23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

See lawsuit Almanzar et al v. Select Portfolio Servicing Inc, US District Court for the Southern District which included details on the internet regarding SPS and XXXX XXXX XXXX XXXX and reported " kickbacks ''. Numerous complaints on web including with XXXX XXXX XXXX  regarding both SPS and XXXX XXXX XXXX. Numerous complaints on not receiving refunds. 

This complaint is regarding Select Portfolio Servicing Inc. and XXXX XXXX XXXX XXXX and their force-placed insurance charged to my loan on XX/XX/XXXX for {$970.00} a certificate of insurance stating issued on XX/XX/XXXX certification period showing XX/XX/XXXX and expiration date XX/XX/XXXX. 
How can this be retroactive? What actual months should such a fee cover? 

In a letter from SPS dated XX/XX/XXXX it stated " it was not a requirement for you to be escrowed at the time of servicing transfer ''. XXXX XXXX who financed my home equity loan had told me no escrow/no insurance required. My small PRINCIPAL BALANCE SHOWN ON STATEMENT DATED XX/XX/XXXX WAS IN AMOUNT OF {$330.00}. NO INTEREST REMAINING. 
Is there a percentage or formula involved in determining force-placed insurance coverage and the principal, even if in other cases when legal and ethical? 

I made another payment in XXXX. And in XXXX MARKED A PAYMENT TO BE APPLIED TO THE REMAINING PRINCIPAL BALANCE OF {$69.00}. And, as stated above, no interest due ( actually a credit shown of {$4.00} for interest. ) SPS refuses to apply to the principal and they have charged additional fees for my not making my payment in XXXX when no interest remained. Instead they since applied the {$69.00} to the extorted insurance payment. 
IS IT LEGAL FOR SPS -- TO NOT APPLY -- MY MONTHLY PAYMENT DESIGNATED FOR THE PRINCIPAL? 

I would like a copy of service transfer agreement or contract between XXXX XXXX and SPS. And a copy of the home equity loan. 
I would like to know what credentials, certificates, and licenses that the owners and companies of SPS and XXXX XXXX XXXX must have. I will include my questions to the Texas Attorney General office. Thank you.
Product: Checking or savings account

I'm trying to link my bank account the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I worked with my lender to re-structure my loan to avoid issues with a short sale on my property. We agreed on a payment plan which I'm current on however they continue to report my loan as delinquent. This has been going on for 4 years and has negatively impacted my credit.
Product: Bank account or service

I opened an account with Bank of America shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from bank of America informing me that my account was being closed due to fraud. I never committed an act of fraud. Bank of America has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmful action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with bank of America for the past XXXX years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX directly but they report that Bank of America is standing by the fraud claim with no evidence to substantiate the claim.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXXXXXXXXXX XXXX XXXX - IDENTITY THEFT  XXXX XXXX XXXXXXXX XXXX XXXXXXXX - IDENTITY THEFT XXXX XXXX XXXXXXXX XXXX XXXXXXXX - IDENTITY THEFT XXXX XXXX XXXX XXXXXXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Hi there I opened a account there but then they closed out my account said to previous banking history and XXXX XXXX XXXXXXXX not on XXXX XXXX for key bank and I'm very frustrated with them I have XXXX  checks now that we're going into the account and they said it's all restricted I want a answer why what the previous banking history is with them. Or I will have my attorney set a court date with key bank
Product: Mortgage

I received a letter ( dated XX/XX/XXXX ) from PNC Bank titled " Required notices regarding the Private Mortgage Insurance ( PMI ) on your loan. '' This letter provides two methods of how PNC will cancel the PMI. The two methods PNC Bank provided in the letter are : a. request to cancel PMI b. Automatic cancellation of PMI Page two of this letter states the two requirements for automatically canceling the PMI. The first requirement says that when my loan 's principal balance reaches 78 % of the property 's original value. I contacted PNC In XX/XX/XXXX requesting the automatic cancellation of the PMI based on the information PNC provided in the first requirement of the page two letter dated XX/XX/XXXX. The PNC agent informed me that the PNC Bank would cancel the PMI automatically. Also, I told the PNC agent that the PMI should have been automatically canceled in XX/XX/XXXX since my principal balance has attained 78 % of the property 's original value. Also, I requested PMI reimbursement from XX/XX/XXXX, when my principal balance reached 78 % of the property 's original value. The PNC agent acknowledged and stated that the PNC Bank would process my request for the PMI automatic cancellation. 

In XX/XX/XXXX, I did not see the reflection of the PMI cancellation on my mortgage account and requested automatic cancellation of the PMI based on the letter dated XX/XX/XXXX. I contacted PNC Bank concerning the PMI automatic cancellation. I provided the information in the letter dated XX/XX/XXXX and the information the agent told me in XXXX to the PNC Bank agent. This agent stated that the amortization schedule will not trigger the automatic cancellation until XX/XX/XXXX, and the principal reduction payment will not qualify for automatic cancellation. Also, I requested the amortization schedule, and the agent stated that PNC Bank would not provide the amortization schedule to me. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from PNC Bank stating the PMI would be removed in XX/XX/XXXX and I should provide proof that my property value supports an LTV ratio of 80 % before the PMI can be canceled.
Product: Debt collection

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$7300.00} XX/XX/year> 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I never received any notice of an upcoming bill or that I was late for a bill until after it was put on my Credit report .... I would like these late payments removed by Kay Jewelers for not informing me .... As of today & since XXXX I havent missed or been late on a payment .... This is impacting my score & ability to obtain credit
Product: Mortgage

On XX/XX/XXXX-19 CMC funding sent us a late notice stating that we had not made our XXXX payment but our web bill pay from our checking account showed that the payment was sent and received and cashed by them on XX/XX/XXXX. We have spoken to supervisors and various people and still our account has not been updated or changed and we even had to pay the late fee for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the past several months, I've consistently been in contact with Equifax consumer reporting agency regarding several fraudulent accounts being reported to my consumer credit file. I've sent numerous letters disputing the validity of these accounts which included a copy of a local police report that was filed by myself. The police report that was included, listed the accounts that were in question and established without my knowledge or consent. Under the Fair Credit Reporting Act section 605b, Equifax continues to violate my consumer rights by continuing to report the fraudulent accounts to my credit file after being notified of the information resulting from identity theft and failing to block the information within 4 business days of notification. This situation has caused a major burden on my current financial situation and been detrimental to my creditworthiness. I have been unsuccessful in my previous attempts in trying to resolve this matter with Equifax and plan to pursue litigation as a final result if necessary. XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are the accounts that are in question and should not be appearing on my credit file due to identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX # XXXX XXXX, XXXX XXXX XXXX  has violated my right. 

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.
Product: Debt collection

XXXX  XXXX and Firstmark Services can not produce original documents of final disclosure for private student loan from XX/XX/XXXX. The charge of amount is incorrect, the percentages are fraudulent. When I asked for final disclosure papers all they gave me was transaction history. The dates are also wrong. I graduated in XX/XX/XXXX. They have been reporting invalid dates. When I go to open up the final disclosure from my email they have blocked this document. I would like for this document produced. I have asked many times before over the years and they have refused.
Product: Mortgage

XX/XX/XXXX Wells Fargo charged my account without notice $ XXXXFor 13 Years XXXX sent qualified written request asking Wells Fargo to identifythe components. I got replies as follows " WE have received your inquiry and as soon as our research is complete you will be advised ''. The last received was on XX/XX/XXXX. ( all together about XXXX to XXXX inquiries were sent and each reply was the same - a lie ). 
Please keep in mind, XXXX must approve and agree with all loan modifications.other wise, Wells Fargo would go crazy with the Loan Modifications Wells Fargo has not provided any proof that XXXX agreed and approved or even knew about the amount .posted XX/XX/XXXX. therefore this is not a legitimate .charge. There is no way that on XX/XX/XXXX XXXX knew what to bill 20 months later and would not have approved any charge at that timeThank youRobert D XXXXXXXXXXXX characters remainingYou will get some funny answers. including about XXXX lbs paper saying nothing related to this problem. Just ask Wells Fargo to furnish proof that XXXX approved the chargeto XXXX account XX/XX/XXXX. and furnish proof there off-Thank you vvery much and good luck. 


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

I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with fradulent accounts removed. 

1. XXXX 2. XXXX Reached out to Transunion several times and was unable to get a hold of agents. When i was able to get ahold of agents I was rudely hung up on after voicing my concerns and demanding method of verification. 
Transunion then later completed " investigation '' and items came back " verified '' without any proper documentation proving these accounts belong to me.
Product: Checking or savings account

I am writing to express my deep concern regarding the inadequate handling of an issue involving the tokenization of my bank card for use with XXXX XXXX. The lack of accountability and communication among Regions Bank, XXXX, and XXXX is alarming and raises serious questions about their operational processes and customer service. 

On XX/XX/year>, after creating a new XXXX account due to issues with XXXX XXXX syncing, I attempted to add my Regions Bank card to XXXX Pay. However, I encountered an error message instructing me to contact my card issuer. My subsequent interactions with Regions Bank, XXXX, and XXXX revealed a cycle of finger-pointing and misinformation. Regions informed me that XXXX was blocking my card without a clear reason, while XXXX claimed it was Regions ' responsibility. XXXX confirmed that the issue was between XXXX and Regions. 

Despite multiple communications, including a three-way call with XXXX and Regions, I received conflicting information and no resolution. This lack of cooperation and problem-solving ability is concerning and suggests a systemic flaw that could impact their other operations. 

As a customer of Regions Bank for nearly a decade, it is unacceptable that I am denied access to a service I should be able to use. The digital payment service is crucial for my needs, and the situation breaches the service I am entitled to. Furthermore, the suggestion to purchase a new device as a solution is financially insensitive and dismissive of the issue. Customer service agents ' reluctance to file formal complaints and their attempts to dissuade me by suggesting my complaint lacks substantiation are unacceptable. 

I urge the Consumer Financial Protection Bureau to investigate this issue thoroughly. The lack of a coherent system for resolving such issues, alongside evident miscommunication, raises serious concerns about the accountability and transparency of these financial institutions.
Product: Debt collection

Im not sure why this debt has shown up on my credit. I'm requested more information as why what I suppose to owe
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an unauthorized inquiry on my credit report as a victim of a data breach. Pursuant to FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I ask that you block and delete the following inquiry from my credit file : Unauthorized Inquiry to be Deleted : XXXX XXXX XXXX  Inquiry Date : XX/XX/2023
Product: Credit reporting or other personal consumer reports

These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC System 5 Letters sent to the business/credit bureau . 

didn't show investigations results. didn't investigate. 

never updated or corrected error on my credit report.
Product: Consumer Loan

I missed a payment and they 've been calling me at XXXX to collect it.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX _ I received and invitation from Bank OF America to consolidate my loans- called the gold option line of credit acct. number - XXXX. The agreement was a XXXX personal loan at 3 % interest. The term was for a 96 month repayment of this loan stating that each time I access the loan the schedule will restart- I immediately paid off my other credit cards within the month of XX/XX/XXXX- I  never attempted to access these funds again for the past 10 years. When I called to ask why I was still paying and my loan was not resolved in XXXX I was told that Bank Of America changed my interest rate in XXXX and notified me in my bill of the change, here is where the fraud begins. 

1. I never agreed to and interest rate change per our original agreement.
2. I did not violate any of the rules set forth in our agreement to initiate a change. 
When I called bank of america about this issue I was told Bank Of America reserve the right to change my rate at any time without my consent, This seems to be very fraudulent since this was not part of our original agreement. 
To date they have failed to produce my original agreement but they were able to access a similar document. See attached. 

I continue to receive calls for and outstanding balance of XXXX in addition I was told that my rat had changed to 18 % Yet my payment received due remained the same. 

I have asked Bank Of TO RESOLVE THE DEBT IMMEDIATELY I HAVE PAID THE FOR 10 YEARS XXXX PAYMENT OR {$83000.00} I continue to be harassed by their collection agency, last years ehis resulted in a XX/XX/XXXX where I was admitted to XXXX XXXX XXXX spending 3 days in the hospital due to stress. my Hospital bills were in excess of {$23000.00}. 

If bank of America can not fix this problem I will be forced to seek legal advise for pain and suffering, and a class action law suite XXXX 

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

I submitted a dispute letter to all three credit bureaus regarding inquiry investigations. Letters were sent certified in the latter part of XX/XX/2021. No creditor or credit bureau has responded to my request for an investigation. In accordance with the FCRA the bureaus must be responsive and have an obligation to verify the allegations upon request and supply all proof in a timely fashion. 

Inquiries on Experian : XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX, XXXX XXXX, Inquiries on XXXX : XXXX, XXXX, XXXX XXXX, XXXX XXXX on XXXX XXXX XXXX XXXX SXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ) 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( FILE NO. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the are accounts that I mark as inaccurate 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
Product: Mortgage

My sister-in-law XXXX XXXX had a reverse mortgage with Liberty HE Solutions. She passed way on XX/XX/2016 and had {$31000.00} in her line of credit ; on XX/XX/2016 she sent a request to have the those monies transferred to her checking account. Liberty has refused to send the money because she had passed before the transfer took effect. They told us that taxes were owed and the Executor of her Will, XXXX XXXX ( son ) said that was fine, pay the taxes and send the remaining. I had prior approval to communicate with Liberty and called Liberty numerous times to ask for release and was bounced around by a supervisor, XXXX XXXX, with no satisfaction or a written decision other than saying this was unusual. The money was needed to pay for her funeral and other expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within XXXX of XXXX, SCHOOLSFIRST FEDERAL CREDIT UNION reported to XXXX  that this writer made a payment 60 days late and reported to XXXX  and XXXX  that this writer made a payment 30 days late within the same month without this writers knowledge and written consent. This communication to XXXX XXXX and XXXX  without this writers knowledge and written consent is a violation of 15 U.S.C. 1681a ( 2 ) ( iii ), 15 U.S.C. 1681 ( a ) ( 4 ) ( b ), 15 U.S.C. 1681b ( a ) ( 2 ) ( i ) ( ii ) ( iii ), 15 U.S.C. 1681a ( 3 ) ( e ), 15 U.S.C. 1681b ( 2 ) ( a ), 15 U.S.C. 1681a ( 2 ) ( b ), 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ). When I obtained knowledge of the communication I sent SCHOOLSFIRST FEDERAL CREDIT UNION a Cease and Desist Letter which they received on XX/XX/XXXX. This writer discovered on XX/XX/XXXX that the communication made by SCHOOLSFIRST FEDERAL CREDIT UNION regarding this writers payment status was deleted from XXXX XXXX  and XXXX. However, this writer never received the remedy communicated for the above violations.