23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

SPS sabotaged our refinancing efforts based on a contract that is inforce yet they cotinue the discrimination, abuse and intimidation tactice like XXXX XXXX. SPS need to be prosecuted to the full extent of the law. These laws have brrn finally defined in the uoload FHA new determination for Covid 19 economic impact on our household. Below are the controling documents putting this contract as originated during the Covid 19 pandemic fully suported. There is no need for a 2 month impound account and the impound accopunt total is dumped onto our mortgagae total with out notice or authority. I have forward these terms to SPS and they are silent.Prosecute SPS like XXXX XXXX  for sabotouge of our refinancing efforts. Delay in justice is denial of justice the two faced approach of their reports to the CPFB and nyself are two diffrent things.SPS are lyers and cheats. XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2022 XXXX, XXXX
Product: Debt collection

The loan was for the XXXX XXXX for {$9600.00} on XX/XX/year>. I knew it was a spam and have not done anything about it. The website is : affirm.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of an account listed on my credit report, specifically with regard to an account with XXXX XXXX XXXX account number XXXX reporting to experian report number XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1692 g, I am requesting that you either validate the account or remove it from my credit report. I do not recognize this account, and I have not received any communication from XXXX XXXX regarding this account. 

According to 15 U.S.C 1692 g, if a consumer disputes the validity of a debt, the debt collector must cease all collection activities until it provides the consumer with written validation of the debt. In this case, I dispute the validity of the account and request that you provide me with written validation of the debt, including the original creditor, account number, dates of activity, and any other relevant information. 

If you can not provide me with written validation of the debt, I request that you remove this account from my credit report immediately. I am exercising my rights under the FCRA to ensure that my credit report is accurate and reflects only valid debts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I have been trying to apply for a modification to my current mortgage loan with, Wells Fargo Bank. I called in on XXXX XXXX to try to start this process, I spoke to a Wells Fargo representative nut I did not get her name, she asked me questions as to why I was calling and I explained that I wanted to try to modify my current loan, so I could get a lower interest rate and lower monthly payment. The representative said that she would send me an email with instructions how to proceed with this loan modification, but I never received any email, so I called back and spoke to a different person and he sent me an email with a copy of an application form and a fax number to use, I filled out that form and faxed it to the fax number he gave me, alone with a copy of my social security declaration letter showing my monthly income from them and I included a letter from XXXX XXXX XXXX showing the amount of retire pension I received from them. I called to see if those documents were received and had to speak to a different person and explain my situation all over again to them and they said that I would have to wait to get instructions from the representative who will be handling my case ( XXXX XXXX ) so I waited but never head from Ms XXXX, so I called back and had to speak to a different person and explain my situation all over again and I asked that Ms XXXX please call me because I was having trouble logging into emails from Wells Fargo to view what documents they had received and what other documents I needed to send, but as of today 's date I have not received any calls from Ms XXXX, so I don't know if the review process for a loan modification has been started or if Wells Fargo needs more documents from me. I will include an email I sent to Ms XXXX today. 

Ms. XXXX, I received an email from you that said you needed more documents from me, I am not able to access or open this email to see what documents you need! 
I have stated this to previous representatives of Wells Fargo and have been trying to reach you by phone for over three weeks to find out what documents you need and if you have received the documents that I have already faxed to Wells Fargo, but it is impossible to reach you directly because Wells Fargo phone system will not allow me to enter your extension! 
I have spoken to numerous representatives over the last four weeks and each one tells me something different and I have asked that they relay a message to you to call me because I need to know exactly which documents you have received and what others you need, so once again I ask that you contact me by phone to help me. 

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

I am filing a complaint against XXXX, Experian and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Payday loan, title loan, or personal loan

I wish to submit a complaint about eMoneyUSA, an online lending company. My specific complaints are as follows : 1- In XX/XX/XXXX, an unknown individual was able to take out a loan from eMoneyUSA using my name and SSN. When I obtained a copy of the application from eMoneyUSA, it did not appear that they had performed adequate due diligence to verify that individual was, in fact, me. The name he used was close to mine but spelled incorrectly. Some of the other details were correct ( like home address ). I did not see any signature on the application. 
2- When I found out about the loan, I filed a police report. I submitted a copy of that police report, as instructed, to eMoneyUSA, the collection agency they had engaged, and the credit reporting agencies. In spite of that, eMoneyUSA reactivated the collections process in XX/XX/XXXX, triggering another adverse entry on my credit reports and a drop in my credit score of XXXX points! I spent many hours correcting the issue AGAIN. I have not been given a satisfactory explanation as to why the collection process was reactivated. ( At first, eMoney said it was because I did not send them the police report back in XXXX, but I showed them the email trail and they conceded that I did! ) Given the circumstances, I am not at all confident that eMoneyUSA can/will ensure this doesnt happen again!
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$620.00} XXXX  XXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX Balance : {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX 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 XXXXXXXX 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 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 card

For the first time in roughly 2 years, I had used an old credit card from First Niagara for a charge of {$27.00} on XXXX/XXXX/15. The balance immediately began accruing interest and on XXXX/XXXX/15, I made a payment of the current balance of {$27.00}. The following day, the payment had n't gone thru and the balance accrued another {$0.00} in interest. I spoke to XXXX at First Niagara who advised that the payment takes 48 hours to show but when the payment goes thru it will back date any accrued interest thus wiping them off the balance. Once the payment of {$27.00} finally went thru on XXXX/XXXX/15 the additional interest ( which grew to {$0.00} ) was not wiped off as I was initially promised. I spoke to XXXX again who advised that what he had told me initially was not true and that loan would still accrue interest and payments that take 48 hours to process do not get back dated to the date of the original payment and he refused to remove the additional interest even though he admitted his mistake. He assured me though that the balance would not accrue any further interest so I went ahead and paid the {$0.00} balance. Again, when the payment was processed 48 hours later, there balance had indeed accrued another {$0.00} in interest on XXXX/XXXX/15. That same day I spoke to XXXX at First Niagara who attempted to credit my account the {$0.00} retroactive to the original balance date of XXXX/XXXX/15 which she had done. She also advised that XXXX once again provided me with misleading information in that the balance was still accruing interest. She said that she would freeze the account so that it would no longer accrue interest since it was " clear I was attempting to pay off the card. '' I also paid an additional {$0.00} towards the balance that day in an attempt to pay off the balance once and for all. XXXX my payment and XXXX 's {$0.00} credit went thru and my balance was down to {$0.00} on XXXX/XXXX/15. However, on XXXX/XXXX/15, despite the card having a balance of {$0.00}, it somehow accrued an additional {$0.00} of interest. I called again and this time spoke to Georgia, who tied to tell me that the interest was accruing because I used the card. I explained to her that the balance was {$0.00} and asked how a {$0.00} balance could accrue interest as there was no principal balance. She did not have an explanation for this and stated that she would also credit my account the {$0.00} of interest. I asked Georgia to cancel this card because of the aggravation it was causing and seemingly impossible nature to pay it off. It was also disheartening to receive so much misleading information from the representatives that I had spoken with.
Product: Debt collection

A guarantee on a lease I signed, whose name is XXXX XXXX, used my personal information to sign up for a XXXX XXXX Credit Card. He ran up the charges to {$1100.00} and now Cavalry Portfolio owns the debt. They have recently reported the debt to the major credit bureaus and now my credit score has taken a bad hit.
Product: Credit reporting or other personal consumer reports

on XXXX on XXXX  up to XX/XX/year> i notice money was being taken out of my account causing three accounts to go delinquent due to funds taken without my knowledge. it was out of my control i enclosed a copy of identity theft report and sword affidavit that i am taking the proper measures to protect myself THERE IS ONE ADDRESS LISTED WHICH I NEVER LIVED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PLEASE DELETE OFF MY RECORD
Product: Debt collection

I had been a XXXX XXXX customer for over 10 years with a scheduled automatic payment plan set. Therefore never missing a payment. Once XXXX XXXX XXXX purchased XXXX XXXX they begin taking the automatic payments and applying it all to their account. I will upload the log that shows I tried numerous times to resolve the issue with both XXXX XXXX XXXX and XXXX XXXX. Both acknowledged that I was correct but stated it was the others company responsibility to take corrective action. After going back and forth with them I decided to close the account. I do not owe this amount. My Internet service was only {$39.00} a month. Besides it is impossible for that bill to be {$670.00} when that portion was only {$39.00} monthly. And the bill was current when I closed the account. I am caught in the middle of two giants. Both sides kept stating that they will look into this matter and concluding that I was right yet it always resulted back to them pointing the finger at the other for having the responsibility to correct how the funds were allocated. And each month I was flagged as being past due. I tried to get this removed from my credit report but was unsuccessful. Credence Resource Manage refuses to delete it. I am contacting CFPB for help to get this removed from my credit report. I am a responsible Veteran who is also a responsible consumer. I upload sheets of paper that I maintained customer service reps names, dates, and outcomes. It shows how I was repeatedly hang up on and lied to saying they will fix it but never did.
Product: Credit card or prepaid card

On XX/XX/2021 I purchased 3 E-Gift cards on XXXX XXXX website through their third party XXXX I purchased cards in the amount of {$500.00}, {$250.00}, and {$25.00} immediately after purchasing these cards, i received an email stating that the cards could not be processed and that the transactions would be cancelled. None of the 3 transactions were cancelled and a total of {$750.00} was charged from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my dispute letter XX/XX/XXXX and experian still hasnt responded nor corrected items on credit report
Product: Credit card or prepaid card

Received card as a XXXX present, it was loaded with {$500.00} XXXX, and given to us on XXXX. When trying to activate the card the site, XXXX, said there was an issue with the card and to call customer service, XXXX after several attempt and hold time of 30 minutes plus we got to talk to an agent each time only to put us on hold to " investigate '' and then would drop the call shortly after. Attempted to escalate to supervisor and was disconnected after the agent stated they did " do that ''. 
The agent confirmed that the funds were loaded, there was no transactions, and the balance was XXXX. No help to resolve this issue from the company and horrid customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone keeps opening accounts under my name which are open fraudulently they are not mine they already wasted XXXX dollars on the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,15 U.S. Code 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev next ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonab e cause to believe that the information is inaccurate. 
( B ) Reporting information after
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been making additional auto-debit payments for my student loans starting XXXX XXXX. I had been under the impression that they would be applied to my principal, but found out in XXXX that they were being used as paid ahead payments. 

XX/XX/XXXX I sent a standing payment instruction for the additional amount. The response said it should take XXXX business days for the account to update. 

On XX/XX/XXXX I messaged saying I had not seen the changes reflected in my account. The online response XXXX said that I should call. So I called on XXXX and was told that the way I worded my request was incorrect. I verified that if I submitted the request that the previous payments would retroactively be applied to my principal. I submitted the correct request on XXXX, " This is a standing payment instruction : I request that the paid ahead status be removed from my account for my payments, including previous and future payments. The additional amount of {$240.00}. Disbursement date XX/XX/XXXX. Loan type : DL Consolidation Unsubsidized. I thought my additional payments were already paying down my current bill. I have submitted a previous request and called. The representative told me to phrase it this way '' I received the following message : Please allow XXXX business days for processing. Be advised all payments received takes XXXX business day to post to your account and an additional XXXX business days for reapplication of the payment requested. 

On XXXX I messaged asking about the status and received a response XXXX saying it was still in progress. This is much longer than the maximum 6 days cited in the message reply. 

On XX/XX/XXXX, still not having seen updates to my account, I called again. This time, the representative said they received my request and it would take XXXX  days to process it. When I asked about it being retroactively applied to the payments up until this point, they said no- they do not do that and I should stop paying extra in the meantime
Product: Credit reporting or other personal consumer reports

The credit report of XX/XX/year> - report # XXXX shows that these items were DELETED from my credit report. These items have been REINSERTED on my credit report. 

XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXX In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting these accounts from my credit report.
Product: Money transfer, virtual currency, or money service

I never received my settlement check from Lexington Law for not delivering on there credit repair service.
Product: Credit reporting or other personal consumer reports

This letter is of extreme importance. This morning I received an update to my consumer report of a collection that has been added to my name. I have a fraud alert on my account because I have been previously a victim of fraud accounts. XXXX XXXX XXXX I has open. fraudulent account under my name im not liable for nor recognize. Please delete immediately as its not mine. This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously notified Transunion that I am a victim of Identity theft, and in return Transunion accused me of being a third party, what ever that means. I am NOT a third party. My name is XXXX XXXX XXXX and I am a victim of identity theft, and I give Transunion and the CFPB authorization to look into my compalint.