23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am reaching out to the CFPB for assistance in hope the CFPB will look into any illegal servicing activities SPS has done in regards to my application assistance in trying to save my home. I have been past due on my mortgage for many years now now since XXXX and sine the first time falling past due I have applied for a loan modification on my home with SPS with no luck I have submitted all items required to be reviewed and each tome it takes them months to make a decision or request more documents. Last I submitted most recent on XX/XX/XXXX I sent them all documents for assistance but after a few weeks when I called in for a status update they stated they have denied my application and refused to send me a denial letter. I feel like SPS is not interested in helping me save my home and are more interested in foreclosure. I am XXXX XXXX XXXX and I do not know how many more years I have on this earth I am asking SPS and CFPB to help me save my home once I pass away I will be more than happy to sign any documents ahead of time where the home will go back to SPS. I have grandkids that I take care of and I would love to keep a roof over their heads while I still rome this earth. Please help me save my home, the last time SPS helped was with a huge repayment which I cant afford. Please help me
Product: Mortgage

I have reached out numerous times to address issues with a refinance on my current home. I had closed on my home on XX/XX/2021, and had a payoff for my supposed previous mortgage on XX/XX/2021. I have contact Title 365 via the mortgage broker numerous times without resolution. I will now incur additional interest costs on my loan since they have not paid off my current loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the accounts that are listed on my credit report was not given permission to share my social security number with anyone and the distributed it without my consent. They all have violated 15 USC 1681, 15 USC 1681 Section 602A, 15 USC 1681 Section 2 of 604A. I have sent all information to both Experienced and XXXX and have not gotten the problems corrected. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX Bank all violated according to the XXXX Bank XXXX of 1863, 31 USC 5118, 15 USC 1602g, UCC 3-104, 12 USC 1431 , and 42 USC 408 . All were sent out negotiable instrument from attached statements as well as approved 1099-A payments and all of the companies kept the negotiable instruments as payment but didn't apply it to my account. I sent all companies a copy of my documents with a Conditional Acceptance Letter. I do not owe neither of them because I am not the person of the " all caps '' name. I am the representative of that person and they knowingly sent the information without consulting me. I request the original primossary note, 1099-A, that was filed according 15 USC 1666D , 15 USC 44 , and 12 CFR 1026.17 that is defined in the IRS Publication XXXX. Still have not gotten that and its been since XXXX. Everyone was asked to provide me with proof of claim that the credit agreement was a lawful and enforceable contract signed by both parties giving equal consideration. As well as asking for proof of claim that they had my consent to issue any of my personal trust information to any third party pertaining to valid lawful agreement signed by both parties.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am sending this letter to inform you that I have filed a 1099 due to a recent credit report checking that showed my account being charged off since XX/XX/2022. 
After the finding of the charge off on my credit report, I have since sent a letter to the branch at XXXX XXXX XXXX XXXX and have attached a copy of such letter for your viewing. I have filed with the IRS, the CFPB, and I have also sent this information to the bureaus. 
As I have stated in the attached letter to the XXXX branch, I am requesting that the account be removed from my credit report within ten ( 10 ) business days from the date stated above of this notice.

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

Experian business credit report has information that has not been updated. A lien from the state of Pennsylvania was placed on my report on XX/XX/year> has been satisfied and i need it removed from my report immediately because it is holding up a major settlement for my company.
Product: Credit reporting

In XXXX 2015 I received a call from a blocked phone number that said I needed to call XXXX regarding legal papers they needed to serve. I called that number, they did not identify themselves, did not state was for a debt collection and gave vague information regarding a debt I owed. When I asked further they gave me a non existent account number and customer service phone number for XXXX XXXX. I called XXXX XXXX and they had nothing on file for that account. I called back to the XXXX number to get further info and was told I could pay {$400.00} of the total of {$600.00} to make it all go away. I said no and I needed proof of the debt in writing. They said they would mail it out, never did. I sent a certified demand letter which came back to me today as undeliverable. The company is XXXX XXXX XXXX XXXX who is also now on my credit report, that is the address I used to mail the demand letter. I have not heard anything further from them to date. I do not have an outstanding bill and will not pay anything on an account that does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to open request XXXX, XXXX, XXXX, that is wonderful that you are still working on this, but unfortunately I am still being taken advantage of. While your investigation is still pending my credit report is still saying the negative items that are inaccurate and it is severely hurting my credit. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. In addition to that, the investigation has taken well over 30 days. This should be removed from my credit report until further noted and until these items can be verified properly with physical proof. No proof or original documentation has been sent to me nor has any feedback been sent back to me. I demand these negative items be removed per the law that you are in direct violation of. Please note that you had 30 days to complete this investigation as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of you re-investigation. I am also reporting this miscoduct to all agencies CC 'd on my last response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I wrote to the company informing them that they have listed a collection on my account that is not mine. I asked the company to remove the information on my credit reports and I have not received a response from them. This item on my credit reports is inaccurate and damaging my credit. I understand that when you dispute an item on your credit reports the company needs to comply within 30 days. This company has not complied to my request.
Product: Consumer Loan

