23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX : moved into new XXXX residence During the mortgage process, we paid a 40 % + down payment to keep the mortgage payments reasonable. 
We work from home. 

My husband is a XXXX  and XXXX XXXX XXXX. 

XXXX struck in early XXXX and lasted most of XXXX. 

XX/XX/XXXX, we had snow for about XXXX week with sporadic power outages. 
During XXXX of these outages, my husband XXXX XXXX XXXX XXXX XXXX 

We were not able to handle any work because of these outages and my husband 's hospitalization. 

XX/XX/XXXX Notice of Foreclosure received, arrears {$4000.00}. 
We asked if we could pay this amount off with our current mortgage payments. 
Documents were requested by our mortgage servicer, SPS ( Select Portfolio Servicing ). 
We were given a fax number to send all requested docs. 
We received a contact name via email. We put this name on all faxes. 

We continued to pay our mortgage monthly. 

We received a call from SPS, asking for more documents faxed. This was not the name we were provided. 
Requested docs were faxed, with a Hardship explanation. 

XX/XX/XXXX a letter rom SPS was received, without any contact name. This letter stated " we withdrew our XX/XX/XXXX request for a loan modification. '' This was and is FALSE. 
We sent SPS a letter, in addition to a phone call ( voice mail message ) that this is FALSE. 
We asked how they came to this conclusion. We did not receive an explanation. 
Since there wasn't any name on these letters, we didn't know who knew our file well. 

XX/XX/XXXX Notice of Default received from SPS. 
Arrears are {$5200.00} with fees. 
No contact name with this notice. 

We called SPS again to ask what about adding an additional amount to each month mortgage payment. 
SPS asked us to fax documents. 
This was done. 

XX/XX/XXXX someone from SPS called to ask if we faxed the requested documents. We let this person know these were faxed. 
It seemed like who called us wasn't aware of our file status. 

We waited. 

XX/XX/XXXX, XXXX A letter from SPS XXXX no contact name, dated XX/XX/XXXX is received stating we have the XXXX XXXX. 

A XXXX SPS letter is received, dated XX/XX/XXXX, without any mention of a XXXX XXXX. 
A XXXX SPS letter received without any info. 

XX/XX/XXXX we had to file a homeowner claim for water damage, We notified SPS. 

XX/XX/XXXX Notice of Foreclosure. Arrears {$5600.00}. 

XX/XX/XXXX, we received a call from SPS to say our mortgage payments would not be accepted because we were in Foreclosure. We were not aware of an Default other than from XXXX XXXX. We continued making mortgage payments. 

In XXXX, we were victims of ID XXXX, with letters received. We alerted our bank. 
We explained this to SPS. 

Our arrears built up of XXXX XXXX because of not accepting mortgage payments. Now an accelerated clause has been filed with the Foreclosure.
Product: Credit reporting

I have disputed the XXXX student loans that XXXX XXXX XXXX claims that they own but it shows multiple owners on the paperwork I received and XXXX just sent the account over to collections law firm before giving me the validation of debt that I asked for back on XXXX/XXXX/16 and XXXX/XXXX/16 and I was told that I would have to settle the debt for XXXX %. I only received the validation of debt when it was sent to a collections law firm. XXXX XXXX has gotten into trouble just sending the loans over to a collection law form without doing a validation of debt per request. The loans need to be removed from my credit report, I have asked all XXXX credit reporting agencies to remove it but they never do. Per the FDPCA if a company fails to send me the validation of debt per request within 30 days, then the items must be removed from my credit report. XXXX never gave me those but sent the accounts to the collections law firm, this is ruining my credit. XXXX states they are the recordkeeper for XXXX XXXX XXXX but no way to talk to anyone at XXXX XXXX XXXX or for them to explain why XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are all on the paperwork. No clear owner of the loans, at first they had XXXX XXXX XXXX doing their dirty work. The credit bureaus must tell me how they could this loans still belong to me. The credit bureaus only seem to parrot what the companies tell them which is unfair and illegal. I have disputed the delinquent being on my credit report for several years now, I never signed any agreements with XXXX XXXX XXXX and they do not won my debt either, they are committing fraud against me.
Product: Checking or savings account

I got a bank statement in the mail from a truist bank. I never made an account with that bank. I looked at the bank statement and it had a name I did not recognize. I went to the bank and they was asking me questions and I couldn't identify any transitions on the account I told them my information and it was all on the account. Then the teller told me i need to talk to a banker so the gentlemen look into it more and seen an email that is another name. He gave me a number to report a fraud on the account so I did. they lady I was talking to gave me directions to call the three credit bureau and see if I can do a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I checked my credit files and these unauthorized inquiries showed up on my XXXX. I did not apply for employment with your organization nor did I request credit from any of these organizations. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting 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 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 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> To Whom This May Concern, I, XXXX XXXX have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information, I will review and respond within the 30-day period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name, then I demand that all credit bureaus and financial institutions be made aware, or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties.

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In XXXX a check was delivered to XXXX in order to close my account. I waited a while before checking my XXXX XXXX because I know it takes time to reflect or update new information. After some time I did check my credit on Experian where I found that XXXX was still on my report. I called the company that sent the check and they responded with a copy of the check that was sent to XXXX also showing that check was cashed. I realized the check was sent under my boyfriends name with my loan number. I called XXXX and asked about check and I also explained the name mistake but they assured me that since the loan number was on the check it would be going towards paying off my loan. I was sure that after everything was explained my loan would be paid off and show as closed in my report. I waited yet again before checking my credit report to find that it was still open. I reached out to Avant a few times more and each time I was assured that my problem would be resolved. It is now XXXX and my report is still showing open. The payments stopped after XXXX and no activity since but it is still on my credit report and I keep calling XXXX and submitting disputes on Experian and have no answers yet. I have some screenshots of the letter they sent to my old email and some emails in my active email snd copy of the check also a screenshot of a refund to me from XXXX after my loan was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau allowed Third party credit investigating bureaus To use my personal information and to file my right to privacy by revealing my financial and personal business for them to use to make a determination on my credit worthiness without my consent which is a violation of my right to privacy and is also identity DEF under the fair credit at consumer law. All consumers have a right to privacy and a right to have their consumer reports reported properly and used properly
Product: Debt collection

I sent a debt validation notice to Resurgent capital Received on XX/XX/2023 and they just sent me statements which is a violation of the FDCPA 15 usc 1692e is false and misleading to a consumer that I have to pay them. Resurgent need to provide copy of debt license to collect in my state Please see attached letter of information that need to provide to me thank you
Product: Checking or savings account

I was traveling to XXXX. My flight landed in XXXX XXXX and I went to the nearest ATM to withdraw pesos ( in the airport ). The ATM successfully went through all steps and ultimately arrived at cash disbursement phase. 
At the time cash should have been disbursed, the ATM made a rattling/clicking noise and showed an error screen. It also printed a receipt showing I received my cash, when I, in fact, did not. 
I took a picture of the receipt, a picture of the ATM 's number, and tried to contact the XXXX bank via email, calls, and their XXXX page. I never received a response. 
My next step was to contact Chase, who conducted an investigation and informed me of " compelling evidence that I received my cash and would not be refunded. '' I feel unprotected and worried to use an ATM again. What if this were a larger transaction? Ultimately, this was only {$100.00} plus the Chase {$5.00} transaction fee and another {$3.00} FX conversion fee. 
Chase 's dispute process is so friction-filled that it's demotivating for myself and consumers, in general, to file disputes. They gave me a last resort of faxing my receipt to Chase. I do not have a fax machine and have been traveling for many months. The receipt also says that I received the funds, which I stated multiple times throughout this process- it would not be useful evidence.
Product: Credit card or prepaid card

In late XXXX I obtained a credit card through Capital One, I activated the card for use and stuck it back in it's envelope because I had no need for it yet. In XXXX of XXXX I went to XXXX XXXX Basic Training, leaving the card behind all but forgetting about it, and sometime in early XXXX I asked my parents to send my important documents to my new station, my credit card was included in these documents. Then in XXXX of XXXX I deployed, again, still haven't touched let alone used the card up until this point. I returned in XXXX and a month or so later I needed a new car so I turned to the credit card to see how much I had balance-wise because at this point I couldn't remember how much it was worth, so I logged into Capital One, and noticed there were two separate transactions ; one for roughly {$100.00} and another of about {$200.00}, both from ATM 's but I couldn't see where, I tried a couple times to get ahold of someone so I could get it sorted out, I even followed the websites instructions to try and report it but I was just taken to website after website to no avail, I recently got in touch with a representative who advised me to report it through the police and said he would send me the documents for the bank statements since I no longer have access to the account, I'm completely locked out of it, but it's been a few weeks now and I've received nothing so I wanted to try to bring this here before I try to call and file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX andXX/XX/XXXX, 60 days late in XX/XX/XXXX, XXXX  is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX andXX/XX/XXXX, 60 days late in XX/XX/XXXX and Equifax is reporting a payment status of current but then reporting late payments of 60 days late for XX/XX/XXXX, and 30 days late for XXXX and XX/XX/XXXX, XXXX : XXXX  is reporting a payment status of Late 30 Days but does not provide the dates the account was 30 days late, XXXX  is reporting a payment status of Unknown and not reporting any late payments, Equifax is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX  : Account Number : XXXX XXXX  is not reporting this account, XXXX  is not reporting this account Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$600.00}, XXXX XXXX : Account Number XXXX XXXX is not reporting this account, XXXX  is not reporting this account and Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$890.00}, XXXX : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, Equifax is not reporting this account, XXXX XXXX  Account Number XXXX XXXX is not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance and Equifax is not reporting this account, Chapter XXXX Bankruptcy Reference # : XXXX XXXX  is reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, XXXX  and Equifax are not reporting this bankruptcy. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I opened a personal loan with Lendmark, later that year I got married and my husband joined the XXXX. In XXXX I requested to enact my XXXX benefits, to reduce my interest rate and reimburse me the interest I had been paying. I applied for this twice and was denied both times. 

The first request was denied because our mailing address was Virginia. I explained to the representative who I had been working with on this matter, that our Home of XXXX was North Carolina. Our driver 's licenses were both NC, our cars were registered in NC at the time and more importantly, the loan originated in NC. 

The request was again denied this time because they said I didn't qualify for XXXX and not giving any further explanation. 

I then submitted a complaint with the company and with the XXXX. 

My complaint number with Lendwark was # XXXX. After numerous attempts to speak with someone of importance at Lendmark about this complaint, I finally spoke to XXXX, the Assitant Vice President on XX/XX/XXXX, XXXX Who told me that they would not enact my XXXX benefits and reimburse me because of the XXXX  Lending Act. 

The NC XXXX extends protections to dependents, which I am being a spouse of an XXXX XXXXXXXX XXXX member. Lendmark reduced my interest but they refuse to refund me the overpayment in interest from the start of XXXX XXXX.
Product: Credit card

XXXX Received text from Bank of America about a charge {$1500.00} from XXXX which I sent a return text XXXX to deny charge. 
XXXX Received statement noticed charge above XXXX w/ XXXX and filed fraudulent claim as well as contact XXXX  Contacted XXXX and stated that the charge was approved so need file dispute w/ XXXX XXXX Received letter dated XXXX fraud claim declined XXXX Called BoA speed w/ XXXX transferred XXXX XXXX. XXXX XXXX package received at our address on XXXX @ XXXX. I was the only one home and checked our XXXX camera and no XXXX deliveries. This was during COVID and XXXX was not requiring signatures. XXXX mentioned there was another reference # and transferred to 3rd person XXXX XXXX and re-opened the claim. Was @ XXXX stage but putting back to XXXX stage investigation review and will take XXXX weeks XXXX Received letter from BoA requesting us to fill out Fraud Statement. Filled and sent as well as faxed XXXX. 
XXXX Called re status and per recording was in process. Called back again spoke w/ XXXX XXXX it looked like there was an additional address information regarding the phone. XXXX was to fax me the information they had as well as mail it to me. He also was going to call me back in 10-15 seconds. XXXX never called me back and never received fax or mailed information. 
XXXXCalled again re fraud claim. Spoke w/ XXXX XXXX AZ and stated have to speak w/ someone in existing claims. 
XXXX Called spoke w/ XXXX XXXX TN and referring to Supervisor. Stated claim is archived and would have to into BoA branch XXXX same date XXXX Branch manger contacted spoke w/ XXXX at BoA stated was a billing merchant issue and is emailing her supervisor and is requesting this to be an escalation request and will contact me in 5-7 days. XXXX was given my cell # and I explained that it will go to my v/m. I asked for a claim # and stated there is no claim # and could not give me her direct call back # for me to contact her. Also explained I never received the investigation information from XXXX. Never heard back from XXXX. 
XXXX Called and spoke w/ XXXX and trasferred to billing dispute department. Spoke w/ XXXX and stated there was not any information noted re my conversation w/ XXXX. XXXX took all of the information AGAIN and stated would take 7-10 days to hear back and resolved in 90 days. 
XXXX Received letter dated XXXX from BoA decline of fraud claim info from XXXX as well as XXXX. XXXX address included not same city as ours, signature from UPS not mine as I was only person home. Spouse contacted XXXX and per XXXX stated it was purchased through XXXX XXXX Checked spouses wallet and stated never had cc info in it. XXXX stated someone can use the wallet app with someone else 's information with out the XXXX ID matching. 
XXXX received letter BoA requesting working on claim. Asked for detailed info which sent all notes XXXX as well as faxed. NEVER HEARD BACK XXXX Per branch manager file complaint w/ CFPB as she is not getting anywhere either.
Product: Money transfer, virtual currency, or money service

Hi Sir, I paid for a product and did not receive it. 
I would like to report a suspected fraud seller called XXXX XXXX. 
I arranged the payment to the following Wellsfargo bank account. I do ask Wellsfargo to stop to receive the payment. I hope the bank can return me the money. I can provide any proof needed such conversation /emails records, receipts, the driving license they offered... etc Wellsfargo Name : XXXX XXXX XXXX XXXX : XXXX Rout num : XXXX XXXX XXXX : XXXX Home Address : XXXX XXXX XXXX XXXX XXXX. Utah XXXX Bank Address : XXXX XXXX XXXX XXXX, XXXX, Utah. XXXX
Product: Credit card or prepaid card

To my knowledge, I was never late on my XXXX credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/2018 which is not true. I have had this credit card since XX/XX/2018 with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Product: Debt collection

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Account passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

I recognize your quick regard for BLOCK or REMOVE these ADDRESSES, NAME, ACCOUNT and reaction inside XXXX work days : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX