23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio Servicing Inc ( SPS ) violated RESPA 1024.41 ( g ) Prohibition on foreclosure sale made an error by scheduling and/or participating in scheduling and/or effecting the scheduling of the foreclosure sale of subject real estate property for XX/XX/XXXX. 

RESPA 1024.41 ( g ) require that : ( g ) Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, unless : ( 1 ) the borrower has not requested an appeal within the applicable time period for requesting an appeal, or the borrower 's appeal has been denied; On XX/XX/XXXX we timely appealed SPSs XX/XX/XXXX SPSs Loss Mitigation decision. 
SPS DID NOT answer our Appeal and DID NOT inform us about their appeal decision prior to scheduling and/or participating in scheduling and/or effecting the scheduling of the foreclosure sale of subject real estate property. 

The following is a sequence of recent communications with SPS and their agents regarding this matter : 1. On XX/XX/XXXX SPS sent us their Loss Mitigation decision ( See attachment # 1 ) informing us about our right to Appeal SPS decision within 30 days 2, On XX/XX/XXXX we timely filed an Appeal of SPS Loss Mitigation decision ( See attachment # 2 ) to the email address SPS provided in Loss Mitigation decision 3, On XX/XX/XXXX we received SPS email confirming the receipt of our Appeal. ( See attachment # 3 ) 4. On XX/XX/XXXX XXXX XXXX, alleged attorneys of the purported mortgage holder XXXX XXXX XXXX, as trustee, on behalf of the holder of the XXXX XXXX XXXX XXXX Home Equity Loan Trust, XXXX XXXX  XXXX XXXX XXXX XXXXThrough Certificates, XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX. as trustee ) sent us a Notice of Intention to Foreclose ( see attachment # 4 ) 5. On XX/XX/XXXX SPS, as alleged servicer for the XXXX XXXX. as trustee, sent us a Foreclosure Sale Date Notice ( see attachment # 5 ), a letter informing us about the XX/XX/XXXX scheduled foreclosure auction of our property.
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 to privacy and confidentiality under 15 USC 1681. 
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 a account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX and on XX/XX/XXXX I received a letter from the Wells Fargo mediation program administrator in regards to possible fraudulent accounts that were open in my name that I did not authorize or want. In the letter, they informed me to contact the mediation department if I had any concerns about this issue. Thereafter, I contacted the Wells Fargo Mediation Program and they explain to me the process on how to file a claim and informed me to complete the mediation request form and mail or fax it to the address provided on the form. After  do so, on XX/XX/XXXX I received a letter informing me from the mediation program that they received my request. On XX/XX/XXXX I received a letter informing me about the Mediation process and " what I need to know ''. The letter states " You are not waiving any legal claims by participating in this voluntary process, and there is no cost to you. Within 30 days, you were either be contacted directly by Wells Fargo or contacted by the mediation provider to schedule a telephone mediation session. We have enclosed a copy of material related to your claim that has also been provided to the mediator. The mediation service may also mail you copies of these documents, along with a letter that confirms they received your claim. I was sent an additional mediation form to fill out with my personal information and I sent it again requesting {$100000.00} in relief sought. I signed and dated the form on XX/XX/XXXX. On XX/XX/XXXX the mediation sent me a letter in regards to an Amended Proposal. The letter states that they reviewed the details from my mediation session with XXXX XXXX XXXX and because there was no agreement reached during the mediation session, the mediator created a Mediation Proposal asking that if I agree with the terms listed on the amended mediation proposal to sign it and return it to them. After reviewing the mediation proposal I agreed to signed it to be compensated for my claim. I only signed the mediation form under the condition that I still retain the right to file a complaint with Consumer Financial Protection Bureau to pursue all other applicable contractual and non contractual remedies. On XX/XX/XXXX I received another letter in regards to my claim settlement. Wells Fargo compensated with Identity Theft Protection as well as {$3000.00}. Im filing this complaint with the Consumer Finance Bureau because I would like to take further action with my complaint with Wells Fargo. I would like to pursue all other applicable contractual and non contractual remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies response is that I hired a credit repair company. I sent in the FTC reports and Equifax data breach paper work myself. Letters went out because I sent them on my own I did my research as stated in the Equifax data breach paper works and I am very aware that this is a stall tactic that is used to slow down the process of my investigation. Please remove these inaccurate items from my credit report. The items are all FCRA violations and they go against my consumer rights. My information was breached in the Equifax data breach and I stated that as well. I am trying to buy a home to keep custody of my children and these items that are reporting unauthorized and inaccurate are holding me back and is causing a great deal of stress. Please investigate thoroughly and update this incorrect information.
Product: Credit reporting

