23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio Services has failed to allow me to be reviewed for all potential retention options on my mortgage loan. They received millions of dollars of tax payer money, but have kept me at bay for assistance for over four years. I have been through some very difficult times personally and professionally, but am back on my feet and can make a reasonable mortgage payment, if given the opportunity. I am finding it impossible to engage SPS in a constructive conversation to bring my mortgage loan current. SPS seems to want to help since I continually receive letters from them stating they are interested in helping me with my loan and their representatives seem to be trying to get me into a modification. However, their entire process falls apart and my application process never gets beyond the application stage. I am not sure if their representatives can not get the job done or if their process lacks the structural integrity to get me through to modifying my loan, but I am at the point where I would like your office 's assistance to ensure my requests for help gets through the review process of SPS. I have an assigned single point of contact, but they have blocked every effort I have made to save my home. I have never had a full review of my loan for mortgage assistance options. 

Life was going very well until I the company I was working for closed its ' doors in XXXX and I had a hard time finding employment. I paid on my mortgage as best I could, but couldn't keep up. I reached out to get SPS to work with me on a modification, but the process went nowhere and they advised me to stop making payments to get assistance. This was bad advice and now I have a foreclosure date on XX/XX/XXXX. 

I have landed on my feet and am making significantly more income. I also have my husband 's income and our combined income fits into guidelines to qualify for assistance. I want to save my home and I want a review based on my current income. 
The representative I speak with didn't give me any opportunities or chances to resolve this issue and instead make excuses for why I am not getting a review. I am running out of time and am afraid that the big banks are still rolling through homeowners and putting them on the streets instead of doing the work to help them.
Product: Debt collection

I was in forbearance with XXXX XXXX until XXXX, XXXX. 

XXXX XXXX sold our mortgage to Freedom Mortgage XX/XX/year> without notification of transfer. 

Freedom Mortgage sent mail saying I owed {$16000.00} in debt when my payment were paused with XXXX XXXX ( False Information ). They also said my forbearance ended XXXX XXXX and my account was in severe delinquent status is I did not pay mid month without sending notice. ( False Information ). 

Now they are asking for more documentation for starting over the forbearance process which should be transferred with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The Equifax data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also XXXX  is reporting inaccurate information going by the newest lawsuit against them I am considering seeking a legal attorney on this matter because I am being treated unfairly as a consumer.
Product: Checking or savings account

TD Bank does not pick up the phone. I have to dispute charges from XXXX in my checking account and they do not pick up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used fraudulently use my name, ssn.i haves addresses that is not mine on my credit report and they tried to get credit cards in my name.
Product: Credit card or prepaid card

Citibank 's practices are egregious during a time of severe hardship when so many families have been pushed beyond the brink financially. 

I, luckily, am not one of those families. However, I have an account that has always had a XXXX limit. When going to pay my last bill I noticed that I no longer had XXXX ... I had XXXX. Literally {$60.00} dollars over what was currently being charged. They lowered my account for NO reason - no missed payments EVER - I'm always on time. This in turn lowered my credit score because it showed I did not have as much credit available as I previously did. It makes it look like I am utilizing all of my credit!

Citi is HORRIBLE and the way they treat their customers should be screamed from the mountaintops! 

Not only did the above issues arise but I had several bills set up to be paid on that card and once they UNKNOWINGLY to me cut my limit down to 11 % of what it was - I missed payments.
Product: Checking or savings account

In accordance with the Fair Credit Billing Act please provide the information that was used to verify the charge in the amount of {$280.00} as authorized. This is a request for all documentation provided by the merchant.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX service Connected XXXX Veteran who qualified to have student loans forgiven. My Student loans were forgiven XXXX XXXX by XXXX the account was removed from my experian account but has yet to be removed from my XXXX and XXXX reports. No one is ever available to help with this matter when calling Mohela. I am in the process of buying a home and this does not reflect well on my behalf. XXXX currently has class action law suits against them for wrongful practice. I would just like some help in forcing them to do right by the people who trusted in them.
Product: Debt collection

Mutiple dispute letters sent certified as well as the agency   XXXX    XXXX  and no returned mail with valid proof or documents to proof this collection is mine that I requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion Disputes Information Center Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX - Account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XX/XX/XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX XXXX
Product: Mortgage

Carrington Mortgage bought out my home loan. My mortgage payment is {$500.00} per month plus {$200.00} for escrow. When I called in to set up a payment to pay my mortgage on XXXX XXXX, 2016 a Carrington representative stated to me that every 30 days that if the mortgage is not paid, that the send someone to ride by the property to make sure that the property is still occupied and that this fee is {$460.00}. This unnecessary fee is like I 'm making double the payment. This can not be legal. What ever happened to late fee after 30 days. I am requesting that this matter be investigated because this company is ripping consumers off!!!! My loan number is XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. You may contact me at XXXX. My name is XXXX XXXX and my husband 's name is XXXX XXXX. You may contact me at any time. Thanks! 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with a fair credit reporting act XXXX account XXXX XXXX XXXX amount of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights : Protection of consumer credit rights 15 66. ( 1 ) A credit provider must not, in response to a consumer exercising, asserting or ( a ) discriminate directly or indirectly against the consumer, compared to the 40 credit providers treatment of any other consumer who has not exercised, asserted or sought to uphold such a right ; ( b ) penalize the consumer ; ( c ) alter, or propose to alter, the terms or conditions of a credit agreement with the consumer, to the detriment of the consumer; or ( d ) take any action to accelerate, enforce, suspend or terminate a credit agreement with the consumer.

( 2 ) If a credit agreement, or any provision of such an agreement is, in terms of this Act, declared to be unlawful or is severed from the agreement, the credit provider who is a party to that agreement must not, in response to that decision- ( a ) directly or indirectly penalize another party to that agreement when taking any action contemplated in section 61 ( 1 ) ; seeking to uphold any right set out in this Act or in a credit agreementXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ~ ~ ~ ~~ ~ ~~ ~~ Act No. XXXX XXXX XXXX ACT, XXXX ( b ) alter the terms or conditions of any other credit agreement with another party to the impugned agreement, except to the extent necessary to correct a similarly unlawful provision ; or ( c ) take any action to accelerate, enforce, suspend or terminate another credit agreement with another party to the impugned agreement. 5 Part B Confidentiality, personal information and consumer credit records Conflicting legislation 67. In the case of an inconsistency between a provision of this Part read with any relevant definition in section 1, and a provision of the Promotion of Access to 10 Information Act, 2000 ( Act No. 2 of 2000 ), the provisions of this Part and that Act apply concurrently, to the extent that the provisions of this Part are not excluded in terms of section 5 of that Act.

Right to confidential treatment 68. ( 1 ) Any person who, in terms of this Act, receives, compiles, retains or reports any 15 confidential information pertaining to a consumer or prospective consumer must protect the confidentiality of that information, and in particular, must- ( a ) use that information only for a purpose permitted or required in terms of this Act, other national legislation or applicable provincial legislation; and ( b ) report or release that information only to the consumer or prospective 20 consumer, or to another person- ( i ) to the extent permitted or required by this Act, other national legislation or applicable provincial legislation; or ( ii ) as directed by- ( aa ) the instructions of the consumer or prospective consumer; or ( bb ) an order of a court or the Tribunal.

in relation to this section, is an offence.

25 ( 2 ) Failure by a credit bureau to comply with a notice issued in terms of section 55,
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding Account Number : XXXX Mortgage Company : XXXX XXXX/XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, SC XXXX In XX/XX/2019 we were advised from our Mortgage Company XXXX   that our loan had been sold to XXXX XXXX/XXXX XXXX XXXX. Payment was made on XX/XX/XXXX to XXXX XXXX ( see attached bank statement ) upon attaining the info from XXXX as we still had no statement to pay from ( they were mailing to the rental address apparently ). We contacted XXXX XXXX upon our tenant receiving delinquent notice on their door in XXXX ( home is a rental ). XXXX XXXX says they do not show the payment and when I sent them proof by email from my bank account on XX/XX/XXXX the payment was miraculously put back in our bank account on XX/XX/XXXX ( see attached bank statement ). We have contacted XXXX XXXX 3 multiple times and mailed the requested bank statements as proof and they replied simply the matter is closed. My credit has been affected and they refuse to acknowledge receipt of the funds and correct the reporting.
Product: Mortgage

A simple loan modification to remove ex-wife from the mortgage due to divorce. Rather than a simple modification, I was forced to go through an entire closing process with excessive demands for qualification and excessive and improper closing costs for a mortgage that was already in my name. Even though I was well financially qualified ( assets far in excess of the loan amount ) and had home valuation over two times the amount of the loan, I was put through the ringer to " re-qualify. '' In addition, I was forced to pay excessive closing costs, including appraisal fees, credit reports, lender 's title, lender 's endorsement, settlement fees, document fees, a modification/assumption fee, etc etc. This should have been a simple loan mod without all of the fees paid again. Initially they had estimated over {$7000.00} in closing costs for a simple loan mod. When I complained it was reduced but still had to pay over {$3500.00}. 

Right before closing I was instructed not to make the payment for the current month and then received a late fee and overdue payment notice.
Product: Mortgage

Universal American Mortg age is reporting Foreclosure on my credit report and it was never a foreclosure.
Product: Debt collection

Midland Credit Management Inc. uses offshore call centers to collect debts. In telephone calls with me, their representatives used false names. It appears MCM instructs them to use an Americanized name in order to convince people to pay the debt despite giving their personal information to an offshore call center. 

By falsely representing the true name of the collector, and Americanizing their names, MCM is violating the false representation provisions of the Fair Debt Collection Practices Act.
Product: Money transfer, virtual currency, or money service

Last year my PayPal account got banned. I received an email from them saying I violate user agreement policy but they did not explain the specific reason and what rules I violated they just banned it and put permanent limitations in my account so I can't access my account balance nor send or withdraw it. 

I researched online what are the common rules of PayPal and I think it's because I try to link my PayPal account to my bank account that my mother already try to link that bank account of mine in her PayPal but unsuccessful since it did not match her name and my bank account.

I thought that bank account of mine is free to link on my own PayPal account as my mother failed to link in hers. 

I did not intend to commit any fraud or any illegal activity or any violations I hope PayPal gives me a second chance and let me retrieve my account. 

I sincerely apologize for inconveniences I have made in PayPal for that matters but please give me another chance to correct my unintended mistake
Product: Credit reporting or other personal consumer reports

I am filing to formally dispute and request an investigation into an inaccurate collection account reported by XXXX, XXXX, and TransUnion on my credit report. The account details are as follows XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXXXXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Thank you for removing some incorrect items from my file due to alleged fraudulent activity. However, several items still need to be addressed. I am a victim of inaccurate credit reporting and dispute the following items, which do not relate to any transactions I have made or authorized. Please remove these erroneous items from my credit file : Experian XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5700.00} XXXX XXXXXXXX Balance Owed : {$0.00} - Previously Late/Closed XXXX XXXXXXXX Balance Owed : {$10000.00} - Previously Late/Closed XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed XXXX {$5500.00} XXXX  XXXX Balance Owed : {$10000.00} XXXX XXXXXX/XX/XXXX. These items are unknown to me. Additionally, some items have been deleted from other bureaus, raising doubts about their accuracy and the reported payment history.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report on XX/XX/year> and noticed an account XXXX XXXX  that was not reporting accurately. I have XXXX missed payment in XX/XX/year> reporting XXXX XXXX late that in fact was paid on time and never missed. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a proof of my address and a copy of my identification card I'm now requesting you investigate this account and update these payments to never missed and paid on time immediately. I'm now requesting you investigate this account and update these payments to never miss and paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reporting inaccurately on my credit file : Inaccurate personal information : Names : XXXX ( XXXX ) Names : XXXX ( XXXX  ) Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX  XXXX Address : XXXX XXXX XXXX XXXX Equifax XXXX Address : XXXX XXXX XXXX The following account does not belong to me ; Identity Theft Items : XXXX XXXX XXXX Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  & Equifax XXXX ; Bal : {$59.00} ( XXXX, XXXX, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX  XXXX ; Bal : {$0.00} Unauthorized Inquiries : XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

They charge overdraft fees for money thats in my account when initial charge happens but then hits me with overdraft fees because they dont settle my account until a week later. I have called and spoken with a rep and all they say is bc its taken, theres nothing they can do. But it was taken fraudulently.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with XXXX loans in XXXX. I was able to make a payment but unfortunately I had fallen through hard times. On XX/XX/XXXX I entered a payment plan. I was able to make XXXX payments. The last payment I made was XXXX XXXX I checked my finances yesterday and I saw I didnt have enough funds due to an increase of expenses so I reached out to account resolutions and asked to remove my payment plan which was done. And I explained my situation. 

I reached out via XXXX  and CFPB on XX/XX/XXXX explaining the hardship I am in. I received a response from Ascend Loans on XX/XX/XXXX that they are willing to settle for {$910.00}. Since XXXX I have been struggling to make ends my expenses keep increasing. And I would like to how much I have paid while I was on the payment plan back in XXXX and to settle this account I have been previous customer with ascend loans since XX/XX/XXXX. I look forward to a resolution to this matter
Product: Credit card

I asked for the exact payoff on my account so I could completely close the account I paid the account in full and have recently got a bill from them I will not pay anything else on this matter because it is closed and was paid in full!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised years ago and I've disputed these very accounts before. However, the 3 major credit bureaus has ignored my consumer rights that's afforded to me by the FCRA inwhich is supported by the FTC. The credit reporting agencies response to my disputes were " accounts been verified. Verified without any certified physical documentation, nor was I ever given accurate account of the process. Please provide me with the detailed Method Of Verification used in all these accounts inwhich I'm disputing and if you and/or your companies do not fully comply then you must remove, delete and/ or block the following accounts immediately as my rights vis the FCRA . The accounts are as following. 
# 1 ) XXXX XXXX {$630.00} # 2 ) XXXX Bank {$740.00} # 3 ) XXXX XXXX XXXX {$91.00} # 4 ) XXXX   XXXX XXXX  {$0.00} # 5 ) XXXX XXXX Build # 6 ) XXXX XXXX {$6.00} # 7 ) XXXX XXXX XXXX # 8 ) XXXX  XXXX XXXX {$6.00} # 9 ) XXXX XXXX XXXX XXXX {$1.00} # 10 ) XXXX XXXX XXXX {$1.00} # 11 ) XXXX XXXX {$860.00} # 12 ) XXXX XXXX XXXX XXXX XXXX {$31.00}
Product: Checking or savings account

On XX/XX/2024, 141 XXXX XXXX transactions in the total amount of {$800.00} were made, unauthorized on my Chime checking account. I called a filed a claim disputing the charges on XX/XX/2024. The very next day XX/XX/2024, I received an email from Chime stating that after investigating the charges they found no errors made and denied my claim. I called that same day to inquire as to why the claim was denied and Chime told me that I would have to wait to receive the results of the investigation within 10 days to find out why the Claim was denied and that I had to request those documents. No one else could tell me even though I was talking to the disputes department. On XX/XX/2024, I called again to speak to a supervisor about the claim. The supervisor filed a rebuttal claim to reopen the claim they denied including my recent XXXX XXXX  transactions, at which the supervisor requested I send them. The supervisor also filed another request for the investigation results documentation. Since that time I have not received any information about the rebuttal claim I filed. On XX/XX/2024 I received an email from Chime that listed the transactions from my claim dispute, the intake questions and the documents I upload to them. There was no information in the email of an actual investigation. On XX/XX/2024 I called again to check the status of my rebuttal claim results and I was told that the claim was denied again that in order for them reopen the claim again is if I sent in more documents pertaining to the unauthorized charges. I ask what kind of documents did they need because I had already given all the documents I had. The Chime representative could not tell me what else they needed and that there was nothing else he could do for me.