23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During a period of financial hardship, we were unable to pay an increase of mortgage. We attempted to sell. SPS constantly gave conflicting statements and repeated request for duplication of forms and paper work. We received three offers to sell ; but all were denied. We requested a short sale option, but offers were denied. We also attempted to request a deed in lieu of foreclosure also denied. We contacted the attorney representing the foreclosure sale to request a postponement in order to allow for time to complete a sales offer received, but that was denied. Our RE agent, XXXX XXXX, will be our witness to the frustration and confusing correspondence we suffered while dealing with SPS, Inc. During that time, neither she nor I ever spoke to the same person twice, and none of the representatives we communicated with were familiar with or knew anything about the situation we were attempting to resolve. Every phone call ( at least 2-3 a week ) required us to explain the entire situation over and over ; without any probability of a proposed solution. I have documentation of over 600 pages to support our complaint, including all letters and requests sent to us, repeatedly asking to duplicate information, all offers and contracts from our real state agent.
Product: Debt collection

Hunter Warfiield has reported an account that is not mine on my credit report. I have been dealing with identity theft for the past year because I was a victim of a robbery. I have attached the section of which you are in violation of on the Fair Credit Reporting Act. 

605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 39 605B - 15 U.S.C. 1681c-2 605B - 15 U.S.C. 1681c-2 ( 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. 


Also I have included a copy of my FTC report and my police report as well as my social and my ID. Please remove this fraudulent account from my credit report immediately as you are in violation of my rights as a consumer and I will seek litigation as the results are false information, misleading and inaccurate.
Product: Checking or savings account

Capital one has the phone system first take calls while doing this the phone system gave options on what I was calling about. During this process I was able to get all the way to a business account that I know nothing about and did not open. Capital one was unwilling to cooperate because I could not verify the account number even though the system verified by my social. The system offered a personal account as well, so who knows what else they are hiding. They are aware of my identity theft and fraud yet they are being dishonest and non transparent about illegal accounts that exist that are tied to me. What a great way to treat your costumers that are struggling with a hardship yet making payments even though the payment was late due to the identity theft and loss of funds recently. Reporting capital one here on the unwillingness to help a customer deal with illegal activity involving a business account and possibly other accounts. I wonder what an illegal business account is being funded by? I am willing to bet it isn't legal business, they are supporting criminals and in my opinion. I am shocked that I am even filing this report and quite frankly how much longer does the American consumer have to deal with this type of activity? That so called " business '' is being used for crime for example trafficking, drugs, weapons, or all the above. Yet still charging 33 % interest rates on the legal accounts. I would like an immediate response from them on how they would like to handle this.
Product: Mortgage

They gaved us terms that we can not afford, They wanted us to give XXXX right away upon accepting the modification, We do not have this kind of money, and the monthly is XXXX a month as per the approved modification. 


they never told us that we can reapply again until their response now, Pls help us get a modest modification, we are XXXX and XXXX  years of age
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX- Till today ( XX/XX/2019 ) Bankruptcy Record on credit profile appears as " BANKRUPTCY CLOSED AND DISMISSED '' on XXXX , TRANSUNION AND XXXX XXXX XXXX credit card appears as included in bankruptcy chapter XXXX on Transunion and XXXX  credit profile. 
XXXX XXXX Credit card appears as charge off/included in bankruptcy chapter XXXX
Product: Vehicle loan or lease

We are paying for a XXXX maintenance plan as a part of our lease. When we signed our lease, we were told that maintenance had to be performed at the dealership where we purchased the vehicle in order for it to be covered by the plan. Now the dealership has stated that we are free to have our vehicle serviced anywhere we choose. We have received very little information and also conflicting information about the XXXX maintenance plan from the dealership. Our interactions with the dealership have become an increasingly negative experience. We are unsure where turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for the past 7 days to initiate a freeze on my credit report online at Equifax. I was able to quickly and without problems perform the same operation online with XXXX and XXXX. I do not wish to attempt a freeze with Equifax via telephone, as I am concerned about security. For 7 days I have experienced various unavailability of pages, and inabilities to complete the process online with Equifax. I believe this is either intentional, or gross incompetence. Either way, I believe Equifax should be forced to take their service offline. They do not deserve the trust of the American public.
Product: Credit card or prepaid card

I am having this Kohl 's credit card for years ... .and facing some problems : 1 ) I need to type in the card to do any transactions. 2 ) I do n't know when Kohl 's will send me a replacement card? 3 ) There are no statements that i get - neither physical ( postal ) nor digital ( e-mail ) 4 ) I have my bank account being added for auto-pay but it does n't work. 5 ) If i return something - it takes a while for it to get reflected but still the fees is being charged. 6 ) Try calling customer service ... it 's too awkward timings ... Call Customer Service XXXX till XXXX XXXX my local time. I was not at all aware that auto-pay is not working..moreover I did n't received any alerts or notifications from Kohl 's that something is due from my side ... but when i logged in to this Khol 's account ( as there is no debit from my bank account ) - noticed late fees and interest charges ... .I am in USA since 2000 but never had any late fees or interest charges ... this is ridiculous - now i need to work with credit agencies to fix my credit score/history also ...
Product: Debt collection

Original debt owed for XXXX XXXX is : {$7800.00} Debt Collector Fair Collections & Out is trying to collect {$13000.00} Phone number XXXX
Product: Debt collection

I have been disputing this account for some time now with Fair Collections and Outsourcing. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Product: Vehicle loan or lease

To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent SEVERAL previous letters to you, all by certified mail requesting that you remove inaccurate PAYMENT HISTORY information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. 

I await your response.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$8100.00} XXXX Date Opened XX/XX/XXXX Balance {$16000.00} **Inquiries** 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 ) XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recents CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovery lost funds was impossible and the tracking this transaction was unfeseasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency Its unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached proof that this account did not belong to me. My husband purchased A vehicle from XXXX XXXX XXXX back in 2018. The loan officer somehow added me to the loan which I was not suppose to be on. XXXX XXXX XXXX was notified and said they fixed the error and completely removed me from the account as it was not my loan nor did I sign or agree to the loan. My husband settled the balance on the account and they closed the account and added the account to my credit file along with his. This year XXXX XXXX XXXX sent A 1099-C ( Cancellation of debt ) to my husband XXXX XXXX and I have attached this as proof that I was not on the loan. XX/XX/XXXX and Equifax have all refused to remove this inaccurate account from my file. The attached 1099-C shows the name and account number which can be confirmed is the exact account that is listed on my report with my name in error. Please have this account completely removed from my credit file as it is not mine and proof of whom the account belonged to is attached with IRS FORM 1099-C.
Product: Credit reporting or other personal consumer reports

As per the guidelines from the Consumer Financial Protection Bureau ( CFPB ) the documents needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted. 
XXXX. ) XXXX  ACCOUNT # XXXX {$9500.00} XXXX. ) XXXX XXXX- ACCOUNT # XXXX {$370.00} XXXX. ) XXXX- ACCOUNT # XXXX {$8100.00} XXXX. ) XXXX XXXX- ACCOUNT # XXXX {$1600.00} XXXX. ) XXXX- ACCOUNT # XXXX {$1900.00} XXXX. ) XXXX XXXX- ACCOUNT # XXXX {$3200.00} XXXX. ) XXXX- ACCOUNT # XXXX {$1500.00} XXXX. ) XXXX XXXX- ACCOUNT # XXXX {$2000.00} XXXX. ) XXXX BALANCE- ACCOUNT # XXXX {$1100.00} XXXX. ) XXXX XXXX- ACCOUNT # XXXX {$21000.00} XXXX. ) XXXX XXXX- ACCOUNT # XXXX {$290.00} XXXX. ) XXXX XXXX- ACCOUNT # XXXX {$2500.00}
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 Account name : Car Capital Servicing, Account name : XXXX XXXX # XXXX, Account name : The Bank XXXX XXXX XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX, Account name : XXXX  XXXX, Account name : 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 an 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: Mortgage

You did not pay my property tax until XXXX in spite of me informing on XX/XX/XXXX and the last day to pay was XX/XX/XXXX. So I went and took a personal loan and paid around {$4200.00}. So you sent the payment later of {$4000.00} and then got it back and then put it in my escrow account. And you did not even pay the late payment fee. It went out from my pocket. 

Attached is your previous response ( complaint # ) related to the property tax. You mentioned that the decision will be made by XX/XX/XXXX. You did not bother to inform me or send a mail communication regarding this. Why are you not returning my property tax amount? There is a balance of {$5900.00} in my escrow sitting right now. Why are you keeping such a large amount in my escrow What is the real problem here? 

Please fix your system and also your customer service. You are giving nightmares to the customers. So many issues and problems with Shellpoint. And it continues as usual.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, due to improper handling of personal data, allowed a breach of personal data files. My files were a part of this breach, putting me at risk of fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 XXXX gave me a hard pull which I did not authorize. I never did any business or got a loan from this company. This is fraud and I would like it removed from my file as soon as possible. I had spoke to there customer service team and they had said would remove any hard pull since I never authorized it.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Hello, I received a debt collection notice in the mail from Recovery One. The letter claimed I bounced a check written for XXXX XXXX. Recovery One also emailed me a copy of said check. The check was for a Balance transfer line of credit from XXXX XXXX. This was not an account I had opened. Someone was using my personal information to fraudulently open lines of credit. I called XXXX XXXX and confirmed with them that this line of credit was closed and I was advised that I was a victim of identity theft. 

I advised Recovery One that I was the victim of identity theft and they have not canceled this debt.

I am requesting that Recovery One cancel this debt as it is not mine. I am the victim of identity theft.
Product: Mortgage

XXXX 2023 Notice from XXXX XXXX that taxes were not paid and lien would be filed XX/XX/2023 Contacted SLSXXXX  - They opened a case to research Was told it would take 10 days, Multiple calls to find out what happened and what was being done One gentleman figured out the issue ( incorrect parcel number ) Even knowing the issue and the solution they would do nothing until research request was completed. 
XX/XX/2023 we paid the taxes to prevent a lien from being filed XX/XX/2023 - provided SLS with proof we paid the taxes After 30 days research was finally finished and they determined parcel # issue XX/XX/2023 they sold the loan to XXXX XXXXk XX/XX/2023 they cut a check for the penalties but sent it to XXXX instead of me At this point I'm still out ~ {$7000.00} XX/XX/2023 we sent a letter requesting information who was at fault XX/XX/2023 finally received a letter from XXXX XXXXSLS confirming mistake but not willing to compensate me for the {$7000.00} that I have not had for over 75 days. 
Requested Escrow Analysis from XXXX in XXXX Received a refund check for " {$7000.00} on XX/XX/XXXX SLS has not updated the credit bureaus so our reports are showing that we have XXXX {$380000.00} loans outstanding. One at SLS and one at XXXX. 

I have hours of recorded phone conversations and emails documenting this entire mess.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 i was faced with having to move out of my apartment, i contacted the loan agency stating i wouldnt not be able to make payments for this month but i am able to pay it off in the following months. They agreed but later on i see a late payment even though i finished my payment and closed the account the late payment is still being shown, Please assist me in this matter im also fighting unfortunately late payment for my XXXX XXXX  payment which occurred around the same time. I have been consistent since and all my accounts are in good standing. I would love to get a home and start a family, unfortunately my credit score is at a major halt due to these payments.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY INFORMATION ON YOUR SYSTEM THERE'S A LOT OF INFORMATION ON MY CREDIT THAT HAS ERROR. YOUR FAST ACTION GREATLY APPRECIATED
Product: Money transfer, virtual currency, or money service

I transferred money to a new XXXX and after 4 days I have not been able to use the funds.
Product: Payday loan

The Collector ( XXXX XXXX XXXX ) from the lender Western Skies has sent a company called XXXX XXXX to serve me papers at my place of employment. I work for a government entity and they have called my employer several times because my supervisor has taken the messages and warned me of them calling the control room where I work.