23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern, I am writing to you again in hopes of seeking assistance and/or direction. I have not been successful in trying to workout a plan in getting my mortgage current or modified. I have REPEATEDLY sent in the docs requested via fax and email ( using XXXX different fax machines ) and EVERY follow up call I make to SPS the response is the same, " we did n't receive your docs or we received your docs but not all of them. '' I am seeking some direction. I have done exactly what was asked and I I still seem to get no where. My concerns is I will be served with a foreclosure notice and I in the process I am accruing fees and penalties. 

I have not been able to ever speak with my 'SPOC ' as she is never available. I did receive XXXX messages from a XXXX XXXX ' in the Consumer Dept. but when I return the call the office is always closed. 

Thank you for your time. 
Sincerely XXXX XXXX Dear Sirs, My mortgage is serviced by Select Portfolio Servicing, at the end of ... 












We 've sent your complaint to the company for a response. 



We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 



You should receive a status update within the next 15 days. 



You can track the status of your complaint at : XXXX. 



New CFPB mortgage rules protect borrowers and make it easier for them to get the help they need. Submitting a complaint wo n't automatically stop or delay foreclosure, but if you 're behind on your mortgage, or having a hard time making payments, call us at ( XXXX ) XXXX ( XXXX ). We can help you find a housing counselor in your area who can develop a plan of action for your situation and help you work with your mortgage company. Foreclosure prevention help is free and special assistance XXXX be available to military members or veterans. You can find more information on mortgages at : XXXX Thank you, Consumer Financial Protection Bureau consumerfinance.gov ( XXXX ) XXXX ( XXXX ) On Monday, XXXX XXXX, 2016 XXXX XXXX, Consumer Financial Protection Bureau XXXXXXXXXXXX XXXX wrote :
Product: Checking or savings account

On XX/XX/XXXX my bank ( USAA ) automatically opted me in for overdraft fees in my checking account without my permission. On XX/XX/XXXX a recurring debit pos from a gym that I don't even go to and it costs me XXXX times the amount in fees to cancel the membership was posted to my account even though I didn't have the funds in my account to cover it. My account went in the negative and I was charged with an overdraft fee. Prior to XX/XX/XXXX the charge would have been just declined. There was no mention of this change or any permission given on my part to be opted into overdraft fees. I missed the XXXX notification that was sent via email XXXX weeks prior to the change. This seems to be an attempt to take people 's money without their consent by this bank.
Product: Debt collection

I am writing this to serve as notice that the fraudulent information, accounts, inquires, and collections on the credit report This is considered identity theft based on 15 U.S.C. 1681c-2 and needs to be removed immediately. You have 4 days from receipt of this certified letter. Based on 15 USC 1681b all of these companies have fraudulently added information to the credit report without my written consent. Which we know is a direct violation of 15 USC 1681c and fcra. Also any derogatory items and remarks are not allowed and are also in direct violation. 
The accounts : XXXX XXXXXXXX XXXX XXXX ZION DEBT HOLDINGS XXXX Inquires : XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX All need to be removed from the credit report immediately, as I have the right to privacy per the FCRA and the Privacy Act of 1974. I also have the right to opt out per 1016. ( h ) states I have the right to opt out at anytime and ( g ) states that you MUST comply. Failure to respond satisfactorily within 4 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act Certified correspondence was sent to XXXX and Zion Debt holdings as well as the IRS to get this removed and at this point I will have to push forward with a lawsuit against them. XXXX currently is facing a lawsuit now. Per USC 15 1681, 1681b, 16891c-2, USC 15 1692l states that the cfpb has the right to enforce compliance in removing this fraudulent information from the credit report in a timely manner. Since I have been dealing with this with no remedy 24-72 hours is more then enough time to remove these items from the credit report.
Product: Mortgage

