23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been attempting to liquidate this property since XX/XX/XXXX. Select Portfolio Servicing Inc. knows this, as I have made them aware of my intentions to sell the property. I obtained a contract on XX/XX/XXXX. The sale fell through because SPS continued moving forward with foreclosure action, and the buyer believed the deal was insecure. I wanted to let you know that I expressed the need for a hold on account of the foreclosure action ; however, it happened a little too late, and the buyer canceled the purchase contract. I had to locate a new buyer, which took me some time. I let SPS know that the intention was still to sell the property and actively try to complete the contract 's ratification. SPS, however, has been hell-bent on foreclosing on my property. They know I am a senior citizen with limited resources going through a very difficult time and separation. SPS is attempting to take advantage of this situation and steal my equity by foreclosing on my home. I have had a ratified contract since XX/XX/XXXX and have provided this to SPS. SPS stated they would cancel the scheduled foreclosure sale date of XX/XX/XXXX so that the ratified purchase contract can go to settlement on XX/XX/XXXX. This sale would pay off SPS and allow me funds to help support myself in my senior years. PLEASE HELP ME!!! Don't let SPS take advantage of me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy in 2019 but did not list creditors. I changed my mind about filing bankruptcy and 11 days after filing, it was dismissed by the bankruptcy court. I never pursued bankruptcy, never identified any creditors, and never dealt with the trustee. It was dismissed and should have been treated like it was never filed given that no action was taken on it whatsoever. The bankruptcy is being reported to the credit bureaus via XXXX XXXX, not the bankruptcy court itself, which means a third-party with no knowledge or verifiable information is providing it. Also, my full social security number has not been provided so the credit bureaus do not know if the information is accurate or not but are still putting it on my credit report. I never went through with any aspect of the bankruptcy process. Therefore, my credit report should not reflect that I have a bankruptcy on my record. The third party reporting, lack of identity verification are prohibited by the Fair Credit Reporting Act. My rights are being violated by Experian, XXXX, XXXX, and XXXX XXXX.
Product: Mortgage

I contacted my Credit Union to retrieve money I gave to Guaranteed Rate for appraisal and to continue the refinance process. Due to legal documents signed they could not retrieve the money. 
Online I contacted Guaranteed Rate to refinance my property. I was looking for an interest rate of 3.75 % or lower and would not accept anything higher. XXXX XXXX ( loan  officer ) assured me I was locked in at 3.75 % interest rate, therefore on XX/XX/XXXX I payed Guaranteed Rate {$500.00} for the appraisal and to continue the refinance process.Any documents, bank statements, proof of income, taxes, etc. I provided for them. In addition I gave them information on a property my sister and I own in Michigan. This Michigan property was paid off in XXXX, is in a living trust and the trust is responsible for taxes and insurance. 
XXXX XXXX ( underwriter for Guaranteed Rate ), inadvertently used the property I was trying to refinance as the property in Michigan, saying there was a lean on it, thus denying my loan. I called XXXX and we corrected her first error thus continuing the refinance process. XXXX then said I was responsible for the taxes and insurance on the Michigan property. However, if XXXX would have researched the title of the property in Michigan she would have found that the property is in a living trust and the trust is responsible for taxes and insurance.This second error lead to a interest rate increase to 3.99 % which is unacceptable for me. Do to these two major errors, which could be considered as Fraudulent, ( do to the interest rate increase ), I believe I should get my money back. In addition I never received a invoice of the appraisal. XXXX XXXX did returned {$25.00} of the {$500.00} sent. The {$470.00} should be paid back to me to show good business practices, integrity, honesty, good faith, and the right thing to do. I do not believe I should have to pay for their mistakes.
Product: Credit reporting or other personal consumer reports

LexisNexis is furnishing a bankruptcy to other consumer reporting agencies however, this information is unverifiable. XXXX has deleted this information from my report thus showing that it is inaccurate ( see attached exhibit ). So pursuant to section 623 ( a ) ( 1 ) ( A ) they now have a reasonable cause to believe that this information is inaccurate and they must delete it in order to comply with the Fair Credit Reporting Act. Additionally, since LexisNexis is also a consumer reporting agencies, they must also delete this item of information from their consumer report as it is inaccurate and unverifiable pursuant to section 611. I demand that this information gets removed promptly or I will seek legal action
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

1 ) On XX/XX/2020 my Skylight Financial debit card account was charged {$45.00} and {$5.00} at a XXXX in XXXX which I did note make. 
2 ) On XX/XX/2020 my Skylight Financial account was charged four consecutive {$5.00} for a total of {$20.00} and labeled ( Debit : Additional Statement Mailing fee ). 
3 ) I have tried to contact the but has refused to refund the money. Instead they have told me, I made the {$45.00} and {$5.00} transactions before I changed my pin number. I changed my pin number after I reported those two transactions ( {$45.00} and {$5.00} ) that I did not make and debit card was missing after checking the transaction on their website.This was the reply : - The PIN transactions being disputed are consistent with your previous account activity, such as the merchants shopped and their physical locations. Additionally, our records show that the PIN was not changed prior to the period of unauthorized usage. 
4 ) Because I shop at that place does not make the transactions legitment!

5 ) Additionally I was charged {$20.00} for them to send me an email which they described ( Debit : Additional mailing fee ).
Product: Debt collection

A person opened a XXXX account and ran up a bill of # XXXX. It was opened in XX/XX/2018 and closed in XX/XX/2018. 

The collection agency Diversified Consultants ( XXXX ) in Florida reported the account in collections to XXXX  which immediately lowered my credit score by 100 points. 

I filed dispute paper work with XXXX 3 weeks ago and they have done nothing to resolve the problem. 

The account number is XXXX XXXX. The address that opened the account is ( XXXX XXXX XXXX, XXXX, CA XXXX ).
Product: Student loan

I applied for the SAVE repayment programme before XXXX XXXX. During the month of XXXX, the loan was placed in " administrative forbearance '' at the servicer 's or Dept. of Ed 's instigation- not my own - ostensibly to allow for additional processing time needed. However, entering forbearance deactivated the auto-pay interest rate reduction, increasing the loan 's interest rate by 0.25 % throughout the month of XXXX. Now, according to the servicer 's Web site, I owe hundreds of additional dollars in interest accrued during the month of XXXX than I would have without the unrequested forbearance. I have tried to contact the servicer ( Aidvantage ) via telephone to reach an agent but after 20 minutes on hold, I reach a " full mailbox '' and the call disconnects. It has been this way for weeks now. The chat functionality of the servicer Web site has also been disabled.
Product: Credit reporting or other personal consumer reports

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  I am writing to request an investigation of the following information that appears on my Early Warning Systems Consumer report. I have NEVER opened or used the following account numbers. 

Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance Sincerely, XXXX XXXX XXXX XXXX.
Product: Consumer Loan

XXXX XXXX, XXXX. I received a special sales promotion paper to purchase a car at wholesale prices..I purchased a XXXX XXXX XXXX ... through XXXX XXXX XXXX XXXX , XXXX XXXX in XXXX , Michigan ... ... one of my friends went with me and we were at the used car lot for 5 hrs on that Friday evening. Several false answers were given to us by our used car salesman that said the XXXX dealer across the street had nothing to do with this sale, also that my friend would not be a co-signer ... .my last question to him about the car purchase was, I am XXXX yrs older than my friend and if something happens to me they wo n't come after my friend for the money for the car, because he ca n't afford that ... I was told, " do n't worry, you have equity in your car.. My friend started getting all the mail regarding my car deal..approximately XXXX denial letters came with his name on them from various credit unions ... also the proof of auto insurance only had his name on it ... that is when a red flag went up in my mind that something was very wrong with the deal. I can not be put on my friends car insurance as a driver as I do not live in his household ... on the title we are both the car owners with him being # 1 the owner and me # 2 the co-signer ... he can not afford the car and I can not afford the price of the car insurance put in my name ... my friends car insurance agent told us there is no such thing as having " equity in my car '' I asked the right questions, but we were both lied to ... .if we give the car back, we both will have a repossession on our records ... .I am currently awaiting a call from Ally Bank to notify them of how this deal went down and can they help us in this current situation ... ... thanks for your attention ... ..
Product: Checking or savings account

I accidentally sent a {$1000.00} XXXX payment to the wrong phone number through Chase, and it went to a random person instead of the person I intended for it to go to. 

