23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have had ongoing disputes against Select Porfolio Servicing filed with the CFPB. Those disputes are under claim # s - XXXX, XXXX, XXXX, XXXX, XXXX, XXXX - XXXX, and XXXX. All of these complaints request information regarding our " mortgage '' that was supposed to be paid XX/XX/XXXX but was placed in false default by SPS, with the loan " paid out '' by another entity before receipt of our payoff loan amount. SPS has just sent us a letter, see attached, stating that they can not response to our requests for information given that the loan was serviced over a year ago. However, in XXXX XXXX, SPS acted as a servicer, without any authority, or Power of Attorney to act, by recording a new assignment, and discharge, in our County. SPS also provided information to us that our loan, prior to our actual payoff check, was placed in default due to Forced Placed Insurance ( that was not required at all ), and we were never informed of that insurance. SPS also assessed default fees and charges against us after we paid off the loan in XX/XX/XXXX. SPS refuses to identity the entity that actually paid out on the loan to SPS, and what SPS actually did with our payoff check monies. SPS states that it has been over a year for servicing, but they file an assignment and discharge, without authority, in XXXX XXXX. Obviously, SPS was still servicing in XXXX XXXX - or they have no authority to record any documents in our County. We request, again, for SPS to provide all information, regarding our loan, that we have requested, and SPS has failed to provide, and to explain why SPS continues to act as a servicer, on behalf of XXXX XXXX XXXX Bank, who has no knowledge of our loan, in XXXX XXXX, but refuses to cooperate with us to provide accurate and complete information as requested, multiple times, and under RESPA, to us..
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I received an alert someone attempted to open an account with Conn 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reporting the incorrect balance since XX/XX/2016. They reported the car was sold at a auction and the new balance is half of what they are reporting. I contacted the office to make them aware and requested a printout in which I received. I also contacted the credit bureaus in which no update was ever made to the account and provided them with the paperwork. This is causing harm when I apply for loans because its showing I owe more than what is owed. I just want the issue resolved. XXXXXXXX XXXX has charged this account off.
Product: Credit card or prepaid card

I was notified on XX/XX/2021 that there had been fraudulent charges on my Citicard debit/mastercard. I immediately called and went over the 23 charges and was told that they would give me a provisional credit and would speak to the merchants to reverse the charges. I checked in with Citibank at the beginning of XXXX when I hadn't received any documentation by mail and was told that the complaint had never been processed and then went over the fraudulent charges with the representative and was told that I'd received documentation in 7-10 days. I did received the documentation but it didn't include two of the larger charges which were to charges to XXXX XXXX XXXX XXXX of which I'd never heard. I called again in XXXX and was told that those two charges were never submitted and that they would be submitted. The two original charges were both on XX/XX/2021. Both are XXXX XXXX XXXX XXXX. The amounts are {$230.00} and {$260.00}. They did initially give me credit and then started to send me letters saying that it had been too long since the fraud for me to be credited even though these were not my charges. I called in XXXX and asked that the cases be reopened and they credited and then reversed the credit again. I went into my branch on XXXX XXXX in XXXX, NY XXXX and they agreed this was ridiculous and helped me write a letter asking that this be investigated. I received duplicate letters asking me questions about my request as if it was a dispute of a purchase that I'd charged. I explained several times in several letters that this was a fraud claim and not a dispute about a purchase, but was never responded to. I am reaching out to you because I am so frustrated and can't believe that Citibank is holding me responsible for something that they didn't handled. Please advise, XXXX XXXX XXXX
Product: Mortgage

The issue is regarding XXXX  XXXX included in my monthly payments which I am allowed to have cancelled upon meeting certain qualifications. My Policy NoXXXX. 

I have requested termination of XXXX XXXX as we have met all the conditions to make us eligible as of XXXX, XXXX. To date, I have met all the requirements for elimination of XXXX  XXXX and PHH has acted in the worst manner possible to delay the elimination of XXXX  XXXX from my monthly payment. I have called them over two dozen times, sent them written qualification paperwork, and met all their stipulations but have been getting the run-around for 3 months with delays, no return calls or emails, bureaucratic bungling and every other possible means to discourage me from pursuing this right that is due me. 

I am requesting that CFPB sanction PHH for such sleazy practices and contact them to demand immediate termination of the monthly XXXX  payments on my mortgage.
Product: Credit card or prepaid card

Dispute filed back in XXXX regarding a purchase that was returned to the merchant because the items were not as described. Poor quality, unwearable. When the dispute was opened, I provided tracking number and proof that the items were returned to the merchant and a store credit was issued. I did not intend to purchase anything again from the merchant and requested a refund. The merchant stopped responding and refused to issue a refund to my cc for items that were returned. So I opened a dispute with Chase credit card. Were are now 60 days into the dispute and Chase is still investigating the case. I was told so many different things over these 2 months, first they were saying that the merchant has 15 days to respond, then their account executive said it was 30 days. Today I received a message that I have to call them as they need more info. The claim representative wasnt sure what they needed because she could see the submitted documentation. She was unclear of what was going on with the case and why claims were reaching out. I said great, can we close this case now so I can get my money back? 
This representative responded that the merchant actually has not 15 days ( the initial timeline they gave me, and not 30 days ( timeline given by their Account Executive ) but 2 BILLING CYCLES. So which one is it? 
These people have no idea what they are doing, their staff is clearly untrained and incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, several complaints were filed with CFPB on behalf of inaccurate PUBLIC RECORDS appearing on XXXX, Experian, and XXXX Consumer reports do to IDENTITY THEFT. 

CFPB COMPLAINT XXXX CFPB COMPLAINT XXXX On XX/XX/XXXX, XXXX, XXXX, and Experian have refuse to respond with accurate method of verification to CFPB as feedback to Consumer complaint. 

XXXX, XXXX, Experian all are liable for willful non-compliance according to FCRA 15 U.S. Code 1681c 2. 

They are in federal violation and refuse to Block information resulting from Identity theft. 

Consumer issued required documents in XX/XX/XXXX, that consist of FTC complaint, Identity Theft police report, a letter from US Bankruptcy Court, and XXXX XXXXr stating Consumer PUBLIC RECORDS were deleted do to violation of the FCRA. 

After extensive research The Bankruptcy Court sent Consumer a letter stating they have no interaction with credit bureaus, including XXXX, XXXX, and Experian. Consumer discovered Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  acct # XXXX, XXXX XXXX acct # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I made the last payment in an account that was them closed from Capital One. This occurred due to severe medical issues with my father and family separation. Due to this I would like to have this removed from my credit report as it is not an accurate representation of my credit history.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I've been fighting with XXXX for over a year now to finally get my back pay that is owed to me with every loop and Dead end corner you could possibly imagine they put me through I had to identify myself six times because their system is so screwed up anyway so after that year ( loosing our first storage unit AND our home ) some months I finally was able to receive my money. Everything was okay except for the fact that anytime I made a small purchase food or anything like that they would lock my card up and I had to call to get it unlocked. Then on XX/XX/XXXX I called to let them know I had misplaced my card, balance of {$18000.00}. Then the very next day I was checking my balance and it said that there was {$6000.00} left. I Asked them how that was even possible when I let them know that I had my card missing and they were sending out a new one they didn't answer me. Also that fact that how could they let a {$9000.00} transaction go through like nothing and multiple other {$1000.00} XXXX charges and bank transfers ( that wasn't my account ) not red flag it or think it's suspicious activity... So I'm waiting a couple days for my card it comes in the mail okay fine I go to pull out money and it says transaction declined I called the bank and it says I have {$30.00} left in my account that I'm not even allowed to take out so like anybody else in this world would be I was furious because why did they not put a stop on my card to begin with when I asked them and told them that my card was missing and they new these charges couldn't have been me doing the transactions because I didn't have a card they canceled the old one and we're sending a new one on its way. I have a baby that I'm going to be living in our car all because of this I'm going to lose my storage unit it's going to cost me my job because I couldn't afford gas at the time or anything. Finally on XX/XX/XXXX I was refunded back {$9000.00} out of the {$18000.00}. It was after Bank hours so I could not go into the bank to withdraw money I tried to use the card that they had sent me and they said it had been compromised again and I went through the charges on my account and the same people had gotten my account information and somehow knew every detail and personal information to my bank account and we're changing my passwords and making XXXX XXXX transfers to themselves using my name in XXXX I live in XXXX I've never been to XXXX  but they let them do it over and over again for more times actually and now they refuse to refund that money. So again my XXXX XXXX XXXX XXXX XXXX XXXX XXXX myself and my fiance have nowhere to live.
Product: Debt collection

I was contacted by an unknown number that left a voicemail. Said his name was XXXX XXXX and had documents for me and I had to sign with a witness. I was given a call back number. I called and I do n't believe they identified who they were. The man said something about a Citibank account- Shell card.  Now this is a debt I do owe but their information was not lining up. They claimed they were working with Citibank to collect and that if I did n't comply, they would sue. I contacted Citi and they no longer own my account- it 's been sold to a debt buyer which I 'm unsure who owns it. But they gave false information stating Citi would sue. Mind you, this is an account that 's maybe 400 dollars. When I told him I was not home for the courier, he said they would go to my wife 's work. My wife is not on the account with me so that right there is a red flag. When I XXXX  the number all sorts of things came up and most experiences were similar to mine. I contacted the police and they too think it 's a scam
Product: Debt collection

I have sent documents to Portfolio Recovery Associates and have yet to repond to me. Ive requested documents on this alleged debt multiple times and nothing. All they've been doing is harrasing me to pay them but i dont even know why they are charging me or who they even are.
Product: Credit reporting

i XXXX is now doing this to help clear up my credit with this company call transunion consummer relations they send me a letter out telling me i was credit was denial now i want to have it recheck by some other company and have this company remove off the list of people that keep trying to stop me from getting my credit clear up theu have been doing this for over 7 years now and i am about to get mad over this now it is about time to put a stop to people that do not want others to get head in the world now hope you can see to help me get this done to stop company that do this to other people now thank you XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, I have disputed a Bankruptcy reporting with XXXX, Experian, and XXXX. I initiated the investigations a total of four times with no success. The dates are as follows : XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 In accordance with the FCRA, the Consumer Reporting Agencies has not updated or removed the errors from my your credit reports after discharge! Due to the Bankruptcy showing on my report, its ASSUMED by creditors as being active. I am disputing the item now through the CFPB in hopes to get this issue resolved after four unsuccessful disputes that I certified mailed in writing. Thank you in advance! 

Concerned Consumer ... ..
Product: Credit card or prepaid card

On XX/XX/2021 I was charged {$19.00} for an annual club membership from XXXX XXXX to their store credit card by Comenity bank. I did not subscribe to their service. I have for the past three years had to call XXXX XXXX and dispute this charge. 

I originally called XXXX XXXX on XX/XX/2021 to have the charge removed. They said they did not know what the annual club membership was and could not remove it. They then transferred me to another department, but that department could not help either. I was transferred multiple times to different departments, none of which could help resolve the issue. 

On XX/XX/2021 I called Comenity Bank and disputed the charge. They told me to wait a few days for XXXX XXXX to respond. While on the phone with Comenity Bank, we called XXXX XXXX together and tried to resolve the issue. We were transferred to multiple departments, none of which could remove the charge- with the agent from Comenity Bank on the phone. 

On XX/XX/2021 I called XXXX XXXX again and was transferred to multiple department. Finally one agent told me that the claim had been dismissed. I still have not received a credit from XXXX XXXX and do not understand how my complaint can be dismissed when I have asked for a refund multiple times. 

Since then, I have been charged late fees ( {$21.00} ) and XXXX XXXX  still has not refunded the amount for the club membership.
Product: Debt collection

Jefferson Capital Systems is sharing my nonpublic information with non affiliated third parties XXXX, XXXX AND XXXX. Jefferson Capital Systems does not have my consent to have or share my private personal information. They are violating my right to privacy as a consumer, reporting inaccurate, false, damaging information to the consumer reporting agencies. they are in violation of multiple federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Experian that I want to court regarding the XXXX. XXXX account being purchased by XXXX XXXX.and their Attorneys dismissed the case without prejudice because there was no evidence of validation nor verification. They still have the account as a negative on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> To : Equifax Information Services LLC, XXXX and XXXX XXXX XXXX XXXX : Request for Removal of Birthdate and Social Security Number Due to Identity Theft Dear [ Equifax XXXX XXXX XXXX XXXX ] Customer Support Team, I am writing to formally request the removal of my birthdate and Social Security number from my credit report due to concerns regarding identity theft and a recent data breach. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 
The unauthorized exposure of my personal information has heightened my concern that keeping sensitive information, such as my birthdate and Social Security number, in my credit file poses further risks for potential misuse. To help safeguard my personal data, I kindly request that you remove my birthdate and Social Security number from my credit report. 
Enclosed, I have included documentation, including proof of my identity and relevant reports filed with the FTC, substantiating my identity theft concerns. 
Please confirm in writing once this information has been removed. For further inquiries, you may contact me at XXXX or via email at XXXX. 
Thank you for your prompt attention to this request. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company preys on those who are already in a bad situation and in need of assistance and they claim to do something but i have not gotten anything taken off of my credit report and pne of my creditots was a hospital e.r. visit and i called my health insurance carrier and found out I was covered that whole year so I asked if this credit repair agency XXXX XXXX XXXX could get the invoice number so I can get this taken off my credit it's been I don't know 3 weeks or something and nothing 's been done and they charged me a hundred and something dollars and when I try to do the chat window I said on this waiting waiting waiting waiting window for I don't know how long 45 minutes or something finally I just hang up you know I have to
Product: Student loan

I was a struggling single mom trying to repay student loans but sent to forbearance for years. I 've been paying on these loans since 1998. They sold min to XXXX a few years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, XXXX, and Transunion decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$910.00} XXXX ( original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Debt Collection Practices Act, debt collectors are required to validate the debt within 30 days. I sent a debt validation letter certified mail to the company XXXX XXXX XXXX XXXX and it was delivered XX/XX/year>. The company has not responded to my letter, and it has been past the 30-day period. This is a violation of the FDCPA the company must stop all effects to collect this debt.
Product: Debt collection

This debt that Im including, was disputed and removed previously. However, the agency keep reporting under other names, the same debt that does not belong to me. Commonwealth Financial XXXX XXXX XXXX XXXX XXXX XXXX  Please assist.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

In XX/XX/year>, I was contacted by Genesis ( Columbia Debt Recovery LLC, website : XXXX XXXX XXXX ) regarding a {$19000.00} debt I supposedly owed for an apartment lease in a state I have never lived in. In the initial call, I indicated this was the result of identity theft. I promptly sent the requested information to Genesis that include proof of my actual residence ( property tax statement ), pictures of my driver 's license, police reports, and FTC identity theft submission. They continue to call me indicating this debt is mine and claim they do not have the information I submitted to them. The individuals from Genesis on the phone are rude and condescending. When I offered to immediately re-send them the requested information, they gave me an email address and then immediately hung up the phone.