23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio Servicing, Inc Complaint They have asked me to verbally agree to payment plans over the phone but refuse to send me letters about the plan. They say I need to verbally say yes, then they will send me the packet.

This is not the first time, I have felt scammed from them.

I contacted them when COVID hit to ask for 2 month deferral, due to hardship. I have never missed a payment and I also had automatic payments set up. The women assured me that my payments would be deferred for 2 months and my monthly mortgage would resume and then SPS would work with me to reconcile the 2 months missed. 

Now they have no record of a deferral of payments, I am in now in forbearance mode and must come up with $ XXXX by XXXX. They have no record of any past conversation they " say '' however all calls have been recorded. 

They now have rolled in all these hidden fee 's when I have a letter stating that due to COVID they won't have hidden fee 's or % rates. This company is also the company that gave me a 7.8 % mortgage interest.

I definitely think someone needs to audit them.

As someone who owns companies, this company isn't honest or full of integrity at all. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX
Product: Checking or savings account

XX/XX/2020 went to chase bank in XXXX, la to notified them of my mothers death at the time i was added to mothers account on are about XXXX XXXX XXXX XXXX went in to retrieve information on the account but was not allowed to got mad because I XXXX XXXX had already done so so she went and got fake documents letter of possession saying she was the only child and received a cashiers check from savings account for {$21000.00} and another from checking account total of {$9700.00} closing the accounts I returned on or about XXXX XXXX spoke to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX, la XXXX and was asked was i aware of her closing theses accounts out which i told her i knew nothing about it so she immedeiately contacted the fraud dept and contacted the corporate office to notify them and nothing was done was told she had the right documents to close the accounts which was not true
Product: Mortgage

On XX/XX/XXXX I sent the Loss Mitigation Application to the bank attorney and the Loss Mitigation Department representative XXXX XXXX by email. 

On XX/XX/XXXX the bank attorney told me that the coborrower signature is needed. 
The Loss Mitigation Department Representative told me that the information of the coborrower is needed to evaluate the application. 

On XX/XX/XXXX the representative told me that the coborrower also has to accept the agreement. 

Since XXXX we are divorced. 
Since XXXX on the XXXX XXXX page XXXX the coborrower signature is not needed if is divorced. 

Also on XXXX : Many FHA-insured borrowers have faced significant obstacles to obtaining a mortgage loan modification, where their loan involves a co-borrower and the co-borrower is unavailable. Mortgage servicers have generally allowed a mortgage modification only where the absent co-borrowers execute the loan modification agreement. But that may, as a practical matter, be impossible because death, divorce, separation, domestic violence or other significant life events involving the co-borrower. A XX/XX/XXXX update to HUDs Single Family Housing Policy Handbook, 4000.1 ( XX/XX/XXXX ), effective XX/XX/XXXX, clarifies that FHA does not require unavailable co-borrowers to execute FHA mortgage loan modification agreements. This is an important policy clarification that should help borrowers more easily access alternatives to foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX 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 604 A section 2 : it also states a consumer reporting agency can not furnish a account without instructions
Product: Credit card or prepaid card

I received a denial letter in the mail for a credit card that I never applied for. The letter came from Comenity Capital Bank in XXXX Ohio and although it appears to look legitimate I know it is not. Upon further review you can definitely see that the letter looks very fraudulent. It looks like it is phishing for information from me and a lot of the words are misspelled. The reason for the denial is really odd as it states : Here are the reasons for declining your request : Lack of real estate Too few accounts paid as agreed Too few bank cards with high credit limit Too many inquiries I dont know about you, but if you are anyone with intelligence who has applied for a credit card and been denied before, these are none of the reasons that they deny you. They usually deny you for reason like delinquent accounts, not enough credit history, too much debt, not lack of real estate or not enough bank cards with high enough credit limits. When I read through this I knew this was not a legitimate denial letter. 
I dont recall applying for a credit card named XXXX XXXX XXXX I am in the process of paying off my debt so it doesnt make any sense. If you will also notice XXXX is misspelled and should be spelled XXXX. So I want to report this because if someone didnt know any better they would have fallen for this misguided attempt at a denial letter. The concerning part is they have pulled my credit score and attached it to the letter so they have to have access to my information somewhere. Do people really have nothing better to do with their time?
Product: Vehicle loan or lease

Company stated they did not get the XX/XX/XXXX payment Discontinued online payments that were made because of security problems they stated XX/XX/XXXX XXXX XXXX account XXXX check # XXXX XX/XX/XXXX Phone Payment to XXXX confirmation # XXXX {$400.00} XX/XX/XXXX Phone payment confirmation # XXXX XX/XX/XXXX XXXX XXXX  Confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX XX/XX/XXXX XXXX confirmation # XXXX Called and was told I owe over {$500.00} this month in addition to monthly statement amount. 
I am constantly being charge {$18.00} every month. 
XX/XX/XXXX bill {$860.00} with {$18.00} late fee XX/XX/XXXX bill {$890.00} with XXXX late
Product: Payday loan, title loan, or personal loan

2013 I was paying a loan back to Speedy cash but instead they said I was only paying interest after thinking I s l was done paying for, Funds increased to pay back
Product: Credit reporting or other personal consumer reports

My credit was compromised in the Experian data breach.
Product: Prepaid card

They transferred me to the activation hotline. They activated my gift card. But I still having the same the problem over and over again.
Product: Debt collection

I have never had any interaction with this agency and they are claiming to be a creditor on my credit report. They are not a creditor of mine
Product: Credit reporting or other personal consumer reports

I kindly request that you investigate this matter under the requirements of the FCRA and either correct or remove the inaccurate information from my credit report. Please notify me of the results of your investigation and provide me with a corrected copy of my credit report once the errors have been addressed.
Product: Mortgage

When we bought the home on  XX/XX/XXXX  we also received checks around  XXXX   XXXX  to pay off some other bills. Within  two  weeks our company went bankrupt and we had to file bankruptcy also. We still had the checks from Beneficial. Our lawyer and  Beneficial  said to send them back to Beneficial. That is when the problem started. I sent back all the checks to Beneficial but they never took them off of what we owed. I asked to get copies of the checks but to no avail. I told the gentleman I want to keep the house and I wanted it to be reaffirmed and he said ok.   I have been trying to get  XXXX  since  XX/XX/XXXX . My doctor has told me not to work. I am just asking to keep my home. Every since we bought the home it has been a nightmare. There was no home inspection done at the time that we bought the home and we had termites. That was a fortune to get rid of them and now the floors in the living room where the termites were is caving in and we are scared to walk on them. I still feel there is something wrong with the way the paperwork and closing was done. I have asked  Beneficial  to do an audit on our closing paperwork but to no avail.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the incorrect information currently being reported on my credit report. Specifically, the balances for two of my accounts are inaccurately reported. 

XXXXXXXX XXXX : My current balance is {$75.00}. However, your report shows a higher balance. 
XXXX XXXX : My current balance is {$0.00}. However, your report shows a higher balance. 
I have contacted both XXXXXXXX XXXX  and XXXX XXXX to update my credit report with the accurate balances, but the reports have not been corrected. As a result, I am submitting this dispute through the Consumer Financial Protection Bureau ( CFPB ) to ensure that my credit report reflects the accurate and up-to-date information. 

