23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 a mortgage payment was made to XXXX XXXX. The payment was deducted from my checking account balance and was forwarded by XXXX XXXX XXXX XXXX electronically to XXXX XXXX. 
Select Portfolio Servicing, Inc. ( aka SPS ) took over the servicing of my mortgage + escrow accounts on XX/XX/2019. 
SPS continued up to the time in XXXX when I re-financed my mortgage with XXXX XXXX aka XXXX XXXX. 
The Payoff Statement reported by SPS includes the " missing '' payment from XXXX, late fees and Interest that includes interest owed on the XXXX " missing '' payment from XXXX to the closing of my account with SPS in XXXX. 
Calls to the Ombudsman Dept of SPS reported to me that my supplied bank statements from XXXX thru SPS takeover in XXXX were in their data base. The computer database at SPS verifies that the XXXX payment is there, it was not late and late fees and interest due should not have been charged by SPS. 
SPS will not research the incorrect information, and will not contact me either by phone, or by mail that the " repair '' that I have requested since their takeover in XXXX has been completed, and that XXXX XXXX has received a new closing statement.
Product: Vehicle loan or lease

Account # XXXX On XX/XX/2022, I entered a verbal agreemnt with Global Lending Services that would extend our loan, cease repossession and our payments would resume on XX/XX/2022. I then signed a written form of the agreement and mailed it to GLS the next day. The aggreement was made directly with their VP of Collections, XXXX XXXX. 

This morning I woke to find that GLS had repossessed the vehicle anyways.
Product: Payday loan

I have continually been called by summit receivables a collection company in regards to a payday loan lender. After many unsuccessful attempts to tell them to quit calling me they continue and while on the phone are very harassing, including will not disclose who they are or who they are with. They called From a local number XXXX. They called at all times of the day
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX refuse to unlock my credit and refuse to accept that I am me. So, I have no way to fix this because they won't accept that I am me!!!!!
Product: Debt collection

For the past ~XXXX years, I have regularly received phone calls from various different debt collection agencies, all of whom are searching for a person I have never met. I assume this person is the previous owner of my phone number. 

I have, on numerous occasions, requested that the agencies do not call me again, and this will work, but then a different agency will just call me instead. Most recently, I received a call from Superlative RM on XX/XX/XXXX, at around XXXX XXXX. 

It is my understanding that the debt collectors are legally not allowed to discuss the debt, including the identity of the loaner, with anyone except the actual debtor, so it has been impossible for me to identify the actual bank or company that is trying to collect the debt without impersonating the woman who previously owned my number ( since the caller will just hang up on me as soon as I admit to being someone else ). 

Because the phone calls are often from different numbers ( aka, a different collection agency ), it is not possible for me to just block the numbers. And because I use my phone for other purposes ( such as interviews ), it is not possible for me to just ignore unknown numbers either.
Product: Credit reporting or other personal consumer reports

XXXX  student loan balance is reflecting as {$120000.00} on XXXX  credit report and my XXXX Bank credit History. It should be {$56.00}. XXXX  loan was transferred from XXXX to XXXX. I have spoken with XXXX and they have my total loan as {$56.00}, XXXX as it should be. I have called Experian several times over the last XXXX XXXX and there has been no change. XXXX XXXX  in the process of purchasing a home and this needs to be corrected ASAP. Thank you. 

XXXX XXXX
Product: Credit reporting

I disputed an entry on credit report from XXXX, XXXX, XXXX. It came back verified. I then request the method of verification Transunion used, and they have failed to respond even though it has been longer than the 15 days required by law in violation of FCRA 611. I filed a CFPB complaint # XXXX ( copy attached ), in which they again ignored the request for method of verification, and merely re-forwarded the information to the furnisher. 

I have attached a copy of the results of the original dispute, dated XXXX/XXXX/16. I have also attached screenshots from credit reports on XXXX/XXXX/16 and today, XXXX/XXXX/16. There is no dispute comment on the tradeline I have disputed, in violation of FCRA 611.
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. 