I am a 100 % XXXX veteran who went to my XXXX to get an tax exemption which went through. The XXXX back paid me {$10000.00}. This was back paid for all taxes I paid from the years of XXXX to XXXX. The county tax lady told me due to some problems with the check and a ex wife on the deed, that she could mail the check to Rushmore Loan Management Services and that they could not legally keep that money past 30 days. Here we are now going on two months. I am also behind on my mortgage and was expecting this money to help with several financial issues. I been calling in and calling in and all I get is lie after lie. People telling me they sent the money or that they sent the money to the title company, however when I ask for the title companies name and information they don't know what it is. 
I just want my money, and the last call I made to them made it known that they were keeping the money because I have six accounts and I have no clue what that even means. All this time over the past 2 months they been telling me its on the way. I am at my end with this company. I don't know who to even turn too. I just want what is mine. Rushmore Loan Management Services LLC. 
XXXX XXXX XXXX XXXXXXXX XXXX, CA, XXXX
Product: Checking or savings account

I am a victim of fraud. Someone hacked into my checking & savings account and transferred my money into another account. My account was cleaned out and {$4000.00} of my money has been stolen. I contacted the bank and have spoke with customer service as well as, filed a claim. The bank asked me to mail is a notarized request to close my account which was done on XX/XX/XXXX. I contacted the fraud department and spoke with them today XX/XX/XXXX and they told me that they could not help me. I can not go to a bank branch because I moved to Florida in XX/XX/XXXX. I am ensuring financial hardship being XXXX, and now no money to my name! Please help!!!.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows that on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I did not pay my car payment when in reality I did. The final week of XX/XX/XXXX, I made my car payment for XXXX, In XXXX of XXXX I made my car payment within the first week and within XXXX of XXXX I made two car payments for XXXX and XXXX. There were several times I asked for extensions due to illness which XXXX gladly gave me assuring me that an extension does not constitute none payment. There were also several times I paid XXXX to XXXX XXXX dollars more then my regular payment to pay ahead and to be current. XXXX has told me several times that I paid in full and that I have not paid late and that they would correct the mistake on my credit report. But this has not happened yet. In XXXX of XXXX XXXX tried to say i did not make a car payment which i did. i mailed the payment to them guaranteed check. they received it XXXX days later but lied and said they did not. I made an XXXX car payment at that time as a result over the phone. two months later we found out from XXXX and the bank, that they did receive my XXXX payment via guaranteed check. They applied and updated that payment and I asked them to please remove the delinquency from my credit report. They said they would but have since done it.
Product: Money transfer, virtual currency, or money service

I went to the XXXX XXXX XXXX XXXX in XXXX XXXX, California on Saturday XX/XX/XXXX to pick up a money transfer from Western Union sent by XXXX  XXXX XXXX EDD. The money transfer request was for {$4400.00} and was scheduled to be picked up by myself, XXXX XXXX. I had to send in my social security card and verify my identity in person at XXXX  XXXX XXXX before they could complete the transfer. On my California drivers license I have the suffix XXXX and XXXX  XXXX XXXX did not put XXXX  on the transfer. I was told it would be fine because they verified me in the western union system and I verified myself in person. The customer service representative at the XXXX XXXX XXXX XXXX, XXXX XXXX, completed my transfer request and right before she was about to give me my {$4400.00} she said hold on, I need to ask my co worker something. XXXX came back and said Im not gon na be able to give you the money because your ID says XXXX on it. She got on the phone with western union to cancel the transaction because she already completed it in the system without actually giving me the money. After going back and forth with XXXX and her coworker XXXX, they asked if I had any form of ID that did not have XXXX on it. I told them I did not only a credit a card. The major problem with this whole scenario is that XXXX completed the transaction in the system so it made it seem like I picked up the money when I never did. I immediately called XXXX  XXXX XXXX and they advised me to call law enforcement and make a fraud case. I have been in contact with Western Union since XX/XX/XXXX, and they have documentation that I never received the funds. I also have official documentation showing I never received the funds. Western Union told me they would do an investigation and I will have a new Money Control Transfer a number ( XXXX ) to pick up the funds. I was told it would take 24-48 hours, then that turned into 20 days. I was told it should be finalized XX/XX/XXXX. Well that day came and went and I still have not heard anything whatsoever. Western union has talked to the store already, they know I never received the funds, but they are just dragging their feet on giving me my money. I then got told itll be finalized in XX/XX/XXXX and then I never received a notification again and when I called I was told itll be another 24-48 hours. I keep getting the run around and I just want my money. I did this emergency cash transfer to pay for bills and I have been unable too since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I just checked again my TransUnion, XXXX and XXXX credit reports and I can see account reporting inaccurately. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see attached file below
Product: Debt collection

This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have recently placed a collection on your consumer report. I have previously contacted them to fix these issues directly but they have not done so and they are violating my rights and I'm entitled to {$1000.00} for every violation I listed. They either need to pay me or delete these accounts ASAP.
Product: Credit card or prepaid card

I received a credit alert that someone opened a new credit card in my name fo r BP gas stations.  I previously had a card for this back in high school, but this was closed years ago ( probably around 2011 ). It was recently re-opened and sent to my parents house, despite there being no request for a new card. As a result, my credit score has been lowered and it now shows I 'm carrying debt related to my parent 's credit card.
Product: Credit reporting or other personal consumer reports

I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries show on my credit report. I have not directly contacted any of these companies. I have been a victim of identity theft, and all of these are likely attempts to open an account under my name. I have had a credit block placed once, but it seems like it has expired around mid XXXX at which point these inquiries started again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked all 3 credit bureaus to remove incorrect addresses from my credit report and they have not done so as of yet. I am extremely concern by the fact that they refuse to remove those incorrect address as they may put my file in jeopardy of being subject to identity fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I filed a complaint and dispute with Afterpay US Services LLC, an international payment platform engaged in the " pay later service. '' Per their installment agreement complaints and disputes that arise out of or related to the agreement should be filed through XXXX. My complaint and dispute was in regards to a merchant that I placed an order with on XX/XX/2021. The payment method for the order was through Afterpay. In my compliant with Afterpay I noted that I had received a damaged order from the merchant and had reached out to the merchant for return instructions and a refund. However, the merchant failed to provide a return label. As a result, I was gong to have to pay {$76.00} on my payment due date of XX/XX/2021. On XX/XX/2021 I received a response from Afterpay stating, " your Afterpay payment plan remains in place, we are not able to adjust your payment schedule on the basis of longer than expected delivery. '' The response from Afterpay also failed to indicate if they attempted to reach out to the merchant for a response. It appears that was not done. On XX/XX/2021 I contacted Afterpay and indicated that the basis of my dispute was not due to " longer than expected delivery '' but had clearly indicated the merchant was failing to adhere to their return policy and did not honor the issuance of a return label. On XX/XX/2021 I received a response from the merchant that a return label would be sent to me on XX/XX/2021. Mysteriously this was the same date my installment payment was due. It appears the merchant deliberately stalled the issuance of a return label in order to fraudulently collect funds that were in dispute. As an international payment platform Afterpay does not provide a claim process in which consumers are allowed to file a complaint against a merchant. Having such a process would allow for an investigation and response from the merchant. Instead, consumers are forced to make payment and pay for goods they aren't keeping dispute evidence that merchants have failed to adhere to their return policy.
Product: Debt collection

I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify? Copies of what they sent me proves they have no proof with the Fair credit reporting act section 609
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Vehicle loan or lease

we have car that has a lien on it from BB & T bank. the lien has been paid off since 2014 and we have bought the car they refuse to release the lien even after calling for 1 month the car has been sold and they still the refuse to remove the lien
Product: Student loan

I have emailed them and received an reply on XX/XX/XXXX stating that they can't help. I am in school and trying to make payments through my bank automatically. They keep applying them to my closed loans ( Fully Paid ) and not my current loans. So in turn I am being charged more money on the compounding interest when my payment is being set into an account with XXXX   balance instead of the account with an balance. This is completely unfair as a consumer doing my best to pay off my loans and not be in debt they are taking more and more money because their " system '' is mis-categorizing my payments. They said that I need to email them every few months and they will transfer the money, that will leave a few months of interest compounding on more interest which leads me to being charged more money.
Product: Credit reporting or other personal consumer reports

I SENT NOTICE TO COMPANY ABOUT A DISPUTE WITH 3 COMPANIES REPORTING COLLECTION AND CALLING MY PHONE ABOUT A DEBT THAT SHOULD BE REMOVE FROM MY CREDIT REPORT AFTER INTIAL COMMUNICATION OF REPORT WAS REQUESTED INVESTIGATION FOR VALIDITY OF OBLIGATION. I NEVER RECIEVED INFORMATION REQUESTED OR ANY RESPONSE AT ALL WHICH IS VIOLATION OF SEVERAL CODES IN THE FAIR DEBT COLLECTION PRACTICE ACT INCLUDING 1692C, F, G, H OF THIS ACT
Product: Money transfer, virtual currency, or money service

Unauthorized transactions occurred in my cash app account, resulting in funds being stolen. No proper channels to report fraudulent activity. I have yet to receive a refund or resolution. This situation has caused significant inconvenience and financial distress.
Product: Debt collection

Portfolio Recovery is responsible for violating multiple of my rights according to the FDCPA. I have sent Portfolio Recovery a notarized Affidavit of Truth with documented proof of their violations according to the FDCPA. According to 15 USC 1692B and 15 USC 1692F this company has repeatedly violated me and I am well within my legal rights to sue this company due to their repeated refusal to comply with the Federal laws they are obligated to abide by. After sending my Affidavit I received another phone call from an agent of this company attempting to collect this alleged debt, which is another violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my credit report that is negatively affecting my credit, request all inaccurate information be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX XXXX  VA XXXX XXXX XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX SERVICES XXXX Recovery Operations -XXXX  XXXX XXXX XXXX this company then illegally sold my information to another credit company in the process of these letters being sent ) -SELF / LEAD BANK -Attorney General-Child support -Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The letters that were sent out are as follows : dispute letter XXXX XXXX mailed on XX/XX/XXXX and received XXXX XX/XX/XXXX XXXXispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter XXXX -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # XXXX mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuit of the Fair Credit Reporting Code 15U.S. Code 1681c-2 ( A ) I am requesting that Experian delete the false information they are reporting. I have submitted information regarding that these accounts are the result of identity theft and Experian Continues to report items as valid. I am also exercising my right to privacy in that I have not given Experian my permission, nor the furnisher of the information to report this information. I hereby revoke any insinuated permission to report these negative items on my report. In addition, I am including the proof that I have placed an identity theft report on my file. 

The Items I am disputing are as follows : XXXX XXXXr Acct # XXXX and XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX Card Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX 15U.S. Code 1681c-2 ( A ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 15U.S. Code 1681 ( a ) ( 4 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Mortgage

I wrote to my mortgage company citing my complete compliance with all industry wide standards : i. e. an LTV of 53 %, a XXXX score in the top 2 %, no missed payments, a flawless credit history, more than 1 year old mortgage. 

I requested CCM to remove an escrow account from my mortgage with Cross Country Mortgage. This was after they attempted to increase my monthly escrow payments by 58 %. I refused to accept that amount and they lowered it to a 15 % increase. 

I then requested to waiver the escrow account, having fulfilled all the reasonable and normal requirements. They refused citing that my LTV, which is 53 % ( current loan to current market property ), by stating that THEIR calculation of LTV is based on loan to property value AT THE TIME OF THE LOAN, and it showed an LTV of 92 %. 

I vehemently disagree with their calculation, which seems to be constructed solely for their benefit of collecting higher monthly payments, and unreasonably padding their escrow account. The industry wide norm for LTV calculation in demonstrated on the XXXX website, and used by most all the mortgage companies. 

This appears to me as deceptive and unfair business practices.