I was able to get the phone number and name of the random person, so I know where it went. I reached out to them, but they didnt reply. I contacted Chase, and investigation told me they could not do anything about it. 

I am frustrated and dont know what to do at this point because thats a lot of money for me to send and lose like that. Can you help me get my {$1000.00} back?
Product: Credit card

On the website for the CapitolOne SavorOne card, it was advertised as having a 0 % introductory APR for fifteen months, and then an APR between 19.99 % -29.99 % after that. This was on the website when I applied on XX/XX/XXXX and then on XX/XX/XXXX when I spoke with Capitol One for the second time via phone. They verbally admitted to this advertising still being present. 

I called on XX/XX/XXXX when I saw my APR was 30.49 %. They assured me this was because my account was just opened and it would be 0.00 % soon. They advised me to call back the next day if it did not reflect this. I called again on XX/XX/XXXX and was told that I could not receive this APR because I had already agreed to the terms that did not provide me with it. Even when I escalated to a supervisor, they told me I would have to speak to a financial advisor to understand why I was not approved. When I expressed that I wanted the original advertisement to be honored I was told repeatedly that would not be possible.
Product: Payday loan, title loan, or personal loan

There has been an ongoing issue with LoanMart ( on behalf of XXXX XXXXXXXX XXXX ). Initially, they charged an interest rate of 98.64 % on an approximately {$11000.00} loan. Then when I struggled with payments, they finally reduced the interest rate to 33.02 %, which still has payments of {$650.00}. I also found out that my vehicle loan is NOT listed on my credit reports because LoanMart is not reporting my loan to the credit bureaus, and I can not even trade my vehicle in for another car due to this. The dealership I'm working with said that my vehicle is a ghost because of what LoanMart has done. Also, I addressed the interest rate with LoanMart because I am a resident of Florida, and the loan was issued to me as a Florida resident. LoanMart said they are not bound by Florida law, which makes the 33.02 % interest illegal. Also, I read that title loans in Florida can not go over 18 % if they are over {$3000.00}. I need help in getting a resolution with this company. I believe my loan agreement is illegal and invalid. Again, LoanMart said because XXXX XXXX is a Utah-chartered bank, they are not bound by Florida law XXXX which I disagree with because I'm a Florida resident XXXX They issued a loan to me in the state of Florida.
Product: Checking or savings account

Tried to withdraw money and Chase bank refuses to process transaction. When funds are dispersed it is less than the amount requested. XXXX quickly makes me leave and wont talk to me or answer any questions. They also keep asking what the money is for when it is none of their business.
Product: Credit card or prepaid card

On XXXX, XXXX, XXXX  XXXX XXXX received in the mail a letter that USBank. The Letter enclosed with a card named reliacard on it. Suspicious of the card we did some research. The reason for our suspicion was that there was never a bank account opened at USBank by XXXX XXXX. When doing research for the reliacard as well it explained online that the card wad for those that submitted for unemployment benefits.  XXXX XXXX also did not apply for any such benefits as he is XXXX  XXXX. We figured this was fraud and this video on XXXX from a news report in XXXX for XXXX is just like ours. XXXX  : XXXX In the article and video the lady who is a victim explains very much of what is going on with XXXX XXXX , in that this card has come out of no where, and that XXXX lives in a state ( California ) that does not even provide those benefits. We want to make sure this does not effect XXXX XXXX credit and other statuses with the IRS as we believe someone has taken their identification. We need help as soon as possible dealing with this matter. We already headed to USBank in person but they explained they are only the bank part of this, the government is who issues the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach that affected 143 million people. This is a credit monitoring service. It took them over a month to find the breach. How can ANY of these credit monitoring services be trusted with our very personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Accounts- XXXX XXXX, XXXX XXXX XXXX and catherines accounts are incorrectly showing balances. Attempt made to correct with XXXX XXXX unsuccessful. Account balances are all incorrect.
Product: Other financial service

I opt in to receive assistance from  XXXX   XXXX    XXXX   and after filling out the necessary documentation I 've been trying to get in contact with them to cancel the process once I found out that I could 've done everything for free of charge. I 've left messages and called numerous of times but no call or response and they have an automatic system that 's set up to lie about their hours. It has n't  been thirty days and I 'm not  due for a payment yet all I want to do is cancel my whole consolidation process.
Product: Checking or savings account

Ok i got a brand new debit card from robinhood. No one has the credentials of the said card and somehow someway I am being charged XXXX charges XXXX charges. Without anyone having the credentials of this new card. Brand spanking new card i recieved on friday the prior week. Look i been going through a lot with these federal entities and if they are going as far as using my identity for malice purposes such as ruining my funds with these bogus purchases i would like to know. Theres a lot id like to know on top of that
Product: Debt collection

I had filed a complaint with the CFPB and they resolved in my favor. They said that they did not report to a collection agency. They have lied about the reporting. Last week I went to buy a car and was told taht I had this on my credit report that affected the cost of financing the new car. The old CFPB case number was XXXX. This has effected my credit score and I demant that they compensate me and correct the false report as they stated to the CFPB. When I responded to the resolution I ask that they send me a clear copy of all credit agency showing nothing was reported to them. That never happened and here we are again.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. Equifax 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 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate. None of which have account numbers listed in my report. 
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
Product: Debt collection

I had no knowledge of this debt until it showed on my credit report. I have sent a debt verification letter and have yet to receive a response from the debt collector. Letters were sent via certified mail and was received by collector on XX/XX/21. After calling the office they informed me that they received the verification letter. I advise them that it had been over 45 days and I have not gotten a response. I informed them I would send another letter and the gentleman I was speaking with informed me that it wouldn't change anything.
Product: Credit reporting or other personal consumer reports

1 ) XX/XX/XXXX : Letter was sent to Experian requesting a Goodwill Removal due to XXXX XXXX. This account was a joint account with my abuser. I sent in police reports and everything. It was a small amount past due of {$580.00} of which he paid off in XXXX. I received NO RESPONSE. 

2 ) XX/XX/XXXX : Sent letter # XXXX with return receipt- to Experian disputing the information listed under the collection account " Fair Collections and Out XXXX ''. They were reporting the account as an OPEN ACCOUNT with a TERM of 1 month. They were reporting the balance as " not reported '' which makes NO sense. 

3 ) XX/XX/XXXX : Experian responded verifiying it as accurate. Continued to report the paid collection with a 1 month term and OPEN. 

4 ) XX/XX/XXXX : Sent a letter to to Fair Collections and Outsourcing via certified mail return receipt. Asking for them to VERIFY ( not validate ) my account and requested copies of the documentation that was sent to the Credit Reporing Agencies. The letter was indeed received by someone in the company. I never heard back or received any such documentation from Fair Collections and Outsourcing. FAIR COLLECTIONS AND OUTSOURCING HAVE YET TO RESPOND. 

5 ) XX/XX/XXXX : Sent letter # XXXX to Experian. I let them know that I contacted the furnisher directly and after almost two months that no doumentation from the furnisher was sent to me. I sent them a copy of the letter that was sent to the furnisher as well. I asked Experian how were they able to verify the accuracy of this dispute if the furnisher couldn't provide documentation? I requested them to remove the item from my report as it is unverified at this point. 

6 ) XX/XX/XXXX : Experian responded with a ridiculous email stating they believed that they received a dispute request from soemone OTHER THAN ME! Even though my request was sent WITH a photo ID and copy of my SS card. 

Copies of everything are attached.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally report an ongoing issue I have been dealing with for the past two years regarding fraudulent accounts on my credit report. Despite my consistent efforts to resolve this matter, I am still being held responsible for accounts that were opened in my name without my authorization.

I have been in contact with the creditors and credit bureaus repeatedly over the past two years, explaining that the accounts in question are not mine and were opened fraudulently. I have provided documentation, including identity theft reports and police reports, to support my claims, but the issue remains unresolved. These fraudulent accounts continue to appear on my credit report, severely affecting my credit score and financial wellbeing. 

I request that the CFPB intervene to help ensure these fraudulent accounts are properly investigated and removed. I am seeking assistance in ensuring that my rights are protected and that the proper steps are taken to address the fraudulent activity on my credit file. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX