23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I am disputing some items that need to be deleted. I have listed the account, the opening date, and the account numbers, when possible, below. The reasons why these items should be deleted are indicated below : Pursuant the Fair Credit Reporting Act, these disputed items must be reinvestigated or deleted from my credit record within 30 days. Throughout the investigation period, these items must be removed from my credit report as the reporting of items prior to debt validation constitutes collection activity. 
In your investigation results, please render the names, addresses, and telephone numbers of individuals you contacted during your investigation. 


Under the U.S. Code 15 1666b- Grace Periods ( b ) If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Under U.S. Code 15 1635 b- Return of money or property following rescission ( b ) When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. 

Experian reported to the credit bureaus XXXXte/non payment , which is a violation of the U.S. code . 
I, XXXX XXXX did not give my written consent for these accusations to be reported on my consumer report. No consent is identity fraud and its also unauthorized use. Late payments are showing up on the EXPERIAN CREDIT REPORT. Im commanding it to be removed asap. 
Experian applied debt to payment, which is also a violation. Attached to this dispute letter is a copy of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was discharged form a Chapter XXXX Bankruptcy on XX/XX/2018 ( Case # XXXX ). I have been receiving notices from a Collection Agency ( Real Time Solutions ) since the discharge requesting {$67000.00} in payment for delinquent mortgage payments to XXXX ( XXXX XXXX XXXX XXXX ). Although we were in a Chapter XXXX Bankruptcy we continued making mortgage payments to " XXXX XXXX XXXX '' not XXXX. I have been told that XXXX  has placed a lien on my house which has adversely affected my credit. I want to resolve this conflict of information.
Product: Debt collection

I attempted to call and resolve and open balance I have with XXXX. I was trying to clarify exactly what I was being billed for as I had satisfied my out of pocket debt on this already. The hospital re-routed me to Central Financial Control to a Debt Collector named XXXX, ID # XXXX. 

I was confused as to why account was in collections in the first place. I asked him for clarification of what this bill was and told me it was for a hospital visit under Physican ( left blank for privacy ). This made no sense to me as this physician does not work at this hospital and is in fact my doctor at a completely different private practice called ( left blank for privacy ). 

I asked for a detailed summary of the charges and the collector said he would send me to me. All was fine here until he decided to tell me that he would be reporting this on my credit history. I asked why he was threatening me before providing the requisite details and he then proceeded to tell me that If I did not satisfy my debt that my credit would be affected. 

I simply wanted full disclosure and clarification on my debt before paying as I believe it is not correct. I feel his tactic was a veiled threat and that was acting outside of the parameters of his job. Because he provided incorrect information on doctors and visit dates, along with threatening my credit, I feel he attempted to force me into payment without following proper procedure. 

To be clear, I pay my debts. In this case I feel there is a mistake and do not appreciate threats from debt collectors.
Product: Mortgage

Note : This is not a duplicate complaint On XX/XX/XXXX - I contacted the Ombudsman Office at SPS Mortgage Servicing to request proof I initiated a request for them to defer my monthly mortgage payment on my mortgage account in XXXX. 

Prior to filing my initial complaint, I contacted SPS Mortgage Servicing and requested to speak with a manager about the deferred payment on my account and I was told by XXXX who was the first manager on duty, that I spoke with at SPS when I discovered the payment was deferred and she asked me to provide proof of monthly payments for XXXX, XXXX and XXXX of XXXX, and they would drop the late fees that was on my account, which I did what she asked and I uploaded the proof received from the bank to my complaint I submitted to the CFPB. 

I spoke with XXXX on XX/XX/XXXX who is in the Ombudsman Office for SPS and I asked XXXX if they can send me proof and I explained that I never contacted SPS to defer a loan payment and I always paid my payment by the end of the month as previously with my previous mortgage servicer XXXX XXXX and XXXX asked me for my phone number because they needed more time to research. 

I told XXXX that I never requested a deferral and I had been paying my mortgage payment the same way since it was transferred from XXXX XXXX in XXXX to SPS Servicing. XXXX said they would get back to me and I told her that I would call her back on a few days. 

