23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our home builder partnered with Supreme Lending, requiring us to use them for our preapproval. Once we were preapproved, Supreme Lending offered us a rate lock incentive for a 9-month rate lock with up to three 30-day extensions. We accepted the offer as outlined and had our interest rate locked in with Supreme Lending in XX/XX/2022 expiring 9 months later on XX/XX/2022. Once it looked like we may not close by the initial rate lock date of XX/XX/2022, I began asking Supreme Lending about the 30-day rate lock extensions that were advertised. I was told the extensions were no longer available. We now know we will not close before the initial 9-month date of XX/XX/2022 and Supreme Lending is refusing to honor their rate lock extensions as advertised. I reached out to Supreme Lendings complaint department and was redirected to the Operations Manager in their branch who again told me they are no longer honoring the three 30-day rate lock extensions that they advertised in our model home as recent as XX/XX/2022. We are working to keep the interest rate that we were told was locked in for us for up to one year.
Product: Debt collection

I am filing this compliant regarding Carvant Financial, as I suspect a form 1099-c may have been issues or reported to the IRS in connection with my account, yet I have not received this form directly from the creditor. This lack of notification has caused potential confusion regarding my financial and tax obligations. 

i am requesting the following : 1. confirmation of whether a form 1099-c was issued or reported to the IRS 2. a copy of this form, if it exists, along with details of the alleged canceled debt, including the balance, the amount forgiven, and that date of cancellation. 
XXXX correction or retraction of any erroneous filings, if applicable, and confirmation of the resolution. 

This matter is urgent, as it may affect my tax reporting and financial standing. I have already reached out to Carvant financial directly but have not received satisfactory clarification or resolution. 

Desired resolution : 1.written confirmation of whether a 1099-C was Issued 2.a copy of the 1099-C if it was filed with the irs 3.proof that any errors in reporting, if present have been corrected with the irs my next step I will be submitting a complaint with the DMV if this isnt removed off my credit report
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I have attached my FTC report and Police Report which I filed on my local Police department to testify that I am a victime of identity theft. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX
Product: Mortgage

I have a discharged chap XXXX, and since that Ocwen Mortgage stopped reporting my payments, so now appears that I have no home loan, and no pay history, and my balance is not correct, they seem to not want to fix this, all I get is we will investigate well XXXX will be a year, it does n't take that long to investigate. All last year I made XXXX payments to them, my payment is only XXXX. This year so far making XXXX payments to try to pay them off quickly as possible. I need my credit report to reflect payments, and current bal, and that I am still paying them.
Product: Debt collection

They claim I owe {$290.00} and I have received text correspondence on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of this year. No verification of identity was given. I believe this is a scam. They claim to be the law office of MBA with the contact information XXXX and the website https : XXXX for a form of payment.
Product: Student loan

My wife and I consolidated our private and public student loans back in 2005. The original servicer was Sallie Mae. The servicer is now Navient. 
Navient informed us this spousal consolidation loan can not be refinanced nor separated by borrower, for purposes of refinancing with another servicer. This " spousal consolidation loan '' is no longer offered ( I wonder why ) nor eligible for any type of refinancing relief. Yet, as a XXXX military vet, I am told a guarantor will be the one to separate the loans for purposes of determining what loans belong to me, and therefore forgiven. Why can't these loans be separated now? 
We are both in the XXXX XXXX industry and eligible for PSLF. But can not go that route because of the barriers caused by spousal consolidation loans.
Product: Credit card or prepaid card

Chase Amazon Prime credit card has issued a refund on XX/XX/XXXX per their statement back to a credit card. I specifically requested a refund as I no longer want to use this credit card. The rep on XX/XX/XXXX told me I would receive an email in 2-4 days choosing to have a check mailed or a direct deposit. Today XX/XX/XXXX supervisor XXXX of XXXX Missouri stats he can not refund the money to me because the dispute has not been finalized. I want my money direct deposited to my checking account as previously promised by Chase. I do not want a check in the mail because I am afraid I will never receive it just like I never received my purchase from Amazon using the Chase credit card.
Product: Mortgage

I was recently diagnosed with XXXX XXXX. Prior to me having medical problems I always paid my mortgage payment on time and months in advance because I was working. I have been in and out of the hospital with complications for the past XXXX months so I am no longer working. I am receiving XXXX XXXX  and I requested a modification last year in XXXX. I have spoken about five to six different representatives and they all keep telling me the same thing they cant offer me a modification they can only approve me for a forbearance which I excepted and it is tearing down my credit score. My credit score dropped XXXX points in XXXX month. I keep telling them that my status has not changed and more than likely it wont change. They refused to give me the modification. I really need some help with this situation. I worked so hard to get my credit back in order and if they dont give me this modification before the six month period that they offered me my credit score is going to be in a very negative state.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX 

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 or other personal consumer reports

XXXX. XXXX XXXX XXXX - Account # : XXXX XXXX. XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX XXXX - Account # : XXXX XXXXXXXX XXXX XXXX  - Account # : XXXX XXXXXXXX XXXX XXXX  XXXX - Account # : XXXX I am requesting the immediate removal of several fraudulent accounts from my credit report under Section 605B of the FCRA, due to identity theft. These accounts are severely impacting my ability to access essential credit. I have provided the necessary documentation to support this claim and urge you to correct my credit file as quickly as possible. Your swift attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Equifax had violated the FCRA Section 1681i They refused to provide me with any proof And they never do a reasonable investigation they credit bureau dont care about consumer!

