23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My deceased parent 's house foreclosed and not all of the heirs were informed. The company is Select Portfolio Services ( SPS ). SPS is NOT giving the rightful heirs the leftover money from the sale of the foreclosure from my deceased parent 's home. I have reported years ago that SPS is a Predatory so called " bank '' and used Predatory Loan Tactics to obtain people 's homes. SPS DID NOT offer Help for homeowner and/or heirs during the coronavirus national emergency. SPS foreclosed on my deceased parent 's home during the Federal Mandate under Covid19 Laws to NOT Foreclose! This so called company is so dirty and took my parent 's home away so that they could benefit dollars into their pockets!!!
Product: Mortgage

I just spoke with a representative from Shellpoint Mortgage loss mitigation today on XX/XX/22 at XXXX EST. I was on a COVID forbearance plan, and I am able to resume payments. I was told that this would not be acceptable, as I used the maximum forbearance time, and I would need to pay 4 months at once. My understanding is that this is not what the law said. If I had been told 4 months ago this would be the case, I would have found a way to make the payments work. This seems predatory.
Product: Credit reporting or other personal consumer reports

Re : Complaint Against Credit Bureaus for Unresolved Identity Theft Issues I am writing to formally report an unresolved issue with certain credit bureaus regarding fraudulent accounts on my credit report as a result of identity theft. Upon reviewing my credit reports, I identified two unauthorized accounts : XXXX XXXX Account Account Number : XXXX Outstanding Amount : {$2300.00} XXXX XXXX XXXX XXXX Account Account Number : XXXX Outstanding Amount : {$1100.00} In an attempt to rectify this, I initiated disputes with the credit bureaus through written communication on two separate occasions. Regrettably, despite my earnest efforts to resolve this critical matter, I have not received any acknowledgment or response to my disputes. The presence of these fraudulent accounts has not only severely impacted my credit score but has also caused significant distress in my personal life. I had taken the necessary measures in good faith, expecting the credit bureaus to address and correct these inaccuracies. It is deeply concerning that these disputes have seemingly been overlooked or ignored. I implore the Consumer Financial Protection Bureau to intervene in this matter and facilitate a just and prompt resolution. Your esteemed bureau 's assistance in ensuring the removal of these unauthorized accounts from my credit report will be invaluable in restoring both my credit standing and peace of mind. Thank you for your prompt attention to this grave concern. I am hopeful for a favorable outcome with your guidance and intervention. Warm regards, XXXX XXXX
Product: Mortgage

For the last couple of months I have been trying to complete a loan modification with my lender but they keep asking for repetitive documents. I have provided proof of my hardship which is my husband lost his job. I am concerned that they are going to try and place a sale date on my home when I keep sending documents over and over again
Product: Credit reporting or other personal consumer reports

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXX XXXX XXXX XXXX XXXX  XXXX Thank You in Advance for your Cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Once again, I am writing to file a formal complaint against the 3 major buraus XXXX, XXXX, Equifax regarding their failure to update my credit information and provide me with a method of verification, as required by the Fair Credit Reporting Act ( FCRA ). 

For well over 90 days, I have been disputing the same account over and over just to get the same generic responses over and over since XXXX of this year ( 2023 ) I have been disputing the same account showing proof of clear errors and inaccuracies just to be told the item was Updated Or Verified How is this possible if I have proof and a print out of the same exact errors on the same exact account. 

XXXX doesn't even have my correct DOB but has the audacity to tell me time and time account everything is updated and verified this is just wrong.

I have attempted to resolve this matter directly with the 3 buraus via dispute letters. Despite my efforts, the issue remains unresolved, and I believe that their actions are in violation of the FCRA.

I will have my latest disputes, cover letter and credit report attached.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX complies with the FCRA. Additionally, I would appreciate your assistance in resolving this issue and obtaining the accurate and up-to-date credit information to which I am entitled. 

Please find the following information related to my complaint : Account Name XXXX XXXX XXXX Account Number : XXXX ACCOUNT TYPE ACROSS ALL XXXX DOES NOT MATCH DATE OPENED DOES NOT MATCH ACROSS ALL XXXX DATE LAST REPORTED, DATE LAST ACTIVE, DATE OF LAST PAYMENT INCONSISTENT AMOST ALL 3 BURAUS PAYMENT HISTORY COMPLETLEY INCONSISTENT AMONGST ALL 3 BURAUS.

I appreciate your attention to this matter and look forward to a prompt resolution. If you require any further information or documentation, please do not hesitate to contact me at the provided phone number or email address. 

Thank you for your assistance. 

Sincerely, XXXX XXXX.
Product: Bank account or service

On XXXX XXXX a payment request from my girlfriend via XXXX was accepted by me XXXX {$1000.00}. Two minutes after I approved payment, the recipient canceled the transaction on XXXX. Funds were still drawn on XXXX XXXX from Wells Fargo and sent to XXXX with a trace number provided. I contacted XXXX on XXXX XXXX and representative told me that since the recipient was party to cancel the transaction, it would still process and would automatically reject her account and be placed into my XXXX account after XXXX6 business days. I called back after 6 days and XXXX and was informed that they did not receive the funds from Wells Fargo. I called Wells Fargo and opened a claims investigation, and was told that a investigator would be contacting me within XXXX5 business days. I was never called and after XXXX XXXX I called to check on the claim and a representative told me that is was closed. I have called back and forth between Wells Fargo and XXXX with XXXX parties stating that they do not have the money, and each time I get told either Wells Fargo sent the money or XXXX did not receive it. I have been provided the Trace Number from Wells which I supplied to XXXX, and nothing has come of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This company BMG MONEY INC is currently showing 30 days late for the month of XX/XX/2020. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

BMG MONEY INC ***** Opened XXXX XXXX, 2020 Balance {$0.00} Late closed ( XXXX ) BMG MONEYXXXX Opened XXXX XXXX, 2020 Balance {$0.00} Late closed XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a fraudulent account reported on my credit file. Account Name : XXXX XXXX Account Number : XXXX Account open date : Someone has opened an fraudulently authorized an account on my name using my Identity for this account for which I am not responsible. Please remove this account from my credit file. I challange the company to provide me the proof for opening of this account by me. I am the authorised user for this account.
Product: Debt collection

On XX/XX/XXXX I was notified by credit monitoring this debt of {$420.00} by Enhanced Recovery ( XXXX XXXX ) was added to my credit. I already had to file a complaint several months ago against a company that was trying to collect this debt that I had no knowledge of. It was deleted. I have had no contact from Enhanced Recovery in any shape or form just slapped in on my credit and I am about to buy a house. Another collection agency acting illegally and not following FDCPA. I do not owe them or XXXX XXXX any money. They also show this debt is from XX/XX/XXXX and was late 1 month ago. This is the last complaint I will file before I file against them in court
Product: Credit card

I had a Wells Fargo VISA credit card for several years. In XX/XX/XXXX, I was unexpectedly laid off. My girlfriend at the time had developed XXXX and was unable to work.So without my job we were unable to pay the rent and were evicted. The Wells Fargo credit card was close to the {$600.00} credit limit, but I was continuing to make the minimum payment or a little more each month. In XXXX my credit card was suddenly almost {$100.00} over the credit limit. When I reviewed the charges online, I saw that Wells Fargo had approved {$100.00} for XXXX renewal. I immediately called Wells Fargo Credit Card Customer Service and asked that the charge be reversed, since they had authorized it despite the fact that it would put me over my credit limit. I spoke with several people, including " supervisors '' who told me that because I had an " ongoing relationship '' with XXXX they were justified in approving the charge and they refused to reverse it. When I was unable to pay the minimum {$120.00} the next month because I was still unemployed, Wells Fargo began to add late fees, overlimit fees and penalties to the amount owed, making it impossible for me to get caught up on the charges. Had the XXXX charge been reversed, I would still have had enough to continue making the minimum payments during those months. At some point the credit card was closed and put into collections. When I finally got a job in XX/XX/XXXX, I contacted Wells Fargo Credit Card Customer Service again to set up a repayment plan. I was assured by the agent that once I had paid off the amount owed ( about {$1000.00} by then ) the card would be re-opened. However, once the amount owed was paid the card was not re-opened. I was told that because of my prior poor payment history I did not qualify for a Wells Fargo credit card. 
When the CFPB reports of the illegal actions by Wells Fargo employees were reported a few months ago I called a special phone number Wells Fargo had to report suspected actions by its employees. I called and related the above and asked that my credit card be re-opened. I was told that my issue was not related to the CFPB reports because no account had been opened in my name. Therefore, I am filing this complaint with CFPB. Perhaps there is much more to investigate at Wells Fargo?
Product: Debt collection

I called XXXX XXXX  to see if account was paid in full and I was told that it was but I still have not received documentation that it was also account shows as charge off on my credit report.
Product: Credit card

PNC opened a credit card and spelled my name wrong XX/XX/2016. Error went unnoticed until 2 payments were rejected after I tried to pay from PNC site. I contacted bank I was trying to get payments from and they told me they rejected them because name did n't match account. PNC then closed my account. I called PNC to try to get them to change name on account and they told me they ca n't do it on a closed account. I eventually got them to escalate the situation and they told me they would call me back. In the meantime this maxed credit card hit my credit report because I ca n't make pull a payment to it. and has tanked by credit score while I 'm in process of getting a new mortgage. PNC has refused to reopen the account based off their error. I have checking account besides this account so they 've pulled both my XXXX report and credit reports so if there was an error in my name it should have been discovered long ago. PNC is claiming name is wrong on my checking account too. It 's been beyond frustrating as I 've been on the phone with them half a dozen times and there 's never anything the person on the phone can do and that they 'll contact me with an update. I 'm hoping this leads to someone that can help me. At this point they 're defrauding me of money by opening an account on my credit report ( not even my name ), tanking my credit score and charging me interest and fees while giving me no way to stop it.
Product: Credit reporting or other personal consumer reports

Disputed account XX/XX/year> Requested evidence of account XX/XX/year> Dispute erroneously rejected XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

Chase restricted my account with no reason and said the account will Be closed. My direct deposit hit both accounts and now they are saying they rejected it but I see it posted. They wont answer any of my questions honestly
Product: Debt collection

The original credit card was through XXXX XXXX XXXX  On XX/XX/XXXX the credit card account was charged off by XXXX XXXXXXXX XXXX ( which is considered income as a certificate of indebtedness and should not be reported to credit report ). As of XX/XX/XXXX the debt was paid/purchased by XXXX XXXX XXXXResurgent Capital Services XXXX XXXX LVNV/Resurgent are attempting to collect on a debt that has already been paid, through their collection efforts. This is a violation of FDCPA regulations on Third Party Collections. On XX/XX/XXXX a certified letter was sent to Resurgent Capital Services requesting a validation of debt. Some of the validation items included : * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 
* Signed agreement with XXXX/Resurgent agreeing to pay the alleged amount As a result, a return letter of a statement from XXXX XXXX and explanation cover letter was provided with none of the requested items provided. I am looking to have this collection amount of {$1200.00} be removed from all three major credit bureaus such as XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i moved to a new location from my driver license and transunion ask me to update my address to match my id so i did on XX/XX/2020 and have letters to proved it .Now they are stalling with my Dispute asking for the same thing this month knowing that they already Have it and don't wont to focus on the dispute at hand.
Product: Debt collection

On XX/XX/XXXX, I received an email from Cedars Business Services ( see attached file ) attempting to collect a debt of {$14.00} that the e-mail claimed is from XXXX -- a car rental service that I used in DC that has not done business in Washington XXXX DC for more than a year. I received similar emails from Cedars on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( today ). 

I have my records from XXXX, and I see no charge for {$14.00} and no unpaid charges. Their internal reference number is unique to this charge, I presume, but the account number does not correspond to my XXXX account. 

I spoke with the company this evening using the number provided in their emails ( XXXX ). They placed me on hold to find the records of the charge, and when the representative returned, he said that they would need more time and would email the proof of the charge to me within 7-10 business days. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of  my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine  and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX {$310.00} XXXX XXXX XXXX {$520.00}
Product: Mortgage

A follow up to a Closed Complaint XXXX We requested copies of 4 checks drawn on a closed HELOC Access 3 account # XXXX Name on Account XXXX XXXX XXXX XXXX XX/XX/XXXX Truist did mail us copies of 4 checks, but two were not the checks we requested, and we still need the other 2. The person who signed the letter directed us to our local branch if we need more help. We have already been there twice and they are unable to help us. 
They did not leave a phone number or any way to contact them directly. I'm not willing to spend multiple hours on the phone again over this. 

Cleared date Check # Amount XX/XX/XXXX XXXX {$11000.00} XX/XX/XXXX XXXX {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

I have my credit card but it was scam by a man who date with me so I reported the things cause he tried two times to pay the whole bills without my advice so I make the report I think the bank will do a follow up on but not so I just continue to pay just to avoid my credit card close but since I pay I never try use it but this morning I see the credit card like closed
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX XXXX. The company has reported conflicting and incorrect information to all three major credit bureaus ( Equifax, XXXX, and XXXX ), resulting in errors that have negatively impacted my credit score and financial standing. 

Specifically, I have identified the following issues with XXXX XXXX XXXX reporting : Charge-Off and Paid as Agreed : XXXX XXXX XXXX has XXXX accounts listed on my credit reports that are marked as both " Charge-Off '' and " Paid as Agreed. '' These conflicting statuses are misleading and do not accurately reflect the status of the accounts. 
Late Payments Reported Incorrectly : The credit card company has reported late payments on my account, which is inaccurate. I have always made payments on time and have documentation to support this. 
Inconsistent Reporting Across Credit Bureaus : The information reported by XXXX XXXX XXXX  is not consistent across all three credit bureaus. For example, some bureaus show missing or incorrect account details, while others have incomplete or conflicting data regarding the status of the accounts. 
I have made multiple attempts to resolve these issues directly with XXXX XXXX XXXX, including [ briefly describe any attempts to resolve the issue, e.g., calling customer service, submitting disputes ], but the errors have not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that accurate and consistent information is reported to the credit bureaus. I also request that XXXX XXXX XXXX  be held accountable for their failure to report accurate information and for not resolving the discrepancies in their reporting. 

Thank you for your attention to this matter. Please do not hesitate to contact me if you need any further information or documentation to support my complaint.