23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a Claim of continuous XXXX violations pursuant to FDCPA 15 U.S. Code 1692e - False or misleading representations, XXXX Unfair Practices, violations of XXXX Georgia statute of limitation and XXXX Section XXXX fraudulently naming a fictitious secured creditor to facilitate a unlawful non-judicial foreclosure : These violations require urgent attention by the CFPB Administrative Tribunal in that the continuous nature of the deceptive acts are in defiance of state and federal laws and regulations and is causing severe harm to us. 

1. I incorporate by reference Complaint # XXXX as if stated verbatim herein, and ask this Administrative Tribunal to take Judicial Notice of the evidentiary Exhibits cited in paragraph XXXX of the referenced complaint. Whereas, SPS Inc. in its response to the Complaint cited above failed to deny, dispute or even mention the Exhibits proffered as proof that the account was charged-off and closed by XXXX on or before XXXX XXXX, XXXX, long before it was sold to SPS Inc. in XXXX. See XXXX ( charge-off ) then see XXXX ( account closed ), then see XXXX ( date relevant to when account was sold ). 

2. SPS Inc. filed an electronic response with this agency on XXXX XXXX, XXXX, and also response to me by way of U. S. mail on XXXX XXXX, XXXX. The response included XXXX ( + - ) pages of loan account documents that are void by operation of law, thus irrelevant, immaterial and unenforceable, and can not be the bases for a non-judicial foreclosure. 

3. the documents SPS Inc. sent in response to case # XXXX are void because the account was charged-off and closed by XXXX on or before XXXX XXXX, XXXX, as evidenced by the exhibits cited in paragraph XXXX of Compliant # XXXX. 

4. SPS Inc. written response sent to me by way U.S. mail on XXXX XXXX, XXXX is meant to, and does exclude the CFPB from examining the Notice of Sale Under Power. Select Portfolio Servicing Inc. and XXXX XXXX, XXXX are using void, documents and instruments yet again, to make the representation and implication that seizure, attachment, or sale of our property in a non-judicial foreclosure sale is imminent unless a loan modification or short sale is agree too by us - although no security interest in our property exist. The unlawful foreclosure sale is scheduled for XXXX XXXX, XXXX. See EXHIBIT-L, SPS Inc. ( sales under power notice ). 

5. In case # XXXX I made a demand to SPS Inc. to cease and desist which was ignored, as well as the allegations made in the complaint. None of the questions raised was addressed ( not answer ), and SPS Inc. and XXXX XXXX XXXX. has, as of XXXX XXXX, XXXX failed to cancel the pending unlawful non-judicial foreclosure sale and send notice that the sale schedule for XXXX XXXX, XXXX is canceled. 

6. I am Requesting the CFPB Administrative tribunal to issue a order enjoin Select Portfolio Servicing Inc., hereafter ( SPS Inc. ) and XXXX XXXX XXXX from any further foreclosure action since the account has been charged-off, closed and now time barred.
Product: Debt collection

In accordance with the fair credit Reporting act Radius Global Solutions # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I was contacted by IQ Data International who 's office according to a letter I received in the mail is based in XXXX, WA. I contacted this debt collection agency to work out a debt payment plan and was put in contact with an individual named XXXX XXXX at XXXX x XXXX and his supervisor XXXX XXXX at x XXXX. I was told by XXXX sometime during the last two weeks of XX/XX/XXXX that I would only have to pay a sum of {$800.00}, and this conversation and all others I was notified by XXXX was being recorded, I first made a payment of {$200.00} and two weeks later made a payment of the remaing {$600.00} over the phone. XXXX XXXX had me give my Debit Card information and security code to him over the phone to arrange the payment, unknown to me IQ Data International had already charged my account almost {$600.00} in the form of a check that same day. I unknowingly paid DOUBLE the amount I initially agreed to and was not notified that this circumstance had transpired until my card was declined at a convenience store while I was trying to buy my child supplies and gas for my car. I have made numerous attempts at contacting IQ Data International and have received absolutely no word at all and no one has made any attempt at resolving this issue with me. At current standing my bank account is overdrawn $ -XXXX. This is absolutely unacceptable. I would be glad to let them keep the agreed upon payment of XXXX XXXX if they will refund me the other {$600.00} plus a {$35.00} overdraft fee. I have already contacted the BBB and filed a complaint, I will continue to report this issue to every department of the Federal Trade Commission, Offices for Consumer Protection, and the Trade Commissions and Attorney Generals Office of Washinton State until my funds are returned and this issue is resolved.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuation of XXXX. 
I wrote Equifax showing them their own website, XXXX, shows my XXXX Score XXXX score as XXXX, the same as XXXX and Bank XXXX XXXX, but they are still reporting my XXXX Score XXXX score to XXXX XXXX as only XXXX ( letter attached ).
Product: Mortgage

On XX/XX/XXXX I spoke to 5/3rd Bank representative and chose deferment option for my loan ( Covid 19 ). I was told that 18 months of missed payments wold be moved to deferment and I would resume payments starting XX/XX/2021. 
On XX/XX/XXXX, XXXX, I received a Deferral Agreement, wtih conflicting and confusing information, stating on page one that I must make a payment on XX/XX/XXXX, and then lower on the page that I will have 19 months of payments deferred and that I have to make a payment on XX/XX/XXXX. 
I called 5/3rd bank for clarification and was told that I am requried to make a payment by XX/XX/XXXX, but that it will not be applied to XXXX payment, it would be applied to XXXX payment, AND that she can not garantee that I dont have to then make another payment for XXXX on XX/XX/XXXX. 
Desipite of having made a different agreement wtih the Bank the day before, having 18 months deferred, it was not corrected. 
This is very concerning because my froebarance ends on XX/XX/XXXX so I want my payment to be applied in XXXX. It is also decpetive because the Bank is deferring 19 months when in reality I am only 18 months behind. It also is deceptive becuase no where in the letter is clarified what happens to the extra month payment the letter is stipulating.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items on my credit report : Inquiry XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # XXXX No Category XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXXXXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I sent the follow letters to Experian, XXXX and XXXX XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 15 USC 6802 and 16 CFR 313.7 XXXX XXXX I am also requesting the following companies stop reporting to any consumer reporting agencies on my behalf immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for TRANSUNION to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

On XX/XX/XXXX I filed a written demand set USPS Certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX  to remove the fraud alert placed on my consumer credit file. I DID NOT request or authorize anyone to place a FRAUD alert on my behalf. 

According to the companys website upon receipt of a written request they will usually remove a fraud alert within 72 hours. 
Its been more than 72 hours since the request was made and the Fraud alert remains. 

This erroneous fraud alert is being publish without my authorization written request, and has caused me to be denied credit. It is of an urgent nature that I am requesting your assistance in have this unauthorized fraud alert removed. Additional I would like the credit bureau to notify each company that has conduct a hard pull of my credit within the last 30 days that the alert has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

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

15 U.S.C 1681 section 604 A. section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complain about my phone number being added to credit Bearer Experian. 

I'm having problem getting accepted for credit cards which I am pretty much approved but when I call the bank they have informed me that my cell phone number is not added on the Experian credit report because there is alert on it so if there is a alert there should be a number also so that bank could call that person and verify him. 

So that's what happened I called my XXXX XXXX credit card department and they told me the reason that I did not get accepted for the credit card because I have a alert on my credit report which is Experian and there is no number attached to it if there was then XXXX XXXX credit card department could have called me on that number to verify me and I would have been approved and that was the only problem in my head so I'm trying to get in contact with Experian but when you call on their numbers it's just Automated machine talkin couldn't get hold of Representative so that I could add my cell phone number. 

So am I complaining is about Experian I want them to add my cell phone number and remove the fraud alert and also two- accounts that I have which was supposed to be removed when I contacted them by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am starting a new complaint. This is the same complaint I filed a few days ago. Im including the number here. 

XXXX Please check the file for background information. Trans Union still has not fix the problem. I still can not login to my TransUnion account and they are still not recognizing my last name and Social Security number. Then I went to the website this morning to try to login again and now Im being barred from the website. Anyhow, TransUnion claims that they fixed the problem, but they have not fixed it at all and I need to unlock my TransUnion or unfreeze it for this loan, and they still have not unfrozen it, or giving me access to my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a dispute to XXXX, Equifax and XXXX to dispute inaccurate information on my report. after XXXX  days and no response I contacted each credit reporting agency to ask if they received my dispute. They all confirmed that they did not receive my dispute even though I have proof and tracking that each company did indeed receive my dispute letters. I have attached the tracking receipt with the dates and addresses of the companies. I ask that someone hold them accountable for not taking this matter more serious I have several items that need attention on my report and it has now been XXXX months since I first started this process
Product: Checking or savings account

Citizens Bank Place A Restriction On my XXXX Profile On My Online Banking Am Not Able To Use XXXX to send money to anyone becuase of Citizens Bank Adding a restriction on XXXX XXXX in the Citizens Bank Mobile App and i contacted Citizens Numerous Time About this Issue and Customer Service they are Unable to Remove the Restriction From XXXX XXXX on the Citizens app i also step into a branch in XXXX XXXX in the XXXX and they also where unable remove this restriction from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$4000.00} XXXX : XX/XX/XXXX -- -> XXXX -- XXXX : {$220.00} XXXX XXXX : XX/XX/XXXX -- XXXX XXXX -- -> {$28000.00} XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$370.00}
Product: Debt collection

This debt is a credit card debt I believe - I never received any verification of debt. The collection company, Unifund, filed for judgment against my homestead property in XXXX. I was going thru a divorce and the death of my brother from XXXX. I just received a copy of a cause filed for notice of substitution of counsel for Unifund - I have not received any certified mail for this information. 
Texas Law under the Texas Property Code, Title 5 A provides protection for a homesteaded property against debtor claims and is exempt from this type of collection. I am requesting immediate removal and release of the current judgement that was filed in XX/XX/XXXX against the property located at XXXX XXXX XXXX, XXXX, Texas XXXX. The county records clearly indicated the homesteaded designation and the attorney for Unifund accessed those records prior to filing in court. I respectfully request immediate release of the judgement by the firm or the substitute attorney or entity who is assuming the cause. Please immediately prepare and execute the document, file it in the court and clerks office with a certified copy sent to me. I am attaching a copy of the voters registration for the property from XX/XX/XXXX thru current copy of the county records showing the Homestead exemption in place. Additionally I am sending a copy of the complaint to the Texas Attorney General Office for records.
Product: Mortgage

Our house was foreclosed on and sold on XX/XX/2011. 

This was after we renegotiated our loan with Wells Fargo, signed new loan documents with a notary and paid them {$8000.00} to catch the loan up. I went into a branch to make the first payment of the new loan and the teller said she couldnt accept our payment because our home was in foreclosure. Wells Fargo refused to accept any payments from us and eventually foreclosed on our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than XXXX days of such negative activity reporting against me. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practice, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective mesuares to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently examined my credit report and discovered accounts that I do not recognize
Product: Checking or savings account

On XX/XX/2024, I visited a self-car wash bay with a posted price of {$2.00} for the XXXX XXXX could be made by cash or credit card, and I used my bank debit card for both washes, and only slid the card XXXX time. The next day, XX/XX/2024, I returned for a second wash and followed the same procedure. When the transactions posted to my account on XX/XX/2024, both charges were {$15.00} each. I successfully disputed XXXX of the transactions, but the bank denied the XXXX  one, and I'm waiting for an explanation. I tried to contact the merchant, but the phone just rings and goes to a fax machine. Reviews online show that this overcharging issue has been ongoing for XXXX  years, and the merchant does nothing to address it. It seems to be a fraudulent practice that no one is stopping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a hard inquiry that was supposed to be removed by XXXX. I asked Experian to dispute but told that XXXX had to request for the hard inquiry to be deleted. I explained that I was requesting for Experian to dispute because XXXX claims they submitted an electronic request for the hard inquiry dated XX/XX/2019. Please refer to the letter from XXXX to the XXXX indicating they were requesting for the XXXX hard inquiry removal.
Product: Credit card

I recently received a notification from Bank of America that the credit limit on my XXXX Credit Card that ends in XXXX had been decreased from {$24000.00} to {$12000.00}, where my actual balance is above {$11000.00}. I was trying to get a fair explanation about this, and all the departments I got in touch with said they can not do anything about it. As a Customer of this institution for more than 15 years, having that credit card since the beginning as a customer, I feel really frustrated, abused and abandoned from my bank; considering they know my financial status and how much this can affect my credit score. Last year, after having an issue with an electric car that I purchased and it was financed by Bank of America, I decided to go with the Lemon Law requesting the refund of that car ; Bank of America resolved with the paid off, one month later my credit score was decreased for more than XXXX points. I just checked my credit score and it decreased XXXX points because the last decision they made with my credit card limit ( actual XXXX is XXXX ). I started XXXX with a Credit Score over XXXX points, What is Bank of America doing with my financial health? Are they trying to kill my small business?. My business was affected two years ago ( XX/XX/XXXX ) by a Customer that never paid our services ( around {$50000.00} ) and I couldn't demonstrate the missing payment because missing documentation. I can understand that after that happened, my credit utilization has been increasing, but Our business has been trying to survive regardless the affected economy we had in the last two years, so my personal credit has been helping my business to stay and not fall. Last year, I did many attempts to get a Line of Credit ( such as Home Equity or Business Credit ) but Bank of America asked me for over XXXX on my credit score, the same one they affected with the car loan paid off on XX/XX/XXXX. After that, I tried multiple financial institutions to get the same credit ( they did not ask me for the XXXX ) but all of them responded that my income to debt ratio was too high. With all of that said, I've been working on improving my credit score and trying to consolidate my debt to get my finances back to where they used to be ; however, BANK OF AMERICA has done everything to take me to the bottom of the hole.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX I am trying to protect my credit file and update the correct information address and status. 
the following address are not mine and/or incorrect. Please delete/remove the following addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please remove/delete them : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX