23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I just received a loan modification package from Seterus Bank with a proposal trial period payment for XXXX months in the amount of {$3600.00} which is around {$1700.00} over the amount i used to pay before to XXXX XXXX XXXX. My payment was {$1900.00}. How can i afford to pay more then what i could n't pay before in the XXXX place. 
I have spoken to alot of my close friends who were in the same situation as me and around the same loan amount and property size, they have received a very good loan modification of around {$980.00} a month, another friend received a loan modification in the amount of {$970.00} a month. How can this be that they are receiving loan modifications to help them stay and pay for their home while i can not even get a close amount to my old payment of {$1900.00}? 
Please help me as this is getting out of hand and im worried for my family and loosing my home to this banking scam. It seems to me that they are just transferring loans to get away from giving out a loan modification.
Product: Student loan

Prior to XX/XX/XXXX, I was pursued by SOFI who endorsed : " you will save more money if you refinance your loans through Sofi ''. Sofi encouraged me to look into their student loan calculator ( on their website ) and I began to complete research to see if Sofi would be a good refinance option for me. I entered in the information ( current federal loan borrower, interest rate, amount I owed ) and the calculator spit out a number ( that I never screenshotted for evidence, but remember ) was well over {$90000.00}. 

Prior to Sofi I was with XXXX XXXX and my loan amount was {$230000.00}. On XX/XX/XXXX, I signed an agreement for a 15 year loan term. I updated that loan term on XX/XX/XXXX to a 20 year loan term with a 6.299 % interest rate. 

Enclosed in attachments, you will find evidence of how to utilize Sofi 's Calculator in order to see if Refinancing with them is a good option. 

On XX/XX/XXXX, my attorney, XXXX XXXX, sent Sofi a demand letter asking for them to provide proof I would save money through the lifespan of my loan if I refinanced with them. 

Sofi was also asked to credit my account with the difference of what exceeds the account balance.

As you can see, in Sofi 's response, they did not address the questions being asked and provide evidence to the claims and promises stated as they pursued me They have chosen to state " XXXX signed the loan application and approval disclosure '', which I did. They also chose to state Sofi 's calculator is offered for " educational purposes to explore a potential loan application. '' Sofi has endorsed, in their respond letter to XXXX, " calculated payments and savings are only estimates. '' As a potential consumer in their product, this has been misleading because in XXXX when I filled out the calculator, it was calculated that I would be saving well over {$90000.00} otherwise I would have not left XXXX XXXX. 

In the enclosed screenshot, it is stated that I will be in a deficit of over $ XXXX with a 20 year loan. 

I have relied on SoFi to act in my interests in advising me about options to address my financial situation, including helping me when I experienced financial hardship or distress select a suitable alternative repayment plan. That reliance was reasonable in part because both SoFi and the U.S. Department of Education repeatedly encouraged me to rely on their servicer to help them in this way. As described above, in numerous instances, SoFi took unreasonable advantage of my reasonable reliance on SoFi to act in their interests. SoFi did not act in my interest because it steered me to a longer loan lifespan with increased monthly payments rather than adequately advising me about income-driven repayment plans that would have been financially beneficial to me or stay with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number 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, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX   XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX GEORGIA XXXX XXXX, 77084 Year of Birth Select as many as apply XXXX XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$8800.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$8800.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$5600.00} written off. {$5600.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$5600.00} Date XXXX Dispute XXXX BANK XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$1200.00} Date XXXX Dispute XXXX XXXX   XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$82.00} written off. {$81.00} past due as of XX/XX/XXXX. 
Account TypeUtility Balance {$81.00} Date XXXX Dispute XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusNO STATUS. 
Account TypeNA Balance- Date XXXX Dispute XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeAuto Loan Balance- Date XXXX Dispute XXXX XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account XXXX XXXX XXXX {$1900.00} Date Opened05/15/2018 Disputeaccounts, names and address not mine
Product: Credit card

On XX/XX/XXXX my card stopped working. For four days I attempted to reach Marcus GM card and was put on hold for 10s of minutes before being disconnected. Their web site is of no use as it refers you to their customer service number which apparently never gets answered.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I see that still the same accounts was erroneous. The XXXX credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$2900.00}
Product: Credit reporting or other personal consumer reports

I have been monitoring my credit report due to data breaches. I noticed a collection from Pro collect. I did not notice. I have contacted all three credit bureaus. The company agreed and removed the collection from my credit report then they later on added the account back. I have attached proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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: Mortgage

I reached out to XXXX XXXX at XXXX Mortgage Planning in XXXX XXXX, CA inquiring about a mortgage loan. He was referred by a co-worker and has familiarity with my positions pay structure. I had yet to file my XX/XX/XXXX taxes and asked if he could look over my financial information to let me know what was possible for a mortgage. I specifically told him I was not applying yet but as he was referred, wanted to have a discussion about my numbers so I could decide if I wanted to increase/decrease my XXXX deductions. We specifically discussed that my SSN was not needed at this time as I did not want my credit run. I uploaded my financials including XX/XX/XXXX filed tax returns and XX/XX/XXXX draft tax returns into their 'cloud ' for his review. The next morning XXXX called me letting me know that I looked good for 'X ' dollar amount of a loan and had a great score at XXXX. I asked why he knew my score as we had talked the evening before about NOT pulling my credit. He apologized strongly and said the good side was that we would not need to run my credit again. He apologized again saying his staff automatically pulled the information and ran it. I told him as manager of his office he is responsible for managing his staff and that he had assured me we would n't run my credit yet. Of course I had not blacked out my SSN on my taxes, so he secured my information from there. Bottomline : XXXX did NOT secure my permission to pull my credit. In fact he was specifically instructed NOT to pull my credit. I want the record cleaned up from my credit score with all XXXX agencies.
Product: Debt collection

I never applied for credit with these companies, and believe these accounts may be the result of identity theft. I have disputed the information before, and they didn't do a reasonable investigation at all. I have sent the necessary FTC affidavit to the creditors and collectors, and they still have not removed the accounts! HELP ME!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXX with a balance of {$3700.00} and an original creditor of XXXX XXXX XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Product: Mortgage

My name is XXXX and my complaint is against Select Portfolio Servicing , Inc, my servicer in my loan No. XXXX. Select Portfolio Servicing , Inc, started foreclosure proceeding against my homestead property with totally unclean-hands and fraudulent documentation as you can see in the attached documentation. Foreclosure Case No. XXXX placed in XXXX County Florida, has been enter into court with fraudulent note, fraudulent adjustable rate ride and fraudulent correction/Modification of Mortgage never signed but executed them by Plaintiff and enter them as Exhibits in my foreclosure case. I closed my property in XX/XX/XXXX in XXXX and never received copies of my originals documents, I was told that I will get them in the mail. On XX/XX/XXXX I received a total different set of documentation for me to sign, I requested a copy of the first set of documentation to make sure nothing had changed and I never received a response, additionally they told me they would add my wife in the mortgage, since I started this process of purchasing my home from my now actual wife, before marriage, and at the time of closing I was already married. Me and my wife advised the same information to the mortgage broker at the time. So I held on to the documentation and keep the originals never signed. The first sign of fraud to the court was in my foreclosure case in XX/XX/XXXX- Case No. XXXX, were the lender certified to have the original note on my property such note was fraudulent signed, since I have the originals of this note and was never signed or executed by me. That foreclosure case was voluntary dismiss by Plaintiff in that case. Come XX/XX/XXXX I get served with a second foreclosure case after almost 9 years, and Select Portfolio Servicing , Inc again certifying of the same, including the two adjustable rate ride, and a correction/modifications of Mortgage Documents that I never that I never signed. As far as a modification of mortgage, Plaintiff XXXX ( Investor ) does not modified since they never took funds from TARP. 
Second case of Fraud : Lack of standing bringing this case with an assignment of mortgage recorded and executed on XX/XX/XXXX by XXXX as Vice President and nominee for Accredited Home Loans. Accredited had filled BK Chapter XXXX, since XX/XX/XXXX and was administratively dissolved and repudiate all their contracts that including XXXX, so assignment of mortgage is totally ineffective. I had executed letters also to our State Attorney General, Offices of XXXX and to our governor XXXX. ( See attached ). I do want to fine a way to keep my home but homeowner 's had suffer huge losses due to lender and services unethical practices. Thanking you in advance for your help in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Attention : CREDIT AGENCIES I recently received a copy of my credit report, and I noticed some unauthorized Inaccurate accounts on my consumer report that should not be on there at all since I am the beneficial owner of my consumer report! Also their is an INTERNAL BLOCK PLACED ON MY REPORT THAT NEEDS TO BE REMOVED AS WELL.

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : BY YOU REPORTING AS A UNAUTHORIZED THIRD PARTY WITH NO PERMISSIBLE PURPOSE UNDER 15USC 1681b you are committing identity theft UNDER GBLA and PRIVACY ACT of 1970 List of accounts below XXXX XXXX  ; CHARGED OFF ACCOUNT XXXX ; COLLECTION ACCOUNT The reporting of this account ( s ) is in violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : consumer report ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ATTACHED IS A COPY OF MY FTC REPORT, ID, and W2 I expect with in 5 business days these accounts are to be blocked and deleted from my report Best Regards Success All Rights Reserved
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I have filed a police report as well as federal trade commission report. Also my information has been exposed in the data breach between trans XXXX and XXXX. 
I have provided this information multiple times along with social proof of address and ID and they still keep putting fraudulent account back on my credit profile which has been documented that it is due to identity theft I have dispute it multiple times every other 30 days or 31 days and still the same issue Very frustrating to know that my information has been exposed without my knowledge and also that my information is being used fraudulently this has been and on going issues since 2019 and still not resolved also XXXX is reporting my address incorrectly Ive submitted my ID multiple times to let them know the correct spelling of my address and they still have not updated the correct way of my address. I have disputed this over 13 times. My address is not street. It should be drive which makes a difference. Im not receiving correspondence from them like I should because my address is wrong on profile. They still have not fixed the issue and still giving me a hard time by changing street to drive when I provided all documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA XXXX XXXX Credit Reporting XXXX XXXX XXXX to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX IN XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1600.00} ; XXXX CARD XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; BANK OF XXXX, XXXX. XXXX Balance : {$0.00} ; XXXX ( Original Creditor : FLORIDA XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX  XXXX XXXX XXXXReported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX BV XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; SERVICE XXXX XX/XX/XXXX XXXX According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I requested ( via Capital One app ) to transfer funds ( {$350.00} ) from my Capital One checking account to a checking account I have with a Credit Union, which was already setup in my Capital One account for this type of transfers. The funds were taken out from my capital one account that night but they never arrived to my credit union checking account. I contacted Capital One on XX/XX/2023, submitted a claim over the phone, and on XX/XX/2023 they sent me an e-mail stating that the claim was closed because the money was sent as requested. I contacted my credit union on XX/XX/2023, provided them with the information from the Capital One e-mail that I got ( trace number ) and on XX/XX/2023 I received the response from my credit union stating that they didn't see anything coming into my account from Capital One. 
I called Capital One back on XX/XX/2023, asked to speak with a supervisor, and explained that I was still without my money in any of the accounts in question and he said that he was sending an e-mail to their claims department and they will get back to me. It has been 15 business days and I have not received any new notifications from Capital One and I'm still left without my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removal of the erroneous information about my accounts have been diligently neglected by Equifax. Despite sending them the last request, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my reports : TENNESSEE XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$6800.00} - Collection TENNESSEE XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$810.00} - Collection CXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$13000.00} - Chargeoff
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this issue with each credit reporting agency for a number of years. I have never had a student loan nor have I ever taken out a credit card with XXXX XXXX yet every time I see my reports, these two accounts continue to appear. I have uploaded exhibits to assist in helping me remove these accounts from my reports.
Product: Checking or savings account

Capital one did not let customers know that direct deposits have been affected since Wednesday until Thursday XXXX at XXXX XXXX. We still have no time frame. Once, my deposit hits, I will close the account.this is absolutely ridiculous.
Product: Mortgage

Ive been battling Select Portfolio Servicing for the last 12 years regarding my mortgage. XXXX XXXX XXXX messed up my modification in XXXX. After complaining to the executive offices at XXXX, my loan was transferred to SPS. 

Ive had my home listed several times throughout this ordeal. Each time I am being told that they can modify my mortgage, and they never do. 

I am scheduled for a foreclosure sale XX/XX/XXXX. My mortgage company has told me on multiple occasions since XXXX that I can do a short sale or short pay. I now have two offers and they refuse to entertain either offer. I just learned on XXXX  from SPS that I can get someone to assume my mortgage. Why am I being given this option this late in the process. 

I believe that SPS isn't helping in preventing me from losing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual Credit report from TransUnion as I do every XXXX and they responded with a letter that I will have t pay for a credit report.