23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Scammed me out of $ XXXX after almost 2 years of building my loan account and opening a self credit card. They Randomly closed my account when they notice I was close to paying off my loan account and my self credit had $ XXXX credit on it, fully paid off with good payment history. Self is a prepaid credit build program advertised to help people build their credit by opening an account and putting down a deposit. Every credit is from consumers and it is NOT credited by Self Inc. They yet to give a legit reason why theyve close my accounts besides my accounts are under review or return all my funds I deposited in my loan account and secured credit card account. Its going on 4 months.

And I plan on sharing this info everywhere and chance I get to leave a review about this company so people can be watchful of their schemes. Seem when you fully complete paying their stallment loan savings account and secured credit card they recommended thats when they hit you with a random/surprise review of your accounts and close it down causing customers to immediately losing access to all their funds we work extremely hard for and saved. Ive heard the same from bunch of people who had this seem experience Im dealing with right now after doing some research.

Below I'll attached screenshots of both my Self Secure Credit Card and And Installment Loan account balance at the time of Self closed my accounts, and conversation with Self ... they do not have a direct contact to their financial department so consumers have to email. Keep in mind each loan term is 12 months, and I select the {$150.00} payment for 12 months. I completely the first loan term for the first year and converted it to the secured credit card which give a a credit limit of {$1600.00}. Halfway through the second loan term I was qualified to increase my secured credit card limit with the already saved amount on my second stallment loan which was still in complete, they allow that to those with good payment and adequate amount saved. I Increased my secure card balance to {$2400.00} from my installment credit builder loan account. In XXXX, 3 months to completion of my credit builder loan account ... that's when they randomly closed both my accounts secured credit card and loan account with $ XXXX already saved in the credit builder account apart from my {$2400.00} paid Self secured credit card. My credit score also dropped tremendously due to them closing both accounts.
Product: Mortgage

The area was hit by a hurricane and declared a natural disaster area XXXX. A disaster loan modification was requested and servicer refused to process requests. After being denied that request to have modification under VA waterfall was requested and that was denied. I asked servicer why I wasn't being considered for the applicable modification and did not receive a response. The servicer stated they need a complete modification application which was not required under the VA waterfall and even after submitting all required documents the package continues to be denied without a clear reason and conflicting information. Once staff said over XXXX documents have already been submitted which were specifically submitted and gone over with mitigation staff but remains incomplete per underwriting. A letter was received that the package was complete and the same day the status was removed. This servicer has various lawsuits for this practice and continues to business as such.
Product: Mortgage

On XX/XX/XXXX a complete modification package was sent to SPS. ( see attached ) A confirming email was received ( see attached ) The homeowner had a sale date set for XX/XX/XXXX.Our office called SPS and spoke to XXXX XXXX on XX/XX/XXXX and she stated the docs were received and they will be sent to processing. ( pull the call as they are recorded ) On XXXX we called SPS and spoke to XXXX XXXX who stated the docs are being reviewed. ( pull the call as they are recorded ) The sale date of XXXX was postponed until XX/XX/XXXX.Our office continued to call weekly for updates on the review. Every week we were told the file is being reviewed. On XX/XX/XXXX we called SPS and spoke with XXXX XXXX who stated the file was denied, but no denial letter was sent.On XX/XX/XXXX we called SPS and spoke to " member of management : XXXX XXXX ID XXXX. We told her no denial letter was ever sent yet we have correspondence from them that the docs were indeed sent in for review. That we have all call logs and records ( see attached ) from every employee we spoke to weekly with regards to the review. She reviewed the file and stated she sees where we spoke to the employees but that NO REVIEW WAS EVER OPENED as there was a sale date on XX/XX/XXXX. She contradicted what EVERY SINGLE EMPLOYEE STATED. She continued to repeat " there was a sale date on XX/XX/XXXX we could n't review the file. '' Once the sale date was postponed what was the excuse? She than stated it had to be in review 37 days before the sale date. THE SALE DATE WAS POSTPONED, WE HAVE CORRESPONDANCE FROM SPS VIA EMAIL AND WE HAVE DOCUMENTED CONVERSATIONS REGARDING THEIR EMPLOYESS TELLING US THE FILE WAS IN REVIEW. We informed her of all that information and she continued to make excuses. She then stated that XXXX did not move the " file forward. '' SPS records the calls!!! They need to review all calls dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX when we spoke with XXXX XXXX, XX/XX/XXXX when we spoke to XXXX XXXX, XX/XX/XXXX when we spoke to XXXX XXXX and then XXXX XXXX.For this to happen to a file is unacceptable. This file slipped through the cracks. At this time we are demanding the sale date be postponed or we will move forward with legalaction naming SPS as a defendant in a civil suit.Mr. XXXX has had issues after issues with SPS and it is apparent that they have neglected this file. Furthermore they have discriminated against XXXX XXXX based on his race, ethnicity, national origin, language, sex, and marital status. It is very obvious that SPS would rather foreclosure on the home than assist the homeowner. Lastly, there is an open dispute with their institution from XX/XX/XXXX that has NOT BEEN resolved, yet they are still trying to sell the home. That further proves their intention regarding the home as well as discrimination against the homeowner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I a writing to delete the following information in my file. The item ( s ) I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge, I ask the the Item ( s ) are deleted in order to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the item ( s ) as soon as possible.
Product: Debt collection

XXXX contacted my employer multiple times via text and phone call. The man I smoke to ( his last name was XXXX, I believe ) threatened to show up to my place of employment. He refused to give me any concrete information about who he was, what company he worked for, or what the reason for contacting my employer was until I demanded documentation be sent to my PERSONAL addresses for a 5th time, stating that I would stay on the phone while I reviewed the information via email. At this point he finally agreed to send me an email, but it was not coming through. He asked me to verify my email to which I requested he read me what he had on file instead. He had my email correct, but another department had it spelled incorrectly. This, their own negligence, is why I was unaware of the debt, leading to the harassment of my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDisputed account but didnt remove for XXXXXXXX XXXXDisputed account but didnt remove for XXXX CreditAcpt-disputed but didntb remove for XXXXXXXX XXXX-Disputed but didnt remove for XXXX
Product: Money transfer, virtual currency, or money service

TD Bank is not allowing my XXXX account to be linked to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sold my house XX/XX/2018 and paid off all my bills. Idaho XXXX notified the credit bureaus I paid my mortgage off but credit bureaus say they did not. I had my credit report run & they show as of XXXX I made no more payments which means Idaho XXXX did report to them. I have spent hours on the phone with all of them. They go through my report and finally say they can not help me because they dont know if Im me or not even though they pulled up my credit report with the information I gave them. I even talked to a supervisor who asked me a bunch of questions I could not answer off the top of my head. Like what I owed to bank, credit cards etc. 
I want to buy a trailer but because of their unprofessional behavior my score is bad when it should be excellent These credit bureaus need to do their jobs and quit lying when they are wrong and ignore the problem.
Product: Student loan

Called Mohela on XX/XX/XXXX to get a Student Misconduct Form for private loan discharge on XXXX XXXX XXXX XXXX XXXX due to getting federally approved with the Borrowers Defense Case # XXXX. In the attached email it was stated that " Your loan ( XXXX ) will be discharged based on an XXXX finding that The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at The Art Institutes from XXXX XXXX, XXXX through XXXX XXXX, XXXX '' XXXX moved my loan over from their services to Mohela but denied my submitted student misconduct form weeks before they were found to be mass denying borrowers on these applications without adequate reason : https : XXXX XXXX. I never received an updated Student Misconduct form even though I spoke with the rep on XX/XX/XXXX and they said they would send me this form in their portal at this number : XXXX. 
XXXX. XXXX denied this appeal even though I continue to get emails from the federal government about the XXXX XXXX in general being found of defrauding borrowers like me in the timeframe these loans were taken out
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX sent me a statement from their agency without allowing me the opportunity to dispute the name and address of the original creditor. After receiving this particular letter, on XX/XX/2023, I received a notice on XX/XX/2023, for the same debt from Capital Management Services , LP from the original creditor who that informed was XXXX XXXX XXXXXXXX. 

According to 15USC 1681 a ( dX2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet these companies are reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. These negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, and XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be considered officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Checking or savings account

On XX/XX/24 We had a major Fraud on our account, Wells fargo allowed someone in XXXX to walk into bank and add person to our account. 

The online transferred XXXX out of our checking account. 
We have filed claims and they say they are investgating the transactions. We still dont have our funds. We keep get fraud calls to follow up with claim but are just more fraud. 
Wells fargo has internal issue with allowing a person to come in and add to our account. 

Wells Fargo Bank is leaking out you information and not taking it seriously it Big problem
Product: Debt or credit management

Further explained/supported by attached documents : We were initially told on enrollment that positive payments would be reported to the credit bureaus and that our delinquent accounts would eventually be marked off as paid. Prior to entering debt settlement we had a 99-100 percent payment history across shared accounts. If there was no credit rebuilding portion we would not have entered the agreement. Over a year into the program we checked our credit scores to gauge progress toward future goals ( ie mortgage ) and found there was no report of any of over a year of payments to XXXX anywhere. When contacted over the phone they gave differing explanations including that it was due to changes in federal regulations that required changes to the program, of which we had not at any point been made aware. They also claimed that the original agreement did not include any of the credit rebuilding aspects, and/or that these were part of a different kind of program which we had not been signed to. Again, no differentiation was made in our agent 's explanation of the agreements and program, as evidenced by attached email ; we were told of our next steps and expectations, as if they were concrete versus a possible option. We chose to complete the program ahead of schedule to give us better chances at improving our credit on the understanding that it needed to be completed to affect any positive outcomes. When the program was complete and debts were settled this also did not change that they were listed as previous delinquencies ( showing as paid versus delinquent ) as stated in the email attached. We were told over multiple communications that this was due to regulation changes but then told again that this is not how the program works, that XXXX itself can not report anything to or directly effect the reporting of credit bureaus, etc. Because of the reality of the program versus the promise of the credit rebuilding efforts we have lost opportunities to better our financial situation or buy even a mobile home let alone a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX dealership in XXXX XXXX, ND and after being told that I did not qualify for any sort of car or loan I realized that they had placed several hard inquiries with different potential lenders in the short time that I had been there. Although it seems as if they have removed any evidence of the hard inquiries on the dealership 's behalf, it is my belief that my information was already shared or sold to other entities who have used my data in the most improper ways to either create unnecessary credit reporting. Also, it looks as though several companies have taken it upon themselves to change information that has to do with my checking accounts that are including XXXX activity and sharing credit reporting information with potential employers without my consent. These companies would include XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and ALLY Financial. Since learning of these breaches of information and misuse of my data and identity I have noticed an unusual fluctuation in my credit score, I have been denied employment, and my checking account has had several unauthorized debits and withdrawals that I have had to dispute. I really hope that there is some resolution to the difficult situation that this has caused me and my family because I really need to know how to keep this from happening in the future.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the incorrect reporting of addresses associated with my credit profile by all three major credit bureaus : XXXX, Experian, and XXXX. Despite repeated attempts to rectify this issue directly with the credit bureaus, the incorrect addresses persist on my credit reports. 

The addresses in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX I would like to emphasize that I have no affiliation with any of these addresses, and their inclusion on my credit reports is inaccurate and misleading. This misinformation has the potential to negatively impact my creditworthiness and financial standing. 

I kindly request that the Consumer Financial Protection Bureau intervenes in this matter and ensures that the credit bureaus promptly correct and update my address information to reflect my true residential address : XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX I urge for swift action to rectify this issue, as it is imperative for the accuracy and integrity of my credit reports. Your assistance in resolving this matter is greatly appreciated. 