They will respond to the cfpb cuz they have to responde to you bout just to make you feel they are doing there job bout they are not the will show proof that this unverified account still on my credit!

XXXX  they have response to you they are working on it XXXX  they are not! 

Just need this of my credit and nothing more. 
They will tell consumer creditor has verified account XXXX  is not true all dispute go to a XXXX  system and the computer do everything automatically. That they do investigation is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Miscellaneous XX/XX/2019 TransUnion XXXX XXXX Miscellaneous XX/XX/2019 TransUnion XXXX XXXX XXXX XX/XX/2019 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Student loan

I originated this private student loan in XXXX in the amount of XXXX. I was deferred until graduation ( XXXX ) and then entered into a lowered payment agreement. Since XX/XX/XXXX, I have been paying the normal payment. 3 months ago, I noticed that my principal balance has increased. So I contacted customer service and was told that my payments had been going to interest-bearing fees. Because I get electronic statements, I was only able to pull statements back to XXXX. The agent said they would send it to an account specialist and get back to me.

6 weeks later, I still had no word, so I called again. The agent this time pulled my account overview and sent it to me. Based on this report, since XXXX, it shows that my payments have been distributed to 'interest ' and 'fees '. No one can tell me what the fees are. Again, I was told it would be sent to an acount specialist but have heard nothing. 
I called again yesterday, and was read the exact same thing that was on the report, that my payments have been going to interest and fees. Again, it would be escalated. 
Today I received an email that the payments have been going to interest and fees with no further explanation. 
The account overview from last month shows that I have paid {$19000.00} on the loan amount of XXXX ( XXXX principal plus origination fees ). {$10000.00} went to interest and {$9500.00} went to interest-bearing fees. My balance details were unknown. 
The statement that I received this week shows my balance as XXXX, so it looks as though they are now distributing the money toward my principal since my call.
Product: Credit reporting or other personal consumer reports

Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, it states that credit reporting agencies have to report accurate information. I have been repeatedly asking the credit bureaus to report 12 student loans as paid in full and as agreed since XX/XX/2022 and they still are not reporting my loans as paid off and as agreed. See below Group Total Applied Applied to Principal Applied to Interest Applied to Fees* XXXX {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX  {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4500.00} {$4500.00} {$0.00} {$0.00} Total {$37000.00} {$37000.00} {$0.00} {$0.00}
Product: Mortgage

SPS responded to an inquiry I submitted on XX/XX/XXXX. In their response SPS stated they need documentation to change their position that they are not the Servicer and have no financial interest or any other interest in my home. There are 5 issues at hand. First, SPS continues to erroneously insist that I owe on a mortgage they purportedly service. They have failed to provide proof for any assignments from the so-called trust XXXX Mortgage-pass through security XXXX nor any written proof as required under the Qualified Written Request that the security exists. To the contrary, I have provided proof of SEC documentation that the trust was terminated in XX/XX/XXXX. Additional documents are contained in this complaint. Second, attached are several more written documents that refute SPS claim the Trust or the parent company, XXXX , XXXX- a Delaware Company exist according to the Secretary of Delaware . There is no way SPS can represent the shareholders of the XXXX Mortgage-pass through XXXX if the Trust that SPS claims to represent has been terminated as a business entity ( Secretary of Delaware ) and as a Trust ( according to SEC ) since XX/XX/XXXX Third, SPS claims to be the servicer for the shareholders to the XXXX Mortgage pass-through XXXX Trust. Attached you will find a notarized and recorded document where XXXX claims to represent the shareholders of XXXX Mortgage pass-through XXXX Trust as its Servicer. ( See Attachment page 8 ). Fourth, the XXXX Mortgage pass-through XXXX Trust SPS claims to service is for a Home Equity Loans. The documents ( Deed of Trust ) SPS provided are for a home purchase not a home equity line of credit. ( See attachment-XXXX Structured Finance, page 1, midway down the page ). Fifth, in XX/XX/XXXX, XXXX XXXX filed a XXXX with the SEC where XXXX claims to represent the shareholders of XXXX Mortgage pass-through XXXX Trust ( See attachment-SEC XXXX filing exhibit XXXX, page 3 ). Finally, SPS does not have any financial interest in my property for the following reasons ( not an exhaustive list ). There is no Trust, according to the Secretary of State of Delaware for Corporations and the Security Exchange Commission ( SEC ). Notarized court documents by XXXX proves they are the Servicer of Record for the XXXX Mortgage pass-through XXXX Trust. Documents filed with the SEC by XXXX XXXX states it is the Servicer of XXXX Mortgage pass-through XXXX Trust.
Product: Debt collection

Hello, I've been getting harassed by XXXX XXXX for over a year now and didn't answer their calls or blocked them because they're a scam company. Just recently a week ago ( late XXXX ) I receive a voicemail from Receivable Management Services LLC about a debt I owe to XXXX XXXX from XX/XX/2020 but the thing is I never ordered anything this year so I don't believe I need to pay this debt. I would like them to stop harassing me and leave me alone because I didn't do anything wrong. 

The amount I owe is {$260.00} from XX/XX/2020 ( NEVER spoke or ordered anything ). I tried calling but no one answered and their mailbox is full. 

Can you please tell them to stop or help me get this resolved so I can live in peace? 

Thanks.
Product: Money transfer, virtual currency, or money service

Robinhood Crypto has restricted my account after I attempted to transfer funds out of their account even after completing all their XXXX  verifications upfront. They were happy to take my money when I was depositing it to them, however. I have been waiting for days for a contact back, but have not received any contact. Apparently the only way to contact them is by requesting a call back from their website or mobile app but the Request a Call link in the app is not functioning properly ( its not a clickable link ), all calls to Robinhood customer support are telling me I can not schedule a call back at this time when I input my account number, mobile app chats are only via a virtual assistant that does not allow me to interact with it ( just tells me there is a restriction on my account and allows me to click a button to say Yes, thats all when that is NOT my intended response ), the upload link in the email I received requesting more information is not functioning properly, and there is no way I can get a hold of anyone at this company. I can not be left hoping to get a call back from them at the exact moment I am available and ready to pick up the phone with my busy work schedule. Any emails Ive received from the company came from a no-reply email, so email contact has not been an option either. This is a completely unacceptable level of service from this company and it is causing me undue financial burden with being unable to do anything in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been late on the following accounts. Mark the following accounts as paid as agreed or delete the account. After I had a chance to review 15 USC 1681a ( 2 ) ( i ) I noticed transactions and experiences should not be on my consumer report at all. That means late payments should not be on my consumer report either way. XXXX the following accounts as PAID AS AGREED or Delete from my consumer report. : DEPARTMENT OF EDXXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX
Product: Debt collection

I was asked for all XXXX credit bureaus to investigate the negative item on my report. I keep getting the same response but no update on credit report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Debt or credit management

Signed up with Level One Law for debt management. They started pulling money from my account XX/XX/XXXX. Payments were due on the XXXX and XXXX. I went into my patient portal to adjust my draft date since I'm not getting paid until the XX/XX/XXXX. I didn't see how to make the change so I called the company and the voice mail stated the we're open. Red flag. I reached out to the local lawyer to whom I was assigned. He assured me everything was alright and if I'm still having trouble reach back out to him. I then called XXXX XXXX XXXX and found out they had received multiple calls regarding this company this week. I closed my account so no further drafts would be taken out. Found out out of the XXXX put in only XXXX was left. I feel like they never provided a service, therefore only administration fee should have been taken out. They hadn't even sent letters to my creditors identifying theirselves and making them aware the would be speaking on my behalf.
Product: Money transfer, virtual currency, or money service

Coming on the heels of all the other complaints we have filed against this now fully merged XXXX XXXX behemoth, which violates every antitrust rule & regulation known to humanity, now they have apparently " reversed the reversal, '' of the {$5000.00} they stole from my account on a Friday, even though we have more than complied with their incredibly confusing instructions/app via their XXXX app program fiasco for XXXX merchant account number XXXX, which one requires a PhD in chaos math to fully understand. We supplied this XXXX  company with signed retainer agreements, proof that the cardholder entered in their own credit card data themselves, received goods and services and intellectual property and trade secrets in exchange for their partial retainer fee payment, proof that the client accepted all terms and conditions with nearly 30 pages of selected emails ( there's actually 100s ), proof of legal work product, and tons of other material proving that we earned this {$5000.00} & that we should be allowed keep it. The company should rectify this criminal theft of services, or larceny by trick, of this criminal credit card charge back, and give us back our {$5000.00}. Not only that, but these XXXX  have decided to, on their own, accidentally delete the other XXXX account that we created to monitor the merchant services account for XXXX, number XXXX, which the XXXX  at XXXX XXXX  created for us in addition to XXXX, thus confusing us even further.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX with my mother and Ally Financial is the bank loan holder. But, when I printed my XXXX  Credit Report No. XXXX I had to dispute a record under regular inquiries for Ally Financial dated on XX/XX/XXXX, XX/XX/XXXX with the permissible purpose : " AK SOCIAL SERVICE/WRITTEN AUTH/INVESTGT FRAUD. '' I have not committed fraud, and I have spoken with both the credit bureau and the bank Ally financial. They both said they didn't do it, then XXXX   instructed me to request a letter from the bank which I have submitted as certify mail. Photos are included. It's been over 45 days and I need this to be resolve at once. They took 83 points and the others bureau as well deducted points about the same. I feel I wasn't treat it fairly and truthful because last time I spoke with someone in XXXX Credit Bureau, they said they were removing such record from my report and return my points back ; but, when I printed my report today XX/XX/XXXX, that record still there. PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.