For the past 2 day I recieved a phone call at XXXX XXXX and the next day I recieved a call at XXXX XXXX
Product: Student loan

In 2017 I transferred a federal unsubsadized loan from FedLoan Servicing to XXXX. This loan had an original balance of more than 220K. Three years later FedLoan Servicing is saying I owe more than {$1000.00} on the loan because of an error made during disbursement. Mind you I have not heard anything from FedLoan Servicing for 3 years about this loan. The balance of this loan has been XXXX for the past three years. They have been charging me interest at 7.5 %. So what they claim was an original mistake of about {$500.00} is now ballooned to over a {$1000.00}. During these past three years they never gave me tax documents or even an invoice saying I owe this amount. I have perfect credit and have never been late on any loan. I have documents to prove all of this. I tried to resolve the issue with them, but they refuse to correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around the XXXX of XXXX I have been closely looking at my credit report as I was making extra payments to pay off my auto loan with XXXX XXXX XXXX. It was around that time that I was noticed that my credit report was not reflecting the payments that were being made. After contacting the company the advised me to start a dispute and that would get it straight. However, two additional phones were needed weeks later in order to correct the problem. As I move to early XXXX I paid off my debt completely. After weeks of not seeing the report I decided to launce another dispute on XX/XX/XXXX. On a recorded line with Experian I was told that XXXX had not reported payments from XX/XX/XXXX until XX/XX/XXXX. My complaint is XXXX XXXX company has not been reporting my payments as they should. The Fair Credit Reporting Act promotes FAIR CREDIT REPORTING. It is not fair that they have reported all the bad stuff, but not all the good stuff. They are responsible for some damage to my credit report. I would like CFPB to obtain the the exact history of XXXX XXXX XXXX XXXX XXXX XXXX. If it is determined that they are in violation. I will be seeking a legal complaint in the necessary court of law.
Product: Credit reporting or other personal consumer reports

This is my last attempt to get this fraudulent item off my Experian credit report. XXXX and XXXX have already removed it due to fraud but you continue to violation federal law by reporting fraudulent information not associated with me.
Product: Credit reporting or other personal consumer reports

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX XXXX  Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.
Product: Credit reporting or other personal consumer reports

The debt with XXXX XXXX  has been settled and I want this account removed from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that consumer reporting agencies conduct a reasonable investigation into disputes raised by consumers. 

In addition to this, I would like to bring to your attention that I spoke with a representative named XXXX on XX/XX/XXXX, who refused to comply with federal regulations in relation to my case. Specifically, I am referencing the Consumer Credit Reporting Reform Act of 1996, which requires consumer reporting agencies to block any fraudulent information related to identity theft within four days of being notified. XXXX 's refusal to comply with this federal regulation is concerning and further exacerbates the issue. 

Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations.

As a consumer, I am entitled to a thorough investigation and timely resolution of disputes involving inaccuracies on my credit report. I request that the CFPB take swift action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation in a timely and lawful manner.
Product: Debt collection

I terminated a home security contract due to poor or non-existant service. The company XXXX neglected to provide guaranteed reporting to my local fire department or other emergency services when I had an in home fire. I had to put the fire out myself and request fire department confirmation that the fire was indeed out and there were no additional safety concerns at that time. I am now being harassed on a multiple times daily robo-calls from a third party named Virtuoso Sourcing Group in regards to this matter.
Product: Credit card or prepaid card

Wayfair is withholding access to my account. They are refusing to let me login to my account and are not giving me any information about my account. This is illegal. I provided with all of my verification information and have spent hours on the phone and they just transfer me around in circles. They need to give me online access to my account immediately.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S.C. 1611, I request that Equifax : Immediately correct the disputed information. Delete the inaccurate information from my consumer report.

Provide me with a corrected copy of my consumer report. Notify all recipients of my report within the last 2 years of the correction. Fair Credit Reporting Act ( FCRA ) Compliance : I assert my rights under the FCRA, specifically:15 U.S.C. 1611 : Duty to correct inaccurate information.15 U.S.C . 1681i : Procedure for dispute resolution.
Product: Credit card

My XXXX Credit Card serviced by Synchrony Bank ( SB ) is missing a payment made on XX/XX/2024 for {$32.00}. I previously filed CFPB Complaint XXXX. SB requested Proof of Payment ( PoP ). I requested PoP from my bank ( paying bank ) and sent it via SB secured messaging on XX/XX/2024 ( no reply from SB ). SB bank replied to CFPB Complaint XXXX on XX/XX/2024 that they never received the PoP. With the above stated, again is my PoP ( see attached ). I asked my bank why a 21st Century bank only permits paper check payment vs ACH and they stated the receiving bank sets the payment method. Also to note, the payment was made on XX/XX/2024 and the check was cashed on XX/XX/2024 ( 14 days after payment ). A previous payment on XX/XX/2024 took 11 days to clear and a post payment on XX/XX/2024 took 13 days to clear. XXXX mail takes XXXX days across country for arrival. Last to note, SB Secured Messaging does not retain a history of Sent messages.
Product: Credit card or prepaid card

I am a new account holder with the American Express XXXX XXXX. I do not have a preset spending limit. When I applied for this card, I was immediately charged {$690.00} as the annual fee. I am not a frequent traveler so I probably will not reap much in benefits from this card. A couple of days ago, my card was declined during an in person transaction at a retail location, a rather embarrassing moment. I was never contacted by American Express to inform me that my card was on restriction due to a " high balance '' of over {$7500.00}. I have paid more than the minimum amount due in my monthly statement. With that being said, AE representatives informed me upon my call of inquiry to them that my card can not be used until a payment of over {$700.00} is paid. 

At no time did I ever receive a bill from AE for this high amount of over {$700.00}. In fact the billing has only been a minimum payment of approximately {$55.00}. I called today, XX/XX/21 and spoke to a supervisor. I could hardly hear him or understand him due to his accent. I repeatedly asked him multiple times to speak louder and slower so I could understand him. I am very upset that I have this account with such a high annual fee, but they restrict my spending. This was not disclosed to me when I applied for the account. I respectfully ask for your attention to this matter. My attempts to plea with AE officials have not been successful. In fact, they keep repeating themselves with the same answer to all of my concerns.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> XXXX XXXX purchased some items from us. He did a {$10.00} test payment to make sure the payment would go through. He immediately sent the balance due of {$550.00} using the same information. Our account shows the {$10.00} was deposited but the {$550.00} did not get deposited. XXXX XXXX XXXX XXXX says that there was a glitch on the part of Wells Fargo Bank. They have provided the tracing number of XXXX when the money went back to Wells Fargo XXXX Wells Fargo will not cooperate at all. XXXX XXXX says the money is not in his account. We have sent several emails and phoned with no help from Wells Fargo. The paper trail is attached.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX an individual impersonated one of my financial contacts & misrepresented himself and by XX/XX/XXXX, I was suspicious of whom I Was actually communicating with. I contacted the real XXXX XXXX & he stated he had not tried to contact me in the last 2 weeks & I had probably been scammed. 
I contacted the company and no resolution has been attained. 
I hired an attorney &! allowed him to proceed from there. 
I have attached correspondence with XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN AND SOMEONE TRIED TO RUN MY CREDIT NUMEROUS TIMES ACROSS ALL THE MAJOR BUREAUS, I HAD MY CREDIT RUN OVER 30 TIMES FOR ALL DIFFERENT TYPES OF BANKS THAT I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THESE INQUIRIES ARE ALL FRAUDULENT AND HAVE NO PERMISSIBLE PURPOSE. XXXX XXXX, XXXX, AND EXPERIAN have FAILED TO RESPOND TO MY REPEATED ATTEMPTS TO REMOVE A FRAUDULENT ACCOUNT THAT WAS PLACED BY XXXX I have called, mailed, and disputed online and they still have not to removed the account even though XXXX confirmed it was fraudulent. I HAVE MANY ACCOUNTS IN GOOD STANDING AND THIS HAS BEEN AFFECTING ME FOR YEARS. I am now asking the CFPB to enforce the FCRA as they have violated my rights as a consumer and broke multiple laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a difficult time getting XXXX, Transunion, and XXXX to remove an account that they are inaccurately reporting. I have sent many dispute letters to XXXX XXXX of no avail. They are reporting that the account XXXX XXXXXXXX XXXX  XXXX was late 2 times and eventually charged off. This is not true. During 2020, I was on deferment due to covid so there should be no late payments according to the FCRA. I am asking that the credit reporting agencies remove the account from my credit report or update the account to paid as agreed never late, removing all late payments for their negligence. I am aware that I can be compensated up to {$1000.00} per violation, but at this time I am only interested in the deletion of the inaccurate information to reflect my true credit profile as this is causing me extreme distress. I do look forward to a response within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, REPORT ID : XXXX TRANSUNION REPORTED FALSE INFO AS FOLLOWS : 039-SERIOUS DELINQUENCY 014-LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED 005-TOO MANY ACCOUNTS WITH BALANCES 018-NUMBER OF ACCOUNTS WITH DELINQUENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax providing me with a confirmation number of XXXX and claim they were deleting the inquiries but when I called back the next day to check i was told they were factual records and no investigation was done. To whom it may concern, Im writing this letter to dispute the following accounts : ( Fill in with the accounts you want dispute, be sure to add the account numbers with each account ) This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of 15 U.S.C 1692gMy contact information is as follows : Name : Full Address :
Product: Credit reporting or other personal consumer reports

I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances.

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid and closed in XXXX. The credit report updated on XX/XX/2021 to show that the balance of {$170.00} was closed and paid. Today on XX/XX/XXXX I received an alert and a credit score drop due to the account showing that I have a {$170.00} increase on my credit report for Self Lender. There should be no increase as this account was paid off and closed 2.5 months ago. I have attached proof of documentation..
Product: Debt collection

I previously had an account with XXXX and had my service terminated. They sent me a collection bill a few months ago in which I have paid. They are still reporting it on my credit report and has yet to remove it from my report.