23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Specialized Loan Servicing LLC. ( SLS ) They have our mortgage passed from XXXX since XX/XX/XXXX. 

We have terrible experience with them. from payments by check, costumer service ( if we lucky and they pick the phon ) online payments, almost inexistent real person communication available in the hrs they advertise ( today XX/XX/XXXX at XXXX .I was calling XXXX XXXX XXXX XXXX since XXXX XXXX  XXXX XXXX  until now, said they are not available try in 30 minutes ). 

XX/XX/XXXX, our check/payment of XXXX was sent by mail on XX/XX/XXXX .. the check was not cash by the XXXX ( we called before the late fee applied every XXXX of the month ) they said to wait one more week since our account was just transferred to them ( new ) so we wait. 

XXXX XXXX Monday .. we called they said the check must be loss and we should pay online or with XXXX payment by mail.. We made the payment online XX/XX/XXXX printed our confirmation, check online it showed in ur SLS online account, we cancel the check with out bank ( {$35.00} fee ), the very next day XX/XX/XXXX they cashed the check so a new payment of {$1500.00} showed our SLS online account.. ( we called then again to left them know that we canceled the " loss '' check ) when the bank didn't pay them, they took the check payment of the system and also the online payment we made first. we called again to complain. 

The check for XXXX payment was sent XX/XX/XXXX, they processed/ cash it on XX/XX/XXXX and added the payment of XXXX deleted ( online payment ). 


This year XXXX, we have the same situation with our Payment of XXXX. with the deference that we need to pay online before XX/XX/XXXX to avoid the late fee ( it is not more disclosed in the payment slot or their website ), We made the XXXX XX/XX/XXXX payment online and print our confirmation, it was not showed yesterday /Tuesday, we look in the bank before cancel the check, in our bank finally went through the online payment ( president weekend ) but also shows that they cashed our check, collecting {$1500.00} on XX/XX/XXXX online and another {$1500.00} from the check sent on XX/XX/XXXX, the one they said was loss, never delivery to them. I log into the SLS online account and it shows the new payment ( check cash ) yesterday XX/XX/XXXX ... 

they applied to XXXX when the slot and the check are date for XXXX, if they get XXXX payment and get a check for XXXX they should apply to the principal the least. 

It is abusive, if I didn't pay online, I would go it a late fee ( before {$50.00} now I think it is {$75.00} ) or if they didn't cash it I still have to pay the cancelation fee ... now I was a empty checking account, with a terrible situation in my house.
Product: Debt collection

Wrote letter on XXXX2017 to SOUTHWEST CREDIT SYSTEMS LP that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised SOUTHWEST CREDIT SYSTEMS LP to removed incorrect information off my credit report. More importantly, SOUTHWEST CREDIT SYSTEMS LP are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from SOUTHWEST CREDIT SYSTEMS LP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information on my XXXX  and experian report how can the same account show different data last activity on XXXX  is XXXX XXXX times late 30/60/90 1/2/4 Experian last activity XXXX XXXX Late XX/XX/XXXX XXXX Also charge off dates different XXXX And month reviews are different XXXX  72 Experian 73
Product: Vehicle loan or lease

I entered into a Consumer credit transaction with RIGHTWAY Automotive Credit on XXXX XXXX for a total financed amount of {$17000.00} without 1 ). Full disclosure of my right to rescind 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ) ( 2 ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that RIGHTWAY AUTOMOTIVE CREDIT willingly and knowingly took advantage of me and my consumer credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to BANK OF AMERICA because I am having difficulties with buying a house and applying for new credit cards. I paid the charge off and do not owe anything, but the marks in XXXX, XXXX  and XXXX  reports prevents me from achieving the desired results. 
I am kindly requesting BANK OF AMERICA to remove this charge off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Mortgage

DITECH company has failed to pay my property taxes. However the mortgage statement showed that they used my escrow funds to wire the payment on  XXXX . I call ed  XXXX  times and sent them  XXXX  letters. They have given me  XXXX  different and contradictory re asons why the payment has not been posted by  XXXX   XXXX  property taxes. I had to paid the first half payment.      DITECH  also told me that my insurance company had billed them for homeowners insurance. This is a lied and my insurance company faxed them proof an dpayment of my home owner 's insurance.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars and interest every month. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am Im asking you to verify as accurate : Account name : XXXX  Account number : XXXX Account balance : {$56000.00} DATE OPEN:XXXX Account term : XXXX
Product: Debt collection

