23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was charged NSF fees of {$72.00} on a negative bal of {$5.00}. when I spoke to 2 associates on XXXX I was told they Couldnt do anything even though I never was notified of the bal via phone email or standard mail. 
Apparently they dont think it's predatory to charge {$72.00} on XXXX cents. - {$5.00} in my calculation I had a positive bal because of a refund {$8.00}. From a murchant from the past. I was never offered to have the over draft protection canceled. or that I would have anyone look into it further for peace of mind.
Product: Credit card or prepaid card

My credit card currently charges 28 % interest rate and refuses to lower it. They say this is the lowest apr available but no other card I have is like this. XXXX XXXX card is unethical and charges as much interest as a loan shark. When I try to get this lowered they send me the same form letter no matter what I ask or say.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX and a collections account opened at XXXXXXXX XXXX  on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Select Portfolio Servicing, LLC scheduled a foreclosure date of XX/XX/XXXX, which was entered into their system on XX/XX/XXXX. 
On XX/XX/XXXX, Select Portfolio Servicing, LLC accepted a complete Request for Mortgage Assistance application and began reviewing loss mitigation options. 

Select Portfolio Servicing, LLC never removed the XX/XX/XXXX, sale date, which is required by law once the servicer accepts a complete mortgage assistance application. 

Instead, Select Portfolio Servicing, LLC kept the foreclosure sale date on record for XX/XX/XXXX, while they allegedly were attempting to help me obtain a loss mitigation solution. 
Select Portfolio Servicing, LLC, denied my request for a loan modification on XX/XX/XXXX, only 9 days after opening the review. 
In the denial decision from Select Portfolio Servicing, LLC, the only option was a Deed in Lieu or liquidation of the home. The denial also stated I had a 30-day appeal period during which no foreclosure would take place. If a foreclosure was already scheduled, contact would be made to Select Portfolio Servicing, LLCs counsel to postpone or cancel the sale date. 
Select Portfolio Servicing, LLC once again did not cancel/postpone the XX/XX/XXXX, sale date, violating the Dodd-Frank Act once again. 
I decided to liquidate property and obtained a ratified contract on XX/XX/XXXX. 
I informed SPS immediately of the ratified sale and requested the XX/XX/XXXX, sale date to be postponed so that purchase could take place on XX/XX/XXXX. 
SPS has continued to deny the request to postpone the scheduled sale date of XX/XX/XXXX. This prevents me from making full payment to SPS and obtaining over {$50000.00} in profit, which would be crucial for me to start over again. 

I believe SPS practices are consistent with DUAL Tracking, The Dodd-Frank Act, specifically Title X ( the Consumer Financial Protection Act of XXXX ), prohibits a practice known as dual tracking. Dual tracking occurs when a mortgage servicer proceeds with both foreclosure and loss mitigation options while a borrowers application for loan modification is still under review1. This protection ensures that struggling homeowners have a fair process to avoid foreclosure and are not surprised by foreclosure proceedings while exploring available options. 

This practice violates federal law ( 12 C.F.R. j 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual-tracking In addition, I believe SPS masterfully crafted a situation to equity strip a senior citizen out of several tens of thousands of dollars, which I think is criminal, predatory, discriminatory, and cruel.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX account shows open and past due when it being reported under fraudulent circumstances, closed my account with company in XXXX. The account didnt show on my credit report for over 4 years then showed up my credit report in XX/XX/XXXX with missed payments back dated with a large amount due which are both fictitious. Been trying to get it removed for months from my credit reports. XXXX has not responded to myself or the attorney after several attempts via phone, email and mailed letters. Also submitted disputes with transunion and XXXX. They are allowing a fraudulent account with fictitious information on my credit report. They need to remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done everything in my power to have these accounts removed. These derogatory accounts have been paid and settle properly upon the settling terms. The accounts initially went negative due to the effects of Hurricane Harvey. I still did my part and paid as promised. The companies are refusing to remove the account from my report. The accounts are old and need to be removed so I can move on with my life and continue to prosper and finish my revery process. 

XXXX, XXXX has stated that they do not remove accounts from the credit report at all which I know is not true. The account was opened on XX/XX/XXXX and closed and paid XX/XX/XXXX. 

TD bank/targetcred has not responded to none of my letters or inquiries. The account was opened XX/XX/XXXX and closed and paid as agreed upon XX/XX/XXXX. 