Account Name : XXXX  XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or list of inquiries 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 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: Mortgage

In XXXX my home was damaged in hurricane Florence. I fought with the insurance company for two and a half years. My roof was unstable and severely damaged. Hurricane Dorian was headed to Florida and I feared my roof would not make it. I then paid out of pocket over {$25000.00} to get a new roof before another hurricane came. By doing this I fell behind on my mortgage. When the pandemic hit in XXXX of XXXX, my income was disturbed due to a closure at the spring training facility at which I am employed. I contacted my mortgage company XX/XX/XXXX and explained that I needed my insurance check to reimburse me and that money would make it possible for me to pay them. Although I mentioned COVID effecting my income, no assistance was offered. I was not given my insurance check and was unable to pay. Again in XXXX, XXXX I contacted my lender and requested they release the insurance check. I again explained that I needed to be reimbursed to reinstate the loan. Again, I explained that COVID had disrupted my income. Again, I was not given the insurance check and was not offered any COVID assistance. I was told that I would have to apply for a modification. I did. The modification review was open from XX/XX/XXXX - XX/XX/XXXX. I was denied and no assistance is available to me. SPS also filed for foreclosure. I was negatively effected by a hurricane and a global pandemic and my lender has withheld information regarding possible assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX XXXX ( under my XXXX XXXX credit card ). That there was an inquiry made on XX/XX/2022. It was made by XXXX XXXX XXXX XXXX XXXX. This was Not made on my behalf. I've already alerted TransUnion, and had them put a freeze on my credit file. They also urged, that I contact your organization to file a complaint. I also made a couple of attempts to contact XXXX 's ( which was uneventful ). 
Please Help.
Product: Credit reporting or other personal consumer reports

To your company I have sent in disputes for these account reporting on my consumer report. The accounts still have inaccuracies in the date of last activity. I have asked to have them deleted for violating the FCRA, BUT THIS DID NOT HAPPEN. ( I am now requesting THE METHOD OF VERIFICATION USED FOR EACH ACCOUNT LISTED IN THIS DISPUTE. ) IF YOU CAN NOT GIVE ME THE METHOD OF VERIFICATION WITHIN THE 15 DAYS ALLOWED, YOU WILL DELETE EACH ACCOUNT LISTED IMMEDIATELY. YOU HAVE 15 DAYS TO DELETE THESE ACCOUNTS OR I WILL BE SEEKING LEGAL REMEDY FOR DAMAGES UNDER THE FCRA. DELETE -- ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$320.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$230.00} Open Date XX/XX/XXXX XXXX XXXX Date {$140.00} Open Date XX/XX/XXXX inquiries XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX
Product: Bank account or service

This has actually happened several times to me at TDBank. The bank lets you make a deposit in cash via the ATM. A lot of the times the ATM at several locations will not take a deposit, or shut down at a certain time of the day, almost strategically in order to obtain an overdraft fee. On Wednesday night after work at XXXX I went to deposit money into my account because I knew a payment would be deducted the next day, low and behold the ATM did not work at XXXX XXXX. I went to an alternate location in the downtown area of my city on XXXX XXXX XXXX and the same thing happened. I went home and looked at my account and went to sleep.It had n't been on overdraft status yet. Upon waking at XXXX I realized I needed to make this deposit so I went to the bank again, and the machine on XXXX XXXX was STILL not letting me make a deposit. I then decided to drive XXXX minutes away to another location on XXXX XXXX XXXX. This time it took my money but only to also reveal that it had indeed placed an overdraft on my account. The system seems as if it is set up to potentially harm consumers and wait for any fees they may collect before they actually let you make a deposit. This has happened in the past and I just thought it might be worth looking into.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/year> XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX replying to your communication regarding a debt youre attempting to collect. You reached out to me via Phone/Email and provided the following account details : XXXX XXXX XXXX I am informing you that I dispute the debt youre claiming I owe.

