23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As can be seen this mortgage company SPS is continually refusing to give me a Loan Modification even though I clearly qualify for one. Here we go again with the pattern of asking for documents already emailed into XXXX over and over.I believe SPS is bothered due to the fact that I emailed every piece of paperwork asked for and that this company has NO intention of giving modifications to myself or any other consumers. The stupidity of this company is astonishing to say the least, and noteworthy for as many other companies to see and not only follow my complaints but, those of others in the same position and that we are not with SPS BY CHOICE! The lies and continued misuse of trust that consumers have place in this company is shattered due to their lies, manipulation and string along in an effort to do nothing but take consumers homes. As CFPB can see the documents that were dated and accepted for an ENTIRE PACKAGE, was all of a sudden missing or needed to be explained again. This is the TATIC used to continually LIE about missing documents when the documents have NEVER been missing. Its disgusting and devious in the way this company operates and especially criminal. The Government needs to see all over 300 pages I have emailed this defunct company as proof to their ability to only take consumers property and not help at all. The SCRIPT and lies they have their employees to READ is a pure joke and an insult. Oh, I will continue to pay my mortgage late after I feed my family and make sure we have lights, water, and medical if needed.As CFPB can see I didnt include entire Bank Statements, so they can see that the information is on the bank page sent and the entire bank statements were emailed to SPS
Product: Credit reporting

This is a gym membership that I cancelled within the time limits and they are reporting that I owe them money and are reporting me negatively. This is from 2006 and it was closed. They are reporting on Transunion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Experian violated Methods of Verification submitted on XX/XX/XXXX through CFPB and by mail from the consumer requesting Method of Verification to the consumer to submit hard evidence of this debt within 15 days to Consumer by mail Fair Credit Reporting Act Section 611 A consumer reporting agency shall provide to a consumer a description and hard evidence from the creditor referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX XXXX XXXXXX/XX/XXXX the dispute was updated even those consumers havent received hard evidence required under FCRA XXXX 

The following documents 1099C need to be submitted to consumers for accurately and verified since this debt has been written off as reporting to the CRA and IRS Account charged off. {$14.00}, 606 written off. {$15000.00} past due as of XX/XX/XXXX. 

Consumer request debt be deleted from Credit Reports immediately since the creditors violation FCRA Section 623 ( 15 U.S.C. 1681s-2 ) - Responsibilities of Furnishers of Information to the Consumer within 15 days. 

Consumer will seek statutory damages against Experian in legal proceedings clearly violation FCRA section 611 15 USC 1681e ( b ) 15 USC 1681i 15 USC 1681s-2B Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX keep opening and closing an account on my XXXX XXXX and my equifax credit report. Ive wrote numerous letters to have it removed. I would like it removed from my credit report asap please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrectXXXX XXXX XXXXXXXX {$15000.00}
Product: Credit reporting or other personal consumer reports

My information was involved in Equifax data breach. Please remove these accounts immediately. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts are being reported with incorrect dates on my credit report. Many inconsistencies in reporting across the XXXX bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This car belonged to my daughter and never had anything to do with it. I didn't know the bank how much her monthly payments, she was late twice and she missed XX/XX/XXXX, XX/XX/XXXX and day before XXXX she was taking her children out & they ran back in and told her they did not see the car. She had groceries in their and of course after learning where car was to get her things food was bad. My problem is I am also on that loan, although I thought my daughter had removed me. I was never contacted by Santander Consumer USA and it was in me trying to refinance my home, I learn all the particulars to this car. From my mortgage banker with XXXX XXXX and XXXX XXXX  I learned the acct # and the phone number for Santander and I also learned that they had reported this on my perfect credit report and caused my score to drop 100 points yet no one contacted me about anything and when I tried to contact them I learned in a weeks time, after holding on the phone for an hour or more and telling the story over and over again on all the transfers that kept being done, and then finally getting so they claim the right dept., then being asked to hold a min. I held on for 15 or more mins. each time for the phone to be disconnected on me! I realized no one was going to talk to me. I am a XXXX widow of a VET who died from war and on a fixed income, and whether I was or not to be treated like this. Put this mess on my credit report but no contact me and I am on the loan or talk to me. Finally got my daughter to try and call after no one would talk to her because they said XXXX she did not have a job. I have learned thru my lawyer they had no right to say that. All they should have been concerned about was getting the 2 months owed and that was her right, if they were reputable which I now know they are not. No one would talk to me but my daughter got thru on XX/XX/XXXX and called me back in 5 mins. She said they said she needed to move fast because car was on the block and they would only except full payment. In between my JAG lawyer on XXXX XXXX, VA and my mortgage banker I finally got someone to talk to me yesterday, XX/XX/XXXX, and as nasty as she was to me, she tells me that the XXXX XXXX XXXX was sold for {$3400.00}. How is that possible when on XX/XX/XXXX my daughter told it was still for sale. I believe that it probably was auctioned on XX/XX/XXXX because my friend tells me that is when car auctions are held on Saturdays and so I now believe reason I could not even get anyone to speak to me. I would like my credit back the way it was and Santander denied me any remedy because they never contacted me of anything. Thank you!
Product: Debt collection

I received a letter from in XXXX of 2019 alleging a balance owed to in the amount of {$910.00}. I subsequently responded by disputing ownership and requesting verification as well as validation of the debt. On XX/XX/2019, I receive a letter dated XX/XX/2019 enclosed with an alleged verification of the debt obtained from the alleged current creditor, XXXX XXXX XXXX. 

The Statement of Account provided, which I have attached for additional reference, provides NO information as to who the current creditor is, has no letterhead or company information, what their contact information is, what agreement I made to pay their offices, what services I allegedly received, when the original notice to pay was provided to me, etc. 

On XX/XX/2019, a collection account owed to XXXX XXXX XXXX XXXX XXXX in the amount of {$910.00} was reported to the credit reporting agencies. 

At no time have I EVER received a bill or statement from any company named XXXX XXXX XXXX XXXX, nor have I received a bill statement or intent to collect any balances owed from XXXX XXXX, XXXX. Further, the response to my demand for verification and validation showed NO proof that XXXX XXXX XXXX XXXX XXXX owns the debt or that they have been assigned the debt by the original creditor. The letter shows NO verification that I owe the debt, nor does it include the valid documentation from original creditor. It is a violation to simply send a printout of the amount owed. 

Please remove the account from my credit reports immediately, provide original proof of notices provided to me from the original creditor, notices that the original creditor intended to send my alleged account to collection, notices from the current owner of the account providing me with the opportunity to dispute the alleged debt and all original contracts between the creditors and myself showing agreement to pay for any services rendered.
Product: Mortgage

I have had a hard time getting back on my feet since covid. The first time my home was in forclosure was in XXXX when the pandemic first started. I was not informed by my mortgage company that I could apply for forbearance or any other payment options to help me catch up on my balance, so I filed XXXX XXXX bankruptcy. My credit took a huge hit, my hours were reduced at my job of 7 years, and things got tough. Once I found out that I could apply for forbearance it was XXXX I believe. My forbearance was over in XXXX of XXXX, and I applied for the Texas Homeowners assistance Fund on XXXX XXXX, however previously I applied and was denied. My second application with XXXX is still open and active and I communicated that with my mortgage company. They have to ability ro look my case number up, and I was informed that when they looked up my case number nothing was showing up. I tried for weeks to get my caseworker on the phone with the XXXX and nothing was done with my application until XXXX on my forclosure date XX/XX/XXXX. My home was sold, and my mortgage company wouldn't nldo their due diligence to see if I really did have an open case with XXXX. I also was unaware that once I was out of forbearance that they opened a second mortgage. Initially was not explained to me that it was a second mortgage on my home and also being refinanced. My home was sold on XX/XX/XXXX in a forclosure auction and I feel as though this should not have happened especially since I had been applying for TExas homeowners assistance for a year and a half. I have nowhere to go, and I will not be able to find a home for my children and myself with a forclosure on my credit. And the company who purchased my home has already left a note on my door. I can answer any questions you may have, and I know that since my home was already sold that there isn't much I can do, bit I feel like the ball was dropped between texas homeowners assistance fund and my mortgage company Gateway.
Product: Consumer Loan

I had applied for a furniture loan from  XXXX   XXXX   XXXX  in  XXXX  Massachusetts. They have a promotion going and I feel its a fraud when it comes to loans. Everyone that applies for a furniture loan gets denied during this promotion. I tried on my own. got denied I tried with a cosigner got denied. I had a sister try by herself who has a  XXXX   credit score a nd makes  XXXX  a year got denied. So basically their only wanting you to pay cash for the furniture during this promotion. I should have the right to opt out of the promotion and just get loan for a   XXXX   couch. I contacted the company and no response for the decision
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted docuents that all my XXXX loans had been repaid prior to a XXXX loan conslidation and that 2 other loans issued by XXXX had been dischagrged in a a XXXX XXXX  bankruptcy and that the loans that should be in repayment are loans with a disbusment date of XXXX or higher with the expection of the XXXX XXXX and the total amount for the XXXX consolidation should be XXXX or only loans assocaited with XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

I have not recived a call or any correspomndeence fro the departpatment of education since my inquiry back in XXXX and subswuent inquiry as outinined in attachements There seems to an issue on wether the XXXXXXXX XXXX  werer Priviate/ Altertative loans the gurantor states that they are Priviate/ Altertative loans. However regaldless the bankruptcy judge listed them on the XXXX dischagre papers and adversary proceeding was not required or necesaary as I was only discharging the XXXXXXXX XXXX  which I contend were provaite/alternive how does the gurantor of said loans try to take one to count in XXXX for non payment of said loans XXXX and Dept of ed have yet to expain why a XXXX XXXX XXXX  that was never funded / canacleed appreas on the XXXX when I never excuted or requested a that loan
Product: Mortgage

Our Mortgage was originated by XXXX Mortgage, they sold our loan to Green Tree Servicing. It has been 6 months and there we have had several issues. They applied our payment to an incorrect account, I have been unable to call and make a payment ( although normally after the XXXX ), I can not get a rep. on the phone to assist. They add the next months payment to the statement on the XXXX of the month and then charge a late fee of XXXX if it is not paid on the XXXX of the following month. This is not a reputable bank. I wish I was given a choice. I am sure many other struggling families are frustrated. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

JC Penny incorrectly reported my balance on my card. They reported that I have a {$410.00} balance but I made a payment that was POSTED on XX/XX/XXXX for that amount and had a XXXX balance. 

XX/XX/2020 PAYMENT - THANK YOU XXXX LocationXXXX XXXX XXXX OH XXXX Posting DateXX/XX/2020
Product: Debt collection

Revvi Credit Card Closed my account on XX/XX/XXXX, I recently received an alert from all three Credit bureaus that I just opened up an account with them on XX/XX/XXXX, this is unacceptable and unprofessional for this company to report incorrect and false information on my credit report, I did not opened any account with this company on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( original creditor ) and XXXX  ( one of their collections offices ) has a history of arbitrarily assigning other people 's debts to me for no apparent reason. I have been a victim of this fraudulent practice on several occasions and my credit score was temporarily negatively impacted as a result. In the past, when a dispute was submitted and an investigation was requested by Transunion regarding the practice, the incorrect information was successfully removed within weeks. My most recent request for Transunion to investigate XXXX 's fraudulent acts, however ; was deemed " completed '' by Transunion with it stating that the information was accurate, which is not possible. It is apparent that Transunion made no actual attempt to verify debt and opted not to research and/or request verification from XXXX I've included a page showing the current account in dispute as well as a letter from Transunion from XX/XX/2017 showing where two other miss-assigned debts, each all from XXXX, were successfully removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Viewed credit file through Equifax in reference to XXXX XXXX account showing charged off in the amount of {$520.00}
Product: Vehicle loan or lease

XX/XX/2020 I refinanced the car. I did not know the new lender did not completely pay off the loan. Four months later, XX/XX/XXXX, original lender Chase called to collect and this is when I found all this out. I immediately paid off the loan for remaining {$130.00}. This is reported as a late payment, it was due to the new lender not paying enough to pay off the loan.
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. 

XXXX : XXXX, XXXX : XXXX, 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 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$8800.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX XXXX XXXX {$820.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX {$950.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX {$2000.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   {$340.00} XX/XX/XXXX FRAUDULENT ACCOUNT ACTIVITY XXXX XXXX   XXXX {$940.00}
Product: Credit card or prepaid card

On XXXX XXXX I had made a purchase with XXXX in the amount of {$35.00}. About 3 seconds after I hit GO, my husband came upstairs and said we have to leave there is a family emergency. I immediately canceled the order. I also called XXXX to verify they had refunded the funds. The representative confirmed that the refund was processed and to please allow 3-5 business days. I was told by CARD.com that any Pending transactions would be refunded after 7 business days, so you would see the funds available on the 8th day. So here we are DAY 8 and still nothing. I called card.com @ ( XXXX ) XXXX to dispute the fact they are still holding my money. They told me it is going to be another 30 DAYS to receive funds back!!! I asked why and they said because XXXX is like a hotel charge and in order to get the funds back I needed to get a LETTER ON COMPANY LETTERHEAD STATING THE FOLLOWING INFORMATION : Card #, Amount, Auth Code, Merchant ID, Date of Auth and Reason for Refund. I called XXXX to ask for such letter and was told I have no idea what this letter is and we have already refunded your money and sent you an email with al that info as well as your receipt log shows the refund! Send all that to them and you will be ok. So I emailed card.com @ verify @ card.com, as well as uploaded the documents to their secure portal. I called them back to have funds put back and was told oh Im sorry that wasnt good enough we want an actual letter on the company letterhead This is just a screen shot of an email and receipt. I went on to explain that it shows that XXXX sent the email. Their company logo is on the email AND the email, as well as receipt log shows that the funds were refunded on their end and this is ALL they will provide me. The woman still tells me its not good enough and my money will be held another 30 days. Now I have NEVER heard of anything like this, when I had XXXX XXXX  XXXX or XXXX XXXX ; NEVER was a charge held for 30 days and even if they say it could be held that long, as soon as I provided even a refund receipt they would IMMEDIATELY issue the funds back to the card. On top of the fact that mine AND my husbands paychecks are DIRECT DEPOSITED into that account every WEEK!!! So even if this charge was charged back I would STILL cover it within a day or two. This company CARD.com is a scam and they hold peoples money for no reason, even when you provide documentation they ask for. I will be changing all of my deposits to another card and cutting this one up. However, I want this issue handled and hope that this complaint allows it so that no one else has to go through something like this. On top of the fact that every representative I spoke with was rude and yelled and basically said they didnt care about my money and there is nothing they could do. It also says the holding bank is The XXXX XXXX, Which I use with another card and NEVER have had a problem like this. So maybe The XXXXXXXX XXXX  should know how their partner companies are treating customers. I find that HORRIBLE BUSINESS! Please CFPB help to stop these criminals from keeping peoples money.
Product: Credit reporting

I requested the removal of Bankruptcy record from my report. The bankruptcy was discharged more than 7 years ago, and by their own words, the record may remain for 7 or up to 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve fraud on my credit reports since XX/XX/2021 with Experian, XXXX, and XXXX. My requests have been automatically verified, even though I have called and filed an identity theft report with the FTC. I also filed a police report with my local police department.
Product: Credit reporting or other personal consumer reports

I noticed various problems with my credit reports and need them to be fixed there is a letter describing all of these issuses
Product: Vehicle loan or lease

Flagship credit acceptance rep XXXX contacted a reference on my account and provided detailed information on amount I was past due and provided information about my account which included a statement I need to turn that vehicle in by XXXX or there going to take legal action. I also have a voicemail that was left on a reference with the same information.