23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage companys name is BSI financial services. Since they took over our account, we havent got our payments updated on time. We like to send our check with the payment two weeks before but they would supposedly only get it after the due date had passed. Thats a lie and as far as Im aware mail does not take more than 4 days to be delivered. In XXXX of XXXX  they said they got our payment after the due date so instead we had to pay an overdue amount in XXXX. Then BSI said in XXXX they didnt get a check at all from us after we mailed it to them so we had to call our bank to stop the payment on that check. We then made a payment over the phone for XXXX and XXXX together since they did not receive the XXXX one prior. It was not applied to our payment and we had no idea until we got a phone call 2 weeks later that they had never received our payment. Aside from our payment issues, my wifes name is completely wrong on the paper work ; Totally WRONG. We keep calling to ask them to fix the problem but they seem to be a very unorganized company because they never know what is going on. Now, we got our XXXX statement and the name of my wife is still wrong. I called again after calling 3 times this month and left messages to get a call back and it seems like nobody cares to call me back and assist me. I just want to be able to pay my mortgage and avoid late fees or damages on my credit record.
Product: Mortgage

In XX/XX/XXXX I went through a divorce and applied for a loan modification through Bank of America. They required my ex-spouses signature on the application in addition to the quit claim deed and divorce court order. It came to my attention this XX/XX/XXXX that I have not been receiving mortgage statements from B of A and I did not receive my interest statement for tax filing purposes. I called B of A and was told that my former spouse called them in XX/XX/XXXX and requested an address change. When I asked them how they could change an address and not inform me I was told that he is the primary on the loan and they had no obligation to inform me. As a result of the change of address B of A discontinued mailings to me. Therefore I was unaware of an increase of XXXX in my mortgage and was issued a late fee. I have made several requests for XXXX XXXX to be removed from the loan and have been told I must go through assumptions and re-qualify and pay approximately {$1500.00} for this process. I believe I am and was discriminated against as a female in the application process as I was gainfully employed at the time of the modification and thought I was assuming the loan at that time. I do not understand why XXXX XXXX, who was was divorced from had to stay on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To Whom It May Concern Re : Account # 's XXXX re : last 4 of SS # XXXX re : FTC report # XXXX Please be advised in my previous letters to you, dated XX/XX/XXXX, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA XXXX, and it was NOT a dispute under the provisions of FCRA 611. The accounts were opened thru fraud. I did not benefit from this fraud. I identified the person that I believe committed this crime against me, but XXXX XXXX did not try to pursue this person of interest, or even try to protect my creditworthiness from fraud. 

This identity theft affidavit, along with other identifying information was sent to XXXX XXXX, XXXX, and Experian on this date. XXXX XXXX, stated that they had performed an investigation on thi

s matter, but failed to provide any discovery of information as to why they refused to follow Federal Law. XXXX XXXX and Experian, refused and failed to block these accounts per the FCRA. Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Federal Law, was ignored by both XXXX XXXX and XXXX  and Experian. 

XXXX  XXXX turned these accounts for collection over to the law firm XXXX XXXX XXXX. 
The law firm filed lawsuits against me for collection, and won default judgments for XXXX XXXX. 


XXXX  XXXX, is still sending credit report updates on these accounts to the credit bureaus on a monthly basis and the credit bureaus are updating these accounts. XXXX XXXX and XXXX  are ruining my stellar credit rating, by posting this information. 

The law is very clear as to the civil liability and the remedy available to me if XXXX XXXX and XXXX  fail to comply to Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. 

I appreciate your prompt attention to this matter. 

Sincere regards XXXX XXXX XXXX : FTC Identity Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an inaccurate account on my credit report. I do not have a debt or any relationship with this company. My credit report states that the agency name is Rec Mgt Grp which I have no recollection of either. I am asking for an investigation into this account because I was involved in a data breach and my information was compromised. Please send me the original contract bearing my signature, a copy of my photo id and ssc, proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties, and provide me of the amount of which the debt was purchased. Per the CFPB, I have this right as a consumer. If you can not provide all of the listed items, then permanently remove this account from my credit report. I am demanding that this account is removed to reflect my true creditworthiness while the investigation is being done.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

I have attached an FTC report with 4 fraudulent accounts and inquiries I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot inquiries on my credit report, I sent I called Equifax about 8 times over the last XXXX months about these inquiries. I sent in my FTC report to them along with my identification as requested. Every time i call and follow up about the inquiries they tell me they don't have any documentation on file for me. I am fed up with the XXXX that they are pulling! They are not intentionally keeping these items on my credit report to continue to make money off of these negative remarks while i'm over here being abused and getting denied for thousands of dollars in credit. I asked for an investigation to be launched to find out what is happening to my documents that I am sending them and they tell me they don't have access to the back office to look for it. What XXXX back office? How the XXXX can someone add these things to my report with no problem but when i call they give me the hardest time about my XXXX. I spoke to XXXX XXXX ID XXXX the department supervisor and he states that there is no other way for them to assist me without a FTC Report on file. He also stated that he can not investigate what happened to my documents and that the FCRA requires the FTC report in order for them to delete the inquiries which is a XXXX XXXX lie. There is no way that they did not receive not XXXX of my XXXX copies of my FTC report! Are they throwing them out? is this a tactic to continue to prey on consumers that work hard to make a living?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted 9 disputes online and one on the phone. My student loan debit is over years old and was charged off. They recently changed the account status in XXXX preventing me from buying my home. I requested for them to remove the items they have not removed at all and keeps closing my dispute
Product: Debt collection

I have asked SLS to verify debt they failed multiple times. They have been unprofessional and rude over the phone sending piles of letters to both my parents who are not on the property title. Threatening to foreclosure on my property they have filed a lien with the county against my property. My first mortgage and the owner of my mortgage XXXX XXXX said they are a scam and not to pay them. I only have one mortgage and is with XXXX XXXX XXXX I am current. I dont know what this mortgage company SLS is talking about. They claim is a second mortgage HEloc. Last I knew about this was back in 2012 when XXXX formally known as XXXX charge off this debt later I asked them to send me the XXXX which they did. So why is SLS trying to collect a charge off debt? And why are they sending me statements with different amounts owed? Please help SLS said they have started the pre-foreclosure process. I contacted my current servicer and mortagage owner ( XXXX XXXX ) but they said they are un aware of the foreclosure cause SLS has not notified either of them. Doesnt the first mortgage have a right to know this is happening?
Product: Credit reporting or other personal consumer reports

I have pulled my report and there are many inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items to be disputed : XXXX XXXX XXXX AV XXXX, CT XXXX XXXX XXXX PARK AV XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$490.00} XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00}
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me XXXX XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these items reporting to my credit report
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On ( XXXX, XXXX XXXX ) I sent a letter to Equifax notifying them of the reinsertion of XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending a letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Equifaxs actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolved this matter directly with Equifax, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 
1. XXXX XXXX XXXX XXXX with account # XXXX 2. XXXX XXXX XXXX with account # XXXX 3. XXXX XXXX with account # XXXX 4. XXXX XXXX XXXX XXXX XXXX with account # XXXX 5. XXXX XXXX XXXX XXXX with account # XXXX 6. XXXX with account # 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 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

Received an alert from Equifax on XXXX-17 that XXXX was removed and then reinserted at the same time dropping my credit score XXXX points.I have been disputing this account for months. I have no contract with this company.
Product: Money transfer, virtual currency, or money service

I used XXXX XXXX to transfer approx XXXX XXXX coin to Binance Us. Approx value at the time of Transaction XX/XX/2021 $ XXXX. The funds never showed up on BinanceUS wallet I was able to confirm the transaction was successful from the sender. I have email the customer service in excess of 20 times opening up tickets the return to my email immediately saying resolved, but no action has been taken. Need help please to resolve.
Product: Checking or savings account

I received my state of Michigan tax refund on XX/XX/XXXX for the amount of {$1600.00}. I went to my bank Huntington to deposit it on XX/XX/XXXX. Well I just discovered that they are holding it 5 days before the funds are available. I have outstanding checks out there and this bank is playing games. This is unacceptable and unethical. Their reason is they want to make sure it clears. So they are telling me a check from the state of Michigan is bad? I am also filing a complaint with my states attorney general as well.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX  XXXX XX/XX/2018 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2  COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate disputes regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under this law, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes inaccurate or incomplete information. 

Despite my repeated disputes, supported by documentation, Equifax has either failed to conduct a reasonable investigation or has improperly verified incorrect information without adequately reviewing my evidence. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers of information must investigate disputes forwarded by credit bureaus, but Equifax has failed to ensure compliance with this requirement. Their continued negligence is harming my credit standing and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XX/XX/XXXX I was with XX/XX/XXXX for home dsl service. I moved in XXXX and left owing no bill. By the time I got settled, able to take off work, and instructions on where to send the equipment back to covid happened and I couldn't go to the post office to send them back. On XX/XX/XXXX I received a hit on my credit from receivables performance. Then on XX/XX/XXXX I received ANOTHER hit on my credit from enhanced recovery company saying I owed XXXX for XXXX XXXX XXXX and they said it was equipment charges for failure to return. Both collection companies were claiming I owed for the same thing. I paid enhanced recovery company in full XXXX on XX/XX/XXXX. I have a letter from them confirming I paid in full. I forwarded that letter to XXXX XXXX a rep for receivables performance on XX/XX/XXXX and she responded back saying she wasn't finding anything with the information. I then responded back with other identifiers and never heard another word until today XX/XX/XXXX when a company called XXXX reported the same XXXX that I was disputing with receivables performance on my credit as a bad debt. When I called them they immediately opened a dispute and investigation. I then called receivables performance back and spoke to a manager that said that XX/XX/XXXX XXXX had closed the account with them as unpaid. They further told me that XXXX XXXX XXXX told them that I had two accounts that I owed for equipment which i only had one account.. Yet both XX/XX/XXXX and receivables performance are reporting the same debt negative on me. I called XX/XX/XXXX today and they can't even find the information because they misspelled my name on my account, another issue I had with them correcting and I had service for a while. I have emails, letter copies, numbers and addresses for all of these companies involved.XX/XX/XXXX has correctly reported this as paid in full so they're not the issue.
Product: Debt collection

I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC .
Product: Mortgage

I started a XXXX  XXXX with XXXX XXXX in XXXX and we converted to a XXXX XXXX so I could apply for a loan modification and was referred to XXXX  to assist me in helping with the loan modification. All the documents were sent to my mortgage company ( SPS SERVICING ) from XXXX for the loan modifications originally in XXXX. then SPS state missing docs & I uploaded, then SPS said was blank, then resubmitted the loan modification app and never knew or addressed by SPS that they received the application from XXXX in XXXX who was assisting me with the loan modification. XXXX did their part and no complaints on them or XXXX XXXX. My complaint is with SPS mortgage. I received my denial letter for the loan modification dated XX/XX/XXXX. 

Loss Mitigation Program Decision After careful review of your account, we find that there are no home retention loss mitigation options for which you are approved. Review parameters and details are provided below. 
Please note, " INCOME WAS NEITHER REQUIRED NOR CONSIDERED AS PART OF OUR EVALUATION ''. I don't know why income was not required. DID THEY EVEN REVIEW THE ORIGINAL LOAN DOCS SUBMITTED IN XXXX BY XXXX. 

I also signed up in XX/XX/XXXX for the Covid 19 relief for 3 months and granted but that will be up in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the " Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Sec 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.