23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The mortgage servicer that I have been with did not pay me the full amount owed to me after my new mortgage provider funded the Payoff. 

Instead of crediting my last payment to my principal balance, Select Portfolio Servicing simply returned my XX/XX/2020 payment to me. 

Here is the summary : Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Loan Payoff Code XXXX Payoff Date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CO XXXX Enclosed are two documents regarding the principal balance of the above referenced loan. 

One is a statement dated XX/XX/2020 and the other is a Payoff Statement issued by SPS. Both of these statements reflect my XX/XX/2020 payment having been received and processed by SPS. Both documents state a principal balance of {$470000.00}. 

Select Portfolio Servicing is obligated to return to me any and all funds in excess of the principal balance at the time of payoff of my loan # XXXX. SPS was funded {$470000.00} on XX/XX/2020. This added 8 days of accrued interest at a rate of {$38.00} per diem. The total owed to SPS for payment, per your Payoff Statement was {$470000.00} + {$310.00} ( 8 days interest ) = {$470000.00}. This means SPS owes me {$3500.00} On XX/XX/XXXX, Select Portfolio Servicing sent me a check in the amount of my monthly payment {$2800.00}, when in fact SPS owes me {$3500.00}. 

Please regard this as my official request for payment of the {$660.00} owed to me. I am sending this letter to Consumer Financial Protection Bureau with my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several years ago I was a victim of I.D theft resulting in a number of student loans appearing on my credit report. My repeated request over the last several years to have this matter rectified has been to no avail. TransUnion, has taken the hard knock positions that this matter has been investigated and that no further investigation is warranted. I have requested that this issue be looked into under Section ( 609 ) of the  Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. ( This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is mines ) has been non responsive. In fact TransUnion response has been vague, it does not explain what they investigated, the nature of and results of their investigation, who they talked too or when the investigation took place. In fact, unlike XXXX & XXXX and they have repeatedly failed to prove me of a copy of my credit reports in order to substantiate their findings.
Product: Debt collection

I have recently ceased an auto debit program at Navient XXXX XXXX XXXX XXXX Student Loans due to their processing times negatively affecting how I budget my income each month. I am currently on an interest only income based repayment plan and will nos be paying using a Web based bill payment feature through my bank to better control how payments are disbursed. 

As a result of recent fraudulent activity, where {$470.00} was taken from my bank account by XXXX fraudsters, I was unable to pay my monthly bill, yet Navient continues to harass me and my parents ( co-signers ) up to 8 times a day from various numbers XXXX to name a few. In some casesthese calls are received prior to XXXX. I am working to secure an affidavit from my bank regarding the fraudulent activity. 

In the meantime, I am fully aware of the debt I owe and do my best each month within my means to pay a monthly amount. The harassment diminishes my quality of life, my parent 's quality of life, and interrupts my rest when I am on legal rest during my time away from home in my role XXXX. If my parents had the means and proper notice by Navient, they would assist me during this stressful time while my bank resolves the fraudulent activity, but they can not and therefore do not deserve the multiple phone calls per day that leave them anxious that I, or anyone in my family may have an emergency. I ask for your assistance in asking them to cease and desis the incessant phone calls as well as mail notices reminding us of my debt. We get the picture, they want their money, but it wo n't come any faster by harharassing the debtor.
Product: Credit card

A card was opened at Kohls and used but it wasnt by me and I had no knowledge of the account until I saw my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX ( Account number : XXXX )
Product: Credit card

Citibank is ACTIVELY stealing my money. I have XXXX XXXX  on my account as Credit from a merchant that refunded me for a purchase and they REFUSE, like a bunch of XXXX  sitting in their offices clueless to someone elses money, to give me my own XXXX money. I requested numerous times to have that money sent back to my bank or send me a check as is OUTLINED in our terms and conditions. Citi should be penalized. They charge interest on money a cardholder owes them but they actively steal money and wont refund them let alone pay them interest.
Product: Credit reporting or other personal consumer reports