Hello. I have had nothing but problems for years with EQUIFAX. I recently filed Chapter XXXX got all my debt cleared trying to have a fresh start. I have asked EQUIFAX to remove all inquires I circled and sent them from my Equifax credit report. I have had so many people pull my credit unknowing since filing bankruptcy to offer me car deals and send stuff through mail. I also saw a change within a week of my credit score dropping XXXX points from where?? They have not provided why my score dropped so drastic. it is bizarre because XXXX and XXXX have honored my requests and my score is XXXX on both Equifax reports XXXX in XXXX XXXX and now XXXX XXXX XXXX something is clearly wrong especially since I have not occured any more debt and XXXX points is massive to not know where and why it dropped and came from. I always get a auto generated message from them no answers to why or how they found the information. They just say call the person inquiring but they say call Equifax!! Please help me I am restoring my life and trying to open a non profit for children in human trafficking. This is frustrating and unfair. 

RespectfullyXXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and I notice some fraudulent accounts on my credit report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Convergent outsourcing 15 U.S.C 1681 section 602 A. States I have 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 ) ( 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

Please consider this as my formal complaint to the LOCAL FINANCE COMPANY for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a payment on my Amazon card. On XX/XX/XXXX I paid the balance in full prior to the XX/XX/XXXX statement date. On XX/XX/XXXX Synchrony incorrectly, negligently applied a {$7.00} Interest charge to my account. According to my records it was paid off to XXXX  because it was. Adding insult to injury I contracted Covid the end of XX/XX/XXXX through XX/XX/XXXX ( XXXX 2 times ) I am only advising of that because I wasnt even in the position to monitor this. So I couldnt have stopped what synchrony was about to do to me. They reported me 30 days late to all credit bureaus, they decreased my available credit line. This has majorly and unfairly damaged my credit. I spoke with 3 reps at synchrony the first one immediately removed the now {$9.00} interest fee. I then spoke to a rep who was wonderful she apologized profusely and acknowledged the incorrect reporting, but an apology can not fix this fast enough for me to be able to trade my car in. Synchronys reps, although acknowledging the mistake, can not resolve it today nor can they advise a time frame. I have a XXXX XXXX XXXX  XXXX I am an American with a XXXX. I am XXXX XXXX XXXX on SSD I have limited income and I have worked so hard to keep my credit up, to build it so I could buy a new car and synchrony single handedly ruined this. Although this is being escalated within the bank there is no resolution for repair. I have had help handling this, but what about other XXXX people who dont have help who wouldnt have realized this, this shouldnt have happened to me and I am submitting this in hopes I can even help this from happening to one more person. They charged interest that wasnt owed, they reported me 30 days late and possibly 60 ( they arent sure if that will hit yet ) and they lowered my available credit affecting my credit card usage. Thanks for taking the time to read this.
Product: Credit reporting or other personal consumer reports

There are a lot of charges and things on my credit report that I have nothing to do with and it is preventing me from moving forward in life. From bank statements to identity theft and I have no idea how to fix this problem
Product: Money transfer, virtual currency, or money service

I attempted to send {$300.00} to my son via XXXX on XX/XX/XXXX. I used my smart phone and sent the funds to his cell via text. My son only has one number listed in my smartphone phonebook. The transaction went through and the funds were immediately withdrawn from my account. On XX/XX/XXXX I discovered that my son never received the money. I filed a complaint with my bank. A claim was investigated and I was informed today that my request for reimbursement was being denied. The recipients financial institution will not return the funds and neither will my bank.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I used PayPal for a purchas in the amount of {$250.00}. 

The purchase did not go through. I later contracted the seller. They confirmed that they had never received the payment from Paypal. It was PayPal that had been holding the payment. 

Paypal didn't send the payment to the seller, and neither did they return it back to my credit card.
Product: Credit card or prepaid card