Not really giving me the option that I need. I had rented from XXXX in XXXX XXXX. I had a lot of issue with Maintenance issue and safety hazard. My husband and I took them to court so we can be released from our lease since we no longer felt safe. with all the proof we took to court the judge granted us to break the lease and move out from the property. Two months later we received a bill from XXXX that we owe {$5500.00}. for breaking the lease, for cleaning the property after we has a walk through with a manager and she said the place was nice and clean. for painting, replacing lights, fixing things that we had issue with the list went on. We went back to court and the judge was not happy with them and told the manager that by law they could not charge us for the remaining about of least term since we were released by court. the Judge allowed the cleaning amount since we did not take pictures to proof anything and granted us again to get {$900.00} of our security deposit back from XXXX group. After calling XXXX main office several times, leaving messages and emails in regards to our deposit no one ever responded. I recently moved to XXXX and I had given XXXX my address so they can submit our deposit and after nine month I received a call and a letter from a collection agency that I need to pay {$5500.00}. I have consulted with an attorney and the collection agency is aware of this situation and I have submitted a copy of our court papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my current credit report and show incomplete or inaccurate information listed. 
The creditor XXXX XXXX XXXX XXXX account number XXXX shows alleged account paid as agreed. This creditor advised that due to payment received successfully the creditor agreed to delete the account. This was a payment received as pay for delete. This is not a dispute buyer request for removal due to pay for delete. Please delete this account as creditor has agreed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXXXXXX 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

PAYPAL payment services is refusing to provide a refund on a disputed charge for {$190.00} for a purchased Medical Device from XXXX which was returned well within the 60 day period, USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX  Medical device was quickly returned at my expense as is caused pain in my XXXX XXXX XXXX spouse 's back rather than relieving it. This business has XXXX  complaints on failure to provide refunds. They had advertised a free 60-day trial and now have removed that, however that is inconsequential given the 60 day Fair Credit Reporting act that applies on returns. I in turn filed a XXXX XXXX dispute as that is how I was charged by PAYPAL.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking, and the information listed below on my credit report is a result of that trafficking : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1300.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request. 

Thank you for your prompt attention to this urgent matter.
Product: Mortgage

On XX/XX/XXXX I submitted an online request to inquire about the steps to have my Private Mortgage Insurance removed prior to the originally scheduled amortization date. I received a letter from the mortgage servicer dated XX/XX/XXXX stating that I needed to have an appraisal performed on my residential property in order for mortgagee requested PMI cancellation to be approved. The letter stated that since my loan originated less than 5yrs ago and was open for at least 2yrs, the appraisal would need to show a value for which my current loan to value amount would equal 75 %. The notice also stated that I would receive notice of cancellation or non-cancellation within 30 days after the appraisal and other evidence requirements were met. I submitted the funds for the appraisal and the servicer requested the appraisal. The appraisal was performed on XX/XX/XXXX. I received a copy of the appraisal on XX/XX/XXXX via UPS but without any documentation from the servicer. After waiting a couple additional days to see if the original request would be approved I contacted the servicer and was told that the cancellation request was not approved. When asked why, I was told the LTV ratio based on the appraisal value did not meet the required 75 % threshold. In the couple days prior to this call, I made a principal only payment which brought my loan to value ratio below the required threshold of the appraisal value. The payment was effective XX/XX/XXXX the same day the determination of non-cancellation was dated but never mailed or received until my phone conversation onXX/XX/XXXX. The agent provided a confirmation of mailing for the notice of non-cancellation, however that package only included a copy of the appraisal and no documentation from the servicer regarding the cancellation status. 
Based on the steps required by the servicer and the resulting value and LTV ratios I asked the representative onXX/XX/XXXX to please reevaluate the decision that was made on the same determination date as the payment was effective since the actual LTV was less than 75 % on that day. She told me the PMI department does not receive or perform any phone calls, but that she would forward my request to them and that they would respond within the required 30 days (XX/XX/XXXX ). She said there was no tracking number, but that they would respond. I then called back 2 weeks later to the only customer service number available and spoke with an agent who provided me a ( surprise ) tracking number and said that I would still be contacted byXX/XX/XXXX. Now that XX/XX/XXXX has come and gone without any response, and seeing that the servicer has made it impossible to speak directly with any representatives in the PMI department or the get a response from a dedicated person that can make a decision, I am reaching out to the CFPB for assistance. The customer service phone line has been busy for at least 2 days that I have attempted to contact about my request.
Product: Credit reporting or other personal consumer reports

I would like for the collections for *Exeter finance ( 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 ) to be take off my account with my credit bureaus according to law FCRA section 605 B its illegal to report information on my credit without my permission. Also Law 15 USC 1692C ( c ) clearly states if a consumer notifies a debt collector the consumer refuses to pay a debt collector must cease all communication. So I am asking if theses collectors can please be removed on my credit reports
Product: Credit card

I purchased a XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( online at Best Buy ) and charged it to my Best Buy Credit Card. The bike was delivered and had a defective tension motor out of the box as well as a software issue where the screen would stop working. I contacted Best Buy and they said they can not assist and that I need to deal with XXXX XXXX  directly. I contacted XXXX XXXX, who then sent me to a 3rd party for assistance with my warranty. This was during the return window. They declined to help as well. I went back to Best Buy and they said they will not assist. I now have a bike I paid {$2100.00} that does not work properly. I continued to reach out to Nordic Track and the 3rd party they contract their warranty to and they continued to stone wall me. I spent a year calling them repeatedly about my defective bike and many hours of phone calls. One service agent suggested that I have my " partner '' fix it for me. I am single. This was offensive. They then stated that I could pay one of their service partners {$250.00} for a service call, then let that service partner order parts, pay for the parts, spend another {$250.00} for another service call, and they will review it later and see if they will reimburse. This seemed like a fraudulent money grab. Please keep in mind this was defective out of the box upon delivery and clearly within the warranty timeframe. After so many calls and receiving no help the bike just sat in my living room unused. This year I paid out of pocket to XXXX XXXX in XXXX, CA to diagnose the bike. The charge was {$100.00}. They said it was a defective tension motor. They ordered the part and returned on XX/XX/XXXX to install it and I paid another {$120.00} plus the cost of the part for that service. The bike was ridden about XXXX times per month since then and the tension motor ( a XXXX XXXX  part directly from the company ) failed again and the flywheel/bearings are also defective ( knocking sound ). This feels like a lemon and I have been sold something that was improperly manufactured and the company just stone walls its customers by sending them to a 3rd party that frankly could care less about honoring the warranty. All told this was sold as a commercial quality bike and it has never actually worked as advertised and the parts I am repairing have been confirmed as a manufacturer 's defect. They need to replace this bike or refund the charge. Best Buy has an obligation to not sell defective merchandise. They are absolutely a big issue in this whole transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ESTA EMPRE SE A NEGADO A ELIMINARME INQUIRES, LO CUAL NO E AUTORIZADO Y AUN SABIENDOLO Y CONTYACTANDOLON POR TELEFONO Y HACIENDO VARIAS DISPUTA A TRAVES DE ESTA PLATAFORMA SE NIEGA A ELIMINARLO SI BERIFICAR ESO INQUIRES, NEGANDOME UN CREDITO JUSTO.

INQUIRES EL CUAL QUIERO SU ELIMINACION EN CUAL NO DI CONSENTIMIENTOS. 
XXXX XXXX XXXX AUTO XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX CO XX/XX/year> XXXX XXXX XXXX CO XX/XX/year> XXXX AUTO XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX CO XX/XX/year> XXXX XXXX XXXX  CO XX/XX/year> XXXX BANK XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Mortgage

XXXX MORTGAGES SERVICES In light of these inaccuracies, I kindly request an immediate investigation and correction of this erroneous entry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to verify the accuracy of any disputed information, and I trust that you will resolve this matter in a timely manner. 

Please provide a written statement confirming that the investigation has been completed and that the disputed mortgage account has been corrected or removed from my report. If you need any further information from me to complete your investigation, do not hesitate to contact me. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding complaint # XXXX filed on XX/XX/2023. Equifax requested documentation so they can reinvestigate. I sent them the requested documents including my FTC report via certified mail. Please see attached. And these items still remain unresolved with no proof. They are in violation. Do I need to request a FOIA request for each company to show proof? I mean how far do I have to go to be protected? I've sent my FTC reports to them and the report alone including my letter asking for the deletion should've sufficed. Under code 15 U.S. code 1681I ( A ) ( 5 ) ( A ) ( I ) this reporting agency has continued to say that they have reinvestigated these inquiries, but I have yet to receive any DOCUMENTATION of my wet signature as proof as requested of them. I have been asking them about this for months even before making this complaint. Still NOTHING. These are unverified accounts and I want them removed IMMEDIATELY. Or I will be forced to hold this creditor liable under code 15 U.S. code 1681N ( A ) ( 1 ) ( A ) because at this point this is unjustified, and they are willfully being noncompliant, and I feel violated. I do not need a " continuous reinvestigation '' I need XXXX 's and any hard inquiries that I've requested get removed from my report. IMMEDIATELY!! Or I will be forced to move forward to obtain my remedy. CFPB, I ask for your assistance in this matter as you are the real bureaus here to protect the consumers and they are not.
Product: Credit card or prepaid card

I opened a dispute back in XX/XX/2021 regarding an airfare with XXXX XXXX. I obtained a temporary credit pending investigation. The airline company fought the dispute and won and so Wells Fargo billed me for the ticket and I had to go through XXXX XXXX refund process. To my surprise, XXXX XXXX is stating that my bank did a reverse charge back so I was already refunded yet Wells Fargo is saying that they did return the money into XXXX XXXX bank account so I should check with them. I have been going back and forth, asking Wells Fargo to help me dealing with the matter by showing proof that the money was indeed return to XXXX XXXX but to no avail. I have asked multiple times for the past 2 months and keep getting false promises that they will E-mail me the letter but they never do. XXXX XXXX is denying it and Wells Fargo is not convincing so who is not being truthful? I want my money back!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



15 U.S.C 161 section 602 A. States I have the rights 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review a current copy of my credit report and I show inaccurate information listed on my credit report. I sent dispute to request verification of account and have not received and dispute updates per FCRA. this creditor XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) is showing as a charge off on my credit report and reporting a balance due in the amount of {$480.00}. Per the FRCA and FDCPA no charged off account can list an amount in balance on any credit report. It must show a balance of {$0.00}. below is the creditor information. 

Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX Balance showing : {$480.00} which is inaccurate credit reporting information.
Product: Checking or savings account

I can't open account. I used to have account. Money was token I never got money back and they closed account years ago