23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My ex-wife was awarded the home in a divorce. She was ordered to sell the home or refinance it and remove my name from the mortgage with in 4 years. She did not do so. She is behind on the mortgage several months. in XXXX of 2017 she entered into an agreement with the bank that she would make 6 months of payments on time. I got control of the house in XXXX 2017 through the contempt order from the court. I have tried to remedy this situation by getting a real estate agency as well as finding an investor for this property. I am not in financial position to be able to carry this loan and am willing to work with the lender to settle this issue with a short sale. The problem that I am having is that Select Portfolio Servicing INC. is the mortgage servicer on the referenced account. I have submitted my proposal for a short sale to Select Portfolio Servicing INC and was told that the investor would not accept a short sale due to the fact that My Ex-wife was in default of her agreement with them. I have spoken to Select Portfolio Servicing INC and requested to speak to the investor and explain my unique situation. They refuse to give me information on the investor and tell me that they do not have that information. My question to them is if you do not have the information then how can you tell me that they will not accept a short sale. I requested information on who they spoke to as well as a phone number and an address of the investor for this account.Select Portfolio Servicing INC will not give me this information so that I can settle this issue with the bank. I feel that this is bad business practice and that they are interfering in a good faith attempt to settle a debt that my Ex-Wife failed to do. I am doing all I can to take care of this and have spent a lot of money in legal fees just to get to this point. Select Portfolio Servicing INC has many complaint filed against them and they need to be looked into!
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the unauthorized inquiries that have appeared on my credit report. Despite my diligent efforts, including multiple written letters and numerous phone conversations with representatives from the credit bureau, these inquiries persist without resolution. Not only do these unauthorized inquiries cast doubt on my financial integrity, but they also impede my ability to achieve my goal of purchasing a home. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure the accuracy of the information in my credit report. These unauthorized inquiries must be addressed and promptly removed by the provisions outlined in the FCRA. 

The following unauthorized inquiries must be removed from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These unauthorized inquiries misrepresent my financial standing and unfairly obstruct my ability to secure a home loan, which is essential for my financial stability and independence. 

I kindly request your assistance in advocating on my behalf to ensure the timely removal of these inaccuracies from my credit report. Your support in navigating this matter and upholding my rights under the FCRA is greatly appreciated.
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. TransUnion 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 XXXX  days straight with transunion 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im dXXXX now.with no help.
Product: Debt collection

I just spoke with Recovery Management Services and inform them that XXXX University Online did receive the full payment of {$2000.00} as of XXXX XXXX, 2015 with debit / credit. They are going to check with their accounting department and follow up with you with the payment
Product: Student loan

On XX/XX/2018, I applied for a military deferment by submitting orders for an overseas contingency with the XXXX XXXX to Navient and Navient processed the request. The orders were for a XXXX XXXX XXXX from XX/XX/2018 through XX/XX/2018. After I was XXXX, I was automatically billed {$110.00} on XX/XX/2018. I emailed Navient through their website inquiring as to why I was being billed during a deferment period. I received a response incorrectly countering that my service was not in connection with an overseas contingency eligible for deferment with Military No Interest Accrual. I then called the companys  military affairs number explaining that the orders clearly stated that the XXXX was in support of a contingency in a qualifying area. The representative was helpful and apologetic after reviewing the orders that they did in fact indicate that this was a contingency operation. My initial application had been erroneously processed as an SCRA application only, but not a deferment. The deferment was finally processed on XX/XX/2018. However, on XX/XX/2018, another automatic payment was charged for {$110.00}. I called Navient again to inquire why a second payment was processed after the deferment was resolved. I was simply given an apology and told that their automatic billing system wasnt quick enough to catch the deferment and refunds could not be issued.
Product: Credit card or prepaid card

car company charged me online, and gave me quoted price of XXXX $ for a car. 
then i got there and they said they are not affiliated with the online place. but they put the XXXX $ toward a much larger charge, lying and proving they were affiliated with them. 
they took cash for the difference, and ran my cc for " authorization '' in case i wrecked the car. 
then they wrote down the cc number, and when i left the country, charged me almost XXXX $ fraudulently. 
I wasn't even in the country anymore and never signed to authorize any such charges. 
I reported this to the cc company and faxed them a receipt of the cash payment i made, showing they wrote down the card number. and that the charge was marked as authorization/delayed charge. 
The cc company said they couldnt read it. i faxed it again. again teh same guy said he couldnt read it. i told him to give me an email or digital method to send it and he refused. 
then he hung up on me. 
i then got a call and voicemail saying on friday night like XXXX that if i didnt mail it and he had it by sunday, that he would close my file and deny my fraud claim. 
i called and spoke to a supervisor who said i wouldnt have to deal with him anymore. and they would have a supervisor call me back. they never did. instead i mailed in the document and got three letters from the first guy first claiming he didnt get the faxes, then claiming he got them and it was illegible, then claiming something else. all three letters were contradictory to each other. so i called again and a supervisor " took my complaint '' and said i wouldnt have to deal with that guy anymore. and a supervisor would call me back.

i got a call from a supervisor who claimed i hadnt sent in enough documentation and that they were denying my fraud complaint. then i got a letter saying that the documentation i sent was outside the time frame to assist me, even though i sent it three times and it proved beyond a shadow of a doubt that a ) the car company lied about the charges, lied about affiliation with the online place, overcharged me while i was there, and then double charged me on my card later. 
either way, this is a fraudulent charge and they are trying to make me pay for it.
Product: Checking or savings account

I have had multiple problems with Citibank. To include : They routinely locked my account and wouldn't verify that I was me. I had to go in person and sit with the banker ( showed ID and did all account processes ) and they contacted the bankers by phone to lift the hold on my account for verification. Then they would randomly re-lock it and I couldn't verify my identity. On the days it would let me XXXX to another account, it worked. Most days it wouldn't allow me to do it or take out the funds. I would have to go in person to the bank and verify my identity to get cash out instead. I did find that one issue was they mixed up answers to my verification process and I could never get them right because their answers were wrong and they refused to correct it. 

In XXXX I had them cancel my wire transfer, which was done in person with a banker, because of fraud and went through the same process of verifying myself and they almost didn't want to release the funds to a verified account. It took several hours. 

They should not be allowed to withhold funds and transfers because you can't verify yourself, based on their own system swapping questions to answers. At one point I realized this issue because they asked me a verification question I was never given as an option to answer at sign up or at any other point during my banking time. It seems more like they are trying to keep funds wrongfully. 

Additionally their online XXXX transfers would " error '' when I could verify myself. The in person bank said it was usual and to just try it on a different day. 

This was a repeated problem- they wouldn't allow me to access my funds. 

When I closed my account in XXXX of this year I was still do a tax document for interest on the account. To date they haven't sent it or uploaded it online. I've repeated contacted them via phone and via their online chat. On XX/XX/XXXX I was informed for the first time that I could no longer use the chat feature as they didn't have access to my account. Mind you, I used this feature repeatedly trying to find out where my tax document was. I was told it would be online, I was told it would be mailed. I was told it wasn't due until the end of XXXX. Finally on XX/XX/XXXX I was told that they couldn't help me with the chat feature and I had to call. When I called they told me they already mailed it at the end of XXXX ( to date no receipt ). I asked why they would tell me on the chat it would be published online or not given until the end of XXXX. They didn't have a good answer. Then the person on the telephone said they would have to get permission to give me any tax documents. After a hold I was told permission was granted for me to have the tax documents. They were due to me months ago and once again I am getting the run-around from Citi. 

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

In accordance with the Fair Credit Reporting act XXXX  Account " 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: Money transfer, virtual currency, or money service

I used cashapp to send and receive money from people I know. An individual paid me {$100.00} through cashapp and XXXX weeks later on XX/XX/XXXX filed a dispute with his bank on that XXXX. He has done many transactions with me before. He is scaming me out of the money by lying to his bank that the transaction was not intentional. Cashapp automatically started the refund process without checking with me. I reached out to their support and they said there is nothing they can do.
Product: Debt collection

Midland Credit Management XXXX : Consumer Support Services XXXX XXXX Big XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear XXXX XXXX, I have recently received a notice that Midland was zeroing out the account in their office that was falsely reporting to my consumer report. Since XX/XX/2021 I have written proof of Midland refusing to remove this inaccurate information or stop trying to collect on the alleged debt as they stated they had proof I owed anything to Midland. I also requested Midlands contract directly with XXXX XXXX Bank as I know that this company purchased that debt thats already been written off and was attempting to collect it from me illegitimately. 

I have not now, nor have I ever done business with Midland Funding. For them to park this inaccuracy and lie about investigating it and refusing to remove it is willful noncompliance with the FCRA laws. I have already reached an agreement with the XXXX XXXX XXXX XXXX for their roles in allowing you to furnish this information without my written consent and against my continued efforts to remove this account. 

