23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We contacted Freedom in XXXX to get our PMI removed from our house. We followed their process and got the value of the payment we were supposed to payoff to get our LTV below the required 79 %. The total value was slightly above XXXX that we paid per XXXX in the PMI department of Freedom. We paid in XXXX. We then were notified that we need to submit additional documentation, which we submitted at the beginning of XXXX. We submitted this documentation and received confirmation on XX/XX/XXXX that freedom was reviewing the documents. We called numerous times with no updates over the last 30 days. Finally, we were told that because FEMA issued disaster relief in our area that we will need to get a BPO which will be an additional cost on top of the cost we are paying for the PMI that has not been removed. We are also being told that we did not meet the LTV which they gave us. The FEMA disaster relief declaration was issued on XX/XX/XXXX, 5 days after Freedom confirmed they received our documentation and payment was already processed. Freedom is using the FEMA declaration incorrectly as we submitted and paid prior to the declaration. This is causing us to spend more money to try to meet their requirements that arent disclosed to us as they blatantly misuse government policies. 


I would like to note we also reported this the XXXX. They responded and stated the FEMA declaration was the reason for the BPO. I asked them to send proof that we issued the PMI removal with full payment after the FEMA declaration. They responded to that, please see attached document. My issue with this response with 2 things.

1. they did not provide proof.

2. The number they gave to contact XXXX, is my wife 's phone number... I am at a loss for words at that part. 

Additionally, an employee at Freedom ( Employee # XXXX ) confirmed with me that the BPO is in their system but she was unaware why it was marked as not having access to the property. I have also attached the proof the agent sent me that the BPO was submitted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is hurting me my credit report negatively when under the FDCPA they must send me a validacin of the debt : Original creditors full mame and address Date your company purcharse said debt Amount you paid for said, debt date of last activity/payment if any This is an official request validation, debt should you be unable yo provide such proof and contine to report negatively against my credit. I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have subscription accounts with both XXXX and Experian Credit Bureaus ( CB ). XXXX CB keep sending me invitations to purchase a subscription from them, but I reason that 2 subscriptions to 2 credit bureaus are enough. Interestingly, all 3 CBs are leaving the status of the following school loan accounts the same, for example : 1. XXXX XXXX XXXX XXXX XXXX, PA XXXX. Educational loan {$47000.00}, Date Opened : XX/XX/XXXX : Account number XXXX. 
2. XXXX XXXX  Account # : XXXX | Education Loan Date opened : XX/XX/XXXX for {$60000.00} 3. XXXX {$83.00}, XXXX. ( was {$26.00}, XXXX ) Date Opened : XX/XX/XXXX. Education Loan Account # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX || ( XXXX ) XXXX 4. XXXX {$100000.00} ( was {$33.00}, XXXX ) Date Opened : XX/XX/XXXX. Education Loan A/c # : XXXX 5. XXXX {$79000.00} ( was {$25000.00} ) Date Opened XX/XX/XXXX. Education Loan A/c # : XXXX 6. XXXX {$16000.00} ( was {$5300.00} ) Date Opened XX/XX/XXXX. Education Loan A/c # : XXXX I was granted a full deferral on all of these loans ( see attachments ). I was sued by these companies, all lawsuits were dismissed since I am still in school. One judge even had me forward a copy of the statutory Federal law on deferment to the lawyers who represented these companies ( See attachments ). The problem is simple, all 3 CBs keep reporting these school loans as Charge-offs or closed accounts. Interestingly, Experian has added the XXXX account to my regular installment accounts and jacked up the total on my installment accounts from {$2200.00} to $ XXXX -- -erroneously reporting that I am making monthly payments to XXXX XXXX XXXX XXXX XXXX shows a similar pattern, that being, failure to show these accounts as being deferred.
Product: Bank account or service

Over ( 7 ) years ago, I was an account holder with Bank of America. During said time I rented a vehicle from XXXX and paid for the car rental weekly. During said time, while traveling out of town to visit friends in South Carolina, a tire came of the resulting in a dangerous situation/accident. During which time, I did contact the rental company and notify them of the incident. My bank account was closed as a result. The XXXX rental alleged that I owed them for the vehicle, when I had insurance. They sued bank of America for the funds and they claimed to never have collected on this rental. To date I am unable to open a bank account with any bank based on incorrect information presented to the bank. I would like my rights to open an account with a lending institutions/bank restored. Including my car rental privileged.
Product: Debt collection

I am being harassed by a collection agency named Conrad Credit. I have disputed this account with the credit bureaus and XXXX and XXXX have deleted the negative reports from my name. This is not my debt and I have no knowledge of it. This company is calling friends and relatives threatening them while inquiring about my whearabouts. Since this has been disputed and resolved by XXXX  and XXXX since they were unable to verify this debt they need to stop harassing my friends and family. They are in violation of my rights in California
Product: Debt collection

When reviewing my XXXX credit report in XX/XX/year>, My score dropped from over XXXX to XXXX because of an unpaid {$850.00} collection to : STEEL RIVER SYSTEMS , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ( XXXX ) XXXX based on an account from : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have never had a XXXXXXXX XXXX Credit card. I haven't taken out any new credit in a couple of years. A couple of years ago, someone tried to collect a charge to XXXX that I never made. The address on the account was in XXXX FL. I live in XXXX FL, over XXXX miles from XXXX. I thought I straightened it out with the credit bureaus. 

I don't know if this new collection is the old XXXX charge or a new identity theft charge. I tried to call Steel River Systems and XXXXXXXX XXXX but they won't return my calls. XXXX will not take the charge off my credit report until I fill a report with this office. 
Thank you for your help.
Product: Checking or savings account

On XX/XX/2021 I opened a business bank account and secured credit card with Bank of the West. They later denied my secured credit card, even though I provided all the necessary documentation and funding. The business bank account remained open, but has been disabled by Bank of the West twice now in as many months due to an inadequate notification system. I requested both times of deactivation that Bank of the West send me a relay text so that I can confirm the validity of any questionable purchase with a simple YES/NO reply, to which they declined to accommodate. As a result, I requested to close my account, to which they claim I can not do online or over the phone. I do not have a car, and can not afford time or money wasted to be forced to go into a branch.
Product: Mortgage

My mortgage was owned by XXXX XXXX in XXXX. The loan was sold and then returned to XXXX. XXXX sold the loan again. This time to an alleged company called XXXX XXXX XXXX XXXX. XXXX never contacted me. I was contacted by a " servicer '' company called Select Portfolio Servicing. From the onset, I was charged late fees and other fees not disclosed at closing. Ive never been late with a payment. Everytime I ask SPS about XXXX, Im told the same statement. XXXX owns the mortgage, SPS is the servicer. I demanded to see a copy of the note, and to have XXXX provide authorization for SPS to communicate about the loan. SPS replied with the same statement, which leads one to believe that XXXX does n't exist. A search found XXXX to be nothing more than a XXXX corporation using a bank address in Delaware. I wrote to XXXX at that address asking for documentation proving they own my mortagage and authorization for SPS to discuss this loan. SPS sends me a letter that they received my letter and will respond. I did n't write to SPS. I get a pamphlet from XXXX XXXX. It describes what a trust is and the servicer makes the decision to foreclose. This all leads to what the heck is happening with my mortgage? You cant get a straight answer out of anyone. SPS raised my mortgage payments to an amount I can not afford. My ARM went down as it has many times, but SPS raised the monthly payments. This is a common complaint made by others whose loan has been sold and is serviced by SPS. I fear Im about to lose my home because SPS continues to say Im in default even though Im never late. Ive disputed the increase in payments and all of the fees they charged which that say is for my benefit. The internet is filled with people who have lost their homes with SPS as the servicer. XXXX does n't look like a viable solution due to complaints made by others who tried only to lose their homes.
Product: Credit reporting or other personal consumer reports

This is in response to the currently closed complaint with the CFPB # XXXX. 
XXXX marked the complaint as duplicate, however this is a separate complaint in response to an installment loan, not a credit card closed. 

I am filing this complaint regarding the inaccuracy of this item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the creditor and reporting agencies, it remains unresolved. 

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite evidence and prior attempts provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM XXXX {$580.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with JEFFERSON CAPITAL SYSTEM. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report.

To date, JEFFERSON CAPITAL SYSTEM has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Product: Credit card

My account was closed when I inquired about increasing my credit line to cover a medical treatment that I was receiving. When I spoke to several managers about the issue they failed to provide me with any remedy for my urgent matter. I wrote a letter to the CEO on XX/XX/2023 and I'm still waiting for a response.
Product: Debt collection

On XX/XX/2022 statement date I received my last bill from XXXX XXXX XXXX XXXX in the amount of {$600.00} due XX/XX/2022 for the remaining of my lease that expires XX/XX/2022 at XXXX. I paid the billed amount of {$600.00} plus processing fee of {$3.00} totalling {$610.00} on XX/XX/2022. I know this was the las bill because my rental/lease fee is {$1400.00} plus trash, water, gas, pest control & service fees. I call the leasing office for them to correct the mistake but they just threaten me and hung up on me. I call again after I was made aware of the fees and XXXX stop answering my calls.
Product: Debt collection

I have many times to get copies and info of contracts that they have the rights to collect the debt as well as copies of the original debts that show I do owe this debt. Ever since 2012 they have never been able to produce or will not produce the info that I am asking for. I have issued XXXX complaint with XXXX XXXX on my credit report and they could not even verify the debt with them so that was even removed from my credit. I have also told them many times this is not a valid debt since we were not supposed to be charged anything for moving out early or anything since it was a rental for the harassment that we were receiving. This was worked out with the previous management company before XXXX took over from XXXX XXXX. I also did disclose this to Rent Recover, they have no interest in investigating the claim. I have gotten very upset many times after being yelled at and being told I would just be dragged to court. They would just talk over me and ignore all requests.
Product: Credit card or prepaid card

I ordered two pairs of shoes from the Steinmart Store located in XXXX XXXX, S.C., a week before XXXX, XX/XX/2019. I ordered them, paid for them, and they were to be delivered to my home. The charges for those two pairs appeared on statement charged on XX/XX/XXXX. One pair cost {$45.00} and the other pair {$64.00}. Only one pair ( XXXX ) was delivered to my home. I called Steinmart and they could not tell me what happened to the delivery. I have contacted them several times and each time I am told that I need to contact the dispute department. The dispute department at Syncrony Bank has not returned any call after I have left several messages. I never received the shoes, and I have requested proof of delivery form what ever delivery carrier they used. They have not provided me with any proof of delivery, but are still charging my credit card account.
Product: Credit reporting

I filed a dispute letter with TransUnion on XX/XX/XXXX regarding 7 unauthorized inquiries into my credit. I received a response from the company on XX/XX/XXXX that an investigation was being conducted. I sent a follow-up letter via certified mail on XX/XX/XXXX after 30 days had lapsed and I still had not received the results of the investigation. It is now XX/XX/XXXX and I still have not received the results of the investigation as to these 7 unauthorized hard pulls on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a company that has recently been placed on my report, the information is inaccurate I have never done business with or XXXX  XXXX  which is listed as the original creditor.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : DEPT OF EDUCATIONXXXX - XXXX - There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX  By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit card

Wells Fargo enrolled my debit card and my credit card with XXXX without my consent. They sent me XXXX emails informing me that my cards were enrolled in XXXX. I am not comfortable with them sending my personal information to a third party company without asking me first. I am familiar with the fact that Wells Fargo has a history of creating fraudulent accounts for customers without notifying them and was worried about them doing that to me.
Product: Debt collection

Stallings financial group a collection company sent me a bill saying the creditor : XXXX XXXX XXXX XXXX XXXX that I owe them XXXX dollars I called them it's from a visit from the emergency room doctor I explain to them every month I pay on my hospital bill I haven't received a separate bill from a doctor saying that I owe the doctor that seen me Stalling financial group want me to send them a payment which I don't now anything about I don't old them this company say they got three debts that I suppose to owe I don't now nothing about I haven't received any bills in the mail or phone calls from XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a Macy 's credit card in XXXX or XXXX of this year, so I could buy my wife a gift. I never received the card in the mail. I got a notice from Macy 's about a past-due amount in XXXX. I called and spoke to a Macy 's rep on their line, and I spent about 30 minutes on the phone on XX/XX/XXXX, to pay the balance due. I paid in full, and they negotiated a slightly lesser amount of interest and penalties. They assured me I was paid in full. This week ( XX/XX/XXXX ), I got a bill from Macy 's for {$50.00}, due on XX/XX/XXXX. This, for the account they assured me was paid in full, on the XX/XX/XXXX phone call to them. I called the Macy 's number at XXXX on XX/XX/XXXX, and got a rep who told me I now owed {$52.00}, with late fees. I explained that I had called them, and had paid my bill in full. She admitted that the previous clerk had neglected to remove one penalty charge, which triggered the bill. The clerk agreed to charge me 'only ' a {$5.00} penalty. I told her my account was supposed to be zeroed out on my XX/XX/XXXX phone call, but she said I still owed {$5.00}. I paid, using my debit card, and I cancelled my Macy 's account on that same call. This is a very shady practice, and Macy 's should be punished.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last five years, I have been going back and forth with Equifax over information that is not mine. On XX/XX/19 I placed a life on my credit report to discover another current address on my file and two accounts that I have previously disputed with Equifax over the last five years and each time they are removed.

I live in XXXX XXXX, XXXX for over two years and now the address that is showing as my current address according to the credit file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. However, I am a XXXX   resident. I contacted them on XX/XX/2019 via phone and I was blocked from conducting an online dispute, and I was told that they have my pdf documents but they can not verify me and I provided ssn, state id and voter 's registration card. I do not understand why everytime I lift the freeze to apply for employment, credit or loans, that I have this information of XXXX Credit Card and XXXX XXXX Credit Card on my account and this information has been verified numerous amounts of times. But they continue to add this information to my credit file. With all of the Security Breaches the Equifax has had over the last 5 years I feel that they should compensate the consumer due to their lack of interest and protection of consumer information when a Security Freeze, Lock is in place. They have allowed someone to change my current residence from one address to another and refuse to fix it. This is time consuming as well as frustrating. Because Looking at my other reports XXXX  and XXXX ... Equifax is the only agency that continues to place fraudulent and wrong information on their reports..Always!
Product: Debt collection

While checking my credit report, I came across accounts that I suspect are fraudulent. Kindly ensure these are removed from my report right away.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/2022 I was scammed into sending a {$200.00} deposit fee for a puppy I never received. An ex coworker referred me to someone they considered a friend. Assuming that my ex coworker knew the person I gave permission for them to share my number. The scammer went by the name of XXXX XXXX on XXXX. She said I needed to give a deposit of {$200.00} in order for her to hold the XXXX week year old XXXX. Once I sent the deposit she then began to ask for more money so that she can leave the vets office with the puppy. I than became skeptical and called. The number was a XXXX number and the women who answered had no idea of who I was. I then text the number again and asked her to refund, she continued to lie and then stopped replying. I called the bank immediately and they took a claim and told me I could not be refunded because it was a scam and Zelle does not offer protection against scams. The email which I sent the zelle to was XXXX XXXX
Product: Debt collection

First Credit Services- Account # XXXX Opened- XX/XX/year> Credit limit - {$190.00} XXXX submitted a dispute letter to XXXX XXXX requesting the removal of this item from my credit report, as I was unaware of any outstanding debt owed to XXXX  XXXX.
Product: Checking or savings account

On XX/XX/2018 my XXXX XXXX premier account ( account # XXXX ) had been hacked, and being illegally transferred out twice ( {$2800.00} & {$6200.00} ). I noticed the same day while I was in XXXX, I called HSBC Premier customer service line ( XXXX ) I was being switched to HSBC fraud department. All my XXXX XXXX accounts ( premier, saving, checking, business and credit accounts ) were suspended. I could not log into my account online anymore. I came back to New York on XX/XX/2018, went to HSBC XXXX branch to learn that my account was being hacked many times since I reported. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, hacker came in and transferred money out freely. 
On XX/XX/2018, I filed a complaint with CFPB because I was in XXXX could not get response from HSBC. The complaint number is : XXXX. I received your letter 2 days ago telling me that this complaint is closed. My money is not recovered completely yet. HSBC efraud team refused my phone calls several times, they asked me to branch, when I went to HSBC several branches and I was told to contact my account manager. My personal account manager left HSBC more than 2 months ago, but on their system my account manager is still he.