If you have reason to believe that Im still responsible for this debt, kindly provide the following details to ensure I have all the necessary information : The creditors name and address who is currently requesting payment The original creditors name ( if different from above ) The amount owed The account number Documentation that proves there is a legitimate reason you think I owe the debt, i.e., a copy of the original contract The most recent billing statement the original creditor sent to me An itemized list of any additional interest or fees An itemized list of any payments since the most recent billing statement If youre providing this data to a credit bureau, please report that Im disputing this debt. 

Sincerely, XXXX XXXX
Product: Mortgage

I closed on my home loan with XXXX XXXX on XXXX XXXX, XXXX. My first mortgage payment was due XXXX XXXX, XXXX. In XX/XX/XXXX, I received a letter notifying me my loan had been sold to Dovenmuehle Mortgage. In XX/XX/XXXX, I got a letter from Dovenmuehle stating their records showed my insurance had lapsed. I checked my policy and it clearly showed I had coverage XX/XX/XXXX-XX/XX/XXXX and it was on my closing documents, which most certainly they should have. The letter stated they would buy home owners insurance and I would be responsible to pay for coverage for any period of time I was not covered. I did not respond at that time. I honestly thought it must just be a mistake. 
In XX/XX/XXXX, I got a second letter from Dovenmuehle dated XXXX XXXX saying " Final Notice '' \and I must provide proof of coverage or they will buy insurance and I will be charged for " any period during which the insurance they buy is in effect but I do not have insurance. '' So, I could see, they clearly do n't have their ducks in a row, so I 'd better get this straightened out. I went online XXXX XXXX to the site they listed in the letter ( XXXX ) AND mailed my Evidence of Insurance on XXXX XXXX. 
As they have been shown, my policy has been in place since the closing on XXXX XXXX, XXXX and will remain in effect until XXXX XXXX, XXXX. 
So, today, XX/XX/XXXX, I get a bill from Dovenmuehle for {$380.00} for the months of XXXX for the insurance they provided. And, they say it will come out of my escrow. I do n't think I even have that in escrow, PLUS, how can they ethically charge me for it when I had it all along?? And, I sent my EOI within 6 days of the date on the second notice!!! 

As a side note, I am also very unhappy XXXX XXXX could sell my loan without notifying me or giving me any option to opt out, right after closing to any company they chose to sell it to and I am the one stuck holding the bag with a terrible mortgage company. This is not the only issue I have had with Dovenmuehle. In the few short months they have owned my mortgage, I have run into additional customer service, payment, and administrative issues. I will likely have to refi with another mortgage company just to get away from this terrible company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states XXXX  reporting payment status as collection/charge-off, comments states payment after charge off/ purchased by another lender, Who was this??????. and date of last payment as unknown. XXXX  reporting as payment status as collection/ charge off, comments status purchased by another lender, Who was this?????????. and date of last payment was XX/XX/XXXX. XXXX  reporting payment status as collection/ charge-off, comments status consumer disputes, and date of last payment was XX/XX/XXXX and two-year payment history is reporting current history. Per your reporting different information between credit agencies, which makes this information invalid, which has caused denial of current and future funding, delete this account per violation. 

Per reporting, you claim this account was paid, by who? what payment type? and where is the original copy of the payment? In addition, if was sold to another lender, Who??????. how can and account be paid and sold to another lender at this same time????????? 

Please note, do not submit copies of credit card statements or payment history as proof, which is not valid proof and will not hold up in court. 

Per violation, you are reporting different information between credit agencies, which is hurting my financial situation and causing me pain and suffering. As a result, I will seek legal action for defamation and according to your reporting, it stats the debt is still showing unpaid, but sold to another lender, which has hurt my financial situation., which has caused denial for of current and future funding. In addition, if the account was paid and sold to another lender, then you have no legal right to still collect on this account, delete this account per violation. 

Please note, I have enclosed a screenshot of my current credit report as proof. Please review, as this a current and valid information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; {$120.00} ; XXXX XXXX Balance : {$5200.00} ; XXXX  XXXXBalance : {$6300.00} ; XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$15000.00} ; XXXX XXXX  Date of inquiry:XXXX ; XXXX Date of inquiry:XXXX XXXX XXXX XXXX Date of XXXX ; XXXX  Date of inquiryXXXX ; XXXX XXXX Date of XXXXXXXX ; XXXX XXXX Date of inquiryXXXX ; XXXX Date of XXXX ; XXXX XXXX Date of XXXXXXXX XXXX XXXX XXXX  XXXX Date of XXXXXXXX XXXX XXXX Date of XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/2020 ; XXXX Date of XXXX ; XXXXXXXX XXXX Date of XXXX ; XXXX XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX Date of XXXX ; XXXX XXXX XXXX  Date of XXXX ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$120.00} XXXX XXXX Balance : {$15000.00} ; XXXX  Date of XXXX ; XXXX  Date of XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I HAVE SEVERAL DIFFERNT ACCOUNTS THAT DOES XXXX BELONG TO ME ON MY CREDIT REPORT I HAVE SUMBITTED FTC REPORT AND DISPUTE LETTERS TOO EACH COMPANY AS WELL AS PROOF OF IDENITFACTION AND I NEVER HEARD ANYTHING BACKK ACCORDING TGO THE FCRA THESE UNVERIFED XXXX SHOULD BE REMOVED IF CANT BE VERIFED ALSO I HAVE ATTACHED MY ORIGINAL COMPLAINT WITH THIS AS WELL
Product: Checking or savings account

I disputed multiple transactions through sofi on the XXXX and XXXX of XXXX. Theyve issued provisional credits for the disputes on the XXXX, but not for the disputes on the XXXX which totaled {$670.00}. Theyre the same exact disputes against the same company. It has now been XXXX weeks since my disputes on the XXXX and sofi has refused to provide any information about the progress of the investigation or their provisional credit process. The emails Ive received have just repeatedly stated that theyd notify me XXXX business days after investigation completion. While its not a violation of Regulation XXXX, it is questionable business practice to have such a lack of transparency or urgency when it comes to peoples money.
Product: Credit card

On XX/XX/2023 my Paypal issued debit card was stolen along with the pin number. Several charges that were not authorized by me had shown up after this totaling over {$1000.00}. After following the online dispute process provided by paypal they permanently disabled my account, without replacing my debit card. I am told my funds will be locked by paypal and I can not obtain my funds for 180 days. This is a violation of the law, evident also by the class action lawsuit currently taking place against Paypal for these exact situations. I request my account be unlocked and my disputed unauthorized moneys be returned to me by Paypal immediately, or I will be forced to take legal action for compensation.
Product: Prepaid card

I've tried using it on about six seven different websites or companies purchases and it won't spend anywhere at all can't even edit the cash up can't use it on XXXX can't use it at the store can't use it online wouldn't the XXXX is the problem because the money is there but it just can't be spent for some XXXX  reason I don't know somebody needs to figure this XXXX out
Product: Checking or savings account

I have a chase checking and savings account. Yesterday, I submitted a transfer from my other bank ( XXXX  ) to my chase account. Then I transferred that cash out to my local bank so that I could write a check for my rent. Chase finds this activity suspicious so they locked me out of my account. I call and no one helps me. Hours pass and no one helps. They say I am locked out for at least XXXX business hours for a fraud alert which is XXXX. Its Friday after XXXX so I have no access to my chase mobile app until Monday maybe!???? I can not see my balances for any of my credit cards because they have locked me out and have not gave me a reason yet they say I can still use my credit cards. Chase is just holding my cash hostage. This happens any time I try to withdrawal cash from them. I have spent hours trying to access my account. I cant even lock it if I did have an identity problem because I can not log in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts that are unverified on my credit report. I contacted XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX this the third time I have disputed the above accounts with no response from the collections agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still presenting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$12000.00}