Now that it is removed, I demand that Midland pay me what is owed to me according to law. I have actual damages and there are {$1000.00} violations attached to each time is was reported. Each month is a separate violation, and I am giving this company one opportunity to cure this situation, or we shall allow a federal judge to look at all these deceptive forms that have been mailed to me over the past year in support of your wrongdoing. It all stems from the false misrepresentation of Midland on my consumer report. I am due justice, and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for XXXX and you do not have to pay attorney fees, or we can add my consumer lawyer to the situation and under the FCRA you will pay him as well. Your choice. 
I have dealt with this harassment for long enough. For far too long my character has been defamed by the comments left by Midland on my reports against my efforts to resolve the situation outside of XXXX court. I expect a settlement offer within XXXX  days of this notice or further legal action will be initiated. 
I have enclosed XXXX pieces of evidence that proves just how long I have been fighting and the type of response and willful non-compliance I was getting from Midland in response to my disputes. You should be ashamed of yourself XXXX. Talk Soon.
Product: Mortgage

i was contacted by someone who came to my house. He promised to would get XXXX of equity of the house at closing if i paid him. i closed and got no money, i am now in a mortgage i cant afford - they lied about my income. i cant make payments and need to fix the apartments for tenants. lacking the money.
Product: Credit reporting or other personal consumer reports

XXXX {$2700.00} XXXX {$710.00} inquiries XXXX These lenders have accessed your credit file : XXXX XXXX XXXX XXXXXXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Removal date These are NOT my accounts I've uploaded police and ftc and nothing has been done these accounts are reporting on all three bureaus. Also XXXX refuses to remove fraudulent inquires that has been reported as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX
Product: Checking or savings account

I tried to make an online deposit to my savings account and was not able to. I called customer service and was told the bank ( Chase XXXX closed my account and was not given a reason nor notice of the closing until my call. This occurred yesterday, XX/XX/XXXX, XXXX my balance in the savings account was {$13.00}, XXXX when the bank closed it. I called the bank and they refused to tell me why. I believe it was discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXXXXXX Balance : {$9900.00} ; XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX & XX/XX/XXXX someone logged into account a sent three XXXX transactions to their account after stealing my phone. 
Transaction 1 was for {$1.00} Transaction 2 was for {$1300.00} Transaction 3 was for {$1400.00} On XX/XX/XXXX I filed a claim with chase informing them of the fraudulent transaction claim # XXXX chase denied the claim on XX/XX/XXXX. 

I had my attorney send chase several letters in which they never responded to. 

To Whom It May Concern : Please be advised that our offices have been contacted by XXXX regarding the claim and account number set forth above. MsXXXX XXXX informs us that on or about XX/XX/XXXX, an unauthorized charges in the sum of {$2800.00} was assessed against her account by XXXX Payments. She does not know the recipients of the funds. 
As Ms. XXXX did not authorize the charges, she promptly disputed the charges with Chase Bank on XX/XX/XXXX and the claim number set forth above was commenced. On XX/XX/XXXX, your offices closed Ms. XXXX claim, erroneously concluding that the transaction was properly processed and/or authorized. Ms. XXXX then disputed the finding and Chase again denied the dispute, saying that no fraud triggers could be detected and that the device used was consistent with her log in history. 

Ms. XXXX states that her device was secured in a locked location while she was hospitalized for XXXX. She was unaware that her phone had been stolen as she was seriously ill and hospitalized at the time. She therefore had no occasion to report the theft until she left the hospital and discovered it. Ms. XXXX asserts that at no time did she initiate these charges with XXXX. As such, the charge was clearly fraudulent and Ms. XXXX should not be held financially liable for the charges. 
On behalf of Ms. XXXX we demand that your offices reopen this claim and remove the charge and any related fees from Ms. XXXX account and send Ms. XXXX written confirmation of the account adjustment. Alternatively, if your offices contend that the charges were authorized, then we demand that your offices produce written copies of any and all documentation upon which base your conclusion for Ms. XXXX review. If your offices fail to comply with this demand within twenty-one days of the date of this letter, we shall advise MsXXXX XXXX to pursue all remedies at her disposal. This firm appreciates your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Covid 19 Relief Program. We were out of work. But, I never missed a payment not one month in 2020. Rocket mortgage reported that I did not make a payment from XXXX - XX/XX/2020 on my credit report and brought my credit score down 100 points. 

I asked specifically would it affect by credit and will it still be reported. They promised that it would still be reported and it would not affect my credit. But, it did.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is currently reporting an account that I am not responsible for to Transunion that needs to be removed.