This is completely unacceptable and I feel as though I am not being taken seriously. I have also been in contact with the three credit bureaus ( Experian, XXXX, and XXXX  ) since XXXX, XXXX in order to get this item removed from my account history. No bureau has honored my requests, and I would like to file this complaint against all three credit bureaus for the XXXX account history. 

Additionally, today ( XX/XX/XXXX ) marks 7 years since the closing of an account with XXXX. The closing date was XX/XX/XXXX, and this is past the statutes of limitations. This account needs to be deleted from my credit report for all three credit bureaus. TransUnion has honored my request, and therefore I will need to file a complaint against Experian and XXXX  for not honoring this. 

Thank you for your time, I look forward to a hasty reply.
Product: Debt collection

I received a  Summons letter  earlier this month from office of   XXXX   XXXX   XXXX   XXXX  stated that I failed to appear in court  XXXX  and a judgment was made against me in  XXXX  in regards to a  Providian cre dit card from maybe  XXXX . I emailed their offices questioning what the documents was about because I was never notified on the actual hearing date! Even worse it 's  10 year old a nd they are chasing me for this! I probably had this type of card but thought the account was charged off or something? Sorry not sure what came of this card, I will own that I could have had a balance but NOT {$3000.00}. This office stated that the amount before this " judgement " against me, {$1800.00} was being basically taxed every month since   XX/XX/XXXX !? Whi ch explains why it sits at {$3000.00}? Anyway I called this office today  XXXX  # and requested a payment plan because I ca n't afford to take time off and or extra court costs. I need to know if this is legitimate? This whole thing has thrown me for a loop because it 's been 10 years and the lustig office wo n't give me anything other than the summons letter to explain why after this long I 'm being charged to pay this drastic amount. Please help!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to file a formal complaint against Experian regarding their failure to delete a disputed debt from my credit report. The debt in question stems from identity theft, and despite my repeated attempts to dispute its validity, Experian has failed to take appropriate action. 

According to the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a debt to be sold or transferred without the debtor 's consent. As this debt is a result of identity theft, it is imperative that Experian follows the necessary procedures outlined in the FDCPA to rectify this issue promptly. 

I have provided all necessary documentation and evidence to support my claim of identity theft, yet Experian has neglected to uphold their obligations under the law. If the correct actions are not taken this time to rectify the situation and delete the disputed debt from my credit report, I will have no choice but to pursue litigation to ensure my rights are upheld and the matter is resolved appropriately. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against XXXX for their failure to comply with the FDCPA. 

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

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the XXXX  of my XXXX  to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, This account is being reported by XXXX XXXX XXXX XXXX from XXXX XXXX. I did not choose Auto-renew on this account and did not receive services for my pet that were not paid for. My pet has not been to any of their facilities for well over a year as I called in and cancelled the services. I have made several calls to speak with a supervisor and get this resolved and I've been told by phone Rep XXXX XXXX Employee # XXXX ) that I would get a call from a supervisor, and I have not received any responses. This is causing me great harm with my credit score having dropped significantly. I did not receive anything from anyone prior to me getting a notice that my score had dropped and then me seeing it on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent attached document to Experian, they did not reply to my said request in a timely manner. In fact, no reply came from Experian regarding this matter. Please see attached
Product: Money transfer, virtual currency, or money service

I tried transfering funds from my PNC checking account which I have used in the past. PNC blocked the transfer. There was no reason given by the PNC rep.
Product: Credit card or prepaid card

On XX/XX/2023 I made a {$50.00} payment on XXXX using my Citi credit card. XXXX charged a {$1.00} fee which was clearly disclosed when I made the transaction. A few days later I was charged a {$10.00} " Cash Advance Fee '' from Citi for this transaction. Citi claims this is disclosed in their credit card agreement -- which is multiple pages of fine print and impossible to read let alone comprehend. {$10.00} for a {$50.00} payment is excessive and is not clearly disclosed. This appears to be a widespread pattern of practice that could very well be deceptive or abusive under the laws enforced by the CFPB. I ask that you look at Citi 's practice more broadly as XXXX is widely used and I am certainly not the only consumer to be in this situation. I've been using my credit card on XXXX because I did not want XXXX having access to my bank account given the various data/security breaches with private financial information.
Product: Mortgage

