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

I had several accounts with XXXX XXXX back from XXXX to XXXX. Unfortunately, I became ill in XXXX and was unable to meet my credit obligations. I did inform XXXX XXXX of this. Ultimately my accounts were closed and charged off. When I was able to return to work and in the process of repaying my credit obligations I made contact with XXXX XXXX and informed them I would like to repay any outstanding balances owed on my accounts. They were all too happy to hear this. All the accounts were repaid in full to their internal collection department. When I was setting up the repayments I made it crystal clear that once the obligations had been repaid ; the accounts would report to the credit agencies as paid in full and closed. No, write off, no charge off. Well in true XXXX XXXX fashion they did not do what they agreed to and on all three credit reporting agencies, it reports as negative and continues to report as a negative month. I view this as a punitive action on the part of XXXX XXXX, they had been repaid and didn't suffer any loss on these credit cards yet they have a long-standing history of sticking it to a consumer who falls behind. I have disputed these accounts with Experian, XXXX, and XXXX XXXX several times to no avail and now seek help from the CFPB to correct the misgivings of this large and powerful company.
Product: Credit card

XXXXXXXX XXXXXXXX XXXX/comenity bank. 
Balance on my credit XXXX  inaccurate. 
Balance is all finance late fees Purchased & paid XXXX for XXXX that was never received. I XXXX  for it because the woman i spoke to originally told me to pay the XXXX & they will look into situation & resend. Well they did not & they keep sending me rediculous statements every month by adding more late fees, This is creating a bad mark on my credit history. 
Everybody i speak to XXXX  XXXX  bank Are useless. They say will take care of my problem but they do nothing.
Product: Debt collection

The same numbers which all come back to the debt collection agency Rash Curtis & Associates call me approximately 6-8 times a day. When I do answer there is nobody on the line, sometimes there is a recording requesting me to call back. There voice messages which typically last 2-3 seconds have no information and just clog up my voicemail box. This is very frustrating and feels like harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX Account # XXXX XXXX XXXX XXXX - XXXX Balance {$7300.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$5400.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$3000.00}, XXXX XXXX XXXX XXXX - XXXX Balance {$2900.00}, XXXX - XXXX Charge off {$500.00}, XXXX  XXXX XXXX XXXX XXXX Charge Off {$990.00}, XXXX - XXXX Charge Off {$690.00}, XXXX XXXX  - XXXX Past Due {$160.00}, XXXX - XXXX Charge Off {$350.00}, XXXX  - XXXX Paid Charge Off {$8100.00}, XXXX XXXX - XXXX Charge Off {$920.00}, XXXX - XXXX Past Due {$920.00} XXXX XXXX XXXX - XXXX Balance {$160.00}, XXXX XXXXXXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$40.00} XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 602 A. It also state a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

It has been over XXXX days and XXXX, XXXX, Equifax has not produced result of deletion of negative items
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the accounts that are erroneous in my file and need investigation : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

I have been trying to get a loan modification from Select Portfolio Servicing for 4 years. At one point, they did send me a letter stating they had all the documents but then ended up starting another application. My financial hardship began with the loss of my job, terminal illness of my husband and just got worse. I stayed in contact the whole time with SPS and it was always the same response - they did n't receive all of the documents. At one point my application got caught up because they insisted I send in a copy of my cashed XXXX check. This would have to be obtained from the US Treasury and is impossible to get. They have ignored my requests and I submitted a loan modification offer. After submitting this offer, I was confused as to which modification application we 'd be working off of and knew they could not proceed with both as it would be dual tracking. Due to this and the XXXX this has all caused me, I was working on the documents needed. In the meantime, the foreclosure was not cancelled - again, dual tracking. With the foreclosure scheduled, SPS had no intention of ever giving me any type of modification and is now trying to foreclose illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my credit report. Account statues is incorrect. Student loans are showing inaccurate.
Product: Checking or savings account

I received at statement from Wellsfargo on XX/XX/2022. I never bank with this bank. I called today XX/XX/2022 with no help. So I will be going to the bank on Thursday XX/XX/2022. If no help I will get a police report.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I asked for debt validation, they refused. Inaccurately reporting on credit bureaus for a debt that is not mine. This was removed years ago due to identity theft from another collection agency trying to collect this as well. This company is a a junk debt collector and they are inaccurately reporting and will not provide any validation proof. They are also making threatening and harassing phone calls to me, my family and employer.
Product: Debt collection

My vehicle was involved in a flood a natural disaster. I had my vehicle financed. I had insurance as well as gap insurance. I was told by Credit Acceptance on 2 separate occasions that nothing would be owed on my end only to for them to mark me as late on a debt that was supposed to be cleared. They mark me late every month on loan that I know longer have and it has literally killed my credit. They have not closed the loan out at all like they should have and it has been over a year now.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Spselect Portfolio Servicing is refusing a payment from the Federal and Texas CARES act to bring my defaulted mortgage current. 

I have been working with XXXX since XX/XX/XXXX and their CARES Act program to bring my default mortgage to date. The money is there. SPS  says they don't like the legal language in the Mortgage XXXX. 

I have lived in this house since XXXX, am a widow and am raising a XXXX XXXX XXXX grandchild. XXXX.. .wiped me out. I have been XXXX XXXX for many years and was keeping my nose above water after my husband passed away in XXXX of XXXX. He left us penniless and with an IRS debt of over $ XXXX. The IRS doesn't care that he was sick and stupid even though through his entire life? He paid taxes like clockwork. 

I have applied, applied and applied with XXXX. who is managing XXXX Texas counties. I have been accepted.. .but SPS Servicing is throwing a XXXX  into the machinery of receiving federal funds to get me out of trouble and keep me and my grandchild in our home. 

SPServicing should be investigated. They promised me ( via phone ) that my forbearance payments would be tacked onto the end of my mortgage. I do not have that in writing... simply words from some clerk doing work from their home in the height of COVID. 

Then... they demanded a full payment.... I am legal now, waiting to be foreclosed on. I have tired everything in my power to get federal help under CARE and it looks like that was going to work until SPServicing 's legal department threw everything out and said they wouldn't sign FEDERAL documents. 

Is this fair? What am I supposed to do? 

The IRS has a lien against this property. 

I owe $ XXXX against a home in very poor repair. My upstairs XXXX XXXX is on the fritze. Parts are falling off the house. Many repairs are needed. 

But.. I live in Social Security and Child Support.. which I just started receiving two years ago. Had to take my son to court to receive child support. Have had his child since she was XXXX years old. She will be XXXX on the XXXX of XXXX. 

I am old. XXXX. I am lost. I am about to lose my house because I TRUSTED SPSERVICING. 

They are XXXX XXXX XXXX. Nothing they told me on the phone? Is truth. 

XXXX XXXX XXXX
Product: Credit card

We opened the account on with Capital One in XXXX of XXXX based on promotional materials we reviewed. 

On XX/XX/XXXX, our statement balance was paid in full, as well as some of the current billing cycle balance. 

On XX/XX/XXXX, we noticed our XX/XX/XXXX payment had still not been applied even though the funds had cleared our bank account. Per the terms of the monthly statement, it states that we will receive credit for a mobile payment " as of the business day we receive it, as long as it is made by XXXX XXXX ET ''. In this case we made the payment well before XXXX XXXX XXXX and according to the terms of the monthly statement, we should have been credited that day. 

On XX/XX/XXXX, at XXXX XXXX I spoke with customer service about the issue. I was told for the first time that all payments we make in excess of {$300.00} will receive a XXXX hold. Which is literally every payment one would make on this credit card. There is nothing in the Credit Agreement, our monthly Credit Statement, or promotional materials we received from Capital One that discloses this. Had we known this, we would have not have applied for their credit card.
Product: Debt collection

the accounts were closed 3 years again and they are reporting it as if it is new
Product: Student loan

I 've taken a closer look into my student loan breakdown of payments and am absolutely devastated to find that out of the {$20000.00} that I 've paid over the last few fews, ONLY {$2100.00} has gone to paying down the principal and the remainder {$18000.00} has gone to paying Interest Rate Payments. In the last year, my monthly payments breakdown with only 20 % -30 % of my payment going to bringing down my principal. <P/>I called Navient and the customer service rep explained that I have a " daily interest rate ''. At no point has Navient explained or told me about this " daily interest rate ''. The customer service rep could not explain why or the breakdown of my interest rate payments and did not provide me any viable solutions or satisfactory explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX for a quote on in XXXX of XXXX. The agent put me on a plan that I did not want, months later they sent me a collections notice for the insurance, that I did not want. 
I got ahold of a manager in XXXX of XXXX and explained what happened and they said that it was a mistake and their part and will get ahold of collections. As of XX/XX/XXXX it shows I still owed {$4.00} to the collections. I called XXXX to discuss what happened they transferred me to the collections agency and the collections said they had no record of me owing anything. I tried telling XXXX what they had said and automatically transferred me to collections and said there is nothing more they can do. I have been dealing with collections, that is affecting my credit for over 2 months now.
Product: Credit card or prepaid card

I filed a complaint with you XXXX The XXXX ( bank ) took further action that was not included in my complaint. 

The bank did not explain or respond to my concern about their additional action.
Product: Mortgage

I received a letter dated XX/XX/XXXX marking erroneous dates that implied a non payment of fees on my payment history. I have therefore acquired a payment history from XXXX XXXX that I am submitting. XXXX XXXX is the carrier of all of the funds paid to then XXXX. I have also again submitted the payment history of Select Portfolio Servicing , Inc. to accurately compare to the payment history of XXXX XXXX Quick pay, the carrier of funds to Select Portfolio Servicing , Inc . 
All of these official documents will prove that according to the dates, Select Portfolio Servicing , Inc. has with intentional neglect placed me in an erroneous delinquent status and has purposely acted on this erroneous status. 
What the attached documents prove, as submitted, that I have not missed one payment with Select Portfolio Servicing , Inc. and have paid all requested funds of payment, even going into the transfer of my account to said agency. 
So why does Select Portfolio Servicing , Inc. show my account with them delinquent over 3 months? 
In summary : XXXX XXXX ( to XXXX ) XX/XX/XXXX {$950.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$940.00} XX/XX/XXXX payment ... ... ... ... 
XXXX XX/XX/XXXX {$950.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$920.00} ... ... ... ... 
XXXX XXXX Quick Collect ( to Select Portfolio Servicing , Inc. ) XX/XX/XXXX - {$630.00} ( {$280.00} left in unapplied funds were transferred ) All documents are legal entities. I therefore request that my account be cleared of any and all delinquent status and updated to reflect a current status. I have not missed any payments with Select Portfolio Servicing , Inc. even at the transfer of my account to your agency. Please email and mail correct document to me at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Sincerely, XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Final XXXX Notice Before Legal Action Consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX notice of multiple documented violations of the Fair Credit Reporting Act ( FCRA ) concerning my credit profile. 
The following discrepancies have been identified : Credit Profile Discrepancies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$56000.00} difference ) Total Accounts : XXXX XXXX XXXX XXXX XXXX account difference ) Derogatory Marks : XXXX vs XXXX ( XXXX difference ) Account-Specific Violations ( {$1000.00} each ) XXXX. XXXX XXXX XXXX XXXX ( {$40000.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Inconsistent loan terms ( XXXX XXXX XXXX months ) XXXX. Different last payment dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. XXXX XXXX ( {$2300.00} ) XXXX. Missing payment history XXXX. Different account numbers ( XXXX ) XXXX. Inconsistent charge-off dates XXXX. XXXX XXXX XXXX ( {$5600.00} ) XXXX. Different account numbers ( XXXX vs XXXX ) XXXX. Varying payment histories XXXX. Inconsistent original balance reporting XXXX. XXXX XXXX ( {$6100.00} ) XXXX. Different past due amounts ( {$3200.00} vs {$2400.00} ) XXXX. Inconsistent account types XXXX. Different opening dates ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$2200.00} ) XXXX. Different opening dates ( XX/XX/XXXX vs XX/XX/XXXX ) XXXX. Inconsistent payment histories XXXX. Varying charge-off sequences FCRA Violations Summary XXXX. Accuracy Failures ( 1681e ( b ) ) Inconsistent balance reporting Different account statuses Varying payment histories 2. Investigation Failures ( 1681i ( a ) ) Failed to properly investigate disputes ( XXXX ) No response to written disputes Failed to update information after disputes XXXX. Joint Notification System Failure ( 1681b ( e ) ( 6 ) ) Failed to maintain consistent reporting across bureaus Different personal information reported Inconsistent account details Total FCRA Violations : XXXX Total Statutory Damages : {$15000.00} Due to the extended period of non-compliance and multiple unsuccessful dispute attempts over the past year, you are hereby given 5 days from the date of this letter to : Correct all inaccurate information identified above Provide written confirmation of the corrections made Compensate the statutory damages of {$15000.00} I. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXX XXXX. XX/XX/XXXX CFPB Complaint Number # XXXX IV. XX/XX/XXXX CFPB Complaint Number # XXXX V. XX/XX/XXXX CFPB Complaint Number # XXXX This abbreviated timeline is justified by : XXXX. XXXX year of failed dispute attempts XXXX. Continued reporting of inaccurate information XXXX. Multiple unresolved FCRA violations XXXX. Significant financial harm caused
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block. Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cost significant inconvenience and financial loss and I seek appropriate redress for those violations.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via bank wire and through an intermediary named XXXX and XXXX in the total amount of XXXX USD utilizing Wells Fargo services.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 6 months ago I pulled my credit report and noticed numerous accounts on my credit report that I did not recognize. These accounts do not belong to me. I submitted letters to the credit bureaus and the creditors that appeared on my credit report requesting information that the accounts belonged to me when they were opened etc. No responses. I then started directly sending certified letters to all three credit bureaus advising that the information is not mine and requested it to removed and requested response from them. The accounts there were in question are ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX   The most recent letters that went out with no response was on XX/XX/2018. For Experian the tracking # is XXXX XXXX tracking # XXXX and XXXX tracking XXXX. In the letters that were sent, I advised that they have 30 days to respond or remove before I file a complaint. I received no response from any of the bureaus. I then submitted a second letter on XXXX tracking XXXX XXXX XXXX  tracking XXXX XXXX and Experian tracking : XXXX. To this day I have not received any responses from either of the 3 credit bureaus and these accounts remain on the credit report and negatively impacting my credit.
Product: Debt collection

I am writing in response to your letter dated XX/XX/year>, in which you assert ownership of two accounts previously issued by XXXX XXXX XXXX XXXX and detail the balances and reporting history of these accounts. While I acknowledge your statement that XXXX has acquired these accounts, I must address several important issues that remain unresolved. 
Cease and Desist Request Violation : As per my previous correspondence dated XX/XX/year>, I explicitly requested that XXXX cease all communications with me regarding this alleged debt. Your response demonstrates that XXXX has failed to honor my request, as evidenced by your continued reporting of these accounts and personal information to third parties, including credit reporting agencies. 
Under the FDCPA, once I have requested that a debt collector cease communication with me, further contact is prohibited except for certain instances, such as informing me of legal action. This continued communication, including reporting to credit bureaus, constitutes a violation of my rights under 15 U.S.C. 1692c ( c ), which mandates that no further contact be made once a cease and desist request has been issued. 
Debt Validation : While you provided some account details, the information supplied is insufficient for me to verify the debt. Please be reminded that under the FDCPA, I am entitled to request proper validation of the debt. Although you mention that debt validation will be sent to my address, I request that you immediately send me full documentation of the debt, including the original account agreement, the chain of title showing the transfer of the debt to XXXX, and any other documents that substantiate your claim. 
Inaccurate Reporting : If XXXX continues to report this debt to credit bureaus, please be aware that you must report accurate and complete information. Any attempt to report this debt to third parties without proper verification of the debt may lead to

further violations under 15 U.S.C. 1692e and 1692f, which prohibit false or misleading representations and unfair practices. Given these ongoing issues, I demand the following actions : Immediate cessation of all communications related to these accounts, including any reporting of the debt to credit bureaus, as required by law. 
Full debt validation for both accounts, as outlined above. 
Written confirmation from XXXX that no further communication or reporting will occur until the validation is provided, and that all necessary corrections are made to any credit reports. 
If XXXX continues to ignore my rights under the FDCPA and does not cease and desist from these unlawful actions, I will have no choice but to file complaints with the CFPB, the FTC, and my states Attorney General. I will also consider pursuing legal action to seek damages for any violations. 
Please consider this a formal notice that I expect a resolution to this matter within 10 days from the date of this letter. 
Sincerely, XXXX XXXX