I called SPS again on Thursday, XX/XX/XXXX, XXXX and I asked to speak with XXXX and XXXX answered the phone and I asked to speak with XXXX and she stated XXXX was on the phone and she could help me and I requested to just wait or call XXXX back since she was familiar with the case to not repeat the story over again to another representative. I called back and XXXX XXXX on XX/XX/XXXX and XXXX answered the phone and I asked to speak with XXXX and he said she was busy with another caller and she requested for me to leave my phone number. I told XXXX that I would call back again before they closed, which I did the following day on Friday, XX/XX/XXXX and I called SPS again to speak with XXXX and she told them to ask for my phone number and I told them that I would prefer to calling her back. I had a doctor 's appointment on Friday afternoon at XXXX and couldn't call XXXX back because it was late when I returned from my appointment. 

On Saturday, XX/XX/XXXX, I received a letter from SPS stating they would need more time to research the calls on the payment they said that I deferred and they would get back to me in 30 days. 

In the response to my complaint to the CFPB, the SPS stated they dropped the late fees and that I deferred a loan payment in the amount of {$1600.00}. 

I am trying to understand why SPS did not provide me evidence that I completed a deferment on my account in their response to the CFPB, and unable to provide proof to me as to why is it taking them 30 days to provide evidence of the call they stated I made requesting the deferred payment, which they should have done when they responded to the initial complaint.
Product: Vehicle loan or lease

Santander Consumer USA. 


I had a car loan with Santander. I had my car for 3 years. I was in a car accident ( hit from behind XXXX on XX/XX/2020. My car was declared a total loss on XX/XX/2020. I had car insurance ( XXXX XXXX whom paid Santander and I also had GAP  insurance ( XXXX  ) whom also paid Santander. They are still reporting this on my credit every month as if i still have the car and reporting late payments. I called and spoke with Santander and told them the car was a total loss and they were paid by my insurance and my GAP  coverage, however they are still reporting this on my credit.
Product: Mortgage

Homeowners Protection Act ( HPA ) provides two ways to remove PMI from your home loan : ( 1 ) requesting PMI cancellation. 

I have reached out to the lender multiple times in writing asking for guidance on cancelling my PMI on my mortgage. The values of properties have gone up significantly and I have made improvements on my home significantly increasing the value of the property. I have well over 20 % equity in the property and the lender will not respond to my request for cancellation of mortgage insurance or request/order an appraisal or PMO to cancel the PMO. 

The lender states in their communication with me that significant remodel such as a kitchen or bathroom qualify for re-evaluation of LTV. Upon contacting the correct dept. about this matter I continually get responses saying " Please wait 30 days for a response '' The lender is ignoring my attempts to re-evaluate my LTV and remove my PMI from the mortgage. My LTV is currently in less than 75 % and still m lender has not responded to my request. 

At this point I expect back payments ( reimbursement ) for Private mortgage insurance that should have been previously removed when my value exceeded the threshold of 75 % legally requiring the cancellation of PMI.
Product: Credit card or prepaid card

There's a charged-off XXXX credit card account account from Midland Credit Management appearing on my credit report. I haven't had a credit card account with XXXX in over 10 years. Therefore, this account has to be a product of identity theft.
Product: Credit reporting or other personal consumer reports

i check my credit report and i see this accounts in my report this accoutns dont belong to me.. delete asap XXXX XXXX XXXX. 
Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX XXXX Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately XXXX XXXX  Account Number : XXXX Reason : Under 15 US Code 1681b permissible purposes of consumer reports Instruction : Please Delete Immediately
Product: Debt collection

