23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I opened a HELOC with XXXX XXXX XXXX XXXX ( I 've banked at the same bank office since XXXX when it was XXXX XXXX XXXX ) in XXXX. Last XXXX XXXX sold their mortgage origination business to an organization, XXXX XXXX XXXX XXXX XXXX XXXX, as part of their attempt to not be a XXXX XXXX and engage in more growth. 
From the first communication from SPServicing, I have had to call them many times, and send a couple of requests to their ombudsman, to correct the errors. One involved the interest rate on the HELOC which was .25 % below the posted XXXX rate. They misread the originating document and started my account with SPServicing at XXXX above prime. One response to me implied that my interest will increase each month! 
In XX/XX/XXXX I started the process of applying for a new Home Equity Loan with another local bank, but stopped when my wife received an estate distribution which more than covered this SPS account. 
On XX/XX/XXXX I called SPServicing to apply for a payoff quote. I followed their online instructions, and waited for the quote to arrive in the mail. It arrived yesterday, XX/XX/XXXX, but had an expiration date of XX/XX/XXXX. It was no longer valid. I spent a lot of time on the phone with them yesterday, and a CSR told me that I should receive an email notifying me of a message in their on line message center with a payoff quote that I could mail to them with my payoff cashier 's check. 
No email or message has appeared in my email inbox or the SPServicing on line message center. My wife spent time on the phone with them again today, and their response was to submit a new request, with the same delay in getting it. Since SPServicing is moving my account to XXXX XXXX XXXX XXXX effective XX/XX/XXXX, that means the payoff quote will probably arrive on XX/XX/XXXX and expired. ON top of which it will be no longer valid with the transfer to XXXX XXXX XXXX XXXX. 
That means we will have to start the whole process over with XXXX XXXX XXXX XXXX. This chain of events is totally unacceptable. 
One thing making this payoff even more critical is that we came home on XX/XX/XXXX and found the cold water and waste line in the bathroom frozen. While trying to heat up the pipes, I had all working until I turned on the cold water to the shower/tub, resulting in a burst pipe and severe damage to the kitchen below. We called our insurance company and our plumbing and XXXX company in the morning. Both responded promptly, sending a plumber and a restoration company, who responded within a half hour and fixed the burst pipe and removed all the wet ceiling, walls and insulation. Fans and commercial dehumidifiers were employed to dry out the walls. Contractors have begun the process of rebuilding and the insurance company has issued us two checks, but the second check was issued to us with SPServicing included in the payee line. This has added more aggravation to our travail. 
I have been convinced that SPServicing is not what they claim on their website, except for the fact that they identify themselves online and in their phone greeting message as a " Debt Collection Agency! ''
Product: Debt collection

Debt collection agency called Financial Services has been contacting my boyfriend about my debt instead of calling my phone number.  They've given him information about me such as the doctor the bill is for and the amount I owe.

I also tried to contact them to resolve the debt by offering to make monthly payments via autodraft from my checking account and they refused the payment, saying it was not enough per month.
Product: Debt collection

This company continues to call my office number at work. They never say anything after you pick up, there is just dead air. With in seconds they then call my personal cell phone number which when you answer there is a recording stating all agents are busy and to hold. You hold, they come on the phone and do not announce who they are and will not tell you why they are calling unless you give them your social security number. 
They have been doing this for weeks now. I spoke with a representative on XX/XX/XXXX and told them they do not need to be calling my work number and to mail out any further communications if they need something instead of calling both my phone numbers 3-6 times a day. She was very rude and stated she will not mail out any notification because I would not give her my social. 

They need to stop harassing me and burning up my phone. They call from several different phone numbers numerous times per day. They spoof numbers in different area codes continuously. Today they have called from a XXXX area code and a XXXX area code alone. Both phone numbers.
Product: Checking or savings account

I have an account with XXXX  XXXX XXXX for my school funds to be distributed to and XXXX XXXX was a car insurance company I had for only 2 months. I removed my account information from XXXX 's website so that they were not able to auto draft money from there, I would have to call and pay over the phone to pay. So I called and paid over the phone on XX/XX/XXXX and was charged {$91.00} along with the surcharge of {$3.00} for paying over the phone. That was the only charge I authorized but later that day I was charged again on XX/XX/XXXX {$93.00}, then 2 days later on XX/XX/XXXX another charge of {$100.00}. I called and asked XXXX XXXX what was going on and they denied any charges. I looked on the website and checked for any supporting documents about the charges and there was none because they were fraudulent. So, submitted a document to cancel my policy and then was returned the money from my bank. Then a month later after this, XXXX submitted a false document, only XXXX document, and said that I still had insurance which was a lie. I have attempted to resubmit this claim and speak with a supervisor at XXXX  XXXX and they are saying that they did an investigation and came to the conclusion that I authorized that transaction!! WHICH I DID NOT AUTHORIZE! And I proved that I did not! I recorded the phone call with the " supervisor '' who stated that I authorized a transaction that I did not. They should not have had my card information at all, I provided an abundance of information that shows that they stole that money and there is no proof of those transactions on XXXX XXXX website. I need to get help handling this with XXXX  XXXX to get my money back that they gave back to XXXX XXXX who fraudulently stole it. XXXX XXXX has no documents at all that show I authorized a charge for that amount.. If someone would zoom call me I can screen share and show all the information I have, it would be easier that way. I have a ton of documents. Also, I am unsure of the lingo on my bank but I am almost 100 % sure that XXXX of the transactions that Aspire ran, both the one over the phone and one other one, that they signed with my signature and that would be impossible because I was not in XXXX XXXX at any point or anywhere to sign for a transaction. I have submitted claims with the California Insurance Commission at this point and am waiting for them to get back to me. I just submitted a claim with the National Insurance Crime Bureau recently as well in order to handle the situation with the Aspire General Insurance company but for XXXX  XXXX XXXX this is the route I need to take obviously to get them to return my money to me.
Product: Credit reporting

In XXXX, I defaulted on a credit card with XXXX XXXX. I was out of work and unable to make payments. The account was sold to XXXX XXXX and I was able to bring the account current. in XXXX and make payments, when I could. In XXXX XXXX, I was advised by a representative at XXXX that if I paid a settled amount, they would do a pay for deletion. They advised me that once payment was recieved, they would clear my credit bureau of the collections as well as contact the original creditor, XXXX XXXX, and have my credit history corrected. I made the payment and was advised that in 30 days, the update and deletion of my negative information would reflect on my credit bureau. As of today, it has not. I have made numerous calls to XXXX and everyone there states they will not be removing the negative information. They " apologized '' for the misinformation from the representative that advised me of this. I have also contacted XXXX XXXX and they have advised they were never advised of this practice that XXXX lied to me about. I have disputed with all XXXX bureaus and XXXX will not removed. I have also sent numerous letters to them and either I get no response or a letter stating that the information will not be updated. I feel as though XXXX lied to me in order for me to pay off a balance in full.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX deducted {$59.00} that is for a membership purchase account. When money deducted from account funds reflected and was ready to spend. However as informed my bank called Current that I had Skip this month membership with XXXX XXXX but funds were still deducted. My bank current provided a provisional credit of {$59.00}. On XXXX XXXX my bank reversed the credit. I asked why they stated they had contacted merchant and determined no error. I have communicated with XXXX XXXX since letting them no my bank took the funds and request funds credit on to my XXXX XXXX account. Merchants states bank requested refund and refund has been successful and refused to give the credit back on my account due to bank Current has yet to send the money they deducted on XXXX XXXX back to merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting a payment as late over 90 days from XXXX, XXXX, and XXXX of 2018 on my credit report. The payment was late due to a problem getting the autopay to work through their website, which was not my fault. I couldn't get the autopay through my bank to work either, though it works for all of other recurring bills. Once an agent from Capital One was finally able to get it set up herself, the payments started drawing. I did not realize that one payment was missed and sat overdue in the confusion. They didn't notify me of this, either. I have attached the receipt from XXXX and the bill reminder from XXXX, neither of which mention an overdue amount. When an agent called me in XXXX and advised me of this, I paid it immediately, but they are unfairly reporting late payments which were not due to my error, but to their own problems getting the payments to go through even though I made every effort to use their system and received messages that my auto-pay setup was complete. 

I have contacted Capital One, and one agent admitted to me that what I'm saying is reflected in the call logs, but that she couldn't do anything about the problem. They escalated the issue to " the President 's Office '' but all they have done is send me multiple copies of my promissory note and payment history. They won't listen to the real issue. This was an error by Capital One and I have a good, clean, on-time payment history other than when they were having this issue. They are unfairly hurting my credit history report. 
I am not disputing that I agreed to pay the money, nor the dates when the payments were received. My problem is that the reason that the payments were late is not my fault as I was trying to use the systems that Capital One provided, but through no fault of mine they wouldn't work. I couldn't get the payments to go through. I want them to do the right thing for a long-time customer and adjust this report since this was not my error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, XXXX  and XXXX  a public record ( Bankruptcy ) that is not accurate and incorrect. I have sent letters multiple time over the pass five years to get this corrected and most recently called XXXX  directly about the issue. I have contacted the courts and they can not find the case number, I spoke with the chief clerk of the court and she stated that they did not report this information to the credit bureaus, in fact she stated that they don't report any cases to the credit bureaus. I have asked both companies to tell me who provided them this information and refused to do so, however, they continued to lie and say they got this information from the courts. They also have accounts list with inaccurate information that are listed multiple times with different statuses. They have collections listed that I have continued to dispute that have missing data which I have never done business with. I have sent disputes to Equifax about reporting inaccurate information just to be told they verified the information as accurate and I no it's not. I understand you ask for dates, however, I'm XXXX veteran who suffers from XXXX XXXX XXXX and my memory is affected, so I just ask you to work with me.
Product: Credit card

I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report. According to the Fair Credit reporting Act ( 15 U.S.C 1681 ) I am requesting that all of the unauthorized inquires listed below be removed.
Product: Consumer Loan

I financed a vehicle in XXXX XXXX with Santander consumer USA. My first payment was XXXX XXXX I was XX/XX/XXXX I payed XXXX of the payment which was XXXX all together. XX/XX/XXXX came I made a payment of XXXX to my account which would cover all of XXXX including the late fee so that would make behind for XXXX XXXX they are now telling me I owe XXXX ca n't explain why and they keep calling me even when I tell them I 'll make a payment on a certain day early as XXXX I understand I 'm late for XX/XX/XXXX which would be XXXX plus the late fee I just do n't get how I owe nearly XXXX .i just want to be treated fair not being a victim to fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} ; XXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received several letters from TRS Recovery Services on XX/XX/2022. These letters accuse me of owing a debt to XXXX XXXX for a total of {$68.00}. I have never made any purchase from XXXX XXXX. 
TRS Recovery Services state they have entered this debt into the nationwide database. This is not my debt and I can not have this false information used against me and my good credit! 
I called the number on the letter which led me to their website. I went to the website and was redirected to the letter. XXXX XXXX. I submitted a dispute to this Debt by mail but the company has more than XXXX XXXX XXXX XXXX I am concerned that TRS will claim they have not received my dispute and will proceed with the assumption that this debt is valid. I don't know what happened here but this debt is not valid.
Product: Credit card

I called my credit card company to request a letter confirming a transaction ( {$6500.00} on XXXX/XXXX/2015 ). I needed this because of a dispute with XXXX regarding a hospital bill I had paid. The representative seemed very confused by my simple request but eventually said that he would " submit a ticket ' for the request. When I had not received anything after 2 weeks, I called once again and asked to speak to a manager. I explained again what I needed and the importance of getting my request completed in a timely manner and was told that the ticket had been sent to the wrong department and that a letter had been sent to me to say that I would have to pay {$5.00} for the research and that the research could n't begin until I had received the letter and called them to confirm that I would pay for the research. I never did receive this letter ( or any other communication regarding my request from them ). 
It has been over a month and they are unable or unwilling to help me with this request. In addition, they were dishonest in informing me that they had sent a letter to me. 
I am now in a situation where despite providing my credit card statement and a hospital statement showing that I made the payment I can not get this resolved until I receive the transaction verification from my credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a rental application to XXXX XXXX at XXXX in XXXX XXXX, IL. Their 3rd party vendor, On-Site ran a background check if my rental history which discovered an eviction/judgment XXXX that was reported in error on XX/XX/XXXX. This information has successfully been removed from my credit bureau reports and XXXX file as I was able to prove the case was voluntarily dismissed by the plaintiff, XXXX XXXX XXXX dba XXXX XXXX XXXX. I still currently reside at this same address until my current lease expires XX/XX/XXXX. I immediately filed a dispute with On-Site on XX/XX/XXXX, Dispute # XXXX, providing a copy of my recent XXXX credit report that they used to show this is inaccurate. On XX/XX/XXXX, On-Site responder that they have finished their investigating but would not be removing the inaccurate finding. This has delayed my search to find new housing as my current lease is voluntarily expiring and I require relocation. On XX/XX/XXXX I submitted a 2nd dispute with On-Site Dispute # XXXX, this time I included a copy of the voluntary case dismissal and agreement from XXXX County Circuit court signed by myself and the former property manager, XXXX XXXX. The very next day XX/XX/XXXX, On-Site responder again, that they will not update their records and have informed XXXX XXXX at XXXX that they will not update their records. This is very unfair as the information is inaccurate and is causing me to not be able to secure fair housing. I do not know why they refuse to make the updates when I have supplied sufficient evidence. Please assist with making this correction. My daytime phone is ( XXXX ) XXXX.
Product: Credit reporting

I was a victim of identity theft. Someone filed a tax return using my social security number. I went through the process of notifying and putting alerts on my credit reports. I then attempted to log into a previously established Experian account and was unable to due to the fact I could not validate an email address associated with my social security number. Not until I became an " paying '' member was I transferred to their fraud department and once there I had to answer multiply questions to validate my identity. Once my identify was established they provided me with the email address which I then told them was bogus. Someone had created an Experian account using my social security number and I 'm assuming they ran a credit report and were able to see all my information. The bogus account was established on XX/XX/XXXX. I attempted to file my tax return on XX/XX/XXXX and was informed by the IRS that a XX/XX/XXXX Tax Return had already been submitted and I 'm assuming paid out using my social security number. I was able to get Experian to put a lock on the bogus account.
Product: Consumer Loan

I am unable to get statements of account from bank, to validate my payments are actually going to my car purchase. Online statements were frequently unavailable " No accounts found '' and paper statements never get mailed. Bank states they 've got everything set correctly, but I still never get anything. Not even sure of exact loan type as the bank has yet to provide me any paperwork other than an account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX  XXXX XXXX - XXXX Creditor : XXXX XXXX  XXXX Account XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : NAVIENT - Account XXXX Creditor : navient - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX XXXX - XXXX Creditor : XXXX - Account XXXX Hello this a complaint for the credit companies mis reporting such as XXXX, XXXX, XXXX these accounts are miss reporting on my credit report and they are reporting the same debt multiple times to the point i cant get any new lines of credit because of them. I also wanted help with getting the Navient loan forgave I am a XXXX veterans please give me a call at
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally demand the deletion of the following accounts from my credit report, as they violate my federally protected consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my Experian credit report dated XX/XX/year>, I identified these accounts as either inaccurate or unverifiable. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( e ) ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report.

Moreover, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation must be **deleted** from the consumer 's file promptly. I am invoking my rights under this section and formally requesting that these accounts be deleted from my credit report immediately. 

Additionally, 15 U.S.C. 1681s-2 prohibits furnishers of information from reporting any data they know or have reasonable cause to believe is inaccurate. These accounts should not continue to appear on my report, as they fail to meet the legal standards for inclusion. 

Please confirm the deletion of these accounts in writing and provide me with an updated copy of my credit report once these deletions have been made. 

Thank you for your prompt attention to this matter. I look forward to your swift confirmation that these issues have been fully resolved. 

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

Equifax Credit Bureau sent me a letter stating that an account on my credit report for {$1000.00} was verified as accurate. I sent them a certified second letter on XXXX XXXX requesting that they show me the method of how it was verified with my signature. The credit bureaus have 15 days to respond back based on ( FCRA ). Equifax signed for the letter as received on XXXX XXXX and today 's date is XX/XX/19 and I still I have no response.