23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

ONSUMER FINANCE.GOV CONSUMER FINANCE.GOV XXXX  AL XXXX CONSUMER FINANCE .gov XXXX AL XXXX XXXX Dear Sirs : I wish to file a complaint against the company SELECT PORTAFOLIO SERVICING INC for the following reasons Currently the company BUSINESS XXXX XXXX XXXX maintains a mortgage loan with the company SPS which is paid on time every month. 
On XX/XX/2023, SPS sent me a letter stating that due to an analysis of my account, an excess deposit in guarantee of {$4400.00} has been determined and that they will return it by means of a check to the address that they have in their database ; However, the address was wrong and the check never arrived and according to them they canceled it. 
From that date I began to call XXXX XXXX XXXX to coordinate the delivery of the check and correct the address, however it was very difficult to follow up on the check because the company indicates that it only sends checks by public mail and there is no way to follow up or check if they really sent it, they do not show any evidence of the issuance of the check or the shipment, so it has been more than 4 months that I call constantly and communicate with different advisors who lie and give me different versions and the check does not arrive to my power despite the fact that I have changed the address and it is constantly verified, in recent days I have talked with supervisors to see if I can get them to comply with sending the check but it has been useless because there are also several supervisors who do not comply with sending the check with a tracking number for which the check is lost and they cancel it without consulting me and we come back from scratch and I do not receive the check. 
For these reasons, I want to denounce the company SELECT PORTFOLIO SERVICING INC for improperly withholding the guarantee deposit in excess of {$4400.00}, not properly informing the sending of the check showing evidence of the issuance of the check and the sending of the check and, above all, showing a tracking code to be able to track the check and the constant misinformation given by your staff. 
Due to the attitude of the company, I consider that their intention is not to return the amount indicated, for which I appeal to you to contact them and indicate the reasons why they do not comply with sending the check with a shipping code and if necessary I can assume the cost as already indicated Sincerely
Product: Mortgage

We had a mortgage on our primary residence with XXXX XXXX  XXXX. On XX/XX/2022, we received notification by mail and email from XXXX Mortgage XXXX that our mortgage is transferred to Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX. We were also notified that we should expect communication from Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX on how to setup mortgage payments with them within XXXX weeks of transfer. The effective date of transfer was XX/XX/2022. 

Today it is XX/XX/2022 but we have not received any communication from Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX. On trying to register their website, with intent to make mortgage payment, we continue to get various errors. On calling them, we were put on hold due to technical difficulties and later promised of a call back but never received any call back. 

We are worried that Mr. Cooper, subservicer for XXXX XXXX XXXX XXXX XXXX is trying to put us into default with malicious intent by avoiding any form of communication with us.
Product: Mortgage

16 CFR 433.1 ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. 

According to this code, when I closed on my mortgage on XX/XX/21 .There was a check issued with my name on it and the Lender failed to give it to me. Now I demand that check to be given back to me.
Product: Debt collection

CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, WA XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$700.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

Lending Club has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent inquiries on my consumer report that I want removed immediately. 
XXXX XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN Fraud Department : Remove fraudulent accounts from my credit report Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, TX XXXX Employer ( s ) : XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 

I appreciate your prompt attention to this matter and await your reply. 

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

I have completed 2 rounds of disputes for this particular reporting with no action by XXXX. I am also requesting an investigation into the, third party reporter, Lexis Nexis as they are supplying this erroneous information to the bureau. It is their responsibility to make sure they are reporting correct information and they are not. I am disputing a dismissed XXXX  XXXX bankruptcy that is showing on my report only on XXXX. This reporting is attached to a case with a social security number that is not mine. I sent a letter certified with delivery confirmation to XXXX and they received it on XX/XX/2022. They responded to the dispute on XX/XX/2022 and stated that it has been confirmed via a third party reporter, Lexis Nexus, and made no deletion of this erroneous information. Please mandate XXXX and Lexis Nexis to stop reporting this erroneous information on my credit report. Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

I have recently become aware of a lawsuit involving Experian that may be relevant to the inaccuracies on my credit report, and I am requesting an immediate investigation into the disputed information in compliance with the following FCRA guidelines : FCRA 1681i ( a ) Reinvestigation of Disputed Information : According to the FCRA, you are required to conduct a thorough investigation of disputed information within 30 days of receiving my request. I expect this to be done in a timely and accurate manner. 
FCRA 1681e ( b ) Duty to Ensure Accuracy : The FCRA mandates that all credit reporting agencies, including Experian, ensure that the information reported on my credit file is accurate and complete. The information in dispute does not meet this requirement.

FCRA 1681g Consumers Right to Obtain Information : I am requesting a complete copy of all information related to the disputed account, as well as any documentation you have to support the accuracy of the reporting.

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has established guidelines regarding credit report disputes, as per Regulation V ( 12 C.F.R. Part 1022 ), which includes procedures for addressing inaccurate or incomplete information on credit reports. I ask that you review these regulations and ensure compliance with the procedures outlined.
Product: Checking or savings account

An account was opened under my name ( XXXX XXXX ) and my email ( XXXX ) at the neo-bank Chime Bank. I had never heard of the bank before and had not signed up for anything with them. I received a new member bank card in the mail from them with instructions to activate it. I was at once confused and wary. 

Shortly after I was notified that the phone number and account information for the account had been changed. I have not at any time had access to the account, but I was still getting updates to things happening with the account, including deposits and messages. 

I emailed their support email to get the account closed and recieved multiple messages back asking me to confirm the email associated with the account. I knew what email was associated with the account because this was the email all of the chime bank updates were coming too ( XXXX ). Each time I emailed them the information I was met with a new email -with a new name in the email signature- asking for the same information again.

I ended up calling their help line where the representative ( who did not give me their name ) told me the only way to close an account will be to give them the last 5 digits of my social security number and full name. I told them I never gave them that information so it wouldn't match their records anyway and that this seemed scammy enough that I was hesitant to provide such information. Even my legitimate bank has never asked for more than the last 4 digits before. They said they found my account but could not close it until I confirmed the social security number associated with the account. I asked them if they could remove the email from the account since it was not my account and I had not opened it. They told me again they could only do that if I gave them my social security number.
Product: Mortgage

Starting from around the year XXXX til this day our lender XXXX XXXX which is now using Rushmore Loan Management Services has made our lives a living hell. The amount of fear, anxiety, worrying, sleepless nights, suffering, countless day and nights of crying, begging for help to save our home was/is beyond XXXX XXXX and extremely XXXX -All the threatening calls that were made to us all hours of night, If we didnt pay what scary consequences we would face, How they would garnish our social security benefits money, to strangers driving by our house daily-taking pictures, and even trespassing on our property freely and fearlessly to which eventually took a major major toll on us mentally, emotionally, and physically. So two years after my initial request and plea for help from XXXX XXXX and no luck nor care from them we couldnt take anymore pain and suffering and debt that added up. We decided for our health and sanity to file a bankruptcy.I think within 24 hours or so if Im not mistaking of filing and XXXX XXXX  finding out all of the sudden we received a phone call from them telling us what great news they had for us, they would not foreclose, Give us the dream modification, our interest rate would be 2 % but most importantly let us keep the house ONLY if we agreed to not include them in the bankruptcy. After hearing that and believing and trusting what they claimed to be the dream modification assuming a license professional knows what they are talking about we immediately agreed because we love our home and we got lucky.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I made my mortgage payment 29 days late. Payment is due on the XXXX of the month, I paid it on the XXXX of the month. Now, the lender is showing me as 30 days delinquent on my credit reports for my XX/XX/2020 payment status. 
The payment due was {$340.00}, and I made a payment of {$350.00}. 
The FCRA is clear on this matter : payments must be applied on the date received, not on the date posted. 
Therefore, the lender is in clear violation of the CFPB. 
I have disputed this issue with the lender previously. They refuse to update and remove the delinquent payment reporting. I have also disputed this with the credit bureaus, they say that they can not change the reporting unless the lender changes the status and updates them. 
NOTE : The lender at the time of the matter in dispute was XXXX XXXX. Sometime after this incident, XXXX XXXX bought out XXXX XXXX. Sometime after that, XXXX XXXX  bought XXXXXXXX XXXX XXXX XXXX is the current lender who refuses to change the incorrect status of this report.
Product: Credit reporting or other personal consumer reports

I recently received a pre approval letter from XXXX XXXX. When doing the credit report inquiries, Equifax reported 4 items that were key factors adversely affected my score. 
Those XXXX items were XXXX - serious delinquency XXXX - length of time accounts have been established XXXX - too many finance company accounts XXXX - proportion of balances to credit limits is too high on bank revolving or other revolving accounts I have reviewed my credit report from the XXXX reporting agencies and according to their reports, I dont have any delinquent accounts. As far as the length of time, Ive had credit agencies/ loans actively for XXXX XXXX. XXXX XXXX of financing history with my current XXXX XXXX. My actual credit history started in XXXX  when I secured my first loan from a bank. Approximately XXXX XXXX of credit history As far as too many finance company accounts, I have only XXXX active accounts ( XXXX credit card from my XXXX XXXX XXXX, XXXX health XXXX credit card from XXXX bank, XXXX credit card from Bank XXXX XXXX, XXXX consolidation loan from my XXXX XXXX XXXX. 

That doesnt seem like excessive finance company accounts, with just XXXX open accounts from just XXXX different lenders. I have many paid and closed accounts over the years which should negate the report of a short credit history. 
Regarding the too high proportion of balances to credit limit on bank revolving or other revolving accounts is false. I have XXXX revolving open accounts. They are a balance of {$540.00} dollars with a limit of {$7800.00}, {$990.00} balance with a limit of {$5000.00} and a {$1200.00} balance with a limit of {$5000.00}. 
These erroneous negative and adverse items identified by Equifax played a part in arriving at a lower credit score. 
My credit score on the Equifax app shows a score of XXXX and no adverse items. My lenders ( XXXX ) shows a credit score of XXXX. 
How can I discuss this problem with someone and get an explanation as to why this adverse information is being reported incorrectly? It seems to be lowering my score with Equifax. I know these adverse information is not correct and I would like to discuss it and know why it is being reported I have serious delinquency, when in fact I have no delinquent accounts. My XXXX XXXX score is XXXX and my experian is XXXX. 

What action should I take to get an explanation for these supposed adverse factors negatively affecting my credit score and my credit history. My debt to income ratio is below 25 %. 

Thank you in
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, I got a personal loan with PatientFi for services that I was getting through XXXX XXXX XXXX XXXX XXXX XXXX, which XXXX XXXX XXXX XXXX XXXX XXXX uses for them for financing procedures. My service were not complete due to an issue that occurred during one of my sessions which I was XXXX on my XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX did offer XXXX XXXX of the XXXX XXXX, which did not equal in the amount of the XXXX. I had 2 appointments and no one was at the office on either day. I called Patientfi on XX/XX/2023 at XXXX XXXX and spoke to a customer service rep about my concerns. They told me that I would have to contact XXXX XXXX XXXX XXXX XXXX  to get a refund from them even though I making payments to PatientFi. I stated to the customer rep that it's not fair to me that I'm paying on a loan when services wasn't provided in it's entirety. I have contacted XXXX XXXXXXXX XXXX XXXX XXXX about my concerns and the refunds as well for services not rendered.
Product: Credit reporting or other personal consumer reports

Data Breach- Please remove all information on my credit reports. Compromised personal information.
Product: Credit reporting or other personal consumer reports

In 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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/DEPT OF ED : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX has violated my rights. 
Remove as soon as possible! 

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: Vehicle loan or lease

On XX/XX/2022 I wrote the dealership I got my car from ( XXXX XXXX ), as well as the company who financed my car from ( Wells Fargo ) requesting specific info ( see attached ). I received some of my requests from Wells Fargo, but nothing from XXXX XXXX.
Product: Mortgage

After a temporary financial situation caused me to get behind in my mortgage, I applied for a loan modification back in the summer of 2018. I never received any status updates regarding the application and have since attempted to follow-up on the modification. I have also since been able to make regular mortgage payments, however, have been restricted from making any payments since I fell behind. 

All attempts to reach someone by telephone have led to either extended hold time and eventually I am disconnected. Additionally, I attempted to check the status of the modification online and continued to receive the message that my application status could not be accessed. Again, I attempted to contact the telephone number I was referred to on their website, to no avail- long holds and then disconnected. 

Today, I called and actually spoke with someone who stated I would be transferred to " a relationship manager '', but also gave me " their phone number '', which in actuality was the same number I called to reach the person with whom I was speaking. I was transferred and a recording stated, " Let me see if a Relationship Manager is available '', and after a brief hold, another recording informed me that no one was available and stated, " This call is being disconnected ''. As usual, there was no option to leave a message and I was again disconnected without speaking with anyone who could assist me. 

It appears as though this is a scam and they are looking to increase interest and fees!
Product: Credit reporting

I have sent a written dispute to Experian and to XXXX on XX/XX/2017. 
XXXX. inserted false information to my Experian Credit Report on XX/XX/2017 which was previously deleted by Experian as false. XXXX has wrongly re-inserted previously deleted false information and has re-aged false information. 
Experian has failed to send written notification for reentry of previously deleted item and illegally re-aged false information and failed to notify in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XX/XX/XXXX to dispute negative report made by XXXX XXXX. The closed the dispute and said it was verified. 

I contacted XXXX XXXX on XX/XX/XXXX to get an itemized statement of the charges they were reporting. They informed me they did not have a statement. They received the information from a company called XXXX XXXX and I would need to contact them to get the statement. XXXX XXXX received the debt information from XXXX XXXX. 

I contacted XXXX XXXX and they said they did not have an itemized statement and directed me back to XXXX XXXX. How did XXXX XXXX turn over a debt that they did not have information proving the amount was correct. 

I contacted the original creditor, XXXX XXXX XXXX and they stated they did not have an itemized statement because the debt had been turned over to collections. 

How did Experian verify a debt without any basis of the amount owed other than a collection agency saying it was valid?
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

i've sent a letter to every creditor stating that i need validation of each debt to only be sent a bill. a bill is not validations. the definition of validation in commerce is ''to assess an action '' so I'm requesting validation under 15 usc1692g all i want is something in writing containing the 5 things required under 1692g. also if there were any competent witness i demand the debt collector to produce them. if the debt collector does not provide me with all 5 requirements that i requested under 15 usc 1692g they are in violation and owe me {$1000.00} per individual action pursuant to 15 usc 1692k and i demand removal of all negative account on my credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Eperian explaining to them that I did not apply to these companies and did not give anyone permission to review my check. Requesting them to please delete these inquires XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXXI/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Their response was We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directlyby youor to be authorized by you. I sent the complaint and asking again that these inquires be removed.