23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had a very difficult time with SPS. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. SPS always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time getting any assistance with any employee at SPS. 

I lost my job for 6 months but am back to work full time, and can afford my mortgage. I applied for a modification and SPS denied me saying they do not want to help with a modification. I have not had any problems with my mortgage since 2011 ( recession ), and my income can support the mortgage payment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has discharged the debt, file 1099 with IRS. This is considered as income once discharged and should not be reported on credit report and with the credit reporting agencies like XXXX, Equifax, and XXXX, and any other reporting agencies. Once they have sold or transfer the purchased money loan agreement or contract to a third party purchaser, then this illegal reporting should not be on my credit report. I requested that they removed this from my credit report immediately to no avail. This is considered as income according to the IRS, and income should not be reported on credit report of the consumer.
Product: Money transfer, virtual currency, or money service

JPMorgan Chase bank has blocked all of my attempts to wire money from my accounts to XXXX a crypto currency investment firm. I have tried to initiate wire transfer more than XXXX times and every time they block the wire transfer stating it is as suspicious activity. They then block my entire account, and I have to go through a process to unlock the account. 

After doing so I have explained to them several times this is legitimate activity initiated by me, however subsequent attempts to wire money are flagged and blocked. This is my money, and I should be able to wire to any financial institution I want. While I understand many scams and fraudulent things are associated with crypto currency, Chase bank needs to provide customers the ability to allow this type of transaction without being blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX XXXX {$39000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX {$250.00} XXXX XXXX {$990.00}
Product: Mortgage

We applied for a VA construction loan through our broker ( XXXX XXXXg ) and AFR was the lender. We had an issue with AFR from the beginning when AFR refused to agree on a draw schedule for our builder. The builder says they have never in their 20 years of building experienced this so we naturally were upset and we sent a complaint to AFR regarding the issue asking them to please work with our builder. Then we were days away from closing and AFR decides that they have refused to accept our garage ( built new in 2011 ) as equity. Which the appraiser, broker, and builder all said that in their 20 years of service they had never seen a lender not accept a garage as equity. Also, in the VA Loan Handbook the lender is required to give value for buildings on the property. The lender was made aware of the VA policy but still refused to consider it as equity.
Product: Credit card or prepaid card

I pay my apartment rent every month with my e-check with the management building leasing office. Now after two times my e-check bounced ( due to things out of control ). This month I had the option to use a credit card to pay the rent. My complaint is the leasing office system ( the convenience fees are very high ). For example a {$2000.00} rent a convenience fee of {$52.00} dollars with a Mastercard card. 

I am stuck now with the credit card option. Today I had to pay my rent using the credit card. 

How do the leasing companies, handles these convenience fees, for every time the rent is paid.
Product: Debt collection

Received an email from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX ) with a reference number. The claim is that we owe money to XXXX XXXX as of XX/XX/year>. I have called XXXX and confirmed that I closed our account with them with no monies due and account paid in full as of XX/XX/year>. I have the name of the agent and their agent number. Dates of debt are for when we no longer lived at address listed in collection document. I believe this company is a scam company. I have not responded to their email, nor have I called or provided Waypoint Resources Group, LLC any information. The email appears official and their is a website. However, over 30 years in XXXX XXXX XXXX .... anyone can setup a website to look official and still be a scammer.
Product: Mortgage

Fifth Third mandates I pay an escrow even though Fifth Third has failed to pay for my homeowner 's annual insurance premium. Fifth Third now  acknowledges my homeowners is with XXXX XXXX and acknowledges the correct premium dollar amount of {$900.00}. However, Fifth Third has the payment due to XXXX XXXX in XX/XX/XXXX when the actual date the annual premium is due is XX/XX/XXXX. I have attached two items from XXXX XXXX showing the premium is due in XXXX. Fifth Third did not pay the premium in XX/XX/XXXX. I was forced to make the payment or be lapse in my homeowners insurance. I thank Fifth Third for their letter dated XX/XX/XXXX detailing my starting escrow balance of {$1000.00}. My required escrow balance is {$1000.00}. I already have {$33.00} excess in my escrow balance and Fifth Third is forcing me to pay escrow for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX or an eight additional months.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I paid XXXX XXXX six ( 6 ) payments on my XXXX XXXX credit card account. I called their telephone number on XX/XX/XXXX to get the balance. I was given a person with whom to speak but she said, " The system is down. I have limited access. '' I have no idea about what she is talking. 

I should be able upon calling to know precisely how much they received that I had paid! 

Nor would she send me a statement as I had requested. 

So I do not know how much I have remaining on my credit card account! 

But I should have been told by her precisely how much is remaining! 

XXXX XXXX is inefficient and slow in handling my payments and unable to tell me my current balance! 

XXXX XXXX handles the XXXX Rewards card and is big enough to provide the information that I repeatedly requested to no avail today!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the collection agencies as well as the sent letters on XX/XX/XXXX to Experian, XXXX, and XXXX. I have uploaded the letters below. However it has been more than 30 days and the credit bureaus and or collection companies has failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. The credit agencies furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in anyof it. More so they didn't follow the proper 5 step validation procedure which make thisunfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation andclearly they violated my rights.
Product: Debt collection

I have never received notification of this alleged debt of {$200.00}. I have no idea what it is for and why it is on my credit report. I demand immediate removal from XXXX. This has caused my score to drop unnecessarily.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had XXXXhirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX  XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Balance $ XXXX Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXX Balance Owed : {$690.00} XXXX XXXX *** Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX XXXXXXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8500.00} TXXXX XXXXXXXX Balance Owed : {$690.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

I took out a small loan to pay some debt with CHASE AMAZON REWARDS. I paid {$1300.00} off. The entire balance. A week later they are still REVIEWING MY PAYMENT and I have no access to my credit. They said it WASN'T LIKE ME TO PAY THAT MUCH. IM BEING PUNISHED FOR PAYING OFF MY CARD. I WILL BE CLOSING THIS CARD.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of fraudulent accounts on my credit report, which have persisted despite previous requests and confirmed documentation of identity theft. It is my understanding that failure to comply with the law by removing these fraudulent accounts constitutes a violation of regulations governing credit reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I request an immediate investigation into these accounts and their removal from my credit report in accordance with legal requirements. Your prompt action in resolving this matter is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 


XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Company was contacted on XX/XX/18 about debt via certified mail. Company received notification on XX/XX/18. It is now XX/XX/18 and I have not heard back from the company yet wrong information is being reported.The FCRA gives the company 30 days to respond.
Product: Credit card

I opened a fraud investigation with Pay Pal Synchrony bank Account ending in : XXXX. They advised the following which are completely untrue : They advised that You authorized, participated in, or benefited from the purchase and Payments have been made by you on this account has been open for more than 12 months with statements sent to you. 

I have not had a Pay Pal or Pay Pal bank credit card in 10 years if ever. I had no knowledge of the account being opened and did not received anything that was from purchases made on adopt a phone. I also have no idea where the payment would have come from since it did not come from any account I have knowledge of. Synchrony bank had a mailing address that was an address I have not lived at in 2 and a half years, along with a phone number and email address that are not mine. All the information I have found out on calls with them. 

I have filed a police report as soon as I was made aware of the situation ( attached ) and have locked my credit down on all agencies. 

I have probably made over a dozen calls on this issue so far to different credit reporting agencies wasting my time and energy.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries showed up on my credit report this morning, and I have no clue why. When I checked, I was shocked by the sudden discrepancies. Refreshing the page didnt fix it, and its been extremely frustrating. I urgently need the documents I've submitted to be reviewed so that I can finally feel secure about my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on Date, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on Date and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a 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 reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 

Here are the list of accounts that are not reporting accurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Also these accounts are listed more than once on my credit reports!!!!!
Product: Debt collection

I XXXX XXXX dispute this debt and request validation of the debt under the fdcpa.
Product: Student loan

FIR ST MARK SERVICES   XXXX   XXXX   XXXX .     D ear First Mark Services : You have not provided proof of the student loan. In you documents you said I received the loan at the   XXXX     XXXX   XXXX . After further inquiry, you must provide me with the original origination papers and contract documents as I requested from you earlier. I also stated to you that the information you provided to  XXXX   XXXX  is fraudulent and I asked you to stop, provide proof and verify these things.     You can not service this loan. I asked you to provide this information to me and you did not. The original documents must include when the account was 'charged or written off ' because you list these accounts date opened in  XXXX  and  XXXX  that  is twenty year s ago.     You can not report this to  XXXX   XXXX  because I identify it as fraudulent. You continue to report it to the agency and I will report you to the student loan ombudsman office and Dept of Justice for unfair, deceptive acts and practices.     You should also check online to see that private loans are not eligible to be listed as federal student loans for re-couperation in the federal guarantee loan system.     Please check your records and send it back to  XXXX .       Regards  XXXX   XXXX   XXXX   XXXX
Product: Mortgage

COMPLAINT NUMBER XXXX I AM REQUESTING ALLL DOCUMENTATION FROM WEISSMAN LAW LOCATION:XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, Georgia XXXX FROM XXXX XXXX THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL. 

THIS LAWFIRM STATED THEY HAD NOTHING TO DO WITH XXXX XXXX XXXX XXXX, XXXX GA XXXX
Product: Credit card

On Board an XXXX XXXX flight the passengers were offered roundtrip tickets to any US destination including Hawaii if we applied for a CITI Bank, AA Advantage card. I recieved the card and spent the required amount in the required period to qualify for the Hawaii tickets. Upon applying for those tickets I was told that Hawaii was not a part of that offer. The card as presented by XXXX XXXX agent was false and both CITI Bank and XXXX XXXX will not honor the offer as presented.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX Experian and the other bureaus were contacted due to them " wrongfully '' deleting ( 2 ) open and exceptional accounts with my XXXX XXXX XXXX XXXX Representative- XXXX ID # XXXX XX/XX/XXXX, XXXX I spoke with creditor XXXX XXXX XXXX representative XXXX in the consumer department and explained the situation to him. He mailed a letter providing account details on my behalf to have my " wrongfully '' deleted accounts reinstated and accurately reflecting. ( This negligence affected my scores for 3 weeks and consumed over 10 hours of my time ) XX/XX/XXXX, XXXX XXXX XXXX Credit card department representative XXXX confirmed that a letter was mailed on XX/XX/XXXX and that an off cycle electronic reporting was completed on XX/XX/XXXX. 

XX/XX/XXXX, XXXX My paid subscription with Experian that allows me to access my fico score across all three bureaus, updated all three. Both accounts are back in my file BUT THE PARTICULAR ACCOUNT FOR THIS COMPLAINT WHICH IS MY CREDIT CARD DID NOT UPDATE ON MY EXPERIAN. The balance shown is inaccurate and needs correction immediately and should not be delayed given the substantial amount of proof provided in the attached documents. 

XX/XX/XXXX, XXXX during the researching of my reports I decided to contact my creditor XXXX XXXX for the same account in question ( Credit Card ) and spoke with representative XXXX in the credit card department. XXXX confirmed that my highest balance ever reported on my account was for XX/XX/XXXX for the amount of {$2600.00}. All three bureaus has a high balance listed as {$16000.00} which is inaccurate, negligent, and defamation of character. 
If Bureaus are stating that the high balance of {$16000.00} is verified with creditor I require proof of that verification covering all the requirements listed below. 
1. Method of verification ( How were the details acquired? If there was a direct contact person, list their names, titles, departments, phone numbers, and the date contacted, also list the bureau agent and Identification number that made contact ) 2. Proof of verification ( Present to myself as well as CFPB the documentation from the CREDITOR reflecting that you're reporting is accurate. If a vague response is provided here, I still require this be mailed to me so that it could personally use it as needed ) 3. Date of high balance ( Report this directly to this case, so that I may open a separate complaint with the corresponding monthly statement while referencing this complaint to direct CFPB to what you claimed here ) Exhibits A : XXXX - Emessage from XXXX XXXX confirming the reporting of the accounts to be reinstated on my files. Confirmation number included B : XXXX - Experian report reflecting inaccurate current balance and inaccurate high balance with detailed cliff notes. 

C : XXXX- XXXX  report reflecting accurate current balance and inaccurate high balance with detailed cliff notes. 

D : XXXX - XXXX  report reflecting accurate current balance and inaccurate high balance with detailed cliff notes.