I closed my discover card account by notifying the company in XX/XX/XXXX. They promised to close my account and to send a paper bill to settle my final payment. I never got a bill until XXXX which showed the final amount with added on late fees and interest charges. I called Discover on XX/XX/XXXX and told them they did not send me the final bill in XXXX so that I could pay it in full and never paid late. They agreed to remove the late fees and interest charges and told me my final payment was {$1000.00}. I paid the COMPLETE amount by check stat on the phone on XX/XX/XXXX. I gave them routing and account number for my bank and their rep confirmed that it cleared. Their customer rep told me my balance was fully paid, account was closed and they would never bother me again. I got another bill and email for {$1000.00} on XX/XX/XXXX. When I called Discover yesterday i.e. XX/XX/XXXX, they said they would " look into it and open a dispute and get back to me in 15 days ''. They said the payment had not processed, although that is not what they said earlier and they had my bank information already and they had 1 week to process it. In the meantime, they said they would keep accumulating interest and late fees and charge me for it. 
Discover is obviously cheating me because they are refusing to process my check, refusing to close my account and want to keep charging fees/interests to illegally make more money from me. 
This is a disgusting and unethical process. They should not try to leech on desperately to customers in order to make more money from them, and to play these desperate games.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$390.00}.
Product: Credit card

My wife XXXX XXXX XXXX XXXX & I ( XXXX XXXX XXXX had someone open credit cards with Bank of America. The accounts end in XXXX, XXXX, XXXX, XXXX. We opened fraud claims and some of the negative dings on our credit have been removed per the repositories however, it is NOT being reflected in our credit scores. This is greatly impacting our ability to qualify for a home loan. Please REMOVE the delinquencies from our credit reports and update our credit scores immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I submitted a dispute to XXXX XXXX XXXX XXXX concerning the reporting of a false and illegal account from the company known as Resurgent/ LVNV Funding the company is falsely listing a account to my credit profile with XXXX this account i have no knowledge of nor have i ever been under contact or under any agreement with the company listed above. i asked XXXX to properly investigate the matter of which the company failed to do so
Product: Mortgage

We sold our home in XXXX 2016. Painting on the outside was required. On XXXX XXXX, 2016 the painter completed the work. The lender was advised and they were to send an appraiser out to check the work. Several emails and phone calls later, an appraiser has still not checked the work. The painter has n't been paid and the remainder of our escrow funds have not been released.
Product: Mortgage

I closed a HELOC with PNC late last year. Prior to closing I had both a recorded phone call and an email from her describing how my payment would be broken up. I mentioned to her in my email and call that before closing I wanted to know how much of my payment would go toward principal and how much would be interest. I have in writing ( and she told me on the phone ) that my total payment ( knowing how much I was transferring and using ) would be {$480.00} and that of that {$240.00} goes to principal and the rest goes towards interest. I signed to receive funds with this understanding. The first month- this was accurately drawn but the following months from XXXX through current they have been only putting less than {$70.00} of my payment towards my principal. I tried emailing XXXX XXXX ( my loan closer ) and she apparently was moved to a different department, I then tried to speak with her boss ( XXXX XXXX who said he couldn't help me ). I went into a branch and spoke with XXXX about it and she said that I needed to transfer {$1300.00} from checking to HELOC in order to fix it which I did and that didn't fix it. When I went back to see her- that branch had changed to ATM only and she didn't work there anymore. I then spoke with XXXX XXXX who tried to help but couldn't get an answer about what had happened and now she too has stopped responding to me. I want my payments to be split the way I was told IN WRITING ( have copies ) they would be. I would not have signed to receive this HELOC if I had known my payments would be split differently. If this isn't illegal it is certainly unethical and absolutely PREDATORY. At this point- I should have over {$2000.00} as part of my principal put back into HELOC account based on how I was told my payments would be split. I would like that money back and also I would like my payments to be fixed moving forward.
Product: Credit reporting or other personal consumer reports

credit cards being applied in my name, there are many
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative information listed on my credit report. Specifically, I am concerned about the following accounts : Account Number : XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account Number : XXXX ( XXXX XXXX XXXX ) This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Account XXXX : XXXXXXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I request that you investigate these accounts and correct any errors. It is important that my credit report accurately reflects my credit history. I appreciate your prompt attention to this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

That happened with bank of America The time with XXXX virus I received the money from government to bank of America the final the bank took like XXXX $ from my account I called everyone but no one help me ..can you check the last transaction in my account... I don't take this many... .can you help me back my many again and take my right after all this time My friend tell me about this website first time I try... .thank you
Product: Debt collection

I am requesting for XXXX XXXX of XXXX to remove and block this fraudulent account immediately from my Equifax credit report. Your company as well as Equifax recently deleted this item from my credit report. Your company as well as Equifax have violated my rights under FCRA by reinserting recently deleted on my credit report without first notifying me within five days. Why have your company violated my rights? I am seeking punitive damages as well as {$1000.00} from your company.
Product: Credit reporting or other personal consumer reports

I submitted a dispute, XXXX and XXXX XXXX corrected it in their system. Equifax denied the request without investigating in about 24 hours.