23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio Servicing , Inc. continues to evade simple, basic questions I have posed to them regarding the validity of my mortgage debt, and instead, is relying on twisted words, half-truths, incomplete answers and non-answers in a desperate attempt to hide the truth. 

Specifically, I sent via Certified Mail, and SPS rec 'd on XXXX XXXX, a formal 'Dispute of Validation of Debt ' and in short, the reply from SPS was wholly inadequate. 

As XXXX case in point, federal law requires that the debt collector ( SPS ) provide the true identity of the 'creditor ', and yet, all I rec 'd was a jumbled mess of a paragraph that tries to say that XXXX is the 'noteholder ' - a claim that XXXX Bank has formally denied - and that SPS is the 'servicer ', and that my note is 'secured with other notes traded on XXXX XXXX ''. 

Nowhere in that reply is specific information as to who the actual 'creditor ' is as defined by XXXX XXXX. 

Additionally, another requirement in a reply regarding a dispute of debt is for the debt collector to clearly identify who the original creditor is ( or was ). SPS also failed to make clear the simple answer to that question. 

In response to an earlier complaint to XXXX Bank, SPS wrote on XXXX XXXX, XXXX that " the 'owner ', sometimes also referred to as 'investor ', 'creditor ', and/or 'note holder ' '' is in fact XXXX Bank. In their XXXX XXXX, XXXX reply, SPS clearly implies that all of those terms mean the same thing ( see attached ). 

However, in clear contrast to that assertion, XXXX Bank says it in fact is NOT the owner ( which also according to SPS means it is not the 'creditor ' nor the 'note holder ' ), and that instead, some unnamed 'Trust ' is the actual 'owner of the mortgage and note ' ( see attached ). 

Accordingly, I still do n't have a clear answer as to who the actual 'owner/creditor ' is, despite filing a formal dispute of the Validation of Debt with the debt collector. 

In addition, SPS failed to answer the vast majority of the questions I asked relative to the origination of the debt, and who was in fact the actual creditor ( or lender ) to begin with ( see attached list of questions contained in the 'Dispute of Validation of Debt and Qualified Written Request '. 

All I rec 'd was another copy of the Mortgage and Note, which shows XXXX XXXX XXXX as the 'Lender ', but without further detail regarding whose money Encore was actually lending, there is no evidence whatsoever that Encore was actually a 'true creditor ' in the first place. The information is needed to determine if this case fits the same fact pattern as XXXX, XXXX XXXX XXXX, XXXX WL XXXX ( XXXX XXXX XXXX, XXXX ), and all indications are that it does.
Product: Checking or savings account

XXXX - I opened two deposit accounts for my XXXX XXXX ( XXXX )  expansion at Bank of America - Small Business online web portal XXXX - SBA loan proceeds deposited in to primary account by the US Treasury XXXX - letter sent by Bank of America with 'threatening ' language indicating that my account was closed - no cause of action provided. Threats include a statement that " Our decision to close your account is final and may affect your ability to open a checking or savings account with us in the future. '' But worse - " We may report you to XXXX XXXX  ... The may affect your ability to open an account at any other financial institutions for up to five years. '' XXXX - second letter sent by Bank of America. First line in bold letters, " We've closed the above account. '' Then - " At this time, any remaining balance won't be returned to you. '' XXXX - I received the first letter on XXXX and called the following day. Was told that 'an analyst suspected fraud on my account and that funds were being held in back office pending review. ' I escalated to a supervisor who sent it back to the analyst for review ... very harsh and accusatory tone in their dealing with my questions XXXX - I called back and was first told that this was still under review. After pushing back hard, I was told by a supervisor that this had been reversed and that my accounts were reinstated but that the funds would take 48 hours to clear back in to the account. I asked for and was given a path way to escalate this to the executive response team, given that I had already written to XXXX XXXX - XXXX of Bank of America. 

** I have now had multiple calls and escalations since these letters arrived - happy to report that BofA acknowledged this was a mistake on their part and are complying with my demand for a letter of release, indicating that I did nothing wrong and that this was a mistake on their part. I expect this letter by XXXX. 

Even with their apology letter and reinstatement of my accounts, this complaint still stands in that the language used in the letter is - or should be - illegal. Threatening my financial future by an unsubstantiated claim of fraud is wrong. Withholding funds as they suggest in the second letter is a felony crime under GA law ( OCGA 16-8-2 ) -  Theft by Taking since it's clear by the statement " remaining balance wont be returned to you '' that they had 'intent to permanently deprive ' me of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that your company supplied to [ XXXX, XXXX, EQUIFAX. I have listed the items I dispute on the This item hard inquires from CONSUMER XXXX XXXX XXXX XXXX is inaccurate because MY NAME IS INACCURATE AND HARD INQUIRES WHERE UNAUTHORIZED. I am requesting that CONSUMER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX have the item removed and accounts removed from my credit profile immediately Delete hard inquiries - CONSUMER XXXX XXXX XXXX XXXX  Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX Delete inaccurate account - XXXX XXXX Delete inaccurate account - XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied for an independent foreclosure review and the Indymac then transferred to XXXX XXXX XXXX now serviced by Ocwen sent correspondence that I was not in foreclosure and that the mistake was due to a misplaced payment yet I have fees on my account amounting to approx XXXX. I have sent letters in XXXX XXXX to all XXXX mortgage companies above and have not received a response. I also requested a copy of my original loan application, HUD -1 as well as copies of any and all assignments of my deed of trust filed in Maryland land records. I have only received a letter from Indymac stating that they have received my request but I have not received any documents or copies nor resolution to my foreclosure fees.
Product: Mortgage

I have been dealing with BSI Financial 's Loss Drafts Services because my house flooded and my insurance requires that my loss check be endorsed by my mortgage company. They have had the check for two months, and have made it virtually impossible to get paid. When I finally met all of their requirements and jumped through every single hoop ( which was difficult because every person I talked to told me something different ), they told me they would send me a check ... and then they didn't. It seems like they are actually trying to prevent me from being paid. I'm a fairly reasonable person and a lawyer, but I feel like if they are doing this to me they must be treating others the same way, and it's frankly unacceptable that people with damaged homes need to spend hours and hours begging their mortgage company to give them their insurance proceeds. Right now they are giving me the run around on a check that is over {$40000.00} because they keep doing it wrong ( writing it for the wrong amount, mailing it to the wrong address, etc. ), none of which is my fault. I am at my wit 's end and honestly I think they may want me to default on my mortgage. I would never work with BSI if I was choosing a mortgage servicer. Please be careful if you are working with them and do not let them get away with not paying you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX XXXX, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX Balance : {$2.00}
Product: Credit card or prepaid card

I obtained a XXXX  XXXX  credit card backed by Synchrony Bank. I have a small credit limit of {$1400.00}. I was initially able to use my credit card with no issues. On XX/XX/XXXX I made a payment of {$1000.00}. This money was deducted from my checking account and posted to my credit card balance thereby reducing the amount owed on my credit card. This money has been deducted from my checking account and the transaction is finalized by my bank. 
As of today, XXXX  has not released these funds for use. I contacted them and was told it is their policy to flag certain transactions and place a hold to ensure that the paying bank does not recoup funds. I was told that I can access my credit on XX/XX/22 at XXXX. 
In summary, I have a {$0.00} balance on my credit card and a {$1400.00} credit limit but I can not access my credit until XX/XX/XXXX at XXXX due to an arbitrary " policy '' that holds my payment in limbo.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Mortgage

SLS is not processing my modification requests after inappropriate handling by their representative. The representative assigned to my case advised via letter that she is available from XXXX-XXXX. When I call the XXXX # they advise me she in fact works XXXX-XXXX my time so I will never be able to speak to her with my normal working hours from XXXX-XXXX. I have received misinformation over and over from the XXXX # and requested multiple callbacks from supervisors with no response. My most recent issue is a denied modification for missing paperwork when they have had the paperwork on file from the point I emailed it on XXXX/XXXX/16. I was told via the XXXX # that the paperwork was acceptable, but then received letters stating it was not. I called back in and requested the file to be re-opened because everything was there. The rep advised she would re-open the file and to call back in a few days as it would be done. I called back in and was informed it would take 5-7 days to reopen the file. I requested a call from a supervisor as this was day 5 with no return call. I waited and called back today and the representative advised it was closed and the reopen was denied for the missing paperwork that he again found on the file in fact they have 3 separate letters available. I asked him if it would be another 5-7 days to reopen and was advised that it never takes that long, it 's only 24 hours and he did n't know where I was getting 5-7 days as it was never documented in the file that I was told 5-7 days either. I receive constant misinformation, contradicting information and I can never get a hold of the one person that is supposed to manage my file. I am incredibly frustrated at this point and my home is set to be foreclosed. Not one person reflects any sense of urgency in handling my file and they do not care that I have received misinformation over and over again. I have requested another call back from a supervisor and I fully expect this to be ignored again. Please help me.
Product: Debt collection

This debt belongs to my ex husband. This debt was also included in his bankruptcy. I am in no way responsible for this debt.
Product: Checking or savings account

I Am Having a Problem with TD Bank for Some Reason in XXXX my debit card was stolen and my ex-boy friend used my debit card to make fraudulent transaction on a Old Account That i Had With TD Bank in XXXX. So i Open a New Account XX/XX/XXXX at a TD Bank Branch and also Paid the Other Account In Full Account {$560.00} account ending XXXX and the agent at the TD Bank Branch Told Me Unfortunately We Are Not Going to Give You Full Access to Your New TD Bank Checking Account the NEW Account i Open at the TD Bank Branch Because we Need to Contact our security department to remove a block for i can have access to TD Bank Online Banking. So Today XX/XX/XXXX TD Bank Closed My New Checking Account Number : XXXX Because we Detected You Had Previous Account in XXXX with Fraudulent Activity so Unfortunately You Are Not Going to Be Allow to Have Any Accounts Open With TD Bank. and i really don't understand why TD Bank Did This to me and i never did anything wrong all those problem that happen with Fraudulent Activity that was Something that my Ex-Boy Friend Did Without my Permission and stole my debit card from my other account and used my Pin to take money Out and did all did Fraudulent Stuff Without my Permission Please Help me With this i also Made a Deposit {$100.00} to open the new Account and the Branch Refused to give me back the Money For The Deposit i Did on my New Checking account ending XXXX that i try to open and they closed also
Product: Debt collection

I received a letter from someone that appeared to be an attorney 's office ( Jonathan Neil & Asociates ) advising that I owe them {$1600.00}. The letter threatens to suspend my drivers ' license and vehicle registration. This is a fraudulent claim. I spoke to an insurance company previously and advised of what had happened and that I was in involved in an accident. They advised that they would be in touch. I never heard anything back and then received this letter from a company that appears to be a law firm threatening to suspend my license and registration. I have written them asking that they send any proof they have or do not contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX  XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$16000.00} XX/XX/XXXX
Product: Debt collection

XXXX has been on constant attack of my sister and I and the property management company they are supposedly in contact with claimed that our final bill was accurate ... In which is invalid due to the fact that the while my sister and I'm lived in our old community they had 3 changes of property management company and office personal changes even more often.. the property management company that we informed them to discuss the charges we refuse to pay with elemental because it's from when they were in charge ... When we moved it it was home properties And then sold to elemental then sold 2 days before my sister and I moved out to XXXX properties who are the same property management company that we currently live at. With all that being said we feel as if this XXXX is harassing us and the property team is discriminating and so disrespectful my sister and I felt like we weren't safe living here
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 

XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX  Account Number XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXXXXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause t
o believe that the information is inaccurate.
Product: Checking or savings account

1 ) I asked PNC Bank to make automatic deductions of {$82.00} from my checking account monthly and pay XXXX XXXX XXXX. 
2 ) Deductions were made sporadically. 
3 ) XXXX XXXX XXXX contacted me around XXXX stating that I no longer had to pay a XXXX Late penalty of {$6.00}. 
4 ) Around XXXX payments were decreased to {$79.00}. 
5 ) PNC did not make deductions in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX which resulted in me being disenrolled from the insurance. 
6 ) In XXXX, XXXX- {$79.00} payments were made.
Product: Checking or savings account

This is my second complaint regarding the same issue. 

On XX/XX/year>, Merrill Lynch closed my account ( which I have no problem with ) and mailed me a check that I never received due to an incorrect address they had on file. On XX/XX/XXXX, I discovered the account was closed and had a XXXX balance, which was particularly distressing as I had lost my income around that time. 

After not receiving the check, I visited the branch approximately XXXXwo weeks later and spoke briefly with the manager ( I can provide her name if needed ). She checked the status of my check internally and informed me that it could take up to 10 days to lift the restriction, followed by an additional two to three weeks to mail the check. 

On XX/XX/XXXX, after seeing no action, I called the bank again. Its important to note that I attempted to reach the bank multiple times but had difficulty getting through to the right person. Unfortunately, my call on XX/XX/XXXX did not yield any results. 

I visited the branch again on XX/XX/XXXX after making an appointment. This visit and the complaint I filed with the CFPB on XX/XX/XXXX led to a response from Customer Experience Manager XXXX XXXX, who called me on XX/XX/XXXX. By the end of XXXX, I finally received my funds. 

During my conversation with XXXX XXXX, I requested compensation for the lengthy wait and what I believe was a systematic administrative oversight, as it took three attempts to get my issue resolved. XXXX XXXX indicated he was working on this compensation. He called me on XX/XX/XXXX to discuss the amount, explaining that according to the bank, it would be XXXX. He followed up on XX/XX/XXXX, asking me to specify the compensation amount, which I provided on XX/XX/XXXX along with a description of the stress and inconvenience I experienced. 

On the same day, I received a response from XXXX XXXX, Senior Business Control Specialist. This response focused heavily on the reasons for my accounts closure, which was never an issue, while acknowledging the administrative oversight from my initial call on XX/XX/XXXX. However, it completely omitted the fact that I contacted the bank twice more in XXXX and again on XX/XX/XXXX, both times with negative results. This omission suggests a systematic issue rather than just an administrative oversight, and I believe the banks response was tailored to their advantage, disregarding any consideration for compensation. 

Additionally, the response instructed me to contact XXXX XXXX by phone with any questions or concerns. I attempted to reach him twice in the following weeks, leaving voicemails and sending follow-up emails, but I never received a response. 

Thank you for your attention to this matter.
Product: Debt collection

Hunter Warfield XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX Alleged Balance Owed : {$4100.00} Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX