23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We received a letter fro our prevous lender, XXXX about a week or less prior to our loan getting transferred. 

The letter noted the new servicer, stated all terms would stay the same including the loan number. 

We reached out to Selene Finance, LP the date of official transfer which was XX/XX/2017. Selene had no record of the account by name, social security number, XXXX loan number or property address. The mailing- billing address was obviously not identified either. 
We called XXXX, and they insisted that a letter from the new lender should have already been received. WE have not received anythign form slene finance. 

We called selene finance a few time and XXXX week later they have finally acknowledged that there was a loan transer, but they would not give us any information such as the new payment address or even the loan number. They said XXXX did not authorize our names. So now they want a bunch of paperwork via email only, with original hard copies sealed by courts. 
It will take us at least a week to get the paperwork they are requesting. Then they will take at least a week to review the paperwork in their legal department. By then, it will be well past our payment date. 

We feel that they are stalling because we had delinquent balance with XXXX that we were trying to clear up prior to the lan transfer. We are just trying to make a payment. We are trying to give them money, They are not providing us a way to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dept of Ed/XXXX  violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

I deposited the following checks at BMO Harris that were named out to me & a previous mortgage lender ( mistakenly addressed by my home insurance provider ) on XX/XX/2023 for Insurance payments to a 3rd party who did repairs on our house.

Check # 1 - {$5000.00} - Mobile Deposit Check # 2 - {$9500.00} - Mobile Deposit These checks are placed on hold because I deposited these checks with only my signature but they were addressed to myself and a previous mortgage lender I had no relationship with anymore.

I contacted the bank to figure out what needed to be done to release these funds so I could pay the 3rd party repair vendor & they explained I would need an affidavit signed by the other party on the check. Because I had no relationship with that mortgage lender at that time they would have no reason to sign those checks. I contacted that previous mortgage lender to be sure & they were not able to assist. I also contacted BMO Harris local bankers & their main support line over email to provide information on mailing the required affidavit & official procedure needed on the outside chance that previous lender could sign. I followed up three times with the bankers near my house by phone & twice to their general support email for affidavits. No response was ever given & no information ever provided. 

So they accepted these checks without the correct signatures & kept them on a hold until XX/XX/XXXX when I noticed there was a COE claim on both those checks.

I called weeks after that happened to find out what that meant & what were the steps to either reject those funds back to the insurance provider so correct checks could be made out or what that COE claim meant for more information. They explained to me they could tell me nothing repeatedly about what that claim meant.

The funds are now gone from the bank. No information provided by the bank & Im starting to receive fines from the city of XXXX for being on collections with the vendor who made the house repairs. 

I can provide screenshots of these checks when requested. 

Please assist in this situation. I have no idea what to do at this point. Nor the bank or insurance provider has been able to find a solution.
Product: Debt collection

I '' ve had this problem for a long time. I need the accounts removed.
Product: Credit card or prepaid card

I opened this credit card on XX/XX/XXXX, XXXX credit card interest rate 37 %, XXXX $ annual fee. Per contract every year with no late payments they would give you a credit increase. On XX/XX/XXXX recieved a credit increase of XXXX $ and also charged an annual fee of XXXX $ which actually was only a XXXX $ increase in credit. I always paid on time and even paid card off two times in that year. Was promised in one more year on time payments in XX/XX/XXXX, another credit increase. When I called to request increase, i was denied credit increase, and informed I would be charged a larger annual fee of XXXX $ for the use of the card! I was told that employee was new there and he did not know why I was denied. I had no late payments. He stated I would recieve the reason in 7 to 10 days! I called back the same day and was told by another new employee I had been late on my payments two times! I was using this card at 37 % interest, an annual fee, and no cash advances to build my credit history only. Never late on a payment or charged a late fee. Was told I would recieve a notice as to why I was denied in 7-10 days. I  recieved two letters 7 days later. The first one said to many delinquencies, to many transaction declines in past year and insufficient credit history! There were a lot of declines due to this card being on my XXXX XXXX, and was fraudulently charged so removed all credit cards from phone. I was never delinquent! And I also had the card over two years with on time payments! Plenty of history. The second letter I received the same day, stated I had applied for credit increase to soon and to reapply in30 days. Over a year had passed since last credit increase! I called the company, closed my account, and stated I would not be using the card anymore, so would not pay the annual fee they charged to the card, either. I also stated I would pay my balance of XXXX $ on time until paid off. My credit report shows account as still open and my balance increased to XXXX $ which was the annual fee added to the balance due on card! Does not show a late payment but I demanded them to close account, and deal with the consequences, than work with criminal practices. I have wrote the company, and have recieved no response, just s bill. I am working hard to rebuild my credit, and I feel this company is taking advantage, or scamming people into believing they will help, and pocketing millions of dollars. Something needs to be done. They are ripping people off.
Product: Credit card or prepaid card

I had fraudulent charges on my credit card which I had never authorized On Sams Club Credit Card Acct # XXXX all the charges and XXXX  XXXX XXXX  Acct # XXXX using from Walmart
Product: Debt collection

Was injured at work. And these people are trying to collect XXXX for an accident that happened at work. This debt should be transferred to my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRAs reporting innaccurate and incomplete information on my credit. I reported the notation of the following late payments not consistentt and did not recieve proof of such claimm or any physical evidence accounts came back verified. 

" Treatment of innaccurate and unverifiable data '' if after any reinvestigation under paragraph 1 of any information disputed by customer an item of the information is found to be innaccurate or inncomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX  LATE PAYMENT XXXX {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX POTENTIALLY XXXX XXXX {$14000.00} Balance updated XX/XX/XXXX INQUIRIES- XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX BANK XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX XXXX / Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRIES - Transunion XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX date XXXX XXXX, XXXX XXXX Inquiry date XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies XXXX my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

My account with TBOM/ASPIRE was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. 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 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 21 days before the payment due date. 


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 21 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA ZIP XXXX XX/XX/2024 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. 

I have previously disputed the account in question on XXXX separate occasions, yet each investigation has resulted in the account being verified. Despite these verifications, I have not been provided with a detailed description of the investigation process, as required by law. 

Moreover, I have filed a complaint with the Federal Trade Commission ( FTC ) because this account only appears on my Equifax report and not on the reports from the other credit bureaus. This discrepancy raises serious concerns about the accuracy and reliability of the information being reported. 

This letter serves as a final warning. If my rights continue to be violated and I do not receive the required documentation and resolution, I will take further legal action to protect my consumer rights. 

Below are the details of the disputed account : Creditor Name : XXXX Account Number XXXX EQUIFAX
Product: Debt collection

My daughter XXXX at college when a friend dropped her XXXX. I 'm a retired combat XXXX of 20 years and was the SPONSOR of her health coverage NOT the guarantor of any payment owed since she was over the age of XXXX at the time of the incident. This is NOT my bill, I 've NEVER even been in this hospital! I called recently and the collector was extremely rude, would n't put me in contact with a supervisor when asked and was dismissive of my XXXX I suffered when wounded in combat in XXXX. XXXX is my family military retiree insurance and per federal law, children over 18 are responsible for any payment. This claim was not covered because ot was a third party injury, her friend that dropped my daughter XXXX who was deemed by my insurance as responsible. They are trying to collect from the wrong person.
Product: Credit card or prepaid card

Chase credit claims to offer fraud protection. I have a chase card I use for business only. In XXXX and early XXXX of 2022, I discovered XXXX  charges for XXXX items fraudulently charged to my card, I called Chase and they assured me I would not be responsible for the charges. My card was canceled and reissued. A month later, Chase put back all of the charges on my card except for one. They claimed I benefited from the transactions except for one of the XXXX. I was stonewalled by Chase and rudely told to take up my case with XXXX. I do not even have an account with XXXX!, When I contacted XXXX, they informed me that they could not help me because a dispute case was opened outside of XXXX, They also indicated that they do not mention that I benefitted from a transaction, so it appears that Chase is deceiving their customers and blocking recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX at Department of Education/Nelnet ( Creditor ) was re-reported to my credit report ( as two different accounts ) at XXXX, after XXXX  blocked and deleted this account. It is illegal for Nelnet to re-report the account after the account was deleted from my credit report, especially when Nelnet did not provide me with a contract with my signature on it to verify the debt account, even though I requested said contract in writing via certified mail with return receipt, on three separate occasions, in 2020. I need Dept of Education/Nelnet and XXXX  to DELETE these Nelnet accounts on my credit report at XXXX  IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission 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 notice and confirmation of errors A person shall not furnish information relating to a consumer to any 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, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

I am writing to get some help and answers I was a previous client with ( XXXX XXXX ) they put me on a loan modification that was perfect and affordable for me at a payment of {$1500.00}. I was to sign my paperwork which I did after I made my final trial payment the paperwork I signed was incorrect, so my account manager had to resend the paperwork with correct wording which I signed had notarized and sent back. I was told to wait to start paying until my loan is permanently modified and I get my packet in the mail. So now this brings us to XX/XX/XXXX ' I received a letter advising that SPS is now my lender so I immediately called SPS as I was going through my modification waiting on the paperwork I was told by a representative at SPS that they are still waiting to receive my file to be patient well needless to say this went on for MONTHSSS. With this my mortgage is getting behind finally now we are in XXXX ' fed up with no answers and the run around I spoke to a supervisor on XX/XX/XXXX ' I explained my situation she advised me that SPS should have sent my paperwork out to me back in XX/XX/XXXX ' she stated she was going to have my matter escalated and resolved well again THE RUN AROUND AND NO RESOLUTION. I have tried to work numerous times and always different reps with SPS to get help and to date nothing and now I am being told that I am in foreclosure I had no notice mail notice or anything about this how appalled I am just to let SPS take my home right from me with no knowledge how unethical is that and all I got was the run around. I want to keep my home but I need some help as this was a big oversight and mess up with SPS and now im being punished SPS has failed me and failed to offer me any type of help or loan assistance. Can someone look into this matter and help me.
Product: Credit card or prepaid card

XX/XX/2020 ( today ) I got in my credit card statement from Wells Fargo, we had signed up for assistance due to COVID-19, my husband was laid off in XXXX and we tried our hardest to keep up payments for a while and we did but eventually needed help. I got two months of assistance where I didnt have to pay my minimum payment of {$66.00}. Today I got a bill for {$220.00}, which was my minimum payment plus all the interest acquired on the total amount in the account. I got in my credit card statement from Wells Fargo, we had signed up for assistance due to COVID-19, my husband was laid off in XXXX and we tried our hardest to keep up payments for a while and we did but eventually needed help. I got two months of assistance where I didnt have to pay my minimum payment of {$66.00}. Today I got a bill for {$220.00}, which was my minimum payment plus all the interest acquired on the total amount in the account. They didnt tell me I would have to pay all interest acquired on the total amount and my minimum payment when I was no longer receiving assistance, and I dont always have to pay all acquired interest per month so Im confused why this is happening. When I called in they just told me that it was my minimum payment and the interest on the total amount due. The only thing that they offered me was more time in the assistance program, but I did not want to come back and have to owe {$440.00} next time or something like that. And my two monthly payments which is {$66.00} each that I had missed comes to a total of {$130.00}, so I dont understand why this is happening ... ( I wan na add I knew that interest would continue to be added on the total amount, I just didnt know Id have to pay it all back when I came back. I dont have to pay all of my interest every month so Im confused why I have to pay two months worth when I needed assistance ) I attached my current bill for {$220.00} which is due on XX/XX/XXXX, and Im attaching a screenshot showing my previous payments to them. Now I pay my minimum payment and I try to pay extra whenever I can even if its {$14.00} or {$20.00} extra per month I try to pay off as much as I can. But youll see I didnt have to pay a huge {$220.00} every month youll see a consistent {$68.00} or {$66.00}. 
It was suggested to come here and file a complaint, so Ive never done this before I apologize if this is too much or too little. Thank you
Product: Credit reporting 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  and list of Inquiries. 

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.