Thank you for your attention to this urgent matter.
Product: Consumer Loan

To whom it may concern, This is my second complaint regarding BMW financial Services. On XXXX/XXXX/XXXX XXXX declared my XXXX BMW 320i Acct # XXXX a total loss and issued payment to BMW financial for {$36000.00}. See Exh # XXXX. 
See EXH # XXXX This was a financed vehicle, on XXXX/XXXX/XXXX Bmw Financial sent a past due notice for {$8700.00} for the remaining balance on the vehicle rather than checking my contract of sales to notice that there was no Gap waiver form signed or offered to me at the time of purchase. They continued to proceed with /after previous calls to BMW and being advised I was no longer responsible, on XXXX/XXXX/XXXX u received a letter that their records do not indicate any discussions about responsibility. XXXX XXXX was no available for questions. Tel # XXXX which is not his direct line and he does n't even take any calls. Not sure why we would state on a letter to please contact him if he does n't take calls. See Exb # XXXX As you can see EXH # XXXX - a letter my account was paid in full, no explanations in any event. I was right and they were wrong. Since last year they have been stating I owed them the balance due on the vehicle, a and once I made the manager Aware that there was no gap waiver form offered or signed by me see EXH XXXX, I should n't be responsible for the balance left over. Bmw Finanical sends me a paid in full letter that does n't state they were wrong, and they should have never been trying to collect from me nor send my personal information to a collection company. The letter appears as if I paid them in full. 
For my aggravation regarding this matter & many sleepless nights I am requesting that this account be deleted from my credit report. I am also requesting to be notified which collection company by information was sent to, and that it is deleted form their database. 
I was harassed & abused by this whole process. On the surface it looks like illegal & unethical behavior on the part of BMW Financial. Do n't know how many other customers just paid instead of doing research to see if they were offered a Gap waiver form. 
Bmw told me they report to XXXX m if that 's the case and true they should be informed of this. 

Thank you
Product: Debt collection

On XX/XX/year>, I received an alert that showed there was a collection account added to my credit report. PORTFOLIO RECOVERY ASSOC added collection to my credit reports without my knowledge! I checked & can't verify their registration in Louisiana! BOTH are FDCPA violations! PORTFOLIO RECOVERY ASSOC l put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! I request that PORTFOLIO RECOVERY ASSOC verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If PORTFOLIO RECOVERY ASSOC is unable to provide the above identifying account information, this account must be deleted from all CRAs. PORTFOLIO RECOVERY ASSOC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account I had with Conn was opened XX/XX/XXXX and was charged off as bad debt and profit loss write -off XX/XX/XXXX ( XX/XX/XXXX ) - I received notice of a pending lawsuit. I check my credit file to see who is the alleged creditor and I disputed it on all of my credit reports, because of the inaccurate information. From XX/XX/XXXX Conn Appliances, INC and Conn Credit Corp have file 2 separate remarks onto my credit report.

Im seeing discrepancies, in account status. On my XXXX credit file the accounts states open. On my XXXX credit file the accounts states closed. 
I also noticed that this creditor used 2 different names, address, and number. 

On my XXXX  credit file, a late payment was posted XX/XX/XXXX by ( Conn Appliances , Inc . ) On my XXXX credit file a remark code was reported XX/XX/XXXX by ( Conn Credit Corp ) Under the Fair Credit Report Act I dont know how this incorrect information can be recycled and added onto credit file 1. No scheduled due dates for payments or amount noted or communicated in written form or verbal form.

2. The variation from each credit report agency is inaccurate Account opened on 1 and closed on the others. Late payment reported on 1 and not the others, Etc
Product: Checking or savings account

I was informed on XX/XX/XXXX, by email that my Bank account password was changed. I then called Bank Of America and I was informed that someone tried to use my information to deposit fake checks into my account. I was told I can report it to fraud department but nothing can be done. I went through the fraud department then I went online to open a new checking account due to this situation not being my fault as well as being scammed. I was also told the location of where they tried to deposit which is nowhere near me due to school and the transaction history shows me using my debit card in my city XXXX XXXXXXXX XXXX on XXXX XXXX.