23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have a credit on our escrow account in the amount of {$3000.00}. Our lender, XXXX XXXX Mortgage, claims to have mailed this to us but refuses to provide any proof and refuses to let me speak with a supervisor. I have spoken with them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They claim to have mailed 2 checks : {$990.00} on XX/XX/XXXX. Not received as of XX/XX/XXXX. 
{$2000.00} ( check # XXXX ) in XX/XX/XXXX. Not received. They claim it was cashed but refuse to provide any proof. I have no record of the deposit.
Product: Credit card or prepaid card

On XX/XX/2022 in the late evening I tried to get groceries at the store and my card was declined. I called and they said my card was locked I needed to unlock it and they told me that they were not able to unlock my card or give me a reason why it was locked. And proceeded to tell me that I was not able to have access to any of my money. I called back XX/XX/2022 early morning and the customer service rep told me that I was not able to speak with anybody that would be able to tell me why my card was locked while I was not able to access my account then I would have to email and wait for a reply. And until further notice I was not allowed to have access to any of my money. I have auto pay set up for a credit card to increase my credit score and it is being declined I have no money to take care of my daughter and at this point I've been receiving emails from credit karma saying that they are not able to tell me why I can't have access to my money or why my account is locked. This is highly illegal and I'm very interested in searching for an attorney
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the Bureaus over the phone and in writing since XX/XX/2017 to remove inaccurate information from my credit file as it is hurting my credit and I am unable to secure a job in the banking industry due to the inaccurate information being reported. I keep getting the run around and no where with the bureaus. They keep updating information that is not mine or does not pertain to me even after I have sent them documentation showing who I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a XXXX XXXXXXXX bill from my college days. It was the responsibility of my roommate and I don't know how or why my information is on it for them to say I owed money. I called the company about it and the rep I spoke with said it would be removed if I paid it in full. They lied!!!! Its still on my credit.
Product: Mortgage

SPServicing tried to hold up my refinance by providing only a one day payoff notice and no per diem. SPS through their agent, XXXX XXXX XXXX tried to block me from going to settlement. they continued to play games and make excuses regarding a proper payoff statement. This was in violation of XXXX. 

I made over five requests for a payoff statement. XXXX and SPS took longer than seven days to respond to my requests. Then, SPS 's payoff statement was good only for one day. It is impossible to go to settlement with a one day payoff statement. 

This is a violation of RESPA. 

SPS was trying to drag my refinance out until the moratorium expired. Then, SPS hoped that they would be able to foreclose on my home. All of SPS 's delaying actions were in violation of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 15 USC 1681 ( a ) ( 1 ), The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. Over the last 4 months, I have sent Transunion countless letters requesting that Transunion delete the accounts, XXXX XXXX XXXX XXXX XXXX. XXXX investigated both accounts and removed them on XX/XX/2022. Transunion is required to follow reasonable procedures to assure maximum possible accuracy which Transunion has failed to do. I have provided Transunion with an abundance of evidence of the inaccuracies furnished on my consumer report which Transunion has failed to correct. Transunion has failed to exercise its grave responsibilities with fairness, impartiality, and respect for my consumer 's right to privacy in accordance with 15 USC 1681 ( a ) ( 4 ). Im demanding Transunion delete accounts XXXX XXXX XXXX XXXX XXXX from my consumer report. I have attached the document from the CFPB of the deletions of these accounts from XXXX. This IS NOT an investigation request. I am Demanding these accounts be deleted. SEE ATTACHED DOCUMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2019 Experian received a certified mail ( XXXX ) from me with a letter requesting an investigation for few violations in my credit report ... 
In XX/XX/2019 EXPERIAN reply to me with the same violations and as proof I am attaching and indicating violations in their owm report with pictures ... 
_____________________________ XXXX XXXX XXXXwith a monthly payment in a charge-off collection.. Violation # 1..

_____________________________ XXXX with past due balance in a collection account.. Violation # 2 ...

______________________________ XXXX XXXX XXXX. With Past due Balancr in a collection account ... Violation # 3 ... 
______________________________ XXXX XXXX with a Past Due balance in a collection account ... Violation # 4.. 
______________________________ In this complaint I am attaching your own report with the violations in a circle and as you can see the report show " before '' and " after '' investigation where EXPERIAN keep reporting violations of the federal law and must be remove this accounts from my report inmediatly ...
Product: Student loan

I have applied and began the process of Public Service Loan Forgiveness ( PSLF ). XXXX XXXX   is my payment servicing provider. I have made 18 payments according to my Income Driven Repayment ( IDR ) plan. However, XXXX 's records show that I only have 1 payment towards my 120 payments that are required for loan forgiveness. XXXX says that I was in some form of either forbearance or deferment and failed to count payments that I had been making since XX/XX/2016. Their reason for placing me in deferment was due to " we changed a deferment or forbearance that was previously applied to your loans because we received updated enrollment information. '' They placed me into deferment because I enrolled into University of XXXX XXXX XXXX night program. They did not gain my explicit permission to place me into deferment/forbearance. Their actions cost me numerous months off of my journey to loan forgiveness.
Product: Checking or savings account

Citi blocked access to my checking account on XX/XX/year>. I called to figure out and was transferred to about XXXX different personnel with the same information, asking for same verification questions which I provided each time. Told me I would get a call back by XX/XX/year> - call never came. I called again multiple times, speaking to multiple people with the same questions and answers again. Final response from Citi was that " we will send a physical letter to your address with a reference code that you can call and verify '' - it has been XXXX weeks and I still have not gotten this mail. Since then I've spoke to XXXX different service representatives through constant transfers who say the same thing over and over. I've missed all of my personal payments since because I can not access my own funds in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22  times. I filed two  police reports. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX gave me two  letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX  XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Investigation and Removal of Incorrect Repossession from XXXX Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute the repossession listed on my credit report by XXXX XXXX XXXX XXXX, which is being improperly reported by the XXXX major credit bureaus. Despite my efforts to correct this inaccurate reporting, the credit bureaus have refused to remove the erroneous information, negatively affecting my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of credit information, such as XXXX XXXX XXXX XXXX XXXX XXXX required to provide only accurate and verifiable information to credit reporting agencies. If an item is inaccurate, unverifiable, or outdated, it must be removed or corrected. Additionally, under 15 U.S.C. 1681i, credit reporting agencies must conduct a proper investigation when a consumer disputes inaccurate information. Their continued failure to remove or correct this information violates my rights under federal law. 
Furthermore, under IRS Code 26 U.S.C. 6050P, if a lender cancels or forgives a debt of {$600.00} or more, they are required to issue a 1099-C Cancellation of Debt form to the borrower and report it to the IRS. Since the vehicle was sold at auction, and if any deficiency balance was forgiven, XXXX XXXX XXXX XXXX was legally required to issue a 1099-C for tax purposes, which would indicate that the debt has been discharged. If such a form was issued, the debt should not continue to be reported as active or outstanding on my credit report. 
Since the repossession has been reported inaccurately and the necessary legal steps were not followed, I am requesting that the CFPB investigate this matter and ensure compliance with federal laws. I ask that this repossession be removed from my credit report to reflect the accurate status of my financial obligations. 
Please inform me of the next steps in resolving this issue. I appreciate your prompt attention to ensuring that my credit report is fair and accurate. 
Sincerely,
Product: Credit card

I opened an account at the XXXX store to save money on my account. It was through Synchrony Bank and was an automatic withdrawal every month. On XXXX I closed the account and asked what the balance was and paid two amounts on that day. Confirmation numbers are XXXX and XXXX. I destroyed the card at that time. A month or two later, I started receiving notices about a late payment on my account. I tried to find out what was going on with the account and told them I had closed the account in XXXX. They could not tell me what the amount owed is and I wondered if it was the automatic withdrawal with Verizon. I told them I had started paying it through my debit card. On XXXX, a letter was sent to me about my inquiry. It was not responsive to what the issue was. They wanted information about incorrect sale amount or merchandise returned. On XXXX, I opened a dispute about the issue. In XXXX or XXXX,, my credit monitoring service let me know my XXXX score dropped XXXX points in one day, I thought because of this problem. I had another account through Synchrony that I had had for several years, Care Credit. I had never had a late payment in all the years I had it. I found out they decreased my credit limit from {$6000.00} to {$160.00}. I think my balance at that time was {$150.00}. I talked to someone about this on XXXX. They said they had sent me a letter about this and I told them I never got it. I asked her what the letter said, and she named off every imaginable reason that credit would be lowered or denied, including no property ownership, which is not true. I asked for a copy of that letter and I never received it. I tried to use the card once and it was declined. I have continued to be harassed by daily phone calls and letters and emails regarding my account that is past due. I was told on the phone once that charges must have come in after the account was closed. I never got information about what charges. Then, earlier this week, I got another notice from the credit monitoring service that my XXXX score had decreased because of a late payment from Synchrony. I havent had an account for a year and a half!!! Can you please help me? I am nearly XXXX now, live in an RV on minimal social security with my developmentally XXXX XXXX. I just cant deal with this and dont deserve this treatment.
Product: Mortgage

On XX/XX/2021, I realized that my escrow and mortgage had increased by XXXX XXXX dollars from the previous amount. I did not know that this was not normal until that same amount increased a full XXXX more in XXXX. At that moment, I did some investigating. I found out that the mortgage and title company failed to submit a tax certificate request as the property I purchased was going through renovation. This has caused me to overpay XXXX in city taxes. The city of DC acknowledged the mistake and provided me with an updated statement showing a credit in my account. First Mortgage has still not made the approximate updates to retrieve my payment of the city taxes.
Product: Checking or savings account

Talked with Bank of America about the monthly fee charged on XX/XX/XXXX in XXXX XXXX. 

I had talked with Bank of America in XXXX XXXX about the fee and the fee was waived. The agent told me that I need to have more than {$10000.00} in my account to avoid the fee in the next billing cycle so I deposit the money in XXXX to keep the fund in my account to {$20000.00} but still get charged. The talk in XXXX XXXX, the representative refused to waive the fee and tell me the fee will be avoid in next billing cycle, which looks like a scam to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX  XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX {$720.00} / DISPUTED XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX $ XXXX DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX DISPUTED XXXX XXXX XX/XX/XXXX, XXXX $ XXXX DISPUTED XXXX  XXXX/ XXXX XXXX $ XXXX DISPUTED XXXX  XXXX XXXX XXXX PAID has violated my rights. 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 an account without my written instructions.
Product: Mortgage

First, I am a XXXX XXXX XXXX XXXX Veteran on a fixed income of {$3300.00} per month, with a VA Loan and payment of $ XXXX monthly. I have been trying to get assistance for over a year since I lost an income amount of {$940.00} per month that I had been receiving. This is what caused me to fall behind. Please see hardship Letter and letter from Housing Counselor at XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. I went to XXXX, on XX/XX/XXXX at which time I was XXXX payments past due on my mortgage. The Housing Counselor submitted for a modification on XX/XX/XXXX when documents were reviewed I was declined for insufficient income. It was at this time I contacted my VA Rep-XXXX XXXX. XXXX discovered that they had doubled my car payments ( two cars ) which caused me to be disqualified. Once this happened, and the VA informed Freedom Mortgage, I was asked to submit again, which I did on XXXX, and again I was declined on XX/XX/XXXX for not enough income. Since our house was scheduled to foreclose originally on XX/XX/XXXX it was postponed. My wife, XXXX started working onXX/XX/XXXX for the additional monthly income of {$2100.00} which should qualify us for the modification. We do not want to lose our home. In addition I would like to tell you that XX/XX/XXXX has made many mistakes in my case review -- example ; Asking for wife to sign all documents, and actually had already been sent in to them, they requested a letter as to how much my wife was going to contribute of her pay to the housing expense, also sent in on a notarized Non-Borrower Form also had been overlooked. It make me feel like they do not want to help me and are discriminating me because I am a XXXX veteran. PLEASE HELP I NEED THIS MODIFICATION, I have XXXX kids and this would traumatize them.
Product: Debt collection

I have tried to obtain verification of this debt fromXX/XX/XXXXAccount Number XXXX regarding an alleged debt from an original creditor XXXX XX/XX/XXXXI am requesting complete validation of the original debt in its entirety to include : Ownership of debt Identifying documents Original contract Date of original account opening Date of original account delinquency Original account payment history I have not received any such information. 

I was never notified of the debt prior to it being reported to my credit report.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B mandates the removal of any incorrect accounts from my credit report. Can you please verify the documents? There are some accounts with incorrect reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

Since this is my second request, I will also beI provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau XXXX BBB ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Reason for dispute : As a victim of identity theft, this account is not mine. I never received any communication or welcome letter from this creditor. I am entitled to verification proof of this account, which I have not received.

This account is fraudulent and not associated with me. I have filed a police report regarding identity theft and request immediate investigation and removal of this item from my credit report.

I am aware that you are required by law to notify me of the results of your investigation within 15 days and provide me with an updated copy of my credit report
Product: Mortgage

I was notified via certified mail on XX/XX/XXXX of Selenes intent to foreclose on my house on XX/XX/XXXX. I was told on XX/XX/XXXX that my modification that had been pending approval for over 6 weeks was rejected due to insufficient documentation. The issue with documentation according to Selene modification team via a phone call on XX/XX/XXXX was that the Profit and Loss statement I provided only went to 23 days for the month of XXXX. I corrected the modification person on the phone that on the P & L spreadsheet the 23 represented the year XXXX, just like it was shown in the XXXX thru XXXX columns, standard format for a P & L. I was then told on the same call that it was not rejected due to the 23 days for the month of XXXX, but instead the P & L was not dated and signed. While on the phone with Modification representative, I verified P & L that was sent to Selene on XX/XX/XXXX, signed, and dated, and sent again on XX/XX/XXXX signed and dated. I even printed out the P & L while on the phone it was signed and dated. I was then told often the Selene systems do not recognize digital signatures on PDF. So, after waiting XXXX to seven weeks for modification approval, I am faced with foreclosure again due to a document issue that clearly is of no fault of mine. I find it curious that the issue with the XXXX & XXXX changed on the call with the modification representative from only 23 days for XXXX to document unsigned. I also dont understand how a company can sometimes not see a digital signature on a PDF. 
I, as requested again re-submitted my modification package with updated data, 48 hours after being told my modification was rejected. I have been working on a modification since XX/XX/XXXX. The one modification that Selene designed in XXXX was unworkable as noted in several discussions/correspondence with Selene. I submitted several workable suggestions to Selene with each of my modification requests. With HAF and other programs my mortgage could have been close to reconciled by now. Instead, Selene takes the most undesirable route which leads me to believe their interest in getting a resolution is not genuine. As stated, this modification fiasco has been going on for 8 months or more, the whole time Im falling further behind on payments, penalties, and legal charges, which Selene shows no interest in forgiving or reducing the penalties or legal charges. 
I once again find myself hoping for a positive resolution to this third modification request. I am including with this email much of the correspondence I have had with Selene related to modifications, as its always just like starting over each time, no one person seems to be assigned to my modification or loan. 
I am also providing a copy of this letter and additional information to the Consumer Financial Protection Bureau, as well as my congressmans Advocates office. I hope Selene will take this modification request urgently. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Phone was hacked, XXXX hard inquires on credit reports XXXX XXXX issued card and has since canceled, others have not issued, but credit reporting agencies said need to file identity theft report with FTC and send them copy with DL, I have put freeze on reporting agencies not to issue anything
Product: Mortgage

SLS has discriminated against me as a senior by stating untruths about my documents that many seniors would not be able to figure out time and lose their homes or property. 

An application for modification was submitted XX/XX/XXXX and XX/XX/XXXX, the account XXXX was mischaracterizing documens and falsely marking with no status, no signature, and or that they had not been received. On the last complaint that was submitted in XXXX, I inaccurately referenced reinstatement instead of the modification application that had been submitted. I was using the terms interchangeably not know they were XXXX different products. While i was trying to get the mishaps of the application addressed, I said reinstatement. Then, SLS did send a reinstatement quote which was disappointing because I was complaining about discriminatory behavior and practises. 

For example, The account manger continually marked tax documents with no filing status, even though they were prepared by leading tax software that do not make those type of mistakes. And to boot, they were not rejected by the fed or state. 

I use a fax/email software to prove and document what I submit. Unfortunately, this isnt the XXXX time my family has had to deal with a matter like this. My daughter had a similar problem with XXXX though not as obvious as what happened at SLS.