23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Servicer - Select Portfolio Servicing loan Number XXXX I only borrowed XXXX according to my mortgage. The bank says I owe them XXXX. I made payments for at least 10 years. I asked for my entire payment history and they said they can only go back 2-3 years. I am trying to determine why the balance is so high. they refuse to send me my entire payment history and explain why the balance is so high. 

Now the servicer tells me I do not qualify for a short sale or a loan modification. 

now SPS is foreclosing on the home. I was in a XXXX protected area and they still proceeded with the foreclosure and SPS never explained why or provided the entire payment history as to why the balance was so high. 


SPS failure to provide document copies to me regarding fees that are grossly inflating balance owing on mortgage as well as SPS failing to give consideration to the Short sale offer presented and rather stating it was in review for 3 weeks. Their Ombudsman Dept gave us conflicting information in XXXX separate conversations ; first Ombudsman stated prior to the sheriff sale date that I was ineligible for short sale consideration as I needed at minimum 37 days prior to a sheriffs sale to be reviewed and now I had only a week. Second Ombudsman post sheriff sale said that a short sale will not be given consideration because the sheriffs sale occurred and if I had actually provided the short sale offer even days prior to the sheriff sale it would have been considered. 

I provided several offer months prior to a sale date and also provided an offer a week before the sale date. If what I was told by the ombudsman department was true I did qualify for a short sale before the sale occurred. also when searching the legal news they did not advertise properly and went forward with the sale even though I was in a protected area by XXXX not to go to sale Can some Please assist me with this matter Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several request for validation and verification of inaccurate accounts on my Equifax credit report. Equifax states all are accurate and verified. After the investigations were completed I asked for the source to whom performed this verification/validation. Equifax has ignored my request. Equifax still has not provided the requested information. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
Product: Debt collection

I relocated to XXXX, Illinois on XX/XX/XXXX. At that time, my cellular service provider was XXXX. XXXX was my exclusive cellular provider since the XXXX. Up to this point, I was happy with the service. After moving to XXXX, I was unable to use my cell phone in my apartment. I could not hold conversations with people ( they could not hear me for any length of time ) or the calls dropped completely. Frustrated, I reported this issue to XXXX. After complaining repeatedly for months, XXXX finally agreed to send me a cellular service extender kit as a remedy. The remedy, however, did not solve the problem. The extender did not work consistently, at I would have to end a call, try to connect to the extender and then try the call again, with varied success. I reported this to XXXX as well. XXXX had no other solutions to offer. They indicated that there were limited cell towers in my area. This was surprising to me, as I live in downtown XXXX. This went on for months, and out of frustration, I called XXXX to cancel my service. After 10 years as a customer, they offered me nothing. 

In XX/XX/XXXX, after months of trying to resolve this issue with XXXX, I transferred my number to XXXX XXXX XXXX, which I understood had better service reliability in the XXXX area. In my opinion this was a constructive termination, because XXXX was unable to provide me reliable service. I, in effect, had to cancel. They still charged me a {$300.00} early termination fee, which I believe is unconscionable and bad business practice. I have pleaded my case to them without success, and they referred my account for collection, which is now held by XXXX XXXX in Washington state. 

I do not feel I owe this balance, and have requested, without success that it be removed from my credit report. 

Interestingly enough, I spoke with a XXXX representative one day, while at an XXXX office. He was attempting to get me to switch and I explained my dilemman to him. He indicated that he could probably get the collection account removed if I signed up with him. I did not want to incur another early termination fee with XXXX XXXX XXXX so, I ultimately decided not to do so, in spite of the potential savings on my cellular bill. I would rather have reliable service at a premium than a cheaper plan with unreliable service. 

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

XXXX has remove my bankruptcy from my report and remove it from XXXX as well but experian has refused to remove it XXXX XXXX XXXX  GA XXXX Reference number XXXX Bankruptcy XXXX  XXXXdismissed XXXX XXXX XXXX GA XXXX Reference number XXXX Record type Bankruptcy XXXX  XXXX dismissed XXXX XXXX XXXX GA XXXX- Reference number XXXX Record type Bankruptcy XXXX  XXXXdismissed XXXX XXXX XXXX GA XXXX- Reference number XXXX Record type Bankruptcy XXXX  XXXXdischarged I you look at the letter from XXXX it state that he dont suppose to be on my credit XXXX. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. 

The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use.
Product: Vehicle loan or lease

Hello. This is a report for exceter finance. I reached out the week of the nationwide lock down. To the finance company stating if they had any Covid 19 payment plan or what they can offer for customers during the pandemic. The representative i spoke to stated they had nothing. They didnt offer to push back the payment. They didnt offer payment arrangements. Reached out again in XXXX, same issue same statement. No assistance to the customers. I reached out in XXXX due to researching most car financial companies are reporting late payments caused by a natural disaster. I spoke to a representative and they stated i was eligible for a push back in 2 payments. The last representative failed to notify customers. I filed a dispute with credit bearu due to the companies inaccuracies and the credit reporting stating i was late and fail to notify customers what they could do during the pandemic. Many companies didnt report to the credit bearu and the two late payments i have are now affecting me and others from what i discovered this company did this to many of there customers. The only late payments i have are from the pandemic and they declined to remove them. The presentative stated it was the last two people i spoke to failed to assist and now my credit is on the line
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts that say charge off and that is not accurate I also have one collection account that is not mine Also one account that says 30 days late which is an error
Product: Credit reporting or other personal consumer reports

I was an always on time customer with XXXX XXXX for years. I moved and cancelled my service. I shipped the receiver back to them with the box they shipped me. They claim they never received the receiver and billed my closed account for the hardware. I received no notification of this debt until I was passed onto collections. I do not feel I should have to pay for something I returned on time. They are being dishonest and will not make any changes to my credit posting. I would gladly donate the {$440.00} to charity but XXXX should not be able to extort customers.
Product: Debt collection

I'm being sued by a 3rd party debt collector over an account that is old from 2015 over the statue of limitations which is 5 year 's in Illinois. They have been harassing me and embarrassed me with deception and unfair improperly by contacting my building manager for information which against Illinois protective acts. 
As a XXXX  XXXX XXXX XXXX woman they unfairly filed a lawsuit against me without talking with me and this lawsuit is affecting my health and well being as a XXXX  and this firm is deceptive and unfounded. This firm is violating the Illinois laws passed ACT ( ICFDBPA ) and ACT ( ICAA ) and the amount they want is fraudalant without documentation
Product: Mortgage

Loan Depot attempted to collect the auto-payment from my XXXX XXXX XXXX  account XXXX but the some of the needed funds were in a different account in XXXX XXXX. Loan Depot received a NSF response from XXXX XXXX, but failed to notify me either by email or phone ( which they have contacted me by both methods in the past ). When I noticed that the funds had not been taken for the XXXX mortgage payment, I called Loan Depot and requested the payment be taken. The agent said nothing about any fees. 
When I checked my LoanDepot account on the internet, I discovered that I was charged a late and returned check fee. They had created a letter to notify me, but had never attempted to email it to me, just sat in the webpage. 
When I chatted with their customer service agent, I was told that they " couldn't waive the fees ''. They stated " In accordance with XXXX XXXX guidelines, loanDepot must uniformly apply its policy on late fee or return fee waivers without discretion, except in cases of confirmed errors by loanDepot. For this reason, we are unable to waive a fee unless an error occurred. '' I stated that the error was not being notified, but they refused to accept any responsibility, and refused to waive any fees.
Product: Checking or savings account

I opened a fraud dispute with my bank REGIONS, under the claim id XXXX, I lost my card and there are several fraudulent charges with my debit card ending in XXXX. 
The bank denied the claim without any valid explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised. I think it started from XXXX XXXX XXXX XXXX My account on XXXX XXXX was hacked, and the email address as well as the phone number was updated into some unknown ones. So I can't receive my account at all from their automatic recovery. The hacker has got my money from the bank, updated my personal info as well as started lots of fraudulent inquires on three credit bureau. I can't find any contact email or phone number from XXXX XXXX website other than just self recovery process. 
I tried to create another account under my identity, but they even refused that as well. This is very bad experience from XXXX XXXX, and I didn't even receive any updates for someone trying to update my email or phone number. I hope XXXX XXXX had the real people to handle the issue like this.
Product: Credit reporting or other personal consumer reports

Experian is been reporting an inquiry by - XXXX XXXX  on XXXX. I had not authorized neither or had business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$14000.00}
Product: Credit card or prepaid card

I received a notification from The American Express that my credit line had closed due to a review of my account reducing my credit from approximately {$11000.00} to {$0.00}. During the review process, there were two inaccurate late payments posted to my credit report by XXXX XXXX  for the months of XXXX and XXXX. Since then, I've had had several conversations with the credit services department to use the same process in reviewing my account again to see that these items are no longer posting late and that my credit rating had been restored. However, the only two unfair and unrealistic options are to print and mail them over 100 documents from XXXX credit report where the payments were updated, the previous report with the errors on it ( another 80 pages ), and the supporting documents that outline that the error was corrected with XXXX. The second unfair and unrealistic option is to take another hard hit inquiry to my credit report. This happened while in the middle of home improvements and American Express has not been willing to resolve this matter in a manner that is fair to the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX FTC reports with fraudulent unauthorized inquiries
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company is reporting that I owe much more than I actually owe. Therefore, according to these laws and sections they have been violating my right to privacy according to lawful and fair reporting of accurate information. 

15 USC-1681s-2 ( A ) ( 1 ) 15 USC-16819 ( a ) Section 602 Section 604
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in constant contact with Transunion to address this problem and they are not cooperating. I have 19 hard inquiries on my account and they do not belong to me. 

I have THREE on my XXXX report, so how can that even be right? I have told them numerous times they do not belong to me, and that I've put a fraud alert on my account and they still refuse to delete them, at this point I feel as if they are allowing fraud to take place on account, and are not concerned about it, which is now affecting my credit.
Product: Debt collection

THEY CALL MY CELL PHONE FOR MY EX HUSBAND A MINIMUM OF XXXX TIMES A DAY STARTING AT XXXX. THEY FILL UP MY VOICEMAIL WITH RECORDED MESSAGE. THIS IS NOT MY DEBT THIS IS NOT MY HUSBANDS PHONE NUMBER IT IS MY WORK CELL PHONE. I DO N'T KNOW HOW THEY GOT IT! I HAVE TOLD THEM TO STOP THEY HAVE THE WRONG NUMBER YET THEY CONTINUE EVER DAY TO CALL OVER AND OVER.
Product: Credit reporting, credit repair services, or other personal consumer reports

AD ASTRA has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolved, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person or company shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious. 

Ad Astra Recovery Services - Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has gotten ahold of my social security number and is using my information to apply for lines of credit and its hurting my score. I do not believe i should suffer for the identity theft that has been taking place unknowingly on my credit report. I believe the right thing to do in this situation is to remove these inquires from my credit report. 
XXXX inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consolidate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX