23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The first time select portfolio servicing miss appropriated the principle funds on my Account was The First Payment in XXXX. They did not pay on the Principle. They held the payment for more than 5 Days. Posted it late. Then they sent me a letter about setting up an Escrow Account as an Excuse. This theft pays out for the life of the loan. SPS is still stealing from me on this one. 
The second time sps miss appropriated the Funds on My Account was/is 6 months later. They modified the payout without notice or permission. Sent Me a Statement for 2 months only one payment and did not make the correct payment on the principle. Basically, It says. Don't worry about paying the XXXX payment. Pay XXXX and We'll only charge XXXX $ plus Your regular payment. I called them XXXX. I was told to call back in a couple of weeks to see if it's fixed. Two Times in 6 Months. 
They ASSUME EveryBody has a Computer. Sps has sent me several demand letters for asking for Proof of Insurance Coverage and  threatened to charge my Account XXXX $ for Insurance. My Home was/is Insured. I called the Insurance Company for Them. Told them to Fax Them the Policy had been Changed to sps on XX/XX/XXXX. On XX/XX/XXXX I get another Demand Letter Demanding written authorization signed by all signers of the original mortgage documents which states that you would like to set up and Escrow Account And Copies of current property tax and hazard insurance billing statements showing that these Items have been paid in full for the next ( 12 ) months. Evidence may be in the form of A. A paid in full receipt or B Front and back copies of your checks used to pay the Item in full. That's Verbatum to the Demand Letter. My Account had an Escrow Account when They took It over. 
They can't get the statements out in a reasonable amount of time and are trying to force me to pay late penalties. I've had to call sps more than 10 Times in 6 Months spending a lot of My Time dealing with their Demands. I've also E-mailed Them a couple of Times. I sent a Written Notice of Error on XXXX sps has Pressured Me EXTREMELY HARD for Online Payments. 
My Account. The Account sps acquired from XXXX XXXX Manufactured Housing has/had an Escrow Account Set Up. I did not borrow money  from sps. 
It's XXXX around XXXX XXXX Central USA Time and I'm Posting This. sps has not called me back or e-mailed me back with news that My Account has been corrected. 
sps has done this and other things to people on many other acquired Loans. They have not stopped stealing from People.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, with original XXXX XXXX for XXXX is still showing on my credit report, when I have consistently reported information incorrect, and due to possible fraud. It needs to be removed immediately, otherwise I will take legal action. 

The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information.

According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after confirmation of errors.

A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact accurate. 

The credit bureau has no respect for laws, and I expect them to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to privacy.

15 USC 1681 Sec 604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding multiple hard inquiries on my credit report that I did not authorize. Every time I submit a dispute, it either gets auto-denied within 15 minutes or takes up to 40 days for a response. I would like a thorough review of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Negative old debit paid by XXXX not removed. Medical believed to be paid my Medicaid was charged as bad debit against credit report. XXXX & XXXX have corrected but Equafax will not remove. Equafax is reporting XXXX Mortgage as Installment Loan ... 
Last is Judgement that was reported to credit agencies in error. XXXX XXXX removed and XXXX removed. Other agencies are showing satisfied and will not remove. They are requesting court made error. Which will never happen and they wo n't try to verify for removal. I have filed an online consumer complaint against Equafax. 
XXXX XXXX # XXXX
Product: Debt collection

On XX/XX/year> I realized I had an in accurate account on my credit report. From Plaza Services for the amount of {$3700.00}. Address is XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
I do not have any legal contract with this company or acknowledge of this company.
Product: Student loan

I am filing this complaint because I to the CFPB to ensure that I get a direct and certain response from the credit regarding a notice of dispute concerning inaccurate payment information I have for the company. Please see the important documents attached.
Product: Checking or savings account

