23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

THIS IS THE SECOND TIME I HAVE HAD TO FILE A COMPLAINT AGNIST SELECT PORTFOLIO SERVICING. I HAVE BEEN TRYING TO DO A MORTAGE ASSUMPTION FOR 2 YEARS AFTER THE LAST COMPLAINT THEY DENIED THE MORTGAGE ASSUMPTION SAYING THE PROPERTY WAS NOT MY PRIMARY RESIDENCE, I APPEALED THAT DECISION AND SENT DOCEMENTATION THAT IT WAS MY PRIMARY RESIDENCE. NOW THEY ARE SAYING THAT I HAVE TO BE A SECCESSOR IN INTEREST I ALREADY OWN THE DEED BY QUIT CLAIM DEED AND I HAVE LIVED ON THE PROPERTY FOR 13 YEARS AND DO ALL UPKEEP ON THE PROPERTY. I GOT THE PROPERTY AS A TRANSFER RESULTING FROM THE DEATH OF A BORROWER .I CANT GET MY OWN INSURANCE BECAUSE THE MORGATAGE IS NOT IN MY NAME AND I HAVE ESCROW PAYMENT CHECKS JUST SITTING HERE CANT GET THEM TO PUT THEM TOWARDS THE BALANCE OF THE MORGTAGE BECAUSE THE MORTAGE IS NOT IN MY NAME I CANT DO ANYTHING BE ITS NOT IN MY NAME THEY SAY I CANT BE AN SUCCESSOR IN INSTREST HOW IS THAT POSSIBLE IAM THE ONLY PERSON IN INSTREST ON THIS PROPERTY PLEASE HELP STRAIGHTEN OUT THIS MESS THIS IS THE WORST MORTAGE COMPANY EVER.
Product: Student loan

Please note that a previous complaint was filed against my private loan servicer ( XXXX ). I continue to encounter issues with the loan servicer as I have not received paper statements through U.S. mail. On XX/XX/2023, I received an email from XXXX XXXX stating my account was under review and that a formal response would be provided. However, a response has not been provided. Instead, I received a credit alert notice from XXXX on XX/XX/2023, stating that NELNET INC/NELNET has flagged my account as 30 days past due. NELNET INC/NELNET has refused to provide paper statements and communications through U.S. mail . Instead, in what appears to be a condition of the loan product they have aggressively pushed student borrowers such as myself into electronic statements, using questionable, deceptive, and possibly illegal tactics to force student borrowers to " choose '' electronic statements by accessing their accounts online. Just because a student borrower accesses an account online does not mean that the consumer wants to receive statements electronically. Instead, they have used the telephone and electronic communications to harass students for non-payment and then report the account as derogatory.
Product: Credit card

I paid the full balance of {$2800.00} on my Venmo card on XX/XX/XXXX. 
The next day I noticed that the same amount was withdrawn from my XXXX XXXX checking account twice more. Totaling {$5200.00}. I called Synchrony and explained that {$2800.00} has been withdrawn from my account a total of 3 times. One of the payments belong to Synchrony and the other XXXX should be in my XXXX XXXX checking account. 
The representative said thats not possible so I asked to speak to a supervisor and he told me I need to wait XXXX to 14 days. I asked why and he said thats our policy. I said I understand but thats my money. I ask why the card read declined when I have {$5200.00}, but yet online it reads negative {$5200.00}. I called everyday for 4 days in a row.The representatives continued to tell me it would take 10 to 14 days to post .I explained to them that I had paid the full balance of the Venmo credit card and the remainder of the money in the Venmo account is my money. 
The representative said Synchrony will mail a check and it will take 10 to 12 days before I receive the check I told the representative that I need the money now and ask if Synchrony can just keep the {$5200.00} due to me on the Venmo credit card and I will use the card to pay bills and necessities. The representative said I will get the credit on XXXX, XXXX. 
I called Synchrony bank on the XXXX  and said, I still see a negative {$5200.00}, she said it wont post till after midnight. I said to the representative thats the XXXX then and not the XXXX as you stated. 
I looked at my Venmo card on XX/XX/XXXX at XXXX XXXX  and have yet to receive + {$5200.00}. 
The payments on all of my credit cards had cleared within 3 days. Synchrony will not release my funds and I dont understand why.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been nearly three months since I first reached out to XXXX, XXXX, and Transunion about fraudulent activity pertaining to credit file. I have sent XXXX, XXXX, and Transunion several pieces of supporting documentation to validate my claim. I still have the same fraudulent addresses reporting on Transunion, XXXX, and XXXX   after I specifically sent a notarized request asking them to be removed. Several inquiries still remain on my XXXX, XXXX, and Transunion report. I submitted an report from the Federal Trade Commission which included all of the accounts in question. XXXX  recently sent me a response requesting that I send in a copy of my drivers license, social security card, etc for identity purpose. I was sure to include all of those documents with my initial dispute and after speaking with a representative I was informed those documents had been received which makes this letter or automated response inaccurate. My rights under the Fair Credit Reporting Act have and continue to be violated and the bureaus must be held accountable per section 605, 609, and 611.  Accounts XXXX   XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX were never established or opened by me and are the direct result of identity fraud and or theft.
Product: Debt or credit management

Years ago, in XXXX  I tried to use the Bright Money app to report my rent payments to the credit bureaus in order to increase my credit score. Bright money had me upload my checking account information and then I found out I would not be eligible for rent reporting, so I never purchased a membership and stopped using the app. 3 years later just this week I have a {$50.00} charge coming out of my bank account from bright money for their builder program. I did not authorize this charge. I have not opened the bright money app since XXXX and even the address that the bright money app has for me is XXXX XXXX XXXX now a bright support representative said I could withdraw my own money in 3-4 business days, but it has been over 4 business days and I still can not withdraw my money. I never signed up for this, and it is very scary that 3 years later they are taking money out of my bank account. I needed that {$50.00} to pay my mortgage this month, so now my mortgage will be late and I will be reported to the credit bureaus
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX  These hard inquiries are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to express my frustration and disappointment with the way my account has been handled by XXXX XXXXXXXX and MOHELA/DEPT OF ED. Despite never being late on any payment and diligently communicating with the creditor and the credit bureaus, my credit report contains inaccurate and damaging information that has affected my ability to obtain credit and loans at reasonable rates. 

Specifically, my credit report shows that I have been late on payments or have not paid my account, which is not true. I have always made payments on time and have evidence to support that, including bank statements and payment receipts. Moreover, I have sent multiple letters to the credit bureaus and the creditor, disputing the inaccurate information and requesting that it be removed or corrected. However, to date, no action has been taken to rectify the situation, and my credit report continues to reflect false information. 

This situation has caused me significant stress and inconvenience, as I have been denied credit and have had to pay higher interest rates due to the inaccurate information on my credit report. I believe that the creditor has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations, and I request that the CFPB investigate this matter and take appropriate enforcement action to ensure that the creditor complies with the law. 

I appreciate your attention to this matter and look forward to your prompt response. Please let me know if you need any additional information or documentation to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should XXXX deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from XXXX XXXX the promissory note after sending a goodwill letter to them and have not been furnished anythings for 4 different XXXX  XXXX student loans listed on my credit report. Additionally I was requesting from them a request of debtness from all of these loans that they have been reported to my credit file. Additionally, There are several 30, 60, 90, and 120  day lates, but I am currently on income driven payment plan and have been for years. I feel there is a lot of confusion and a lack of follow through on fed Loan servicing side and I need help to exercise my rights.
Product: Debt collection

I contacted my health insurance after receiving a bill from a medical  facility. The date of service was on XX/XX/XXXX for {$110.00}. 
My XXXX  insurance paid {$280.00} on XX/XX/XXXX. This is the second time for this bill that the medical facility tried to bill me for this invoice. 
I spoke to the medical facility about the XXXX time they were trying to bill me on XX/XX/XXXX at XXXX AM. The call ended and was told that they will review my file. 
I spoke again to the medical facility on XX/XX/XXXX and left a message. I received a phone call by the medical facility and was told that they did receive the payment from my health insurance and that they called the debt collector company and also faxed them saying to delete this account it was the medical facility and not my fault. I was told by the debt collector that they cant get into my account because they closed the file.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX  XXXX, XXXX XXXX XXXX and XXXX Resource 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.

Section2. It also States consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX These are fraudulent accounts About 2.9 billion people may have had their personal financial data compromised, a lawsuit alleges. 
" It's not a matter of if, it's a matter of when '' you may be personally affected by a breach, one expert says.

Experts say there's one best step to take to protect your personal data. Criminals have posted on the dark web a database containing data on 2.9 billion people, offering to sell it for {$3.00} million, according to a lawsuit filed in Florida. And according to the XXXX XXXX XXXX The breach, which includes Social Security numbers and other sensitive data, could power a raft of identity theft, one expert says. ( XXXX XXXX / XXXX XXXX )
Product: Mortgage

We are behind in our mortgage. Our loan servicer, SPS ( Select Portfolio Servicing , Inc. ) suggested that we APPLY FOR A LOAN MODIFICATION. As a result on XX/XX/2019, we sent them an email with 78 PAGES OF DOCUMENTATION THAT THEY REQUESTED. On the same day we received an emailed acknowledgment that the documents were received. We have not heard anything from SPS since then. I called them today, and was told that our email WAS RECEIVED BUT NEVER OPENED. Again, we were never notified that there were any problems with our application. So, now, another two and a half weeks have passed. SPS told us that our loan was going to their " legal department '' on XX/XX/XXXX. We were under the illusion all of this time that our modification request would forestall further foreclosure actions. Now we are feeling defenseless. The specific individual I have been working with at SPS is XXXX XXXX. She can be reached at XXXX x XXXX. PLEASE HELP.
Product: Debt collection

XX/XX/2016 A man called from XXXX phishing for my XXXX child 's personal information which included personal health information. He kept pushing for my sons social security number, address, and medical information. Names of relatives, and who his guardian was. I refused to disclose this info. He stated that this bad debt was on my sons credit report.Demanded my sons PII. I later contacted the company after receiving a letter about the debt in question. The have bought and sold my minor childs info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from fraud investigator about somebody trying to borrow {$40000.00} in my name. He gave my SS #, DOB, and Drivers license number. I requested a copy off the license and he sent it to me via e mail. It is a fake with wrong expiration date and a younger man picture. I had received a couple of Banks letters declining my loan application but I had not made any so I ignored them. I contacted Experian and asked for a security freeze. There I found several requests for loans that I had not authorized or made.
Product: Checking or savings account

On XXXX XXXX, 2021 I was reviewing recent transactions on my EPPICard account authorized by XXXX ( XXXX ) for unemployment insurance benefits. I noticed transactions on my account that were out of state and subsequently reversed by EPPICard. As I continued my review I noticed more recent out of state transactions that did not get reversed on XXXX, XXXX These unauthorized transactions were occurring in XXXX, Florida ; XXXX, Georgia ; XXXX, Texas ; XXXX XXXX and XXXX, New Jersey. My debit card remained in my possession and only the numbers were being used. I immediately notified EPPICard of the fraudulent charges on XXXX XXXX, XXXX. The total amount of the charges was {$250.00}. I filled out a fraud packet in a timely manner but the bank claims it was one day late to qualify for a provisional credit. They claim that they received it on XXXX XXXX, XXXX. I received the fraud packet from EPPICard on XXXX, XXXX and EPPICard said I needed to return it within 10 business days from the day of my initial call, which was on XXXX XXXXXXXX XXXX Upon the receipt of the required formal written complaint on XXXX XXXX, XXXX I was informed that I did not qualify for a provisional credit and that they have 90 days to complete their investigation. I have heard nothing in verbal or written form from EPPPICard and it has been 56 days and no provisional credit or response has been given. My understanding from my reading and according to their letter the investigation was to be completed within 45 days not 90. Numerous calls and emails were of no help. I've been hung up on, told they would call me back and never do, and emails never responded too. I need guidance as to how to recover my unemployment benefits that I so desperately need during the COVID-19 pandemic that has shut our country down. I was unable to screenshot my transaction history for XXXX of XXXX. They have not provided any copies of that month 's statement either as of this date which I requested in XXXXXXXX XXXX
Product: Mortgage

Beginning in early XX/XX/2023 I requested via phone to start the process to have my PMI removed. Over 3 months later, it still has not been removed. Caliber 's own process was to get an automated value, which I paid for as soon as instructed. The value came back at {$710000.00}. My balance at the time of the request was {$480000.00}. This yields a loan to value of 67.7 % which is well below the legal requirement of 75 % or less. I had paid 24 months of consecutive on time payments at that time ( and all payments since ). The Homeowner 's Protection Act requires the PMI be removed if requested after 24 months of on-time payments and if at an LTV of 75 % or less. However, Caliber keeps sending me letters saying the value isn't sufficient and they need another appraisal in order to determine if it can be removed.
Product: Credit reporting or other personal consumer reports

The following accounts below are fraudulent i am a victim of identity theft. This is affecting me sooo much even into my personal life. This vehicle doesnt belong to me I am not irresponsible to get a car n pay one month & not the rest of the months. Especially for only 5 months. Please remove this car & inquires from my report. Ive never applied anywhere nor gave any creditor the rights to access my report.
Product: Debt collection

I get repeated calls ( more than 5 a day ) from a company that shows up on my Caller I.D . as " NCO Financial Systems ''. Mind you, I signed up with " XXXX '' which intercepts robocalls. NCO Financial Systems ' calls are robocalls, because the phone only rings once, then stops ( this is how you know it 's a robocall ). But these calls from NCO happen all day, several times a day, and it is annoying. The calls start at XXXX XXXX, even on Sundays! I am tired of these calls ; when I try to put them on my " call block '' list, they just call from another number. The latest number they have called from is:XXXX. I just want these calls to stop!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection for a utility that recently was added to my account. I have no idea what this collection is for so I disputed it. The dispute apparently came back as me owing the debt. I tried to call the phone number for the company listed as holding the collection account. The company name is XXXX XXXX. When I called the line it was some new company called XXXX XXXX  XXXX XXXX. They said they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The number I called was XXXX. When someone answered they said the company phone number had been changed and they are a new company offering me a {$100.00} voucher when I provide them some additional information. They said they would not give me the new number to find out about my debt unless I gave them this information. I said I did not want to sign up for anything and only wanted to speak with someone to find out more about my supposed debt. They kept saying the same thing over and over about how I had to give them my info and they would give me the new number after. When I threatened to call the consumer protection bureau she gave me a number and when I called it was a general XXXX info line. This account is being reported on my credit but I dont know what it is and there is no way for me to remedy or clear this from my credit report. It seems unconscionable and probably illegal to refuse to let someone even discuss a bill unless they sign up for more things.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The XXXX and TRANSUNION credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct 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
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX**** ; XXXX  XXXX XXXX**** ; XXXX XXXX XXXX**** ; XXXX ( Original Creditor : 11 XXXX   XXXX ) XXXX**** ;
Product: Credit reporting or other personal consumer reports

Hi, Im authorizing this complaint on my own behalf. I am writing to express my extreme frustration with the lack of response FROM XXXX regarding my report investigation into discrepancies on my credit report. I cant believe you guys are taking advantage of me. I AM VERY UPSET. The credit bureaus have not responded back to me about my investigation. I sent a letter and it has been more than 60 days outlining the issues.. I need these accounts deleted. These are the items Im demanding to be deleted immediately : - XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX Account Name : XXXX  XXXX Account XXXX XXXX OF XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX - XXXX Inquiry XXXX CO XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding inaccurate accounts and information was submitted on XX/XX/2024, and I have not yet received a response.