23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX and XXXX of 2019, we mailed letters to Select Portfolio Servicing Inc for account information. SPS has sent response letters each time without providing the account information requested. SPS has offered a loan modification to reset our mortgage. We are delinquent due to medical and employment. Before signing a new modification that does not include previous equity we need account reconciliation on past payments that span our current loan. However, SPS will not provide the account information instead it repeatedly sends the new loan modification in multiple copies and refers us to their website. We are not savvy with compiling the information we request and demand that SPS provides us the information we seek to make an informed decision. It is our position that SPS has unjustly enriched itself based on our current loan. Therefore, SPS refuses to send us the account information. 

We seek CFPB to facilitate our consumer rights to obtain account information from SPS. 
SPS must send the following : - copies of mortgage loan origination documents with terms - all loan modification documents signed and presented -notification documents of previous loan holders and loan transfer documents -Mortgage itemization of : -- # of payments made on the loan from origination to Present -- total # of payments and figures ( $ ) for mort. loan from origination to Present for : -- -Principal -- -Interest ( bearing / non bearing ) -- -Late fees -- -escrow -- -how much of principal is deferred payment
Product: Credit card

XXXX. ) Receive a notice on from Bank of America on XX/XX/2023 stating that corporate the credit line for XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX was reduced to {$1000.00}. The reason given in the letter was that there were one of more trades on record that were not paid as agreed. The ratio of recent balances to historical use is too high. As the church 's authorized purchaser, I called to inquire about the reason for the decrease and was told that information was received from the business credit reporting agency XXXX XXXX XXXX. A church authorized representative contacted XXXX on XX/XX/2023 and they said there was no report on file and no profile available with the church 's EIN and name. Afterwards Bank of America suggested that the church request business credit reports from each of the XXXX credit bureaus. The church obtained reports from XXXX and XXXX which showed no outstanding balances and confirmed that we have a low-risk credit rating. We further contacted XXXX XXXX XXXX to request a XXXX business credit report, and based on our XXXX 's number we received the same results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page 13 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Mortgage

I applied for a Navy Federal XXXX, Vehicle and credit card on XX/XX/XXXX and XX/XX/XXXX and got denied for them all. Regardless of the reason for being denied I have the right to credit & withholding my access to securities is security fraud. You are violating Equal Credit Opportunity Act and Consumer Protection Act.
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 effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive since they did not comply with the error resolution requirements under the EFTA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this report is a Identity Theft Report from the Federal Trade Commission. The following accounts and credit inquiries listed on my XXXX and Equifax credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX : XXXX, {$450.00}, XXXX XXXX XXXX  : XXXX, {$110.00}, XXXX, XXXX  XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of specific information in my ( Company Name ) report, which I believe to be erroneous. Under the Fair Credit Reporting Act, I have the right to request that you investigate and correct any inaccurate or incomplete information.

The details of the inaccurate information in my report are as follows : ( Inaccuracy # 1 ) : XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$340.00} This is account is incorrectly reporting that I have 4 late payments on XXXX, XXXX reports 5 late payments and transunion reports 2 late payments. 
( Inaccuracy # 2 ) : XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and a balance of {$800.00} This is account is incorrectly reporting that I have 5 late payments on XXXX, XXXX reports 5 late payments and transunion reports 1 late payments. 

Please rectify or delete the aforementioned inaccuracies from my report without delay. The FCRA mandates that you investigate and respond to me within 30 days of receiving this letter.

Upon making the necessary changes to my report, furnish me with written confirmation. Your immediate attention to this issue is mandatory. This letter is sent on my behalf, and I have included a copy of my identification for verification purposes.
Product: Credit card or prepaid card

I loaded money into my PayPal account to pay my electric bill only to have PayPal freeze my funds without reason or explanation..they are telling me the ban is permanent and I have to wait 180 days for an email describing how to get my funds released... I worked hard for that money only to have PayPal inc freeze my account without explanation or reason... I have children in the home and now I have no money to pay my electric bill because PayPal is illegally holding my money without my consent or even knowledge as to why..
Product: Payday loan, title loan, or personal loan

To whom it May Concern On XX/XX/XXXX, I received my account statement for my Personal Credit Line N XXXX, but I do not agree the interest rate on it. I have been complaining this account several times regarding the misleading and unfair interest rate Wells Fargo have been charging me these months. For example, in the statement ofXX/XX/XXXX, they applied an interest rate of 20.05 %, but in XXXX the interest rate changed to 20.75 %. Despite I have been paying more than half of the credit line, the interest rate still is unfairly increasing monthly. This unjustified and wrong action that has been taking by Wells Fargo against its clients must be stopped by a competent authority. 
I would take the respective actions, if Wells Fargo keep charging me this high and unreasonable interest rates. Also, I would stop my payments until my complaint was considered and my interest rate get changed to the initial yearly interest rate of 8.5 % ; which was offered to me when I filled and summited the application for this credit line in the XXXX XXXX store. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing my upstart loan as open with a balance. 
This account has been fully paid and closed. Please adjust and correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I had a car stolen. The car was financed through XXXX XXXX. The theft was immediately reported to the finance bank and was fully covered under the insurance policy and gap insurance. It took approximately 2 months for the insurance company to pay off the bank ( XXXX/ XXXX XXXX XXXX ), And because there was a time-lapse within the date the car was stolen and when it was deemed a full loss by insurance. XXXX / XXXX had me pay a partial payment which I did. Due to the bank 's error, they failed to update the files of this account and they reported to the credit agency that this loan was a charge which it clearly wasn't. I called XXXX and they cleared the matter and gave me credit for payment and told me that the account was clear and no money owed buy they said being that the account is no longer active I would have to consult with the credit reporting agencies to get the account cleared to paid never late status. This account was never late, and my payment history reflects that clearly on my credit report. XXXX XXXX  XXXX  sent me a letter stating that the account was clear and paid in full and said I can send that to the credit reporting agencies which I did and nothing has been cleared up. I've sent numerous letters, proof of the vehicle theft, proof of insurance payment to bank and they still refused to correct my report. I've demanded proof of their investigation and I still haven't received anything, Just an updated report with no other information. Prior to this my credit was up to date and all payments on time and this error has damaged my credit significantly. I am requesting that the agency either correct this error to show paid on time never late or remove this disastrous account from my report. You have 0 % left to pay on this loan. 

This is the way they are showing my report. 
Account Info XXXX XXXX XXXX Account number XXXX Balance {$0.00} Highest Balance $ XXXX Monthly payment {$0.00} ( no info on monthly payments ) Opened XX/XX/XXXX ( 1 yr, 11 mos ) Term 41 months Payment History Last payment No Info Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Lease Responsibility Individual Remarks Payment after charge off/collection Paid profit and loss Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX All this information is inaccurate and incorrect. No late payments, no balances, just an incorrect derogotory mark they refuse to correct.
Product: Student loan

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a critical issue regarding the calculation of payments under the Public Service Loan Forgiveness ( PSLF ) program. Despite my extensive and uninterrupted service of over 13 years with XXXX XXXX XXXX , a qualified employer for PSLF, my payment count towards loan forgiveness remains incomplete.

I have diligently served as a full-time employee for more than a decade, providing essential care and support to individuals and families in need. Throughout this time, I have made consistent efforts to ensure that my payments towards student loan forgiveness are accurately recorded. However, despite exceeding the required threshold of 120 qualifying payments or ten years of service, my loan balance persists, and the burden of monthly payments continues to weigh heavily on me. As the sole provider for two families, the financial strain of ongoing student loan payments is substantial and increasingly challenging to manage. I firmly believe that my diligent service and consistent payments warrant the completion and payoff of my student loan, in accordance with the PSLF program guidelines.

I

kindly request your immediate attention to rectify this discrepancy and ensure that my payment count accurately reflects my years of service and dedication to public service. It is my sincere hope that by correcting this oversight, I can alleviate the financial burden I currently face and achieve the long-awaited relief of student loan forgiveness. I urge you to expedite the review and correction of my payment count, as every month of continued repayment adds to the financial strain I endure. Your swift action in resolving this matter will not only provide much-needed relief but also restore my faith in the integrity of the PSLF program. Please feel free to contact me at XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX, if further information or clarification is required to facilitate the resolution process. I sincerely appreciate your attention to this matter and look forward to a favorable outcome.

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/2023 midland credit management Delivered a lawsuit to my mailing address. 
The lawsuit states that I owe them in the amount of {$1500.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume no of the alleged debt, therefore any debt in fact exists. 

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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose The debt collector has provided proof that that I was never under contract with them and they purchased the debt from the original credit. My signature is not listed on any paperwork or letterhead from myself to midland credit management stating I was pay them for services provided to me. 

See attached photos showing signatures from The original creditor and Midland credit management. No where is my signature included agreeing to pay any amount
Product: Vehicle loan or lease

According to a XXXX XXXX, my BMWF account is 49 days past due, this is stated in reply to prior complaint filed, pertaining to a returned payment and error with bank information provided for it.. The reply also states the amount of {$2300.00} is past due.. Neither statement is true, the account is paid until XXXX with a credit balance, I do not owe {$2300.00} nor is it past due.. It appears this person took an unusually long time to reply, the prior complaint was submitted on XXXX, I have just received reply today on XXXX which is almost two months ago. I do not know what the delay was, however, the information provided is inaccurate. I do not know if the reply was submitted late or if rep chose to send it today, XXXX The letter is dated on XXXX, I can only assume it was submitted as of today ... If thats the case, then I do not know the reason for the false/inaccurate information unless it was gathered months back, only submitted as of today 's date which does not make sense to provide old information.. Her reply also states the payment for the month of XXXX was placed as a " D-no rating '', I have no way to confirm this as I do not have copy of a credit report available. However, given the false/inaccurate info provided, I would request BMWF double check this to make sure it is accurate. Further, I request the ACH block lifted, allowing ACH payments as the last ACH return was not my error, correct routing and account number was provided via BMW site. I have confirmed correct information entered by speaking with XXXX reps. As far as I know, the block is still on the account, I have been making payments through XXXX via their bill pay which are electronic and have all cleared..
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX :
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding their handling of my recent dispute letter dated XX/XX/year>. In the letter, I requested an investigation into inaccurate items on my credit report and disputed the incorrect personal information listed therein. However, despite providing all the necessary documentation and information, I am still waiting to receive a response from Experian regarding the results of the investigation. 
Enclosed with my dispute letter were copies of my photo ID, social security card, and a recent bill displaying my current address. These documents were included to assist Experian in verifying my identity and address, in accordance with their procedures. Despite adhering to their requirements and providing ample evidence to support my claims, I have not been provided with any updates or resolutions regarding the inaccuracies on my credit report. 
This lack of communication and failure to provide investigation results is not only concerning but also violates the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies investigate disputes within a reasonable timeframe and provide consumers with the results of their investigation. It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 
As a consumer, I rely on accurate credit reporting to make important financial decisions. The inaccuracies on my credit report could potentially have significant negative consequences for my financial well-being. Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Experian fulfills its obligations under the FCRA.
Product: Money transfer, virtual currency, or money service

I have been using Wise for several years and this is the second time I am facing the issue, and in spite of my emails, they are not responding. 

The funds have not been delivered to the beneficiary account. I have tried to reach out to the customer service of Wise, and haven't got my problem solved. I hope if CFPB could help. 

At least, can they respond???
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is my auto loan company, they have XXXX, XXXX and XXXX marked at XXXX days late. However, I have made proper arrangements with them to defer payments to the end of my loan as well as made payments to keep my loan in good standing. I sent a letter of validation to them in which they did not respond.
Product: Credit card or prepaid card

Direct Express is the most difficult place to reach someone for help. Their CS people give wrong or partial information and usurp cases and disputes. They do not explain nor care if you can actually reach them about what the problem is. They do sham denials on disputes consistently on many people including myself. 
Money is lost. Lives are affected. This bank is horrible and social security needs to warm revieptients of all problems associated with using this card.
Product: Credit reporting or other personal consumer reports

Identity theft, data breach my information was stolen. 
XXXX XXXX, Other banks.credit card $ XXXX. 
XXXX XXXX loans that were dismissed after teaching in title one schools for 14 years. 
XXXX  XXXX XXXX XXXX in other states forged in my name. 
Vehicle purchases. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent XXXX a copy of a letter that was sent to me by XXXX XXXX dated XX/XX/XXXX of XXXX showing that the obligation had been paid off as of XX/XX/XXXX I also submitted documentation to fifth third bank regarding this obligation being cared for through the insurance because the vehicle was totaled there was also gap coverage from the original creditor XXXX to cover the debt fifth third has me in XXXX saying that the account was overdrawn the account was not overdrawn fifth third did not pay out anything and continues to have me in XXXX for XXXX years and the matter has been resolved XXXX will not remove the accusations because fifth third says that it is Valid. Can not reach a representative at fifth third today XX/XX/XXXX have been transferred four times since XXXX XXXX this morning it is now XXXX XXXX and Im requesting assistance to get the matter resolved would like it removed off my credit report
Product: Checking or savings account

I attempted to make a purchase on XX/XX/XXXX with my credit building card. It was declined and I used a different bank account. A few hours later the transaction was on hold. The funds of {$74.00} were moved from my account as well as the pending transaction. I was not given my money back. Chime has it, and has made me file a dispute, that will expire in XXXX. They are not sure if the funds are eligible to be returned.
Product: Credit reporting or other personal consumer reports

I have enclosed proof of my identity ( ID and address verification ) and additional documentation under FCRA 605b.

Failure to act within 30 days as per FCRA Section 611 ( a ) ( 1 ) ( A ) will result in legal action. I do not consent to automated verification ( e-Oscar ). You must provide a detailed description of your reinvestigation procedure within five days of its completion. Should you fail to respond adequately, I will seek compensation of {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Student loan

This account has been settled and now has a zero balance. The loan company still has not updated my credit report and is still showing that the loan is in a defaulted status.