23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is my second complaint, the first was submitted to my lender, Select Portfolio Servicing on XX/XX/XXXX with no response. 

As stated previously, I have title to the property located at XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX, however the loan is in my deceased parent 's names, XXXX XXXX XXXX XXXX. I am the successor. I asked for a forbearance during COVID over the phone without any paperwork signed or a discussion of repayment options. I was able to renew the forbearance several times. I began receiving notices stating the forbearance was coming to an end with no end date. 

After a total remodel of the main home due to an unreported water leak, I was able to rent 2 of the homes and resume mortgage payment. My XX/XX/XXXX payment was accepted, then my XXXX payment was returned. A Notice of Default was filed. I began the process of assuming the loan in XX/XX/XXXX. After submitting and resubmitting documents they refused I was able to complete the assumption package XX/XX/XXXX. In the meantime a company, XXXX XXXX XXXX XXXX file a Notice of Sale for XX/XX/XXXX. 

Several customer service reps at SPS told me the foreclosure process would be halted during the assumption process. I was read a statement by my assigned Relationship Manager, XXXX XXXX stating SPS can ask for a change in the date of sale. She refused to tell me if they have asked. Today I spoke with XXXX a customer service rep who told me they can not ask for a change of sale date, but could not tell me why or direct me to someone who could ask. Instead he told me to call SPS attorney, XXXX XXXX to ask them to change the date of sale. I told him I have called and left messages with no return call. 

I have to wait 7-14 days for an answer on the assumption which will be less 23 to 30 days before the sale, leaving me no time to sell myself if I am denied the assumption. 

My contention is I am being treated unfairly and they are not attempting to help me keep the property. They will not accept a partial payment, payment arrangements or a loan modification. 

Thank you in advance for your attention and assistance in this matter. 

Kind regards, XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

I wrote a check a XXXX ( XXXX, WI ) on XX/XX/XXXX for goods purchased, {$270.00}. This check ( # XXXX ) has cleared. This was verified by our bank ; XXXX  XXXX XXXX, XXXX, WI. I have the original receipt and bank statement, also provided to XXXX. 
XXXX initially and incorrectly entered the amount in their system as {$210.00}. This was charfed to our account, but reversed on XX/XX/XXXX. The correct amount then was cleared via our bank ; again verified with the bank. XXXX has claimed, via TRS Recovery Services, that we owe {$240.00}, which represents the mistaken amount of {$210.00} plus a finance fee XXXX ; totaling {$240.00}. This was bullied out of us on a charge card on XX/XX/XXXX via TRS to attempt to clear our credit. ( XXXX among others ) We need the debt completely cleared ; a refund on our credit card, and any associated negativity removed from our credit history. 

We need your help! 

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

I have attached an FTC report with 3 fraudulent accounts along with fraudulent inquiries
Product: Checking or savings account

I called M & T corporate office on XX/XX/XXXX, & was specifically told by agent my account would not be closed.while dispute is still going on, I went to branch in XXXX to have all appropriate paperwork sent to appropriate dept. 
Eleven days later while trying to use my cc, vendor showed declined, so I called corporate office and told acct is slated to be closed next week & never received my paperwork from XX/XX/XXXX. 
Three hours later I go into XXXX Md branch to pull my own money, come to find out the XXXX XXXX branch closed it @ XXXX, after being told Everything I was told. 
XXXX XXXX told XXXX mgr check was put in mail. COMPLETELY LIED So next day called bank that closed adamantly refused to put mgr on phone, lied originally and told she wasnt even there BUT when corporate office called they spoke to her.

Adamantly refused to send my {$19000.00} out but no way to pay bills or no common courtesy for me to come in ahead of time before they put their grubby hands on my money.

Completely unprofessional and rude. 
Multiply lied to as well on several occasions
Product: Mortgage

Late fees since XXXX XXXX to XXXX XXXX needs to be review with lender. We believe the late fees are incorrect.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed information, accounts, or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these filesXXXX 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 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the data breach at Experian I decided to put a freeze on XXXX XXXX, XXXX on my credit to help prevent issues. However, of the XXXX credit agencies, Experian made me pay a {$10.00} fee to do this that the other XXXX did not. I feel this is wrong since they were responsible for data breach and now asking for us to pay to protect ourselves??? I think you need to get them to refund these payments since they did not adequately protect consumers information. Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX I submitted a request to delete inquires on my credit report ... .They say shifted the burden back to me to contact the original creditor to verify these inquires which is clearly in violation of 1681 ( a ) ( 4 ). I want all inquires removed which are not tied to an account on my credit report ASAP. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED inquires listed below are not deleted within 10 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

OLIPHANT, XXXX XXXX AND XXXX ARE IN VIOLATION OF MY RIGHTS BY REPORTING INCORRECT AND INACCURATE INFORMATION. NOTE THE DISCREPANCIES IN THE TWO ATTACHMENTS. I WAS ALERTED TODAY BY MY MONITORING SERVICE THAT THE BALANCE ON A LONG CLOSED COLLECTION ACCOUNT INCREASED. OLIPHANT HAS NOT PROVEN TO ME THEY HAVE A RIGHT TO COLLECT, THEY ARE NOT REPORTING AS A COLLECTION BUT AS " OTHER '', AND THEY INCREASED THE BALANCE ON A COLLECTION ACCOUNT WHICH IS NOT LEGAL. HOW CAN OLIPHANT CHARGE ME INTEREST? I HAVE NO CONTRACT OR AGREEMENT WITH THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my sensitive personal information, putting me and hundreds of thousands of other Americans at risk of having our identities stolen. I am listed as a potential victim of their security breach on their website http : //www.equifaxsecurity2017.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$4400.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$750.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2300.00}.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Invitation Homes and Esusu for Unauthorized Disclosure and Discriminatory Credit Reporting To Whom It May Concern, I am filing a formal complaint against Invitation Homes for unlawfully disclosing my private financial information to Esusu Financial without my consent and against Esusu for their discriminatory decision to stop reporting my rental payments to credit bureaus. 

I am a Section 8 voucher holder renting from Invitation Homes, where XXXX XXXX XXXX XXXX ( XXXX, Georgia ) makes my monthly rent payments. 

However, I recently discovered that Invitation Homes disclosed to Esusu that my rent is paid through a government program without my authorization.

Their duty is solely to report whether my rent is paidnot to disclose who is making the payment. This was a clear violation of my privacy rights. 

Due to this unauthorized disclosure, Esusu stopped reporting my rental payments to credit bureaus in XX/XX/year>, despite having initially reported them since XX/XX/year>. 

Esusu has stated : Consequently, these payments are not being sent to us since we do not report rent payments that are government-funded. 

Their decision was based entirely on Invitation Homes improper disclosure of my financial situation. 

This action has unfairly harmed my ability to build my credit, which is discriminatory toward tenants who receive government assistance. 

My rental history should be reported based on whether my rent is paid on time, not the source of the funds. 

I believe Invitation Homes has violated my privacy rights, and Esusus reporting policy creates an unfair disadvantage for low-income tenants who rely on housing assistance. 

I request that the CFPB investigate this matter and take appropriate action, including : 1. Holding Invitation Homes accountable for sharing my private financial details with a third party without my consent.

2. Requiring Esusu to reinstate the reporting of my rental payments to the credit bureaus, as rental history should be recognized regardless of the funding source. 

XXXX. Preventing further privacy violations and discriminatory reporting practices that negatively impact Section 8 tenants.

This situation has directly impacted my financial standing, and I appreciate the CFPBs prompt attention to this matter.

I am including both parties to my complaint. Please see attached documents that were uploaded for myCFPB complaint on Invitation Homes. It pertains to both parties. However I received a email from CFPB stating that Invitation home was not in their system. Which I find it very hard to believe. So please include Invitation Homes with this complaint. 

Please let me know if you need any additional information or documentation. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, a fradulent transaction appeared as a debit on my account for {$59.00} from XXXX I subsequently disputed the transaction and contacted XXXX The merchant acknowledged the mistake and replaced the missing funds ( XXXX ), however there was never a provisional credit issued in this case. Chime simply took the funds that were replaced by XXXX I have wasted hours of time over the past two weeks attempting to make sense of this to the broken english operators and supervisors at chime to no avail. The new card says it was delivered on the the XXXX, but still has not been delivered. The funds are still missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently 9 inaccurate late payments reported on my credit for multiple loans which have all been reported on my credit reporting/affected my credit score. These negative reports were for supposed late payments on XX/XX/XXXX and XX/XX/XXXX. I was enrolled in a XXXX XXXX  program from XX/XX/XXXX until XX/XX/XXXX and thus my payments were deferred. I have attempted to rectify the issue with the lender multiple times ( at least 5 ) in XXXX and there was no resolution. I submitted proof of enrollment as well as what is reported on my credit report and they said the information was accurate with no explanation as to why or acknowledgement that I was in fact enrolled XXXX from XX/XX/XXXX until XX/XX/XXXX. Before XXXX  school, I had never missed a payment.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items 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: Credit card or prepaid card

Incorrect Interest Saving Balance being assessed by Chase. See attached annotated statement for relevant information and explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX fraudulently reported that I owe an outstanding XXXX XXXX balance to Experian. I do not own a XXXX XXXX account nor have I had XXXX for over a decade or so. Upon researching the company, I see that there are several scams involving this company as reported on the XXXX website here : XXXX XXXX XXXXXXXX. 

The organization claims that I owe a balance of {$2100.00} and paid {$1600.00} - I haven't paid any of this as this is inaccurate and false information. I opened a dispute with Experian as soon as I discovered this account ( around XXXX XXXX ). Today ( XX/XX/XXXX ), I received the following from Experian " The dispute for the account with investigative recovery services was not changed as a result of processing your dispute. The company that reported the information has certified to Experian that the information is accurate. '' i have since called Experian and they said that the organization was able to provide my SSN, Address and Name so Experian left the account on my credit report. As I see it, if my information has been jeopardized as it has and given the many data breaches that occur each year, the fact an organization has my SSN, Address, and Name should NOT be enough to prove that the account is mine. 

This request to follow up on this fraudulent activity is especially urgent because our family is in the process of purchasing a home and this will disqualify us for a mortgage. 

Thank you in advance for any help you can provide me and future consumers being targeted by this entity.
Product: Student loan

I have tried multiple times to get this loan refinance to a lower rate to only be told that I could not do it even though I got my other loans refinanced. They have also miss XXXX payments that does not seem to be corrected. The current interest rate is 14.25 %. My current balance is {$17000.00} on a loan with the original amount of {$6600.00}. I have been paying on this loan since XXXX.
Product: Credit reporting or other personal consumer reports

Trans Union did not conduct a reasonable investigation of disputes of hard inquiries in credit files, or in the alternative, did not remove the disputed hard inquiries Trans Union that his credit report was obtained without a permissible purpose, Trans Union did not contact the company that requested the credit report, nor did it remove the hard inquiry he disputed
Product: Debt collection

I XXXX XXXX sign up with XXXX XXXX XXXX and was told I was paying for the class with a Pell Grant that was free and did not have to pay out of pocket.

I was not able to complete the course because I got sick. Theirfore, I was told by the school the Pell Grant that I was represented to be free that I had to pay because I did not inform their school. 

My mom spoke with the school also and was told they would check into the matter. 

I was informed that the funds from the Pell Grant had to be sent back to the USDE because I did not finish the school for the full course. 

Also, the school referred my account to a collection agency that have called me from different numbers attempting to collect money for XXXX XXXX XXXX  that solicited me that my course was free since my income qualifies me for a Pell Grant that is free that does not have to be paid back.
Product: Mortgage

On XX/XX/XXXX, my mortgage servicer, Selene Finance, placed a notice of default on my property while i was one month late on my payment ( due for XXXX ). When i called the company, they said because my current payment ( XXXX ) " technically '' is due on the first of XXXX and i had not paid that payment either, therefore, I qualified for the Notice of Default on my property. 

This is ridiculous and contrary to how they and other banks in California have handled delinquencies. Not only is this hurting my chances of refinancing my second trust deed, again after the Great Recession that i seem to be unable to recover from and now this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX  - XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XXXX ) I tried to open a savings account a a local credit union who told me they'd need to check my credit. No problem, it's over XXXX XXXX. 

They say they use Equifax. I have a freeze on my accounts so they told me I'd have to lift the freeze with Equifax. For over an hour I have been yanked around trying to lift this freeze with Equifax. Their website said it didn't recognize the password. When I hit the line to rest my password it replied that it didn't recognize my information ( already triple checked for accuracy ). I called. Got the standard forever time-wasting and utterly useless recorded ads and messages wasting my life further.

After struggling to talk to a live human, I finally got one. After 30 minutes of answering irrelevant questions like what department store credit cards do I have ( none ), etc., dozens of questions again and again, many I'd already answered. Then I'm told they can't confirm that I have an Equifax account ( though they've already admitted they do indeed have a freeze issued by me ) and I must send them my driver 's license and SSN card and 'sign documents ' or they refuse to lift the freeze. I tell them I have the ten-digit PIN that Equifax itself issued me, but then they say, oh no, we don't recognize PINs anymore.

So ... here I am, a citizen who has " excellent '' ( look it up ) credit being criminally barricaded from obtaining a savings account to due to Equifax malfeasance. I asked to speak to a supervisor who said his name is 'Dane XXXX but refused to give his last name. He merely repeated the same barricade procedure. 

I submit that this is all just a designed buffer process to avoid the expense and effort to establishing and lifting freezes. It is criminally crooked. It is intended to never end and to frustrate consumers until they shut up and go away, saving Equifax money. I have worked hard to establish " excellent '' credit but owing to Equifax 's intransigent, stubborn incompetence I am permanently blocked by them from opening a savings account. It's criminal. It's crooked. Consumers don't deserve to be so abused by credit reporting agencies.