On XX/XX/2021, JP MORGAN CHASE Bank processed a dispute of a debit charge from my account in the amount of {$2900.00} to XXXX. They reversed the payment and handed me a temporary credit. I immediately called to tell them that this was not a fraudulent charge that it was my mortgage payment and it should be processed. On XX/XX/2021 JP MORGAN CHASE canceled the claim and removed the temporary credit of {$2900.00} from my account but they didnt send it back to XXXX. It is now XX/XX/2021 and my money is still to be received by my mortgage institution, TDECU, or back into my checking account. I have called JP MORGAN CHASE multiple times and its always the same excuse that it was 45 days and now that the 45 days are up that I have to wait for XXXX. This was not a credit card charge this was a debit card charge - that money is mine and JP MORGAN CHASE has been keeping it since XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following inaccurate information against BMW Financial Services. I have leased with BMW twice. The second lease I was eligible for early lease due to a promotional offer at the time. I started a new lease in XX/XX/2017 and was assured that since it was the beginning of my lease, my payment dates will not be affected. On my credit report they reported me for a late payment in XXXX when in fact that was inaccurate. I paid twice in XXXX and was early for XXXX payment. They had a glitch in their system and they failed to notify me. I notified XXXX and filed a dispute, but unfortunately they couldnt do anything and advised me to reach out to BMW. So I reached out to BMW and they mentioned it was a system glitch and also mentioned I was always on time with my payments. Because my account is closed and paid I full, they can not remove the late payment on my credit report. 

Enclosed are copies of my payment history and you will see that I made two payments in XXXX and in XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal dispute regarding an inaccurate charge-off on my credit report related to XXXX XXXX XXXX As documented in the attached evidence from the secondary credit bureau, XXXX, this account has been deleted following an investigation. Despite this, Experian and Equifax have not yet updated my credit report to reflect the removal of this account.

I am requesting CFPBs assistance in ensuring that Experian and Equifax promptly remove this charge-off from my credit report in alignment with the findings of XXXX. This account was removed due to identity theft, and it should no longer appear on my credit file. 

XXXX XXXX XXXXXXXX Bal. {$0.00}
Product: Mortgage

Was notified XX/XX/XXXX ( XXXX  ) that additional funds were to be provided by me to close escrow in 2 hours or seller was walking. Additional funds included a duplicate payment for flood insurance ( {$520.00} ) and a " Lender required payment '' for a credit card balance that showed up on my credit report dated XX/XX/XXXX which included XXXX credit information ( {$1800.00} on credit card ). However, XX/XX/XXXX, I was formally removed from that credit card as it still belonged to my ex spouse and I have been divorced since XX/XX/XXXX. I have not been liable for whatever balance that credit card may have had since XX/XX/XXXX, as it states in my divorce decree. 

I provided the additional funds aware of the errors to not lose the home as the lender stated they'd fix the errors after. Since I had to leave work early , drive to 2 locations to meet their notary, and because the messy process and errors, the title company ( XXXX XXXX ) also stated I would get a discount of {$300.00}. XXXX XXXX acknowledged the errors and stated they needed approval from XXXX  only for the " Lender required payment '' refund of {$1800.00}. XXXX  stated they needed approval from the Caliber Home Loans Underwriter prior to notifying XXXX XXXX. The underwriter was waiting on a payoff receipt for the credit card prior to approving. It was explained numerous times there would NOT be a payoff, that the credit card was still active but not in my name. I had requested my credit report be pulled again and not until XX/XX/XXXX was it pulled. Even with the new credit report, I was given the run around on if that would suffice and who was handling my open issues. XXXX XXXX is still awaiting approval XX/XX/XXXX and NO one is responsive from XXXX or Caliber Home Loans. 

I have numerous emails going to all 3 companies and the parties that were handling my case with no resolution. It has now been over 3 months and I still have not received my refund totaling {$2600.00} from XXXX XXXX due to the lack in approval from XXXX  and I have not received any response from XXXX  or Caliber Home Loans even after giving them a week notice of filing this complaint if not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

on both XX/XX/2021 and XX/XX/2021, I sent dispute letters to all three credit bureaus for the accounts on the letters attached to this complaint. 

I then followed up with a demand and comply. 

Lastly, I sent settlement letters for the violations on behalf of each credit bureau. 

I have yet to get any responses with results or notice of inaccuracies with my disputes. 

All letters are attached to this complaint. 

this is also a follow up to complaints XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I sent a certified letter to TransUnion and XXXX XXXXXXXX XXXX XXXX XXXX about 3 accounts on their reports to validate and to update my personal information Back in XXXX XXXX in which the 3 accounts were showing as being charged off back in XXXX. Shorty after reviewing my credit report after. The 3 accounts are now showing back up on my credit as open and active. Im very disappointed about the inconsistency of the reports that are now showing up on my credit reports. The account and account numbers are listed below. XXXX XXXX XXXX Account # XXXX charge off date XXXX XXXX XXXX  Partial Account # XXXX charge off date XXXX XXXX XXXX Appliances partial account # XXXX Charge off date XXXX XXXX However I wasnt notified of the status being updated from being charged off to being active again. The accounts were removed and they are now showing on my credit. 

In addition, I did not give TransUnion or XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has previous late payments on my account during the time I was in forbearance. According to The CARES Act, which was signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief. 
The reported me XXXX XXXX XXXX XXXX XXXX late in XX/XX/XXXX when I had funds for the XXXX that was used to cover behind payments of XXXX after forbearance. But they report me late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( JPMCB CARD XXXX )
Product: Credit card or prepaid card

A charge of {$280.00} from " XXXX '' was received on my Bank of America card on XX/XX/19. I did not know who this merchant was and did not make any purchases for this amount. I called Bank of America, they closed my account and issued a refund and a new card. 
XX/XX/19 I received notice from Bank of America that the fraud claim was denied as I had done business with this merchant before. After more phone calls I discovered that " XXXX '' is actually XXXX. 
With that information, I could confirm that this was now a disputed charge. I did have an account with XXXX which had been closed due to an expired credit card on file. I did not want to renew this account so prior to the expiration, I confirmed with a rep through the XXXX online chat feature that the account would just expire. To be sure, she told me she had unchecked the 'auto renew ' option on my account and I had nothing further to do. 
I sent hard copies of the emails from XXXX and a letter detailing the timeline to Bank of America on XX/XX/19 to the address in the letter they sent to me which had denied my initial claim ( they do not accept emailed copies ). I received confirmation on XX/XX/19 that they had reopened my claim and I would receive a response within 30 days. XX/XX/19 - No response from Bank of America, I now have a bill for {$280.00} due on XX/XX/19, they state they have not received my documentation, the XX/XX/19 claim needed to be reopened ( even though I never received any notice that it was closed ) and I am responsible for making payments until they resolve the issue. Bank of America first dropped the ball by allowing an expired credit card to be charged, they conveniently never received any of my documentation, they somehow closed an active claim with no communication to me about it and now they want me to make payments on a transaction that should not have happened in the first place.
Product: Credit reporting or other personal consumer reports

Your notification of a 60-day timeline for resolving my credit report dispute is unacceptable and a clear violation of the Fair Credit Reporting Act ( FCRA ). Under 611 ( 15 U.S.C. 1681i ), you are legally required to complete an investigation within 30 days of receiving a dispute, or within 45 days if additional relevant information is provided. There is no provision under the FCRA allowing for a 60-day response period. 

Given the urgency of this matter and the impact on my financial standing, I demand that you locate my credit file, complete the investigation, and provide a full resolution within 15 days from the date of this letter. This expedited timeline is warranted due to your prior failure to resolve the issue promptly. 

Failure to comply with this demand will leave me no choice but to escalate the matter. I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Pennsylvania Attorney Generals Office. 
Seek legal action to enforce compliance with the FCRA and pursue damages for the undue delay and harm caused. 
Notify federal regulators to audit your compliance practices. 
This is your final notice. I expect immediate confirmation that my credit report has been located and that the investigation and resolution will be completed within the specified timeframe. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I used Paypal to send a payment to purchase software from a company called XXXX. XXXX ripped us off and I disputed the charge through Paypal. We received a refund. Mysteriously, on XX/XX/XXXX I was charged ( 2 ) charges from XXXX for {$49.00} and {$79.00}. I did not authorize these charges. I reached out to XXXX at XXXX XXXX XXXX XXXX XXXX which is the number on their website. They do not receive calls. They only have a recording that says no one can take calls. There was a number in the Paypal transaction that I tried to call XXXX XXXX also with no success. Paypal closed the case with the response of : The payment in question was sent as part of a billing agreement you previously set up with the merchant. 
We've now canceled this agreement for you to prevent any other unwanted transactions. Moving forward please be sure to review all your active billing agreements. If you need a refund for a payment sent using an active billing agreement, please contact the merchant directly. 

First off, I do not know what a billing agreement is or that one existed. Secondly, if this was linked to the rip off purchase last year, then why did no one terminate the billing agreement when I received a refund last year? 

Paypal has put this situation in my lap saying I must contact the merchant. The merchant is impossible to contact. I want a refund for these charges. I did not authorize them. I did not authorize a billing agreement. I do not want XXXX 's software that they already ripped me off on once. We already had a battle with XXXX last year and was awarded a refund by Paypal. Paypal should have never authorized them to ever charge me again. 

The claim number is XXXX. Paypal declined to process the refund claim.
Product: Debt collection

Ditech Sent the Complainants a Fraudulent Foreclosure Notice Complainants lodged routine inquiries about late charges and HAMP program performance irregularities with Ditech. Instead of responding subtantively, Ditech retaliated in a hostile manner and threatened the Complainants with foreclosure. 
Complaints received a certified letter on XXXX XXXX, 2016 ( dated XXXX XXXX, 2016 ) that was styled as " Texas Notice of Default and Right to Cure. '' The notice purports Complainants are two months behind on their lien payment. In fact, on the day this letter was mailed by Ditech, the Complainants were only 17 days past a XXXX XXXX, 2016 due date on ONE SINGLE payment. 
Full Text of Complaint is Attached.
Product: Credit reporting or other personal consumer reports

I have my credit frozen with Experian, XXXX, and XXXX. I have had it frozen since 2016. Today, I attempted to login to Experian to review my credit freeze, request my annual credit report, and submit a fraud alert on my credit and am unable to access my account. I am able to login to XXXX and XXXX, but not Experian. When I attempt to obtain my user name, the credit agency says my birthday and ssn do not match. Attempting to reset my password using my email address results in a failure authenticating my phone number. Attempting to create a new account results in " technical difficulties '' error. Calling Experian support results in a bot advising me to visit the website or receive mailed instructions, but no support via a human is possible. I am not able to unfreeze my credit without access to this account, and this is a problem obviously if I wanted to apply for a loan. I have read that Experian accounts are vulnerable to hacking, and I am concerned that this is the case with my account. Please help me regain access to my credit and consumer account with Experian, and force them to improve their security. 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Product: Mortgage

I applied for the loan XX/XX/2020 and they have lied about property I owned, not updated my pay off amount that I pay monthly for the past six months to adjust the loan amount, not given me access to my account on line because I cant remember the user name or password, wanted to have me resign documents when the charges were wrong and I paid the appraisers, re ran my credit report doe no reason, said I was in the hawk report to drag it out. I never signed the new loan papers and they just sent me a letter with charges and a new loan that should have closed in XXXX. I have emails and emails of proof about trying to contact and asking for paperwork I had already submitted to draw the out so they still make the interest and when I would have saved five years off of my loan it would be more like four. I didnt sign the new loan documents the lady came to my house and I have a witness to prove it. I told them no that I would find another company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has XXXX credit inquires ( XX/XX/XXXX & XX/XX/XXXX ) on my credit report that were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last XXXXl years I have been disputing an account on my credit repirt that is not mine. the account shows discrempencies and I have placed a fraud alert and filed a identity theft report with FTC. I have asked for the contact that I signed for account and the credit repait companies XXXX experian and XXXX have not sent me that validation information nor have they removed this from my report
Product: Checking or savings account

Hi, I recently opened a bank account with XXXX XXXX  XXXX XXXX  ( XXXX XXXX XXXX  ). During the account opening process I was told that deposited checks would be credited within five days. Last week I made a check deposit and after five days I made a payment of {$200.00} via ACH to Discover in order to open a secured Credit Card. 

Today, I found out that XXXX XXXX  XXXX XXXX  did not credit my check deposit within the time period I was told. As a result, I was charged a {$35.00} dollar transaction fee and my {$200.00} ACH to Discover was executed and then reversed. 

Moreover, a review of XXXX XXXX XXXX XXXX XXXX transaction handling history appears to show that this bank is ordering debits to be withdrawn in the beginning of the day and credits to be granted at the end of the day. 

This transaction ordering puts me at a significant disadvantage and cost me : {$35.00} dollars and the likely denial of my Discover Secured Card application.