I started to receive calls from a company from a XXXX number in XXXX and XX/XX/XXXX. They never asked me or stated they are attempting to collect a debt, but wanted me to verify my XXXX # or DOB. I stated that I could not do that, seeing there are many scams running crazy these days XXXX XXXX said they could put a lien on my car and they would file something in my county. They would not tell me the company they are calling from or anything. I asked my husband XXXX to look into it. After repeated calls, the company was getting annoyed with my husband, because he was inquiring on the same information. XXXX XXXX said that he would put a lien on my husbands truck, even stating it was a XXXX XXXX XXXX. XXXX XXXX also stated to my husband that I was conducting credit card fraud. Finally after repeated calls my husband figured out the company name was XXXX XXXX XXXX XXXX working under uscountyservices.com and that the voicemail had a name of XXXX XXXX. After talking to XXXX XXXX and a supervisor XXXX it was relayed to him that it was a Credit Card from XXXX  XXXX supposedly I have that was opened in XXXX, stating I owed a balance of {$2300.00}, Original Debt {$1400.00}. I am not aware of this account or that I owe anything related to this account. It has not been on my credit report, no communication from the original company or anything. They stated it had been paid on in XXXX, which I know what I pay on and can certainly say I have never paid anything on this account. My major concern is that this company never stated who they were or if they were collecting a debt as they should under the Fair Debt Collection Practices Act. They threatened liens on my vehicles and property, even my husbands vehicle. They gave out my address, birthday and last four of my SSN to someone that they assumed was my husband ( which it reality was ). They have not sent any written communication as I have asked to have and have been evasive during the whole situation.
Product: Mortgage

we had gone into a forebarence plan with Caliber Loans. our loan is federal backed/FHA, and we kept asking if they would roll the amount to the end of the loan..they said yes but never really made it clear that it would actually be a sub loan and effect us being able to refinance the loan. we desperately need to lower our payment, but cant because they want us to pay XXXX off before we can refinance.
Product: Debt collection

In XXXX of XXXX I became aware that I was the victim of identity theft. I received an alert from XXXX that my credit score went significantly down. Around this time, I received two collection notices in the mail from National Credit Systems Inc. One was for an unpaid apartment rental in Michigan ( XXXX XXXX XXXX ) for {$4900.00} and the other was for a related security deposit company, Sure Deposit, for {$750.00}. After looking into it, I found out that someone had been renting an apartment using my personal information including name, date of birth, and social security number. Both of these collections appeared on my credit report. I later found out that my personal information was compromised as a result of the XXXX XXXX Data Breach. 

I originally tried twice to dispute the collections through XXXX and their fraud department, and each dispute was denied. I then placed a fraud alert on my credit. I have also frozen all of my credit profiles through XXXX, XXXX, and XXXX XXXX. I then filed an identity theft report with the FTC. The FTC provided me with a list of steps I needed to then take which I completed, including filing a police report. 

I filed the police report in XXXX of XXXX when I was told by National Credit Systems Inc. that I needed one. Also in XXXX I submitted the following documents to National Credit Systems Inc : my police report, FTC report, two years worth of leases proving my actual residency ( not in Michigan ), a picture of my drivers license, an affidavit packet and a Notice to Furnishers of Information. I followed up by calling them in XXXX and they said that they investigated the situation but my dispute was once again denied because my information matched the information that the false renter had provided on her rental application. I have contacted the collection agency and the apartment complex multiple times and neither have provided me with any options on how to move forward and resolve the issue. A few weeks ago, I gathered all my documentation and then mailed them to both XXXX and XXXX in order for them to reach out to National Credit Systems Inc. to resolve the issue and remove the collections from my credit report. This included a cover letter, police report, updated FTC report, copy of my drivers license, copies of the collection notices, and a copy of 605B of the Fair Credit Reporting Act. I recently received my dispute results from XXXX, and it has been denied once again, even though I have provided the proper documentation multiple times to both the credit bureaus and the collection agency. National Credit Systems Inc. has been very uncooperative in resolving this issue and I am requesting your assistance in helping to remedy this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In review of my Credit report, the following acct has been pd in full satisfactory to XXXX XXXX XXXX  by Washington State landlord mitigation program.

A collections has been placed against us for a balance that can not be collected as once payment was submitted, XXXXXXXX XXXX XXXX  were not aloud to submit for another bill unless documentation was fully submitted and it was not. 