The following is an addendum to the complaint I rendered on XX/XX/2016 pertaining to my loan modification with Nationstar : I neglected to mention that this loan was written under the auspices of the MAKING HOME AFFORDABLE PROGRAM via the U.S. government, which was designed to make mortgage payments more affordable for struggling homeowners. Nationstar arbitrarily increased our modified payment -- under the guise of re-paying an " escrow shortage '' ( that we knew nothing about ) pursuant to an " escrow analysis '' that Nationstar suspiciously conducted -- without our knowledge -- AFTER we signed the loan agreement for the moderately " more affordable '' modified payment. HOW IS NATIONSTAR COMPLYING WITHIN THE GUIDELINES -- AND ADHERING TO THE PURPOSE OF THE MAKING HOME AFFORDABLE PROGRAM WHEN THEY ARE INCREASING SET MODIFIED PAYMENTS- ( BEFORE THE PAYMENT IS DUE, AT THAT ) THEREBY PERPETUATING THEIR PRACTICE OF GAUGING AND BLEEDING THE CONSUMER OF FUNDS THAT THEY DO N'T HAVE? Nationstar 's actions pertaining to the underhanded increase of the modified contractual payment reek of XXXX -- and are against the law.
Product: Debt collection

XX/XX/XXXX A Letter was mailed to Tide Water Fiance Company in reference to account number XXXX for payments not be applied on time and repeated phone calls that were to stop and to apply payments on time. I continue to get emails when my payment is late and phone calls. My wife XXXX XXXX at XXXX called XX/XX/XXXX and asked them to stop calling the represenative advised that both my numbers XXXX and XXXX would be added to the do not call list. My wife called today and recorded the conversation with TideWater advising the call was recorded did indeed confirm that since XXXX XXXX 3 calls have been placed by them to collect a debt. 
I have paid the bill and the company has called to collect a late fee. Please advise as to what to do? I am tired of receiving calls and being harrassed from the company. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or omit the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX I pulled my XXXX and found that an account was opened at PNC Bank with my SSN on XX/XX/XXXX. I immediately reached out to PNC and advised as to what had occurred and they completed a XXXX XXXX report and would have the report sent to the fraud team to have the account immediately shut down. When I called back to obtain status I was told it was all set. I proceeded to ask questions to determine how this could happen and to find out additional information for the police report i.e where was the account opened, was it done online, at a branch what type of information was used to open the account they immediately advised I was not allowed to receive this information. HELLO, it's my SSN and YOU opened the account with fraudulent documentation. I immediately reached out to XXXX to determine if an inquiry was made and nothing. I also asked if i would get anything from them advising that the account had been closed and a full fraud investigation was conducted and i was met with an immediate no. The only thing that was done was a XXXX inquiry with XXXX. Which also played a part in allowing this to happen as they should have had a security alert on file since XX/XX/XXXX
Product: Mortgage

I have been working with Chase Bank to refinance my mortgage since XX/XX/XXXX. This isn't the first re-finance that I have gone through. I have gone through several of the years and have grown accustomed to how the process generally works. This current process has been disturbingly unorganized, noticeably filled with missteps and easily recognizable incompetence. There have been blatant attempts to stall by asking for data that clearly doesn't apply to my situation as well as several requests for pay statements. I have provided 3 months of pay statements. I have demonstrated at this point for sure that I am able to afford the mortgage. This seems to have elements of harassment or perhaps something much darker. I have never encountered such before. The communication has been mainly one sided with me responding to requests that don't make sense or don't apply to me personally. 

I have repeatedly asked for a response or explanation for the delays even escalating to the Mortgage Customer Care Specialist 's Team Manager for assistance. That happened on XX/XX/17. I haven't received a response yet to my concerns. I don't know what is going on with Chase Bank. I have never encountered such gross incompetence or lack of professionalism ever. I really don't want to pursue the refi but would like to know from the CFPB if there is a way that I could exit the refi that is going no where and retrieve the funds that I have already paid. Could you please assist me with my situation? 


Thank you for your willingness to help
Product: Mortgage

Since M & T Bank ( MTB ) began servicing my condominium mortgage in XX/XX/XXXX, I have received multiple letters from MTB asking for " evidence '' of insurance. The letters also indicate that MTB will purchase Force-Placed Insurance ( FPI ) for my property if I do not provide the current insurance. ( Escrowing for insurance is not in my loan. ) My condominium association pays for and holds the master hazard policy for my property. MOST IMPORTANTLY, THE COVERAGE IS WALL IN AND THE POLICY IS CURRENT ; IT HAS NOT EXPIRED, LAPSED, BEEN CANCELED, OR ENDED. 
The letters in question have the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
In response to the letter dated XX/XX/XXXX, I called MTBs customer service and faxed a copy of my condominium associations master policy. 
In response to the letter, dated XX/XX/XXXX and MTBs claim that my insurance had expired, I called customer service again and later received an apology letter from XXXX ( dated XX/XX/XXXX ). 
In response to the letter dated XX/XX/XXXX, I called MTB and faxed a copy of my condominium communitys insurance policy on XX/XX/XXXX. 
In response to the letter dated XX/XX/XXXX, claiming that our insurance had expired and that MTB would purchase FPI at an estimated cost of {$690.00}, we contacted customer service again, and were told that there was no record of our fax. I then sent the information via USPS Certified Mail and contacted the insurance company for my condominium association. The insurance agent faxed the policy information directly to MTB and, as a result, I received another apology letter from MTB dated XX/XX/XXXX. 
Astonishingly, I received a fifth letter from MTB dated XX/XX/XXXX, stating that their records show that my condominium HO-6 insurance has expired. MTB is now claiming that the master condominium policy for my unit excludes walls in coverage. Wall In coverage is listed in my insurance information that was submitted to MTB on multiple occasions. 
The situation with MTB and their repeated letters claiming our insurance is expired has reached the level of absurdity. I am a veteran and both my wife and I are XXXX XXXX. We contacted the Department of Banking in our home state about the issue and they suggested we contact CFPB. We have made repeated phone calls to MTB, sent the requested insurance information via fax ( on more than one occasion ), had it sent directly from the insurance company, and sent it by USPS Certified Mail.

At this point, I fear that MTB will buy FPI or HO-6 insurance for my property even though they have clear evidence that my master policy includes Wall In coverage. I want MTB 's repeated letters and claims about my insurance being " expired '' to stop. If MTB wishes to improve its customer service, it should take the time to read/review the master policy for my property and correctly update my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an XXXX XXXX XXXX  # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification. 

I acknowledge your immediate attention to this matter and response within XXXX business days. 

XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1500.00} and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$3000.00}.
Product: Debt collection

XXXX XXXX XXXX has been harrassing me and threatening to sue me for a debt that occurred in XX/XX/2009. I have asked them not to call me any more each time they call, but they keep calling me on my cell phone. This is not the first time I have had problems with them. A year ago they illegally reaged the account with the credit bureau, and threatened me with legal action, and it only stopped after I filed a complained.
Product: Credit reporting

I have an account on my Equifax report that has been deleted from both other creditagencies. The account has past the statute of limitation and should not still be actively reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an CAPITAL ONE customer since XXXX and during that time, I have enjoyed my experience with CAPITAL ONE greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a few late payments on the above referenced accounts that date back to XXXX and XXXX. All of the late payments are 30 day lates. Since that time I have been an exceptional customer paying early every month and have been rewarded by CAPITAL ONE with ever increasing limits and lower APRs. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payments from my credit report. At the time of those late payments, I was a full time college student without a job. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that CAPITAL ONE is willing to work with me on erasing these marks from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with CAPITAL ONE. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. CAPITAL ONE has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why CAPITAL ONE is heads above the rest. I look forward to your reply.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concerns regarding sales handling of disputes, particularly in light of the recent CFBP lawsuit, highlighting significant issues with the platform, despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible, and that tracking these transaction was on feasible the CFPBS finding and the case that Zelle has not only neglected to protect consumers, but has also allow repeat offenders to exploit the system, leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt of filing a CFPB complaint myself. The current status should not be showing late because I paid it on time. Credit Reporting Agencies lacks proper record keeping. The accounts are open nor tied up and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise please help me correct these accounts immediately : XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Mortgage

We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... XXXX XXXX refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on XXXX 's part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX, Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!
Product: Prepaid card

I bought the vanilla gift card ( nominal value XXXX dollars, XXXX dollars fee ) this XXXX. And then when I Planned to use the card to pay for the bill or buy something, the transactions were refused. I tried the card at several different merchants, but it did not work. 

I had no option but called the vanilla gift card ( Incomm financial services ) to request a card replacement, but they just wasted my time and refused to supply helps. After XXXX months ' phone calls, I requested the check refund, and they agreed to delivery the check on the day of XX/XX/year> ( case XXXX ). And I just thought I can get my money back soon, I get disappointed again. Till today, I still do not receive my check refund.