23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am very angry and thoroughly disgusted with SPS!!! My current home mortgage is with SPS and recently a change was made to my account WITHOUT my request, consent or my knowledge. On XX/XX/2022, I received a letter from SPS, dated XX/XX/2022, congratulating my husband and I on a successful deferment for our XXXX payment. Issue # 1, myself, nor my husband EVER requested any type of assistance for COVID or anything else for that matter EVER since SPS has been servicing our loan. EVER. Once I received the letter on XX/XX/2022, I called in to SPS immediately, hoping that maybe it was some type of a clerical error. Unfortunately for us, it was not. I spoke to 3 different representatives, who ALL confirmed that they did not have any record of either myself or my husband calling in for any type of assistance and they were unsure as to why the request for the deferment was ever even approved if we didn't make the request. They admitted that they made a mistake even though no one could tell me how it happened. So we need to know why SPS allowed something like this to take place without the request or consent of either of us, the only 2 people listed on the mortgage!!!! The next issue that we have is that we are refinancing our home. It is scheduled to fund today ( XX/XX/2022 ), but when the mortgage broker tried to verify that our XXXX mortgage payment was made in XXXX, they are not able to confirm that because SPS is applying the payment that we made in XXXX for XXXX to XXXX 's payment. This poses a problem, because now it appears that there was no payment made for XXXX. Due to SPS ' error we are in jeopardy of losing our refinance!!!!!!!!!!!! I have requested to have this escalated with my phone call yesterday and it has not been rectified yet! 
There is no way that a deferment should have been approved on my account when neither of the account holders EVER requested or consented to this! That would appear to be some type of fraud to me. Since this was an error on the part of SPS, I would expect that this would be resolved expeditiously, but that doesn't seem to be the case!
Product: Credit reporting or other personal consumer reports

Having recently examined my credit report, I was astounded to discover that I've fallen prey to identity theft. I came across multiple accounts on my credit report that I did not authorize. This situation is negatively impacting me at a crucial juncture, as I am currently in the process of securing a home for my family. I urgently request the removal of these fraudulent accounts from my credit report. Your prompt attention to this matter is highly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I HAVE AN IDENTICAL TWIN SISTER AND HER NAME ( XXXX XXXX ) ALONG WITH HER ACCOUNTS ARE REPORTING TRANSUNION AND XXXX CREDIT BUREAUS. 

THE ACCOUNTS ARE LISTED AS : XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX I HAVE BEEN CONTACTING TRANSUNION TO CORRECT MY NAME AND SENT THEM PROPER DOCUMENTATION VALIDATING MY IDENIFICATION AND THE ISSUE HAS NOT BEEN RESOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following fraudulent and illegal 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 ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} Date Opened XXXX, XXXX, XXXX XXXX XXXX {$1000.00} Date Opened XX/XX/XXXX XXXX {$1100.00} Date Opened XXXX  XXXX, XXXX XXXX {$12000.00} Date Opened XX/XX/XXXX XXXX {$8900.00} Date Opened XX/XX/XXXX XXXX {$510.00} Date Opened XX/XX/XXXXXXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX 2017
Product: Money transfer, virtual currency, or money service

I am writing to complain about the online credit service known as PayPal.com. For the last six months, PayPal has been ( 1 ) billing me for fraudulent transactions and ( 2 ) providing the credit bureaus with false information about my balances in violation of the Fair Credit Reporting Act. I have contacted PayPal customer service by phone on several occasions to dispute these fraudulent transactions. I disputed on XX/XX/2019 an amount of {$100.00} with PayPal customer service agent named XXXX and I disputed on XX/XX/2019 an amount of {$490.00} with PayPal customer service agent named XXXX. According to the terms of service, PayPal was supposed to investigate the disputed amounts and provide a response within 60 days. PayPal however have failed to provide any response to my disputes and continue to bill me for the disputed fraudulent transactions and charge me for interest while reporting these false transactions to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I appreciate the effort taken to address the removal of certain fraudulent items from my file, stemming from an alleged identity theft. However, there are still remaining items that require removal from my credit reports. As a victim of identity theft, this serves as another request to eliminate these outstanding items from my credit file, attributed to alleged identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are mandated to remove any such items not later than 4 business days after XX/XX/XXXX. Despite the passage of several months, only a few items have been removed. I have previously raised this issue in my initial complaint, and I am reiterating it now, along with my new FTC Report XXXX XXXX  Additionally, the information provided on these items is UNKNOWN to me, and it has been REMOVED from other bureaus, raising doubts about their accuracy. Below are the specific items identified for removal per bureau : -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The XXXX  Accounts Listed On The Documents, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

n order was placed on XX/XX/XXXX for XXXX to XXXX plus funds were withdrawn immediately and sent to XXXX, a month later XX/XX/XXXX, we got a notification that the order payment had " updated ''. Another XXXX was removed from my balance, we called cash app who admitted to being able to see the charge for {$1700.00}, at first they said that due to a system glitch in which funds were wrongfully refunded, which I would accept, but {$1700.00} was missing from my account in total. I argued against it and was told to contact the merchant ( XXXX ) as they authorized the payment. XXXX billing department does not see the charge for {$1700.00}, they see the transaction that poated originally on the XXXX, as expected. I can not see the charge in my transaction history, either. Cash app is the only one able to see the charge and they refuse to provide photographic eveidence of said charge so that i can dispute it with them. i have been talked down to, hung up on and had lots of calls transfered but nobody can provide a single thing i'm asking for, they are withholding my financial statements/history, ad money that is rightfully mine. CashApp has made such a mess of this situation, that the charge appears on my side, in my transaction history, 31 times, yet I am unable to see the original charge of the order for {$1700.00}. I have documentation and record of the original order price, as well as record of a cashapp employee explaining the {$1700.00} dollar charge taking place across 3 seperate dates on and between XXXX XXXX XXXX, as well as that same employee admitting there was no refund in the same statement as the breakdown of the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize the following hard inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We have applied and been turned down for Modification by the servicer of the loan, PNC for XXXX, due to what they claim is the servicer agreement does not allow modifications. Through much research I am finding this is probably not the case. The denial paperwork came back saying it was denying my hardship assistance request because " the assignee/mortgage owner or private mortgage insurance company on your loan has not provided an actionable decision on the proposed alternatives to foreclosure option for your loan. '' It says this multiple times, so the servicer, PNC, never received an answer to my application from the trustee, XXXX for XXXX. Mortgage asset-backed pass-through certificates, series XXXX. 
We had employment problems in the past and almost half of the time I was delinquent I was serving my country XXXX. I am looking for a resolution, a change in the terms of my loan so as to be able to continue raising my family in this home.
Product: Debt collection

Received notice dated XX/XX/XXXX, from XXXX XXXX XXXX regarding a debt from XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXXXXXX  notice was sent to XXXX XXXX XXXX requesting a validation of such debt and that it was in error. Copy of communication from XXXX was also sent stating the debt was paid for. No information regarding the debt was sent from XXXX XXXX XXXX. In XXXX of XXXX I received another notice from XXXX XXXX XXXX demanding payment of such debt. Upon calling XXXX I spoke with XXXX XXXX. XXXX stated that the amount being demanded was wrong and that the amount went from {$64.00} to {$150.00}. I was also told that the creditor was not XXXX XXXX but rather XXXX. When questioned about the validation, XXXX stated that she is validating the debt. Supervisor spoke with me stating the creditor is XXXX and that XXXX was wrong, the amount was {$64.00}. Supervisor alledged that a validation letter would be sent out, but as of XX/XX/XXXX no such letter has arrived.
Product: Mortgage

On XXXX XXXX,2017 I received collections and process of foreclosure on my home.
I have not receive a approval from First Continental Mortgage on my VA Loan Modification and affordable mortgage payments have not been implemented.
I already contacted HOPE Program Counselor on Satuday. XXXX XXXX,2017 and I have a case caller ID # XXXX ( HOPE Program contact XXXX .I am already enrolled.I can not afford to pay {$5600.00}.
VA Loan Modification should have been approved and completed. We are going to the month of XXXX 2017 and like to start making my affordable timely VA Mortgage payments starting XXXX XXXX,2017.
I will send verification on First Continental Mortgage collection by electronically email to Federal Government and ADA Disability Act under Department of Justice.I am XXXX Lifetime and Retired and love to stay in my home.
Urgent Matters!
Product: Debt collection

Hello, Im contacting you about the company M. Leonard & Associates XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX. They are inaccurately reporting information to the credit bureaus. They are continuously and unlawfully re-aging this account and adding unrealistic fees that is showing up on my credit report. 

This is deemed as derogatory and ILLEGAL!! They have NOT sent me any information whatsoever that they are not licensed to collect in the State Of California. They have not validated this debt with me with no signatures on any letters.

It is illegal for debt collectors to re-age credit accounts. Re-aging is a very serious violation of the Fair Credit Reporting Act. They have violated my rights as a consumer and I am requesting this be removed from ALL 3-credit bureaus.
Product: Mortgage

To Whom It May Concerns : My name is XXXX XXXX I was trying to refinance my loan with XXXX XXXX XXXX  office was XXXX XXXX XXXX, XXXX NMLS # XXXX XXXX XXXX NMLS # XXXX Mr. XXXX he stayed my loan with him about in XX/XX/2021 after few months later he told me my credit score has dropped during the time doing my loan I didnt charge or did any changes with my credit I was adding my daughter as well her name is XXXX XXXX XXXX XXXX XXXX he reported or updates my income to with my creditors during that time few of my credit card was closing XXXX he was pulling our credit repot weekly to see if my daughter was not charging or use her credit by pulling our credit report thats what brought our score down. XXXX XXXX also request pay out from my Mortgage company four time for payoff which he should have done once in the beginning and one at the end so my loan got Declined due to credit score when I complained to the manager Mr. XXXX he just refunded me the charge that Freedom Mortgage Company charged me for payoff {$100.00} for the credit score didnt want to do any about it Than I tried doing my refinance with my own mortgage company Freedom Mortgage loan offer was XXXX XXXX XXXX loan advisor, I asked him give me a one with cash out and without Figure he did give me with cash out and once I asked Mr. XXXX  to give me a without cash out he withdrew my application and stop replying to my email and phone calls with out Explanation tried to Complained XXXX listen to me said XXXX call me back no reply back This MORGAGE Companys are taking loan and at the end Decline loans they do not care about our credit score going down. 

Now I am refinancing with XXXX XXXX XXXX they want me to pay PMI my understanding when paying PMI is when you dont have Enough equity on your house even with the cash out I have equity should not be charged PMI this is not helping me it is Managing me out of my property During Pandemic we home owners should be getting helped please advise what or how can I help to save my credit score and save my house Regards XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently 5 XXXX XXXX XXXX XXXX XXXX closed accounts reporting negatively on my Equifax credit report. Around XX/XX/XXXX I was able to get the XXXX XXXX XXXX XXXX XXXX accounts REOPENED and CURRENT with Dep of XXXX XXXX but the 5 Dep of XXXX XXXX XXXX accounts that are closed are still reporting negatively on my Equifax credit report. 

Between the Dates of XX/XX/XXXX - XX/XX/XXXX I have disputed with Equifax and XXXX multiple times via telephone and mail to have the closed student loan accounts removed, but Equifax and XXXX refuse to remove the 5 XXXX XXXX XXXX XXXX XXXX accounts that are closed and reporting negatively Equifax is the only credit reporting bureau that is reporting the XXXX XXXX XXXX as closed and negative even though in XX/XX/XXXX the accounts were REOPENED and now CURRENT with Dep of EdXXXX I have disputed with Equifax using Consumer law and most recently XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called Equifax on XX/XX/XXXX because I was unable to access my credit report. When I logged into my myequifax account and clicked on credit report, I received an error message stating the following : " We are temporarily unable to complete this request. 
Please try again later. '' The agent that I spoke with that day said that the problem would be escalated and I should hear from someone within a few days. I never received a call or email regarding the case. 

I called again on XX/XX/XXXX to follow up because I still had not been contacted. The agent that I spoke with that day attempted to help me with gaining access. The agent had me log into the myequifax site and walked me through a few steps to try to resolve the issue. Once I followed the steps I received an email stating the following : " We have completed the review of your online account at www.myequifax.com and we are pleased to advise you that the login issue you experienced has been resolved. 

Please log in using the password associated with your myEquifax online account. If you do not remember your password, please select the " Need Help Signing In '' link under the password field. This will allow you to do an account recovery and update your password if needed. If you experience any issues, please feel free to contact our consumer care department at XXXX between 8:00am 12 am, 7 days per week. 

We sincerely apologize for any inconvenience this issue may have caused. 

Thank you for contacting Equifax, XXXX Equifax XXXX XXXX XXXX '' I informed the agent that after trying the troubleshooting method, I was still unable to access my credit report and I was still receiving the same error as before. The agent told me that the case would be escalated. I informed the agent that the case had already been escalated the month prior but I still had no resolution. The agent was unable to provide clarification and told me to call back in a few days. 

It is now almost 2 months later and I am still receiving the same error when trying to access my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have checked my credit report an noticed this account that has no account name and say original creditor. The account number is XXXX which gives no information as to who this is. I also read the law and 15 usc 1681b permissible purpose and it says Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; I never gave this unknown comoany written permission to put this account onto my consumer report. They have violated these laws. 
Also 15 usc 1681e compliance ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I don't know who this account belongs to nor do they have any identifying information for me to figure out who they are.

15 usc 1681 ( a ) congresstional findings- ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

This account needs to be deleted asap for the violations I have showed above.
Product: Debt collection

Wakefield is trying to charge me for whatever type of debt that I didn't do or made my identity has been stolen by someone and I don't know.