Please ensure that my credit file is not confused with individuals who share a similar name, address, or SSN. It is imperative to verify all identifying information thoroughly. All claims, regardless of their validity, must be substantiated as currently and completely true, correct, and timely. They should also be demonstrably of my ownership, my responsibility, and compliant with all applicable reporting laws and standards, including but not limited to the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS, and others. 
Per the laws and requisite reporting standards, any entity found in violation of my rights will be subject to legal action. Should you persist in retaining and/or reporting any deceptive allegations even after my submission of a formal consumer complaint, you are hereby instructed to promptly remove any and all unsubstantiated claims from my credit report. 
Please conduct a thorough investigation within the next four days and ensure that my credit file is accurate, complete, and compliant with all relevant regulations. Your cooperation in this matter is greatly appreciated.
Product: Mortgage

During approximately XX/XX/XXXX, due to the Covid-19 epidemic, my wife was laid-off from her XXXX XXXX XXXX employment XXXX indifferently XXXX Also due to the Covid-19 epidemic. my monthly salary was cut approximately 15 % by my XXXX XXXX  XXXX  XXXX  employer. 

Because we were financially dependent on a full XXXX salary family income, I immediately contacted my mortgage company, SPS, for options in paying our future mortgage payment ; which would prevent possible future foreclosure. In response, upon an application submission and review process, SPS generously granted us a XXXX period unemployment forbearance plan, which reduced our monthly mortgage payment by approximately {$1300.00}. 

During approximately XX/XX/XXXX, due to the reduction at that time in the XXXX XXXX rate, my wife was reinstated by her XXXX employer on a part-time basis. In addition, my full monthly salary was reinstated to a pre-pandemic level. 

During approximately XX/XX/XXXX, I notified SPS of my wife 's employment status and my full salary reinstatement status. At that time, I requested from SPS a program to repay the outstanding deferred mortgage balance, of approximately {$20000.00}, due to our past participation in SPS ' granted unemployment forbearance plan. 

On XXXX, i received from SPS in the mail their notice of future foreclosure of my property, if I failed to pay in full the {$20000.00} balance by XX/XX/XXXX. In response, I immediately telephoned SPS about their demand. In response, the SPS Representative informed us that SPS decided not to offer us any monthly payment installment options to pay the {$20000.00} outstanding deferred mortgage balance and thus foreclosure of my property would take place after XX/XX/XXXX, if the full balance isn't received by SPS before that date. 

I clearly and politely explained to the SPS representative that we went through severe financial hardship during the Covid-19 epidemic, which caused us to deplete our financial savings, and thus we didn't have the current means to pay that large outstanding lump sum balance back to SPS, which SPS was now demanding. In response, the SPS Representative informed us that there were currently no repayment installment options available to us to pay back the {$20000.00} balance and thus the full amount was due by XX/XX/XXXX, XXXX 

Please note that we are not requesting any type of charity program from SPS. We just respectfully need a means to pay back the deferred mortgage balance in an installment plan, so that we can avoid upcoming foreclosure and also have the ability to pay SPS back the outstanding deferred mortgage balance that we owe them,
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit and I noticed a fraudulent inquiry, that I did not approve of, nor consent to. The company that pulled my account is XXXX XXXX XXXX. I gave them no authorization or consent to pull my credit on XX/XX/23. I would like to have this removed, because they are violating my rights by law. I have contacted XXXX, and I have also contacted XXXX XXXX XXXX. I have received no response from neither. Please handle this matter as soon as possible. Please delete or remove this from my account.
Product: Vehicle loan or lease

XX/XX/XXXX. I signed my name to a loan for a vehicle through XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX for a used XXXX XXXX XXXX I.D . number XXXX Annual percentage rate 21.689 %, Finance Charge {$14000.00}, Amount Financed {$18000.00}, Total payments {$32000.00}, Total Sale Price {$32000.00} including down payment {$400.00}. I have been paying Bridgecrest {$430.00} every month since XXXX. I got behind in my payments XXXX, because of income decrease and have been trying to get caught back up. My truck was repossessed XXXX Total unpaid contract balance including accrued finance charges, other fees, and any other amounts added to my debt, if any, as allowed by law expenses of there retaking the vehicle. {$10000.00}, {$300.00}, Total amount required to redeem {$11000.00}. I was able to negotiate {$960.00} to get my truck back. Today I spoke to Bridgecrest about another decrease in my income, and if they could go by my income that I'm getting, because I have not been able to pay my rent in the amount of {$760.00} not including Gas, Electric, Water. I was told to pay {$360.00} starting XXXX, {$850.00} by XXXX, or {$1100.00} by XXXX and make regular payments of {$360.00} every two weeks until it will be paid off by XXXX XXXX and my title will be {$18.00}. I simply can't afford this with the income that I have been making. I have been paying on my truck since XXXX. I can't afford to loose my vehicle I have been paying on this long. And I have been doing the best that I can to pay them. They told me that they can't base anything off my income, because I agreed to pay this amount at the time I signed the loan even though I not making what I used to make. I'm still responsible for paying this amount. I am a single parent with a child at home and I should have never signed my name to this loan. All I wanted was a decent car to drive instead of driving a lemon, I have been charged triple for this used vehicle. The covid has been in existence since XXXX. I work with developmental XXXX and it has allowed me to continue to work. I can't work from home. I also have been trying to work odds and ins jobs just to make ends meet. Please don't let them take the only transportation that I have to go to work. It's hard enough. I have other bills, Truck insurance, Maintenance and repairs. I simply can`t do anything at this point, but pay Bridgecrest which is putting me further into a debt crisis.
Product: Bank account or service

