23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello. 

I am sending this complaint through this portal because I believe this is the best option to get a fair solution to this issue. 

LVNV Funding is playing with my rights as a consumer. The account information is teh following : account # XXXX, opened date reported XX/XX/2019, original balance {$2300.00}. 

Here are some violations to the FCRA committed by LVNV : 1. Double reporting 2. Reporting an incorrect opening date 3. Unfair business practices This is causing me XXXX  stress, and some other negative impacts on my health. 

Please send the attached documents to LVNV Funding. 
Thank you.
Product: Debt collection

SPS IS A PREDATOR AND PRACTICE PREDATORY PRETENDING LENDING, TAX EVASION FRAUD, SECURITITES FRAUD AND XXXX VIOLATIONS AND MORE! -- -- SPS S SERVICING AND COLLECTING FOR XXXX XXXX XXXX XXXX XXXX WITH XXXXXXXX XXXX XXXXXXXX XXXX XXXX THIS LOAN IS APART OF THE XXXX MORTGAGE CRISIS AS " XXXX '' OF THE RESIDENTIAL MORTGAGE BACKED SECURITIES FRAUD AND WAS APART OF THE NY CONSENT ORDER FOR CONSUMER RELIEF IN XXXX PRIOR AND AFTER. 

SELECT PORTFOLIO IS A " COLLECTION AGENCY '' PER THE UTAH DEPARTMENT OF STATE AND THEREFORE HAVE VIOLATIONS UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA XXXX XXXX XXXX ), RESPA, TILA, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC. XXXX, DEBT COLLECTION LICENSING ACT, XXXX XXXX, AND XXXX BY AGGRESSIVE MISLEADING LEGAL AND FRAUDULENT DOCUMENTS SUING IN COURT IN A COMMONWEALTH OF PENNSYLVANIA, CITY OF XXXX XXXX OF COMMON PLEAS CIVIL TRIAL DIVISION CASE XXXX WITH A ILLEGAL DEFAULT FORECLOSURE JUDGEMENT WITH FALSE DOCUMENTS AND THEY ARE " SERVICING A LOAN FOR A NON PARTY LENDER '' WITH NO ACTUAL XXXX OR RIGHTS TO THIS ASSET AND PROPERTY OR CLAIM. THIS IS FRAUD ON THE COURT AND DOMESTIC TERRORISM. 

SPS COMMITTED FRAUD WITH XXXX ROBO SIGNING AND ROBO ASSIGNED THIS LOAN THROUGH THEIR SYSTEM AFTER CONSENT OR ISSUED A " MORTGAGE RELEASE THROUGH XXXX XXXX XXXX '' COLLECTION AGENCIES BUYS OLD DEBTS. SPS IS A COLLECT AGENCY BY LAW. SPS IS A LEGALLY ONLY SERVICING AND THIS LOAN COLLECTING FOR A 'NON - PARTY LENDER ''. 

XXXX XXXX XXXX XXXX CO XXXX NOR XXXX XXXX XXXX XXXX CO XXXX XXXX TRUSTEES ) ARE " NOT '' THE LENDER HAS NO RIGHTS AND HAS NO LEGAL STANDING TO SUE ME FOR MY HOME AND FORECLOSURE ON XX/XX/XXXX! SPS HAS COMMITTED FRAUD BY XXXX XXXX  XXXX, XXXX, AND EVERY OTHER FEDERAL HOUSING AGENCY AND HAVE CONSENT ORDERS FOR FRAUD ON FILE WITH EVERY FEDERAL AGENCY. YET THEY HAVE NOT STOPPED. 

A XXXX HAS BEEN FILED WITH NY STATE AND SPS DOES NOT HAVE A LIEN ON THIS PROPERTY OR BODY. THEY ARE TRYING TO STEAL MY HOME! 

THIS IS FRAUD. STOP THE FRAUD. CALL THE XXXX  HELP!
Product: Credit reporting or other personal consumer reports

Upon the review of my consumer report i notice inaccurate information. The presence of this informatio violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( a ) ( 2 ). This section stipulates that a consumer report may only be furniished in accordance with the written instructions of the consumer to whom the report relates.

The inaccurate information is as follows : AccountXXXX XXXX XXXX  Account # XXXX I did not provide written authorization for the furnishing oof my consumerreport for the purposes that would justify the inclusion of the disputed information. Therefore, the presence of this infrmation on my consumer report is unauthorized and in direct violation of 15 USC 1681b ( a ) ( 2 ).

I request that you promptly investigate this matter as required by the FCRA and remove the inaccurate information from my consumer report.Please provide me with written confirmation once the investigation is complete, detailing the actions taken and the results of the investigation, along with an updated copy of my consumer report.

You have 30 days to delete this information from my consumer report Thank you for your immediate attention to this serious matter. I look forward to your prompt response and resolution.
Product: Mortgage

My mortgage payments are not being reported to any credit bureaus. When I called the lender, they say the payments were not being recorded because the home was never " reaffirmed ''. This is seriously impacting my credit score. I have been through three bankruptcies and have finally bounced back from the XX/XX/2008 financial crisis. However, my home is still severely underwater and not having my on-time mortgage payments recorded for three years is making rebuilding my credit more difficult. I have tried rebuilding with credit cards ; however, that is what got me in trouble in the first place! I just want my mortgage payments reported and I would like for them to be reported retroactively.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly unpaid student loan collections for DP OF EDUC and XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 10, 11, and 12 of the attached credit report. I have also attached a spreadsheet with the account numbers and balances reporting on the collections. ) There was a garnishment for over {$8000.00} on my tax return for collection of these student loans. I originally came to a settlement agreement with the Department of Education for {$1900.00}. I was not aware of any garnishment proceeding until I filed my taxes. I received confirmation from the I.R.S. that this garnishment was from XXXX. I contacted the Department of Education on multiple occasions only to be told that a garnishment was never initiated from them. The fact remains that I was garnished and no one can confirm to me who filed this garnishment even though the I.R.S. said it was from XXXX. I have not been able to speak to anyone further with the Department of Education that can provide me with more information. They are denying they ever garnished my wages. There has been no further communication with me regarding where this money has gone. This incorrect reporting is harming my credit score. Please remove this line item from my credit report.
Product: Mortgage

This complaint is in reply to the completely bizarre response I received from Bank of America to my last complaint filed through this website -  XXXX . While I could not have been more clear that my complaint was a direct result of  BOA 's  failure to provide a direct answer to a simple question from an earlier complaint, the company then replied  ( after nearly 4 weeks ) and said : " After reviewing your request we were unable to find a change in your situation, or unaddressed concerns. Given this circumstance, weve closed your reques ''. However the fact is that the entire complaint was about an 'unaddressed ' concern. If the CFPB is going to go through the trouble of having this website, it should not allow companies to blantantly lie in their responses to clearly communicated requests. If so, what is the point of the site in the first place? So, I guess I 'll try again, and this time, I 'll even be more clear ( as if that  's possible ) : Dear BOA, HERE IS MY SO-CALLED 'UNADDRESSED ' CONCERN : you have failed to answer a simple question regarding BOA  's ownership of my note and mortgage, OR the j udgment debt that resulted from the alleged default on my home loan. HERE IS THE 'YES OR NO ' QUESTION ONCE AGAIN : HAS BANK OF AMERICA  XXXX  OR ANY OF ITS SUBSIDIRARIES, EVER OWNED THE NOTE AND MORTGAGE THAT APPLIES TO AND SECURES THE LOAN ON MY HOME, OR HAS BOA EVER OWNED THE JUDGMENT DEBT RELATED TO SAID L OAN? For the purpose of answering this, I 'm NOT asking if BOA has ever 'serviced ' said loan. I understand you have already answered that you have not. Please do not treat this as a similar request. It is not. Please answer the simple question above with either a 'yes ' or a 'no '. If yes, please provide specific details as to when the note and mortgage were acquired, and if BOA  continues to own said note.
Product: Checking or savings account

I want to document that Chase does not properly process deposits during Thursday night processing. I notice on multiple occasions where Id send an electronic deposit as an XXXX  XXXX to my Chase Checking Account Wednesday and Thursday by XXXX XXXX and the deposit will not be processed till the following Tuesday. 

Yet, Chase allows withdrawals on my checking account to be processed on Friday and even Saturday. Followed by NSF notices and fees. 

Chase Bank purposely does this so they can rack up on NSF. Chase clearly states deposit transactions available as soon as it is received by the bank, this is false. 

This is to clearly document Chases practices including practices that purposely and intently forced customers to be charged NSF fees.
Product: Student loan

I went to XXXX XXXX and 2015 and I was not told that I had four accounts I was promised employment afterwards and I was provided incomplete information about the loan
Product: Credit card or prepaid card

On XXXX I used my CHASE CARD SERVICES to book a condo for XXXX. 
On XXXX I received an email from the merchant XXXX XXXX XXXX  that my reservation had been canceled but they were offering me credit for a future purchase. I was still going and had to have a place to stay so credit did not work for me. After trying to contact the merchant on XXXX and XXXX with no call back I then tried calling Chase to dispute the charge. I called for several days but due to Covid the wait times were 3-4 hours each time I called. Unsure if what to do, I went online to dispute the charge. There were drop down selection to chose so I selected did not receive merchandise. It then asked me for the dates I was supposed to receive the merchandise and it woukd not allow, e to continue because the dates were in the future. I was disputing in XXXX because the merchant canceled but my reservation was for XXXX. Therefore, it would not allow me to continue. Confused on what to do, I went back and selected the next best option which was canceled a service. Then, in the comments section went into very specific details. I explained that the merchant canceled my reservation, not me. 
On XXXX I received a letter stating that that Chase had considered the charge valid. Confused again I called Chase on XXXX to get answers. The representative told me that because I had selected that specific drop down box that my claim was automatically denied. She Said that I should fax in writing asking for Chase to refund open my claim and explain what I had explained to her. She stated that she could not see any comments that I had wrote. 
On XXXX I faxed Chase very detailed information including all emails to and from Merchant and call logs proving that the merchant WAS the one who canceled the reservation. Not me. 
On XXXX received a letter from Chase stating that they were still deeming the charge valid due to no billing error occurred. Frustrated and upset I called Chase again on XXXX. I spoke with a supervisor ( XXXX ) who explained to me that although he could clearly see my proof that I did not cancel, my claim was automatically denied again due to my first drop down box. That it could not be changed. That no matter how many times I wrote, called in, and proved all information was correct there was nothing he could do. He said he understood why I was upset but that I should have selected the correct drop down. We argued back and forth and I explained again that I couldnt select the correct one because it would not allow me to put the dates in. I asked him why did it have a comment section if they didnt read the comments. He stated he couldnt see any comments. THIS IS A LIE. I was extremely detailed in the comments section. To top it all off he then said theres nothing he can do because the time limit for them to fight the merchant had passed AS IF THAT WAS MY FAULT but to feel free to write in again!!! ( Although, it would just be automatically declined )
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that an account was not reporting accurately. I had one late payment on an account that it was in fact paid on time. The consumer reporting agencies have need to report all information with the correct accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/2024 ). I'm now requesting for you to investigate and provide verifiable proof with records showing that I had late payments. if this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

I received a debit ATM Visa card from M & T Bank today XX/XX/XXXX. I do not have any funds at M & T Bank. When I called they said someone tried to open an account under my name. They closed the account. They told me that someone has my personal information and tried to open a bank account with that information.
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. 

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 XXXX 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 : 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: Vehicle loan or lease

SETF payment failed in XXXX. Due to my my husband during on XX/XX/XXXX and a cluster of other bills I have been struggling financially. Then Covid happened. I asked Toyota for relief and the did give me 2 months but apparently there was a XXXX payment that said was XX/XX/XXXX payment that did not go through and failed. I have told them my husband died and I adopted my granddaughter due to her mother XXXX due to a car accident. But they said no and turned me into the credit bureau.i have made good on my payments and trying to rebuild my credit. I am XXXX XXXX  and trying very hard to rebuild my life and credit without bankruptcy. I am asking for help. 
My granddaughter I adopted mother was was in the XXXX XXXX but was hit by a drunk driver in XX/XX/XXXX. She was XXXX  and died in XX/XX/XXXX. After my husband died I adopted my granddaughter. I am not looking for a hand out but a hand up!! Thank you XXXX XXXX
Product: Debt collection

Lanier Collection Agency has been contacted regarding XXXX debts for the same amount {$1200.00} that appear on my credit. I have disputed these discrepancies Several times. When I ask how they verified the debt I get the run around. I spoke with XXXX and I told her to verify the info since she knows its mine. And she refused my answers and proceeded to call me a liar and tell me I am being untruthful and she will be requesting my personal info from the original creditor. I explained to her that at the point of reaching out to their offices my next best option was to file a complaint. This is my 3rd time telling them this is not my debt and they have yet to produce anything or send anything proving to me. They just keep calling. I am a single mother who left a XXXX XXXX situation. I dont have alot of resources and I work XXXX jobs to make ends meet. The area I live in isnt safe and the cost of living keeps creeping up. So I would appreciate this debt being removed from my record as it is not mine and all it is doing is hindering me from bettering my life for the sake of my children. Please assist me with putting this matter behind me and having this company stop harassing me over XXXX debts that are not mine.
Product: Money transfer, virtual currency, or money service

Hello, I planned to collect the inheritance from XXXX XXXX, But Lawyer XXXX XXXX asked me to pay State Tax to the Manager XXXX XXXX I followed her I paid in the account of XXXX XXXX about $ $ XXXX with the receipts finally, I discovered he was a Tax-fraudster I reported to XXXX to arrest him, refer to my attachments with this message. 
And Lawyer XXXX XXXX, XXXX XXXX XXXX and Chief Leader were con artists to devise deceptive schemes to defraud and appropriate my estate.
Product: Debt collection

Bank XXXXXXXX some one apply for that account its not mine.I never get a credit card the card is in some body else name. I dispute in the XXXX, XXXX and they remove from the report but XXXX XXXX refused to move the account for over XXXX year and half. Can someone help me with them when they open? XX/XX/XXXX XXXX
Product: Mortgage

At XXXX XXXX  on XX/XX/2018 I was advised by XXXX after dialing in to XXXX that he could not process my mortgage payment for me. While Wells Fargo has repeatedly lied to you about my case which involves their breach of federal and state law and has nothing to do with my mortgage directly XXXX told me that he can not take my payment for XX/XX/2018 BECAUSE of the lawsuit I filed against Wells. In fact and as a matter of law parties to civil litigation in California may freely interact without regard to their status as litigants ( XXXX XXXX, CA XXXX XXXX ). My lawsuit against Wells is available on XXXX ( XXXX ) and is filed in the XXXX XXXX of California. It is incomprehensible that the simple processing of a mortgage payment has been delayed because Wells Fargo is literally playing games because I had the audacity to sue them for breaking the law. This is absolutely unacceptable and I will also be notifying the media AND my elected federal representatives. You need to DO something this time to make them pay for being willfully ignorant.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX To : XXXX, Clarity, XXXX This IS NOT A DISPUTE : This is a rather a request for a Method Of Verification where the following items should be provided to ensure the validity of the item ( XXXX ). 

This is also a Identity Theft Issue. 

( Please Provide ) XXXX. The name of the court representative you spoke with. 
XXXX. The Court address and telephone number. 
XXXX. The person 's name they verified the dispute with XXXX. The documentation used to verify the dispute. 

( Method Of Verification For ) XXXX XXXX XXXX Mississippi ( XXXX ), Docket No XXXX & XXXX & XXXX ( XXXX XXXX XXXX For XXXX XXXX XXXX XXXX Mississippi ( XXXX ) Docket # XXXX ( Method Of Verification For ) TX Attorney General XXXX Support acct # XXXX XXXX XXXX XXXX XXXX A. XXXX I have the right to privacy. 
XXXX XXXX Section XXXX, Sec A : it also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer agency XXXX make any consumer report containing any of the items of information. any other adverse item of information, other than records of convictions of crimes which antedates more than XXXX years. 
XXXX XXXX XXXX ( A ) ( XXXX ) A persona shall not furnish any information relating to a consumer to any consumer reporting agency person knows or has reasonable cause to believe that the information is inaccurate. 

A victim of identity theft, the information listed which appears on my credit report, does not relate to any transactional that I have made. It is the result of identity theft. This is why I am requesting A Method Of Validation. 

I have requested validation several times, and I continue to receive a letter stating verified without the information I'm requesting. I'm simply trying to get to the bottom of this inaccurate information. 

Attached is a letter from the Courts Of Mississippi that states they are not Furnishers Nor Are They Verifiers, so therefore I am asking who did you verify this information with. I'm producing my letter written directly to me ; so what letter of verification to you have?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the re-insertion of accounts on my credit report that were previously disputed and deleted. The account have been reinserted without the proper notification or communication as required under the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C. 1681i ( a ) ( 6 ), which mandates that a consumer reporting agency must notify me when an item is reinserted into my credit report. 
Furthermore, I believe this action may violate my rights under 15 U.S.C. 1681b, which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy. For your reference, I have attached a partial copy of my credit report showing the erroneous account that has been reinserted. I kindly request that the CFPB investigate this matter to ensure compliance with these regulations and to uphold my rights as a consumer. I appreciate your attention to this issue and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my report : ( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX  Account # - XXXX This Account was charged off on the following date : XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment History. after an account is charged off, there should be no update in the payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly on two occasions and your neglect has violated my rights. Please delete this Account off of my credit report! 

Account XXXX XXXX XXXX Account # - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint regarding a fraudulent item on my credit report. My report shows a XXXX credit card account with a balance of more than {$3000.00}, which appears to have been opened in XXXX and then charged off in XXXX. I have no knowledge of this account, and did not open it! The account shows dozens of on-time payments over a length of time, but who made those payments? I did not open this account and certainly didnt make any payments. 

I want this account removed from my credit report. I filed a dispute, but no changes have been made. This is not my account, nor have I ever had a XXXX credit card. 

Surely some kind of investigation could be done to find who who opened, used and temporarily made payments on this account. Please advise me on how to resolve this error, as its negatively affecting my credit report. 

Thank you, XXXX XXXX