I have done my part I need these accounts removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards opened at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXXas proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight Adjustment Bureau - XXXX : This should of never went to collections. I never received a notice back when this were due. Also there shouldn't of been a balance because this was paid a long time ago. I was told that this was going to be removed from credit and it never was. I no longer owe this debt as it has already been satisfied. This needs to be removed from my credit file immediately as this is what should of happened in the first place.
Product: Credit reporting or other personal consumer reports

My inquiry to the County Recorders of Deeds and U.S. Bankruptcy Course confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor this distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation. I need all tax lien and bankruptcy information currently showing my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The Equifax Credit Bureau needs to provide me with copies of all documentation associated with these Public Records Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted closely monitoring my credit file. Per the Federal Law you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Product: Debt collection

In XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX I sent certified letters to XXXX and Experian notifying them that they were in violation of the FCRA and of requisite METRO 2 Complaint reporting standards. I have the right to a fair and accurate report, but XXXX and Experian are illegally reporting inaccurate false information about me. They have been reporting an alleged account with XXXX XXXX on my credit report as a charge off with a past due balance of {$7500.00}. Both credit bureaus are also reporting an alleged account listed with XXXX XXXX XXXX XXXX as a collection with a past due balance of {$3000.00}.
Product: Credit reporting

Equifax is updating my XXXX XXXX accounts with bogus information. The XXXX accounts are with a company under a rehab plan. Equifax has update this item numerous time with bogus information in an effort to keep my score low. I contacted the XXXX who advised that they do no update while the loan is in rehab however Equifax has updated numerous times with incorrect information. I have also found that Equifax is reporting XXXX set of payments on their equifax.com credit monitoring service and a different set of information on another monitoring service that I have with wellsfargo credit monitoring. It seems as if Equifax is keeping several sets of records. I have had numerous problems with Equifax over their practices and currently pondering a XXXX dollar suit against them. I most recently noticed that they listed XXXX accounts XXXX days for the last XXXX months. The account has been in rehab for the last XXXX months.
Product: Checking or savings account

They was alway trying to take more fees out of my account making my balance lower for new things to come in and have to pay fee on new things
Product: Credit card or prepaid card

I ordered a secured credit card through Capital one. I never recieved it so I called and told them I never recieved my card. They asked for my information, including address which they said was correct. They cancelled that card and sent a new one. Again, it never came. After my third attempt ( a month later ) and them verifying my address, I found out they've been sending it to the wrong address. I cancelled my business with them and asked for a refund. They said I'll be receiving X amount of dollars in 7-10 days. I waited 12 days and it never came. They cancelled the check and issued a new one. I waited 15 days for the second check before I called. I called twice yesterday and they hung up on me twice. I feel like I've been dealing with a fake company and now I'm worried about all my information falling into the wrong hands and my credit.
Product: Checking or savings account

On Friday XX/XX/XXXX Capital One acknowledge they could not release funds from my checking Account ending in XXXX. They alledged that check number ending with XXXX from my wife XXXX XXXX had appeared to be stolen. 

My wife nomally writes me check for the car payment I then place that check in one of my accounts. XXXX XXXX XXXX XXXX XXXX  ) had an attorney at XXXX XXXX XXXXXXXX XXXX  locked my account joint account my wife up with garnishment in violation of U S Garnishment. 

However, Capital One has not unlocked my account XXXX after XXXX XXXX XXXXXXXX cleared the alarm to the Banking system. As of today XX/XX/XXXX that alledge fraudulent check has been resloved by my wife and her bank XXXX XXXX  ). 

My complaint is Capital One has claimed that is a XXXX bank but after calling them they are closed on this Sunday and my funds are locked.
Product: Debt collection

PRA PULLED 8 SPY INQUIRES FROM MY XXXX. SEE ATTACHED. REMOVE ALL INQUIRIES OR BE SUED IN CLASS ACTON LITIGATION.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Transunion regarding their failure to address multiple dispute letters I have submitted concerning inaccuracies in my credit report. Despite my repeated attempts to resolve these issues directly with Transunion, they have consistently ignored my correspondence and failed to correct the errors in my credit report. Details of the Dispute : XXXX XXXX : Account number : XXXX, There shouldnt be any late payments after close date? Its not possible to be late on a closed account! Delete this account for inaccuracy. 

XXXX : Account number : XXXX, Account description doesnt relay correct data to help identify and establish ownership of the account. Please validate this unverifiable account. 

XXXX : Account number : XXXX, I need to see all paperwork and contracts with my signature that would verify ownership. If you do not have this paperwork, you need to remove the account immediately. 

XXXX : Account number : XXXX, Creditor stated they would remove this after payment and its still on my credit report. Update this account for inaccuracy. 

XXXXXXXX XXXX  : Account number : XXXX, I was never late on this account. Update this account for inaccuracy. 

XXXX : Account number : XXXX, Each bureau reports that I was late on a different date remove from inaccuracy. 
I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that XXXX complies with the Fair Credit Reporting Act ( FCRA ) requirements. I am seeking the correction of the inaccuracies in my credit report and a formal acknowledgment from XXXX regarding the resolution of my dispute.
Product: Credit reporting

I initiated a dispute of ( according to my attorney ) blatantly unlawful credit reporting to Equifax by XXXX on XX/XX/2017. Equifax assigned this dispute the number XXXX. 

As of today, XX/XX/2017, or over two months later, this dispute is still marked " pending '' in the online system Equifax uses to provide dispute results to consumers. I called about this dispute several times and was told variously that " it 's a website issue '', " be patient, this dispute is taking extra time '', " this dispute was resolved and you did receive the results '', etc. 

I have never received the results of this dispute. I have asked the customer service representatives to mail a copy of the dispute results but that has never arrived either. 

Equifax 's failures, to 1 ) delete the erroneous information in a timely fashion and 2 ) to provide notice of dispute results within the proper time frame, constitute violations of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate. 
these items to ensure accuracy. 
Here is the Item I am asking you to verify as accurate. 

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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian removed the incorrect information and placed it back on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), if an account is removed due to a dispute ano later reinserted, I must receive a written notice within five business days explaining why it was added back. I have not received any such notice, which is a violation of my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

Experian placed a fraud alert on my account without my permission. Experian refuses to remove the fraud alert. This is blocking my use of credit cards. Experian refuses to provide me with a credit report. When calling Experian, they continually hang up on me, even though i am polite.
Product: Mortgage

XXXX, XXXX, and the XXXX of XXXX numerous hrs and days I have spent calling Flagstar trying to get the information to pay off my forbearance. I had no idea by getting a forbearance there would be a lien placed on my home. I had my banker on the phone also and no one could find the loan, but there is a lien on my home until it's paid. Apparently, this has happened before with my banker who also banked with Flagstar. So, I know this can be handled correctly I would like to know what can Flagstar do to help me fix this problem. Today the 22nd I'm being told I can't pay the forbearance off to take the lien off until the whole principle of the loan is paid. As I type this, the time on my phone for holding is now at 21 minutes.
Product: Debt collection

I have requested debt. validation for multiple accounts on XX/XX/21 and XX/XX/21 from CMRE Financial Services , Inc ( XXXX XXXX XXXX XXXX # XXXX XXXX, CA. XXXX ) for accounts listed on my credit file. This company has failed to validate my dept. Instead of XXXX XXXX XXXX validating my dept., they sent my confidential medical records/procedures in response without a prior written release which I know to be a direct violation of my rights under HIPPA. I have never signed a HIPPA form authorizing them to have access to this information.
Product: Mortgage

Beginning of 2022 i attempted to get continued XXXX  assistance my application was denied. In early 2022 i did a modification. The modification was completed in XXXX of 2022. I paid the amount of modification i attempted to pay my debt in XXXX of 2022. I saw my payment increased by almost {$300.00}. I contacted the company they said my escrow amounts increased. After review of escrow analysis it increased total XXXX. The company stated the escrow balance would not be up to date based on what should be maintained in the account. I neber received a formal notification of any change to a modification that just occurred XX/XX/2022. 

I beleive two things are occurring : 1. After finalizing a modification which only reduced payment by {$25.00} 2. Mortgage servicer and lender are attempting to recoup XXXX  assistance monies without using that term. 
3. Mortgage servicer and lender are attempting to increase payment to force a foreclosure because of current housing market and lack of peoperties
Product: Credit reporting, credit repair services, or other personal consumer reports

First l disputed XXXX XXXX acct # XXXX with CFBP report # XXXX and Equifax responded l already disputed the account. I disputed this acct with Equifax XXXX, sent in dismissal letter from court and again XXXX confirmation # XXXX to check status for representative XXXX id # XXXX to say it was accurate and l need to send in more documents. Equifax has violated my right of submitting inaccurate information on report 15 USC 1681i ( A ) and l need for this account to be removed immediately or compensated for FCRA violation
Product: Checking or savings account

I have never created an account at XXXX XXXX, however since XX/XX/year>2024 they have been charging my checking account. 
I have tried to dispute this transaction through bank of america account, they state that I should call XXXX ( Can't get any reponse from this number ), also nothing from the customer service page ( since I dont even have an account ). 
Attached are all the charges. 
XXXX/XXXX/2024 : XXXX XX/XX/year>2024 : XXXX XX/XX/scrub>/2024 : XXXX XXXX/2024:XXXX XXXX/2024:XXXX XXXX/2024XXXX Total amount : XXXX US dollars