23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am victim of Identity Theft and inaccurate and incomplete information being reported by TRANSUNION. After reviewing my credit report, I noticed fraudulent inaccurate information reported by XXXX XXXX XXXX Acct XXXX for collections. XXXX XXXX XXXX reported this same XXXX account XX/XX/year>, and it was deleted from TRANSUNION credit report. XXXX XXXX XXXX XXXX also reported this same XXXX account XXXX and it was deleted from my TRANSUNION credit report. XXXX XXXX XXXX is in violation of 12 CFR part 1006.18 ( 1 ) ( i ) ( ii ) ( c ) ( 4 ) ( d ) False, deceptive or misleading representation in connection with collection of any debt. XXXX XXXX XXXX Acct XXXX is Identity Theft and Fraud and is a Crime in which XXXX XXXX XXXX IS WRONGFULLY obtained and is using my Identity that involves fraud and false, deceptive misleading representation in connection to collection of debt.
Product: Student loan

I am on an income-based repayment program through Navient with an annual payment of approximately {$560.00} per month. I have five loans at varying rates ( 2 at 6.5 %, 1 at 7.5 % and 2 at 2.25 % ). First, Navient has set up payment on these loans in a manner that I am paying the principal on the two loans with the lowest rates while the remaining loans are being paid at just below the monthly interest that accrues. Not only is this extending my loans payment period overall, but Navient is taking advantage of this scheme to charge additional interest. 
Second, on occasion, payments are not submitted to each loan as my payment plan details. Instead, it is applied to one loan while the others do not even receive the money necessary to cover the interest accrued over that same period. This additional interested is then added to my balance as capitalized interest on my entire loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

kay jewelers is still reporting on my credit report, this account is XXXX XXXX XXXX. I have settled this account and its over 7 years old. I am trying to purchase a home and I need this deleted off all my credit reports. 

Thank you
Product: Mortgage

I just spoke to Select Portfolio Servicing ( SPS ) 's customer service and they said they will NOT send my monthly statements, even though it is required by law. This is a Criminal Organization, This is the 7th CFPB complaint against the fraudster Select Portfolio Servicing ( SPS ), since XX/XX/2020. The fraudster Select Portfolio Servicing ( SPS ) s real business goal is to fraudulently manufacture foreclosure and this is how the fraudster Select Portfolio Servicing ( SPS ) makes money. The fraudster Select Portfolio Servicing ( SPS ) refused to ( i ) respond to the Qualified Written Request ( QWR ) under RESPA and ( 2 ) mail monthly statement, showing how all my payments are applied ; including that the fraudster Select Portfolio Servicing ( SPS ) cashed the XX/XX/2020 mortgage payment from my bank XXXX Bank via ACH. This company do not send any statement every month. To-date, I have spent {$4500.00} in legal fees. This fraudster Select Portfolio Servicing ( SPS ) is an extremely corrupt company operating like Racketeer Influenced and Corrupt Organizations Act, based on internet inputs from their customers Select Portfolio Servicing ( SPS ) must provide a written statement to the borrower each billing cycle, which is usually monthly. ( 12 C.F.R. 1026.41 ). SPS 's statement must show : the amount currently due, including how much will be applied to principal, interest, and escrow the total of all payments received since the last statement how prior payments were applied transaction activity partial payment information fees or other charges to the account account information, like the outstanding balance and interest rate contact information for the servicer and housing counselors, and information about delinquencies, if the borrower is behind on payments.
Product: Checking or savings account

Had an unauthorized charge through PayPal. Called the company and got redirected to open my bank account and they removed almost all our money from our accounts. Was showing my account got credited a wrong amount and I had to pay them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer rights continue to be violated by Experian. I am using factual information from their inaccurrate credit reporting to dispute this items. As it is my right to have accurate information reported. 

The account of XXXX XXXX XXXX XXXX  ( listed on Experian ) This account is reporting incomplete payment history, as well as a Past Due amount on a closed account. Experian has failed to update -The status update. This has not been reporting correctly it currently says as I have disputed this account with Experian on XX/XX/XXXX. ( I will attach Exhibit A. dispute report ) Report XXXX. 

How can XXXX XXXX be the status update when I clearly disputed it on XX/XX/XXXX. Furnishing and Reporting Old Information this is a Direct violation of FCRA. Please delete this account. 

Below is previously Disputed for inaccurate reporting on Experian Report number Report Number XXXX XXXX XXXX ( Exhibit B. ) XXXX XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$540.00} written off. {$630.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$630.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$400.00} Highest Balance {$0.00} Terms 10 Months On Record Until XX/XX/XXXX Report Number XXXX ( exhibit C ) XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several years I've been reporting false education late payments listed in my credit report directly to all three major credit reporting agencies. I've also taken my dispute directly with the school " Georgia Student Finance '' and they have not corrected the matter. XXXX was the original education loan I obtained and was in forbearance when Georgia was sold my loan - I was never late and the problem was with the exchange between the two institutions on how they handled handover. 

This false information has impacted my financial livelihood and is making very difficult to deal with - please help.
Product: Mortgage

My mortgage holder, Select Portfolio Servicing ( SPS ), performed an escrow analysis on my account and mailed me a letter informing me of such in early XXXX XXXX. In the letter, I was informed that, based on their projections for the year, I had overpaid my escrow by about {$700.00} and that I could expect a refund. No timeline for the refund was provided in the letter. 
Maybe a week after receiving the letter, I contacted SPS to see when they might be mailing me my refund. I was told the check would be mailed on XXXX XXXX XXXX. I waited for the refund to appear in my mailbox and it never did. 
I contacted SPS in mid XXXX XXXX and was told the check was mailed on XXXX XXXX XXXX. They were surprised that I had n't gotten it in the mail yet and I was told that the check would be cancelled and a new check issued. During this conversation, as in all prior and subsequent conversations, I was prompted to verify my property and mailing address ( they are the same ) with SPS 's call center representatives. 
I have been in regular contact with numerous SPS call center representatives in the past 3 weeks or so ( none are able to give me their direct contact information, as they are 'call center ' workers ) and none of them has been able to verify for me where my refund check is and when I might see it. The best answer I 've gotten is somewhere along the lines of 'I 've alerted my supervisor and noted it in your record '.

I understand federal law ( RESPA ) requires companies like SPS, following their annual escrow analyses, refund any escrow overpayments of {$50.00} or more to the lender ( s ) within 30 days. My concern is that deadline has come and gone and I still have n't gotten my refund.

SPS has my correct mailing address. Otherwise, I never would have been alerted to their analysis of my escrow nor my escrow overage in the first place. I suspect they never sent me a check on XXXX XXXX XXXX and are in violation of federal law. 
Also, XXXX is coming ; I want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 fraudulent accounts that continue to report on my Equifax credit report. On XX/XX/20, I notified Equifax of the fraud by submitting an official FTC Identity Report. Equifax has not blocked or removed the listed fraud : XXXX XXXX XXXX  XXXX {$3400.00} XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX  {$0.00} Hard Inquiry : XXXX/XXXX  XX/XX/20
Product: Debt collection

I was shocked to see your name on my credit report. I have never heard of RENT RECOVERY SOLUTIONS, LLC., You have never sent me any correspondence regarding this matter. I did a little research and saw you claim I owe a place called XXXX XXXX. I have never lived there. I did go there about 5 year ago looked at an apartment I didn't like it, I told them as much, and I lift never to return. I am Demanding Notice of assignment and Verification of the debt. I also intend to file a complaint against the Apartment Complex with the FTC unless this is off my 3 credit reports, as if it were never there.
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 XXXX XXXX XXXX. 
XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX Acct # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an 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 XXXX years. 

I found that I am subject to my privacy as a consumer and I have not been convicted for any crime of these reporting accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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: Debt collection

Back in XXXX Ive received a bill from XXXX, I called then and explained to them that this isnt my bill and they told me that they couldnt put someone else bill in my name. I filed a police report and found out that the bill belongs to someone else with the same first name, middle initial, and last name as me. The detective have not contacted me back since then and Ive tried calling and still wasnt able to speak with the detective. This year I checked my credit report and seen that the bill was still there. I disputed it over the phone and they havent removed it but they gave me a shorter date for it to close. There is also a address connected to this bill on my report that Ive never lived at.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my credit report, which I did not authorize. These unauthorized inquiries are negatively affecting my credit score and hindering my ability to obtain a mortgage and other forms of credit. I have already sent letters to the creditors listed below to dispute these inquiries, along with a copy of my ID and SSN to verify my identity, but I have not received any responses. All so Affidavit is attached to this Complaint. 

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 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 

Address that's not mines please deleted listed below. only real address that is mine is the XXXX on my ID ( see attached 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

HSBC has my loan as transferred, not paid off. A Check was used to pay this account off in full. It also reflects my last late payment XX/XX/XXXX.
Product: Student loan

XXXX UniversityXXXX XXXXI was a University student that began my education XX/XX/XXXX. After taking a break XX/XX/XXXX because of work, I restarted XX/XX/XXXX and was told I had to get a XXXX loan to get started again. NEVER was I told that I was going to have to make payments while in school. NEVER was I told that the interest rate was going to be 8 %. They say I did n't qualify for funding but yet I did before and I did afterwards so it was very strange to me that I had to get a higher interest rate loan from a 3rd party. XXXX was the only option that was given to me at the time. I have been paying on this loan for 3 years and have missed only XXXX payment which was the XXXX payment because I did n't know that I had to start paying on it while in school. It has been a struggle for me to pay for my federal loans and my private XXXX loan at the same time. My loan was then sold to UAS XX/XX/XXXX this year. I do n't feel the practices that XXXX performed were in my best interest financially but what choice did I have. My loan was for roughly XXXX. This loan was necessary for me to complete the program that I was involved in so doing it was necessary and they knew that. If I did n't take out the loan, than I had school loans for roughly XXXX with nothing to show for it.
Product: Debt collection

I called them on XXXX or XXXX or XXXX to ask if the account could be removed an the manager stated that he would in fact get it deleted and I would recieve a email in 3 days in which I did not. The last time I filed an complaint you state you listened to the phone call please listen to the ones from these dates because he stated it would be deleted. Thanks alot
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2900.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXBalance : {$260.00} XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXXBalance XXXX {$1100.00} XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$380.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX {$74.00}
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to bring to your attention several violations of my rights under the Fair Credit Reporting Act ( FCRA ) by the following entities : ACCOUNT INFORMATION : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX Violations of FCRA : Right to Privacy ( 15 U.S.C. 1681a ) : I am concerned that my personal credit information has been mishandled by these entities. Specifically, I believe there has been unauthorized disclosure or mishandling of my credit data, which breaches my right to privacy as protected under the FCRA. The act mandates that credit information be handled securely and only disclosed under permissible circumstances.

Failure to Obtain Written Instructions ( 15 U.S.C. 1681b, Section 604 ( a ) ( 2 ) ) : I have discovered that these entities may have reported my credit information without obtaining written consent from me, as required by this section of the FCRA. This is a clear violation of my rights, and I request that an immediate investigation be conducted to determine the extent of these unauthorized disclosures. 

I request that you provide a detailed explanation of how my credit information has been used, disclosed, or reported, including the parties involved and the basis for any actions taken without my written consent. Furthermore, I ask that any inaccuracies or unauthorized disclosures be promptly corrected, and that you confirm to me in writing that these violations have been addressed. Please also ensure that any negative information resulting from these violations is removed from my credit reports immediately. 

I trust that you will treat this matter with the seriousness it deserves and will take swift action to resolve these issues in compliance with the FCRA. Please respond within 30 days of receipt of this letter to confirm the steps taken. 

Thank you for your prompt attention to this important matter. 

Sincerely, XXXX XXXX
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 U.S.C 1681. 

XXXX XXXX account # XXXX Open XX/XX/2017 has VIOLATED my rights XXXX XXXX account # XXXX has VIOLATED my rights XXXX account # XXXX has violated my rights XXXX XXXX has 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 of the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

Capital one has previously responded to my inquiry regarding the account be closed and the checks bouncing back, now today the XXXX of XXXX I recieve a email at about XXXX that the check has been deposited, the same check that had bounced back. Doesn't make sense my account was closed and I can't access anything on my account and I need answers to this. I left previously on your voicemail many voicemails to get me a call back and nothing or anything has called. I need answers towards if that deposit was made and my missing money on my account and when will I receive that funds left in my account, because capital one is stealing my money right now, I have pictures and proof of the emails and deposits and I will attached to this complaint. I need answers, and please respond to my complaint accordingly, Account number XXXX Don't know why banks are like this and always fail to provide answers and we have to go to this extreme. I'll be waiting for a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report two debts that were discharged in Chapter XXXX bankruptcy ( XXXX ). I talk to them about the problem several time. As of today the information is still being reported on my credit report.
Product: Student loan

I am the parent of a student whose loan I XXXX ... After trying to work with Sallie Mae..they refused to o accommodate what I can pay as payments and when I made a verbal agreement with them ... specifically XXXX XXXX... to make a payment of {$260.00} by XX/XX/XXXX XXXX. A few days later she called my daughter and set up a payment of the same amount {$260.00} without telling me or without telling my daughter that I had already set up a payment arrangement!!! Very unscrupulous!! On top of that they are making harassing phonecalls to my other children and daughter in law ... is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

unverified items appearing on my credit report demanding to see verified proof.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it.
Product: Credit reporting or other personal consumer reports

XXXX want to delete this account on my credit report called LVNV Funding LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXX, XXXX  XXXX in the amount of {$1600.00}. This account is being reported to all the credit bureaus and it is hurting my credit score. Please remove this account on my credit report because the information is incorrect. I'm uploading verification of my identity such as a Massachusetts ID card and a Social Security card.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX  days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts will get corrected. 
XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00}