23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am beside myself at how horrific SPS has mishandled my loan assumption request. The mortgage with SPS was in my father and mother 's name ( XXXX XXXX XXXX and XXXX XXXX ). They both passed away when in the process of doing a loan modification. After their passing, the law firm I hired has helped me apply for a loan assumption so I can assume the loan of my parents and keep the family home. 

The law firm told me that this is by far the worst mishandling of a file that they have seen in the past 10 years. On XX/XX/, a complete Successor in Interest package was submitted to SPS. We later found out that they never did anything with the documents or update the file to show me as the Success or Interest. A new loan assumption package was submitted on XX/XX/XXXX  with all of the same information, but with updated documents to ensure the package was complete. From this point, I could go on forever about how many times the law firm followed up to find out that they claimed the XXXX form was blank that they received. They had over 10 managers involved who pulled the emails and confirmed the XXXX was all correct and not blank. Yet, they continued to ask for documents they already had and we had to continue fighting a battle that never should have happened. The managers at SPS openly admit that their system automatically uploads the documents into the system which clearly caused an unacceptable delay when they had the Successor in Interest documents back in XXXX of XXXX  and a complete financial package on XX/XX/. 

It literally took almost 3 and a half months of them making mistakes, requesting documents they already had on file, delaying reviewing the file timely before we received a letter stating the application was complete. The major issue I have that is not acceptable on any level is that due to their major delays, which were 100 % on their end, they ordered the sale on my home and it is now set for XX/XX/! 

First, the sale NEVER should have been ordered to begin with as the only reason the file wasn't deemed complete back in late XXXX or early XXXX is completely the fault of SPS. It's truly at the point that it looks intentional and unethical at the highest level. Over 10 managers had reviewed and confirmed SPS 's mistakes and said they would get it corrected over the past 3 and a half months but never did they actually do anything to fix the issue to ensure the file was deemed complete. 

In the complete assistance application review letter that I have attached from SPS, they clearly outline that they will advise their attorney to postpone or cancel the sale date while the file is in review. Yet, when the law firm continues to request that the sale date be postponed or withdrawn, they won't do it. This is completely unethical and the sale date needs to be cancelled immediately! 

Lastly, the law firm received another letter today requesting additional information. It never ends as they just keep screwing up! My law firm clarified the question they had today so they can't try to claim they don't have everything they have requested and continue to request.
Product: Mortgage

We received a past due notice on XX/XX/XXXX from XXXX County Tax Assessors office stating that our XXXX taxes were not paid. We reviewed our escrow account through our on-line account with Shellpoint Mortgage and noticed that the taxes for XXXX had not been paid by Shellpoint Mortgage. I then called Shellpoint Mortgage Escrow Dept on XX/XX/XXXX to inquire about this delinquency and spoke with a representative. The rep stated that the tax bill had been " overlooked '' and that she would put in a request to have it paid. She stated that it should take approx 7-10 business days to process the request and to follow up the next week. I in turn called the County Tax Assessors to let them know. I followed up with Shellpoint Mortgage Escrow Dept today, XX/XX/XXXX and spoke to another representative. She just told me that the company was still " processing '' the request. When I asked about penalties and the delinquency reported to my credit report, she just said that Shellpoint would take care of the penalties and that I would just have to dispute the charges against any credit bureaus. I asked if I could get all of this in writing, but she said no, that all she could do was verbally tell me. I asked the rep several times to speak to someone that could give me more detailed information on how this happened and to expedite the request, but she said there was no one else I could speak to. I am very disappointed in the way that this has been handled and that I will suffer the consequences due to this company 's negligence.
Product: Debt collection

I am filing an official complaint against the following business : Credit Collection Services ( CCS ), XXXX XXXX XXXX, XXXX XXXX  ( XXXX XXXX XXXX  ) The reason for the complaint is : continued attempts to collect an alleged debt, and reported this alleged debt to credit bureaus, while having failed to honor my written request for validation of said debt. Most notably, they have failed to produce any documentation that I owed this debt at any point, such as a contract signed by me for a service previously rendered for a specified period. For the record, I assert that this claim of debt is entirely fraudulent, as such a document with my legitimate signature on it does not exist. I have attached the following pages for your review : on which I indicated my wish to dispute the debt. This was mailed back to XXXX and XXXX via certified mail in the same envelope as my debt verification request letter on XXXX. -Copy of the debt verification letter I mailed to XXXX  and XXXX  via certified mail on XXXX -Copy of certified mail return receipt, proving that XXXX and XXXX received my debt verification letter on XXXX
Product: Debt collection

I have fake numbers, addresses, names on my credit report. I owed collections and had it removed off my report. A credit agency falsely put money on my report a agency went out of business was bought by another one and moved my credit over to the new company Portfolio Recovery with out my permission they also put an address on my report that made it hard to remove with a dollar amount, I never lived at the address. I found out checking my report on my free time. Someone tried to get my information threw my Landlord saying I owe a fake bill since I had the money removed from my report.
Product: Credit reporting or other personal consumer reports

My problem is with the credit bureau, Equifax and XXXX. I think they are messing with me for some reason. There is no reason for my credit score to jump anywhere from XXXX to XXXX points in one month. The reasons they give are ridiculous. I wish I could send copies of my reports. For instance in XXXX they lowered my score XXXX points because XXXX XXXX XXXX increased my credit limit from {$1800.00} to {$3000.00}. Yesterday XXXX lowered my score by XXXX points because I paid a credit card down from {$300.00} to {$0.00} then says " nice work your credit card usage is under 10 % ''. That don't make sense. In XXXX they lowered it XXXX points because I paid off a loan from {$820.00} to {$0.00}. 
Equifax lowered my score by XXXX points because an account I had with XXXX is being reported wrong. I closed that account over 7 years ago. As a matter of fact, I have not missed a payment or been late on any payment on any account in over 7 years. In XXXX Equifax lowered my score by XXXX points because XXXX increased my credit limit from {$1000.00} to {$1500.00} and my XXXX XXXX credit card I paid down from {$260.00} to {$0.00}. This has been going on for quite some time. It bounces back most of the time, but for XXXX  reasons. I would just like someone to check and see if they can't incorporate some kind of standard. I never know what my score is going to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX were all supposed to send free credit reports to me! 
Equifax sent my credit report with A WRONG FIRST NAME ON THE ENVELOPE! 
The Letter was opened by another person in my family who has the same last name as me! 
Of course - sending out people 's confidential financial documents with wrong first names is a wrong thing to do! 
For a lot of reasons! 
For other people - it could have been a lot worse! 
XXXX XXXX XXXX XXXXreports have still NOT arrived!
Product: Money transfer, virtual currency, or money service

Data from XXXX and XXXX Account Grain Technology Inc ( Grain Techno ) I dont recognize this account at all. This account is fraud. I have disputed this account 2 times through XXXX and XXXX. Both of companies said information is accurate but it is incorrect. I lost my wallet. I check my credit reports to see if there is any incorrect information recently. Then I dispute the incorrect information on the credit reports. I called XXXX and XXXX I spoke to the reps to file another dispute for a fraudulent account on my credit reports again. Please help me to get this issue resolved.
Product: Credit reporting or other personal consumer reports

I have been reaching out to these companys regareting me being a victim of Identity theft and they have not helped me. I have wrote letters regarding these accounts to get removed off my credit report. I have not been able to get any response or help.
Product: Checking or savings account

I tried to dispute unauthorized Transactions from Wells Fargo and they still denied my claim saying they did not detect fraud and clearly there was fraud done on my account
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$9300.00}
Product: Bank account or service

PNC banking institution used questionable tactics over customer service telephone services in order to mislead me into believing that a fee would be removed/waived. They never provided preventive resolutions on the issue until I filed an internal complaint and was futher escalated.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- | 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted Transunion. 

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

On my XXXX XXXX account there is a reference to an old Discover card account that indicates it is " active ''. I contacted Discover card services in Delaware, spoke to a representative named XXXX, gave him the account last 4 numbers, and was informed that I had no active account with them, and that their records did n't go back further to identify me or my wife as a card holder. Which is interesting since this account shows I have a {$3900.00} balance. Since I ma quite certain that I do not use, nor intend to ever use Discover in the future I 'd like to get this information corrected.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  **** Balance Owed : {$150.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$580.00} ; XXXX XXXX  XXXX **** Balance Owed : {$230.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$300.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX  ) XXXX Balance Owed : {$150.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  ) XXXX Balance Owed : {$1800.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting

Upon receiving my credit report from all XXXX Agencies I found that TransUnion was the only XXXX to have my former foreclosed property from XXXX on my report. I put in an online dispute but after more than 30 days of not receiving a response I called. When I gave them the needed information to verify my reason for calling she stated that she could not see my dispute. She informed me that she could see that XXXX has me CURRENT : PAID or PAID AS AGREES. I informed her that I foreclosed on that home in XXXX and moved out XXXX XXXX. I sent in all needed verifications including the complete credit report with XXXX circled, proof of the sherif sale that the XXXX XXXX XXXX stapled to the home and all of the notices that several credit Agencies sent to me. I sent all of this certified mail, return receipt request XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX I receive a letter from TransUnion stating " Base on the information provided to TransUnion, our records show that the information you disputed does not currently appear on your TransUnion report. XXXX the post office tells me that the zip code for them online is wrong, and it is. XXXX I was told that they could not find my online dispute, that I know for a fact I did on XXXX XXXX, XXXX and now they are saying that XXXX {$68000.00} is not on my credit report when I am looking at it right now. It clearly states that the last payment made was XXXX/XXXX/XXXX but update XXXX/XXXX/XXXX. So on XXXX XXXX it was seen by their employee but now it 's gone, per TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a dispute on a medical bill acc # XXXX with your company which came back as verified on XX/XX/2019 via mail. This can not have been investigated properly because I also disputed this with the creditor ( XXXX XXXX XXXX ) in witch they responded on XX/XX/2019 with the cftp stating that this account would be removed from all three credit bureaus SEE ATTACH LETTER FOR PROOF FOR DELETION. ALSO I ATTACHED A COPY OF THE VERIFICATION LETTER THAT YOUR COMPANY SENT ME 0N XX/XX/2019. REMOVE THIS FALSE ACCOUNT IMMEDIATELY FROM MY REPORT AS I HAVE ATTACHED THE PROOF THAT THIS ACCOUNT DOES NOT BELONG TO ME! FAILURE TO DO SO WILL RESULT IN A LAWSUIT AGAINST ALL PARTY 'S INVOLVED. SEE ATTACHED DOCUMENTS
Product: Debt collection

I have repeatedly tried to ask these people what they are calling for and they won't give any information but they continue to harass me and my husband they have called his work lying talking about garnishing and giving out his personal information. I don't know who they are they keep saying " XXXX XXXX  '' and " Summit Receivables '' when they answer we are tired of being harrassed.
Product: Debt collection

By Discover Financial Services, continuing to report Misleading/unverified information as a consumer my rights have been violated and I attempted to allow discover to remedy the issue but it has not currently. My forms were sent to Discover, clearly outlining the violation of the FDCPA, never acknowledged despite me proving and providing them with documents such as : Validation of Debt, Cease and Desist, Affidavit of truth, Notarized by Notary, Examples of violation. 
My affidavit of truth and these other documents has been Notarized and sent off on XX/XX/2021 to Discovers Executive office, certified mail, return receipt. Additionally, a separate incident, proof of phone calls which clearly shows Violation of the FDCPA ( fair debt collection practices act ) The Report number : XXXX is for that issue and I sent invoice for. These are some of the violations 15 usc 1692a. 15 15 usc 1692b. 15 usc 1692c.

15 usc 1692d. 15 usc 1692e. 15 usc 1692f. 15 usc 1692g. 15 usc 1692h.

15 usc 1692i. 15 usc 1692j. 15 usc 1692k. The specific violations are in pdf form as proof. After sending my complaint, discover is now wanting me to submit forms or they will close out my account on XX/XX/2021 despite me sending a cease and desist and no remedy as been offered.
Product: Mortgage

The company I requested a loan modification and submitted the application for work out. Instead work with me the referred my home to you heir foreclosure attorney. While asking for additional documents they started foreclosure proceedings. Thats dual tracking and against the law.The assignments are robo signed the signer are not vice presidents or president.
Product: Credit reporting, credit repair services, or other personal consumer reports

Procollect Inc has been reporting inaccurate information on my consumer report. They have an account listed as an open but in collections. How is this account open but also marked as a collections? 
Please clarify as this appears to be inaccurate and against FCRA.
Product: Consumer Loan

i had bought a vehicle from a dealership that sold it to me illegally by selling it to me without having a title in hand. come to find out they never paid off the remaining amount that was owed when the previous owner sold it to them to his bank ( XXXX XXXX ). so there was XXXX people paying on the same vehicle when it comes down to it all because the dealership never paid the remaining amount that was owed to previous owners bank to get the title in hand. and since previous owner did n't possess the vehicle anymore he refused to keep paying for the vehicle anymore, so his bank ( XXXX XXXX ) came and found my vehicle that i had now possession over and repossessed it from me because of failed payments. now i 'm making payments own this car loan when i no longer possess this vehicle.
Product: Debt collection

The Company Name Is XXXX XXXX. I Dont Anything About This Company Or The Debt There Trying To Collect.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) stated I owed over {$400.00} with creditor CREDITNINJA. I never opened an account with CREDITNINJA or apply for a loan.
Product: Mortgage

Approximat ely five yea rs a go   XXXX   XXXX   sold my account to Carrington mortgage. I was down to last five years of the loan. It has been a  nightmare ever since. Every year they raise my payment twice. Last  one with a note that by law they can hold up to two  times what is needed in escrow account to pay principle, interest, insurance, and taxes. During these last five years, they have misapplied funds to another account and were hounding me for a payment. That took several phone calls and a week to get them to correct their error. One year I paid the escrow shortage to keep my payments down enough to be able to pay them. They didnt know how to apply so they just applied to the principle and when I paid the amount the payment should have been they started their harassing phone calls. They wanted me to pay the shortage again until they could figure out where they   XXXX   XXXX  . I didnt have that kind of money just laying around to send them so they charged me a late charge for thei r   XXXX   XXXX  . Th ey have not paid my insurance in a timely matter and I received several notices of cancelation. Every month its is something with them. Mind you I have never had a late payment in the  twenty five yea rs I have had this mortgage.     Fast forward to this year. Once again, they are increasing my payments. Not sure why because there is more in the escrow fund than the payoff on the loan. So, I didnt pay that large escrow shortage as I knew I would be paying the loan off in the next couple of months. The payment was to increase {$62.00} in   XX/XX/XXXX   and I thought it was  XX/XX/XXXX . I paid my usual payment in  XX/XX/XXXX . T hen came the harassing phone calls. I explained it was an honest mistake on my part and would include the {$62.00} dollars in my next payment. They were having nothing to do with. Even though they had my {$1100.00} they would not post it because of the {$62.00} shortage. They reported me to the credit bureau which put a hickey on my pristine credit report. I tried to work with customer service but as usual their customer service is rude and useless. So now they have {$4700.00} of my money they payoff is {$3300.00} which means they owe me {$1400.00}. Now I get a foreclosure notice not just on but four. So basically, they are trying to steal my house over {$62.00} dollars.
Product: Credit reporting or other personal consumer reports

Company discharged all debts with 1099c form and has committed fraud by furnishing false account and personal information to a third party.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.