Original creditor : XXXX XXXX XXXX  Debt holder : XXXX XXXX XXXX Balance : {$950.00}
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/XXXX, my roommate used my XXXX XXXX XXXX   to make a series of unauthorized transactions, totaling a very substantial amount. As soon as I discovered the fraud, I immediately called XXXX Guest Services to have the card shut down, and a new card sent to me.

At the time of my initial fraud claims, I submitted the following documents : two Fraud Questionnaires, a summary/confirmation noting which transactions were fraudulent and which ones were genuinely mine, and a police report. I even provided the name and phone number of the person who committed the crime. This information was used to credit only some of the fraudulent transactions, but a majority of them reposted to my account in XX/XX/XXXX. Seeing XXXX error, I called the Fraud Department directly in XX/XX/XXXX directly and spoke to the rep who was managing my case. She told me that she did not receive the documents in time, but if I resent everything again, she would complete a reinvestigation. I faxed them to Guest Services, and was sure to include my account number and the reps name on the cover sheet. I have a confirmation fax that the documents were successfully transmitted.

30 days went by ( again ), and the charges still were not credited. So, I sent the packet of information in the mail in XX/XX/XXXX in a final attempt to have the transactions permanently credited. I made note in the letter that if this matter was not resolved in 30 days, I would be notifying the CFPB disputing the balance with the credit bureaus, and closing my account for good.

It is now XX/XX/XXXX and interest has been accruing on this fraudulent balance for six months now. The transactions still have not been credited event though I have sent the same packet of information four times over now. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights.

Dept of ED Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

New Day USA-Deceptive advertising. 
I've been seeing this companies comercials everyday and the continue to give misguided and deceptive information. 
I have reached out to the numerous time with NO response. 
They have a history of this and has been fined in the past. 
I'm a Veteran and a XXXX XXXX XXXX  They need to be fined again ....
Product: Checking or savings account

On XX/XX/23, I filed a CFPB complaint against Chase bank because they would not release the funds from my closed checking account. The ID for my initial CFPB complaint is XXXX. Subsequent to my initial CFPB complaint ( via numerous phone calls to Chase 's fraud department and trips to my local Chase bank ) and in my initial CFPB complaint, I explained many times to Chase bank that the money in my account was rightfully mine based on the evidence I had however in the end, Chase bank would not accept any other remedy other than requiring me to obtain an affidavit from an attorney. Because this was non-negotiable, I had to spend approximately {$1900.00} + {$190.00} ( initial consultation ) to get the affidavit. Afterwards, Chase bank did ultimately release my funds which proved the funds were rightfully mine the entire time and as such exonerated me from any perception of wrongdoing. I did not give the attorney any information that was different from what was available to Chase therefore Chase placed an unneeded and unnecessarily burden on me for no legitimate reason. As such, I am demanding Chase bank reimburse me for the total amount of {$2100.00} for lawyer fees that I had to pay out of my pocket. I am offering Chase the opportunity to settle this matter before I pursue further litigation.
Product: Credit reporting or other personal consumer reports

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

Account Name & 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 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. The bankruptcy court do not report to the credit bureaus that is a violation of my hippa rights
Product: Credit reporting, credit repair services, or other personal consumer reports

hiding a collection under exceptional payment history to deceive me ... ... ... ... ... 

proof will be in the attachment XXXX XXXX XXXX {$3100.00} Balance updated XX/XX/2020 XXXX late payments unfair practices
Product: Student loan

I transferred my student loans from XXXX to Fedloans in XX/XX/XXXX, since I am going through the PSLF program for loan repayment. I started making payments in XXXX and so far Fedloans has not been able to give me a accurate amount of qualifying payments. I have been waiting since XXXX of XXXX to get the number of accurate qualifying payments I have made thus far. I have been calling periodically to see what the status of the payment count is, and I have been told they can not tell me how much longer it will take and that there is nothing I can do about it. So far the only payments they have accounted for, are the payments from when I transferred my loans to Fedloans, until I requested a payment count XXXX of XXXX. It does not seem right to have to wait for over 17 months to get to the bottom of this
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, ACLU, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge. 

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.