Attached, you will find a letter from XXXXXXXX XXXX confirming my current balance of {$75.00}, and a letter from XXXX XXXX confirming my current balance of {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violations XXXX XXXX  XXXX # XXXX Kelen v. Nordstrom, Inc. 
United States District Court, S.D. New York. 
Dec 16, 2016 259 F. Supp. 3d 75 ( S.D.N.Y. 2016 ) On XX/XX/XXXX, XXXX opened an in-store credit account with XXXX. SAC 9, 12. XXXX claims XXXX made unlawful disclosures to her with respect to the fees for ( 1 ) payments returned by the consumer 's financial institution, and ( 2 ) late payments. The Court describes, in turn, the bases for these two claims. 
1. Failure to Properly Disclose the Fees for Returned Payments XXXX 's account-opening disclosure contained a table summarizing key account terms ( the " Schumer Box '' ) and a more detailed explanation of the account terms ( the " Cardholder Agreement '' ). Id. 13 ; see Dkt. 24 ( " Def. Br. '' ) at 9. The Schumer Box disclosed that the fee for " Returned Payments '' was " {$25.00}. '' SAC 14. The Cardholder Agreement also disclosed that the fee for payments returned by the consumer 's financial institution was {$25.00}. Id. 15. 
EECU {$18000.00} report lates in XX/XX/XXXX, not accurate reported to the company, still on my credit bureau. Please remove, thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX Ser EECU BBVA USA Juan Aguiar et al v. BBVA USA et al ( 2:20-cv-02156 ) Courts > California Central District Court Filed : XX/XX/XXXX Judge : XXXX XXXX  XXXX Nature of Suit  : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act Parties Matched : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Amer Koorndyk v. Bank of America , N.A. et al ( XXXX ) Courts > Nevada District Court Filed : XX/XX/XXXX Judge : XXXX F XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act XXXX/XXXX XXXX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage ( Lakeview loan care ) is disbursing/using my escrow funds with the incorrect amount for school and general taxes on a parcel ( parcel ID XXXX XXXX ). They are claiming my school taxes for this parcel amount to {$5000.00} per year ( or $ XXXX annual ) and my general taxes {$1800.00} per year ( or {$900.00} biannual ). You can find this information in the doucments attached. This is incorrect, I confirmed with XXXX XXXX ( XXXX XXXX, XXXX XXXX, NY ) that for this parcel my school taxes are {$170.00} for the year and general taxes are {$59.00} for the year. 

You XXXX search on XXXX XXXX land records under section XXXX, block XXXX, lot XXXX to find the approriate amounts for school and general taxes. 

I have submitted bills that I received in addition to current land records and my mortgage refuses to correct this problem. I was told on the phone that they verified these numbers on XX/XX/XXXX with a tax collector and that my information is incorrect. 

My escrow is now in a negative balace ( - {$4900.00} ) and they increased my mortgage to over $ XXXX bringing my mortgage to {$5500.00} per month where I was previously paying around {$4400.00} a month. 

Attached is documents providing proof of what XXXX XXXX wants for school and general taxes and then the escrow statement shows they are paying out {$2500.00} twice and {$900.00} twice. Again this is an inappropriate amoutnt and they have already started disbursing it.
Product: Credit reporting

XX/XX/2016 To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit intonation. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof that these items are accurate and correct. Name of Company, Person Who Verified the Information, Phone Number and Date verified 1 ) I am disputing that the information on the credit report sent was not answer XXXX XXXX. is not accurate and that I request to be provided proof that this information is accurate failing that you must remove this item from my report and send XXXX a update copy as soon possible. If this report is the cause of me not getting approve I will be seeking legal action. 
Be advised if you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek Civil action, for damages, cost, and attorney fee, should you continue report these inaccurate report. 
Under federal law, you have 30 days to complete your re-investigation, yet you have failed to answer my items high lite in the first report. Your continued delays are inexcusable. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information to be provided a complete copy of the credit report that any Company or Bank can review on completion of your re-investigation. 
Be advised if you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek Civil action, for damages, cost, and attorney fee. should you continue reporting this inaccurate report. 
Under federal law, you had 30 days to complete your investigation, yet you have failed to provide a complete credit report. Your continued delays are inexcusable.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a furniture lease with acima XXXX. this is not a credit account and i did not use my credit to obtain this lease. this is a no credit lease. i want this removed off my credit report. i sign a no credit lease not a reporting lease.
Product: Credit reporting or other personal consumer reports

Ive sent in multiple dispute letters and have called to get these accounts off my credit report. Still have not gotten any reports that states these are my accounts. I didnt give these companies my consent for these inquiries and wish to have them removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible CXXXX  XXXX Balanced {$9800.00} XXXX XXXX XXXXXXXX XXXX Balanced {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Mortgage

I received the attached letters on the same day XX/XX/2021 BOTH in a non post dated envelope -- from WF Escrow showing I have a shortage and new pmt as I dont understand how I have a {$1900.00} shortage and payment stays almost the same? XXXX XXXX as of XX/XX/2021 WF escrow shortage does not clearly show me how this reflects my ongoing pmts or is this a 12 advance notice my mon mtg will double? 
Escrow/Insurance was paid XX/XX/2021 XXXX SO WHY DO I HAVE A SHORTAGE of XXXX? Numbers don't add up and monthly payment doent make sense-see attached SERVICER-XXXX failed to provide 1st pmt date and Wells Fargo failed to provide a letter to me of this transferred mortgage event AGAIN When WF intentionally aware loan is being transferred to a F Rating Servicer XXXX XXXX. 

SERVICER FAILED TO NOTIFY ME AT LEAST 30 DAYS in advance to me My payments with WF are automated coming out the XXXXth of every month. When I get paid. 
FAILED TO PROVIDE FIRST DUE DATE and AMOUNT Per letter states : indicates where I can send pmt after XX/XX/2021 *****THIS IS CONSIDER FRAUD I DID NOT receive a letter from Wells Fargo WHEN to stop accepting payment from me-ALSO FRAUD All I recd from WF is a Escrow shortage ... sounds like a set up to immediately become delinquent with a corrected monthly mortg pmt Mortgage renewal XX/XX/2021 current pmt XXXX ****Did not receive a statemnt of the transfer will not affect any terms and conditions of my mortgage from SERVICER and Wells Fargo from OWNER , LENDER, ORGINATOR and SERVICER with all info listed above My payments are set up auto with Wells Fargo and a week is unacceptable and not enough time -- -This is FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX - wrongly posted a late payment on my experian credit report on - XXXX XXXX. 2. XXXX XXXX has admitted their error in writing. 3. i have explained & uploaded the letter to Experian the letter from XXXX & XXXX. 4. but after 30 phone calls, 80 hours of phone & internet time, nothing has changed! 5. I HAVE A LETTER from XXXX XXXX  saying i did nothing wrong, XXXX  was at fault & it requests that Experian remove the late posting 6. i am a XXXX XXXX XXXX XXXX, and XXXX XXXX  and thus situation is making my health worse. 7. its also costing great physical & financial problems. - i NEED HELP! please help me in this matter. sincerely.. XXXX XXXX, XXXX and XXXX XXXX emoji derogatory information immediately. experian theres nothing at all, they seem to only care about the corporations, and not the individual who needs help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2022 I have no knowledge of this account. I asked that it may be removed. 

XXXX XXXX XXXX date : XX/XX/2022 I have no knowledge of this inquiry. I disputed it and asked that it be removed, XXXX XXXX Inquiry date : XX/XX/2022 I have no knowledge of this and asked that it may be removed. 

XXXX XXXX Bank. 
Inquiry date : XX/XX/2022 I disputed it and have no knowledge, I ask that it be remove from my credit report. 

XXXX Credit File : Capital One Bank Inquiry Date : XXXX XX/XX/2022 I have no knowledge of this inquiry and asked that it may be removed from my credit report. 

Capital One Account : XXXX XXXX XXXX Late payments Actions taking : writing goodwill letters that I was strongly impacted by the coronavirus. I lost my job. And was also hospitalized. I offered medical records. 
L
Product: Debt collection

Today XX/XX/18 the debt collection office reached out to my new husband of three weeks. Informed him of the loan, the company who the loan was through, the amount due, the information they have on file for me ( address and phone numbers ). My husband is not on the loan had no information about this loan as this loan is mine from 3 years ago. They threw him under the knife about the loan and gave him payment options for my loan. I have never given the loan collectors his information at all not his name or anything. They found his number on theyre own and gave him all my information.