Popular Community Bank has offered a {$120.00} bonus for opening checking account. ( Receive {$75.00} when you make XXXX ACH direct deposits of {$500.00} or more. Receive {$50.00} when you make XXXX online bill payments or preauthorized withdrawals. ) I accepted Popular Community Bank 's offer and opened checking account # XXXX ( letter attached ), made a required opening deposit and made preparations to fulfill bank 's requirements for the bonus. Imagine my astonishment and disappointment to find that Popular Community Bank has decided to close my account some XXXX weeks later after accepting my opening deposit. When I called the bank, I was told that account was submitting for closure because the closest bank 's branch is a XXXX miles away from my home. I tried, in vain, to explain to the bank 's representative that I am frequenting the areas in Florida when bank has branches, and generally conduct most of my banking on line, after all, it is XXXX XXXX and everybody has access to XXXX. Moreover, the account I opened is called online Checking with online Banking, online Bill Payment and Mobile Banking. At the end, I was told that the bank is unwilling to change its decision to close my account. 

The bank has made a promise to credit a {$120.00} bonus upon opening of checking account to residents of Florida, New York and New Jersey. I live in Florida and I accepted bank 's offer by opening a required account and making a required opening deposit. XXXX of bank 's offer or a binding promise of bonus represents an unilateral contract for breach of which law provides a remedy. I was unable to complete the transactions necessary to receive a {$120.00} bonus because Popular Community Bank breached the contract by terminating my account without lawful justification or excuse. Popular Community Bank action of closing my account is a breached of contract and law affords remedy or a legal cause of action in which a binding agreement or bargained-for exchange is not honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert less than 24 hours that there was a hard inquiry pulled by the two companies listed below on the dates provided. I called both companies and Equifax to tell them these inquiries are involved with fraud. I never authorize the hard inquiries. I ask to have them removed. Under the FCRA Legally the unverified and unauthorized items must be removed. Please help? 


XXXX XXXX XX/XX/21 XXXX XX/XX/21
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I applied for a personal loan through Discover online. On the website they claimed that it would just be a soft inquiry to check. After I completed the application process I had an offer which I turned down. Since I just checked and didn't agree I shouldn't have a hard inquiry. I tried to resolve the issue with Discover the same day to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed an acct. at comenity capital bank for credit card. Paid it in full that day. They keep harassing and sending me bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX CO Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX continue to report a collection on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and the agency has contacted the bureaus to remove this from my credit report. Unfortunately, the bureaus have not done this. Please remove this line item. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to fix this however, I have not been successful.
Product: Credit card or prepaid card

AFFIRM - ( XXXX ) loans. 

All AFFIRM loans payments were made on time until : a. ) AFFIRM closed the loans including my online access to my account for the loans ; b. ) AFFIRM excused me from making further payments ; c. ) AFFIRM stated they were not able to verify the loan. 

My online acct access was terminated. I am still unable to sign into my acct online since XX/XX/XXXX. 

AFFIRM has as of TODAY XX/XX/XXXX - ( and not XXXX  when the loans were supposedly active ) - placed a derogatory report with the credit bureau. 

AFFIRM has for each of the ( XXXX ) loans reported : PAID/CLOSED/NEVER LATE in XXXX and XX/XX/XXXX. ( see attachments ) AFFIRM today, XX/XX/XXXX, reported charge-offs for loan accounts which ARE NOT MINE. ( see attachments ) QUERY : If the loans were not paid on in XXXX and XXXX, why was there no reporting activity to the credit bureau, with only today 's derogatory report for each of the loans. 

My loans were for ( XXXX ) year, and were opened in XXXX and XXXX. My loans were for less than {$200.00} each. All loan payments were made on time. 

I am unable to access my accounts on AFFIRM.com, and have not been able to access my accounts on AFFIRM.com since the loans were FORGIVEN by AFFIRM in XXXX. 

My loans were FORGIVEN by AFFIRM in XXXX and I was RELEASED from these loans in XXXX. No contact attempt by AFFIRM was made after XX/XX/XXXX. 

All attempts to discuss this matter with AFFIRM were closed down by AFFIRM.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX I signed an email consent for a loan with Big Picture Loans for {$1000.00}. My repayment terms were supposed to be 3 payments of XXXX which would equal XXXX which is outrageous but doable for interest. On XXXX XXXX a payment of XXXX was taken from my checking account. I looked up my account on the webpage and it said I was under contract for for 6 payments of XXXX which equals XXXX. I would have never agreed to such terms. I contacted the company via the webpage and got no response. The next day i tried to log onto my account and it was no longer available. I called the company and said they did not have my information and wanted my drivers ' license number and checking account number and social security number to access my account. I was not going to give this information out again. Two days later I log onto my account and there is no information just a note saying the loan is past due. The next payment is n't due until XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Complaint Regarding Illegitimate Collections on Equifax, XXXX, and XXXX Credit Reports To Whom It May Concern, I am writing to file a formal complaint against [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] for posting the same illegitimate collection on my Equifax, XXXX, and XXXX credit reports. I believe that these actions are in direct violation of several laws and regulations governing the collection of debts, as well as my consumer rights. 

[ XXXX XXXX XXXX ] and [ XXXX XXXX XXXX ] have both reported a collection account that I strongly dispute. Notably, these two creditors are attempting to collect on the same debt, which is misleading and damaging to my creditworthiness. I have attached copies of my correspondence with both creditors, demonstrating my efforts to rectify this situation. 

The actions of [ XXXX XXXX XXXX ] and [ XXXX XXXX XXXX ] appear to be in violation of the following laws and regulations : 1. Fair Debt Collection Practices Act ( FDCPA ) : These creditors are engaging in unfair and deceptive practices by double-reporting the same debt. Section 807 of the FDCPA prohibits debt collectors from using false, deceptive, or misleading representations, including those that falsely represent the character, amount, or legal status of any debt. 
2. Fair Credit Reporting Act ( FCRA ) : The repeated reporting of the same illegitimate debt by [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] is a violation of the FCRAs accuracy and integrity requirements ( Section 611 ). It has caused significant harm to my credit score and overall financial well-being.

3. Consumer Financial Protection Bureau Regulations : [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] have violated Regulation V, which implements the FCRA. This includes their failure to conduct a reasonable investigation into the accuracy of the information they reported and their disregard for my rights as a consumer.

4. Deceptive and Unfair Trade Practices Acts ( State Laws ) : Their actions may also be in violation of state consumer protection laws, including those related to deceptive or unfair trade practices. 

I believe that [ XXXX XXXX XXXX ] and [ XXXX XXXX XXXX ] have infringed upon my consumer rights by unlawfully posting inaccurate and duplicate information on my credit reports. This has had a detrimental impact on my ability to secure loans, housing, and other financial opportunities. I request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate action to hold these creditors accountable for their actions. 

I appreciate your attention to this matter and hope for a prompt resolution. 

Thank you for your assistance in addressing this issue and ensuring that my rights as a consumer are upheld.
Product: Money transfer, virtual currency, or money service

I send 2000 dollars to my family in XXXX on XXXX XXXX but they did not get these money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report
by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old closed XXXX credit card that I am having trouble getting removed from my credit report. I sent the company a letter asking for removal and also filed a dispute with Experian dated XX/XX/XXXX about this issue. Instead of the dispute resolving it they updated my account as " no data '' for the past XXXX XXXX XXXX XXXXXXXX years and restarted the charge off clock on this debt. I have accepted the debt and paid it back in XXXX as shown in the screenshots of payment months for this account. I don't understand why it's being restarted and why its still on my account to begin with as the account is paid and over 11 years old.