23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I sent the below email to SPS Servicing. 

I am writing to plead that someone in the corporate counsel office please review my account which has been mishandled since it was placed from XXXX to SPS. My mortgage assistance that was in the final stages was ignored. I had to write and call over 10 tens to get it corrected. When it did get corrected, the account was already then late again and SPS said they would add the additional months to get it caught up. That didn't happen. I received a notice of default at the end of XXXX with a payment to cure date of end of XXXX. I applied for mortgage assistance and after a review and an appeal, of which I don't agree that done correctly, because the amount to bring the account to cure at that period was just 4 months and it states that I can't make more than 150 % of the payment and I could've. Also, another reason I was denied was that I previously had a deferment with SPS. I didn't have one with SPS, it was with XXXX and the letter was sent from XXXX and approved from XXXX. Now on XXXX the same day I get notified that everything has been denied I get put in foreclosure? I was working on a loan to pay the account current and was days away from this happening. There is no need to turn this account to foreclosure, I can pay the amount due or at least an amount to get it within 90 days current. Can you please review this account and provide me with a notice to cure? The notice to cure from XXXX I would never be able to achieve because the account was under review then. How can it be legal that you get a notice to cure and then you allow for an assistance application to go through that extends past the time to cure? 

I am going to send this to the XXXX  and FTC and CFPB as well. I am trying to make this right and I am not getting any assistance in doing so and I believe that you are illegally denying my mortgage assistance application for incorrect reasons. 

XXXX XXXX
Product: Prepaid card

I have an American Express XXXX card expiring on XX/XX/XXXX. Last time I used this card was XX/XX/XXXX and the company suddenly closed the card on XX/XX/XXXX. The card was issued and used In California. 
I called the company and they said that the state closed the card. I asked for the reason and they were not able to tell me anything. I asked for the contact number, where I can dispute this. They were not able to give me any more info than that the state closed my card. 
I called the company on XX/XX/XXXX, and the agent said that her name is XXXX XXXX ( if that is true, it was clearly an XXXX call center ). 
I checked the law and I seems that it is illegal to close the gift card which I was still using. They completely closed my access to the account so I can't even check my transactions on this card.
Product: Mortgage

I have a mortgage loan with  PNC Bank.  Recently, I had a slab leak and the insurance company sent me a check for the damage that need to be co-endorsed by  PNC before  I can deposit it to my account. The work was already done and I have to pay the construction company. However, I ca n't deposit the check from my insurance company because I ca n't get a hold of anyone over  at PNC. I 'v e waited in the phone for hours. I 've sent them messages through their online account system and no one has contact me back yet. There is no way to get in touch and speak to a live person whatsoever. Meanwhile, I have to write a check for the money that I do n't have to pay the construction company beca use PNC wo n 't contact me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :
Product: Credit reporting or other personal consumer reports

There are several accounts being reported as delinquent or as closed acccounts and that information is not accurate. 

these accounts do not belong to me and need to be removed its a clear case of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX These accounts have been disputed numerous of times and these bureaus have failed to remove the inaccuracies, placing a burden in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC ( section ) 1666B Goldman Sachs is in violation for billing errors. 

I Am reaching out in regards to information on my Credit report that It is reporting negative information which is affecting me tremendously. I found an article proving Goldman Sachs are wrongfully reporting credit info from CFPB article on Goldman Sachs. Please update my Payment history to 100 % on time. 

Also, I would like to add that In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

Please update my Payment history to 100 % on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXXate payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE Im resubmitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. 
Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

On XX/XX/2019 I went to a bar and was later charged {$300.00} on my BofA visa for services I did not receive. I complained at length to the manager ( s ) present and later via multiple phone calls to useless corporate stooges, but could not resolve the situation. On the XXXX, I filed a complaint with Visa and BofA. They told me that the charge was reversed but months later changed that decision saying I had a chance to " inspect '' the product up front before paying ... which is untrue ; they make you pay up front. After nearly a year of writing letters to every conceivable part of BofA, I threatened to close all of my accounts ( savings, checking and three credit cards ) until they addressed this. They still gave me nothing but repetitive form letter responses. I indeed closed those accounts with a balance still pending and STILL got no response. They then " charged out '' my account and trashed my XXXX credit rating. I filed multiple complaints with XXXX and the XXXX with little to no results. I want my credit rating back!!! Thank you!!
Product: Credit card or prepaid card

Card was supposed to refunded as well as attached XXXX to savings. Board request dept ran by XXXX XXXX at Brinks issue me refund. Three months later she has not filed check. Or called or written me from resolution department. Please escalate.
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 : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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

I have disputed the labeling of an account as closed because of repossession. The repo was wrongfully conducted due to the ineptitude and incompetence of the furnished, in this case XXXX in XXXX XXXX, TX.,  and to add insult to injury also the incompetence and ineptitude on the part of Experian in investigating it. I had filed a complaint with the XXXX   regarding this back in XX/XX/2015. XXXX  complaint # XXXX. I sent a copy of the document electronically and by mail with a letter explaining it. I had called the furnisher twice about this and they conveniently could not find the account, but when Experian investigated they magically found it and confirmed it. As I stated in the past, these credit bureaus are quick to post this information taking the word of these providers without verification, but when the consumer goes to refute the information its like pulling teeth. I practically have to do their jobs for them by collecting information that they should be able to, especially if theyre undertaken an awesome responsibility of posting vital information which affects the consumer greatly. I have been through a lot because of their incompetence and actions. I DEMAND that this gets corrected as quickly as they took to investigate. I dont know why furnishers weigh information from these agencies so heavily in their decisions if they make so many mistakes, and the complaints filed with various consumer organizations confirms that fact
Product: Credit reporting or other personal consumer reports

XXXX  XXXX BANKRUPTCY ( XXXX XXXXXXXX XXXX  ) REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Student loan

My loan through XXXX XXXX XXXX was given to an collection agency called XXXX XXXX XXXX ( which I was not notified that the loan will be moving over to another agency on XXXX/XXXX/16 ) as I schedule another cycle of online payments for the collection agency to obtain. However, on XXXX, I spoke to someone from XXXX and they said your loan is not with this office, it has moved to Trans World Systems , Inc. The loan is at TWS but I contact the company on XXXX and was told to wait about 2 weeks because my information has not been cycled in the system. I called TWS, Inc. on XXXX and office was closed for business and called again on XXXX/XXXX/16 which I finally was able to get in contact with the representative who has been handling my loan. I have ask for something to be mailed to me and the representative began to take my credit card information. Effective today, I have reached out to the Trans World and asked for a fax number and they will not give me their fax number but gave me XXXX XXXX XXXX XXXX, but Consumer Affairs stated that XXXX XXXX XXXX has been flagged for and XXXX and explain further why. The representative from Trans World is asking for over the income amount and I agree because naturally I was scared, yet ask for another payment for the next following two months. The payment is " 8 '' times the income I would make and I do not have that income in XXXX. Trans World has failed to provide me with an itemized detail letter of who they are and notification of drafting, etc. No information has been sent from XXXX XXXX XXXX, XXXX XXXX XXXX or Trans World Systems regarding this matter. I 've been paying on my loan and it is growing, which I do not remember taking that amount out. I would like to give them something in writing for the first time besides the recorded call I have made requesting for information after I have given them my address correctly.
Product: Debt collection

Account is listed as an open account type and pay status as collection with a pass due balance of XXXX This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been paid and closed, paid before terms. 

XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance - Updated on XX/XX/2019 2019
Product: Debt collection

1 ) Notice of foreclosure from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX states the Creditor to whom the debt is owed as Bank of America, N.A. s/b/m/ to BAC Home Loans Servicing. ( enclosed ) 2 ) The true secured creditor was revealed by BAC as being XXXX XXXX XXXX XXXX XXXX, based on a qualified written request. ( enclosed ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) became the secured creditor and owner on XX/XX/XXXX. This fact was confirmed by both XXXX XXXX and by a Declaration and Affidavit of an expert witness. ( enclosed ) 4 ) We recently received Notice of sale for XX/XX/XXXX from XXXX XXXX XXXX on behalf of Bank of America. ( enclosed ) The action against us was initiated in XX/XX/XXXX on behalf of BAC Home Loans Servicing as Owner of Note as shown in the letter from XXXX XXXX XXXX XXXX, XXXX. Clearly XXXX XXXX XXXX XXXX XXXX has been the owner of the Note since XX/XX/XXXX. This home was erroneously foreclosed by the improper party.
Product: Credit reporting or other personal consumer reports

XXXX declined my block of information without properly verifying the fraudulent accounts. Equifax and XXXX also failed to follow federal law under 15 USC 1692g. Because of these recurring problems, I have lost confidence in the banking system and have dealt with the hardships of inaccurate reporting. This has damaged my general mode of living and my livelihood. I have been unable to take advantage of consumer credit because of ( XXXX, EQUIFAX, and XXXX ) willful noncompliance and knowingly violating my consumer rights have stopped me from receiving goods, services, and personal property.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am filing this report on my behalf. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.
Product: Checking or savings account

Since truist bought bb & t, I have been having nothing but problems with my account. Since XXXX I've been getting unnecessary overdraft fees. For one thing there website is not accurate because I can check now my balance and guarantee 2 hours later there is another balance. They claim they can only refund my account once every year. For example. I went to bed last night with XXXX for my balance and then woke up this morning to XXXX. They claim if it's not more than {$5.00} then you should not have any overdraft fees. Each time they have. In XXXX I was charged {$240.00} in fees and I'm already struggling and they don't care. Something needs to be done and looked into because apparently this is an ongoing thing with other customers if you read their reviews.
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. 

Account name : XXXX XXXX : # XXXX, Account name : XXXX XXXX : # XXXX, Account name : XXXX XXXX : # XXXX, Account name : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reporting 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 in accurate.
Product: Debt collection

I am getting threats to repay a loan from ACE cash express taken in XXXX which I have not taken .The bank account XXXX XXXX XXXX where the amount is deposited is not mine. 

Please report a fraud
Product: Mortgage

I received a XXXX of a Loan Modification from PNC. I never requested for a loan modification and recently the State of Maryland just paid the outstanding balance I owed to PNC. Why am I receiving a loan modification when I never asked for one with an interest rate of 8.125 %. I was already in a loan modification where my interest rate was 6.875 %. I want to what communication did they had with me assuming I requested for a loan mod when I did not. The payments PNC received from the State of Maryland should have resumed the most recent loan modification already in place. I do not request a loan modification. I need to see how the {$12000.00} payment was applied to my loan from the State of Maryland. Also the loan mod still says XXXX recovery, what is it recovering because the interest keep increasing to where it is not affordable? How was the money applied? Who authorized a loan modification when I did not?
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase online with XXXX on XX/XX/2020. 

I reviewed my free credit report with Equifax on XX/XX/2020 and noticed a credit inquiry on the same date of purchase stating most recent inquiry : XXXX/XXXXXX/XX/2020 I purchased one item and paid with a debit card. I never asked for or applied for a credit card nor did I give the site my social security number.
Product: Credit card or prepaid card

I purchased a cellphone on ebay, for {$580.00} but it arrived cracked. The seller refused to help, so I opened a dispute with citi, the credit card I had purchased it on, and eventually the seller agreed to refund me, once I close the dispute. I reached out to citi who closed the dispute, but it still remained open with XXXX. each side is insisting that the other is at fault, citi claims they have passed on the information that the case is closed, XXXX claims that they haven't heard from citi so they can't close the case. I have called each side multiple times, who always blame the other. This situation has been the same since XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX