23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Select Portfolio Service and XXXX XXXX XXXX are debt collectors who has for the last three years lodged threats to physically arrest, cause harm, seize, dispossess, disable assets and other personal property of the Consumer, his estate and family. SPS and XXXX has manufactured, fabricated, counterfeited monetary instruments bearing the consumers Identity without authorization and consent. Identity Theft is a crime and thus has been reported to the FTC and Home Land Security by complaint. SPS and XXXX was ordered by the Consumer to Cease and Desist all physical, terroristic threats against the consumer, but has only increased its criminal harassment and has filed multiple non-judicial actions in incompetent court who lacks jurisdiction over federal question. XXXX has misrepresented the face value of certain foreign instruments bearing the consumers name by more than $ 350XXXX. XXXX attempts to benefit illegally from the consumers identity on forged instruments they are not entitled too. XXXX and SPS poses a serious physical harm to the consumer and the consumer feels threatened that it will continued to be imprisoned and arrested by its illegal, unlawful acts. 
BWW is sole driving force behind the assault of the consumer and fails to respect the sovereignty of the consumer defined in XXXX XXXX XXXX. The federal and constitutional laws XXXX and SPS continues to violate is of significance. XXXX appears to disregard the preemption, Supremacy a consumer has over any state laws. Yet, XXXX acts as if it above federal law while engaging in interstate commerce for illegal purposes. XXXX and SPS was Ordered to pay actual damages in the amount of XXXX Dollars pursuant to 1692XXXX XXXX. This Administrative Action is to document and record with the consumers federal Agency, the Decree issued in compliance with the sovereign power inherent in the consumer to govern its debtors. XXXX and SPS must file a timely response which must be in accordance with the FDCPA, 1692 ( c ) ( c ) ( 1 ). This Foreign Judgment of the consumer will be enforced by Judicial Review in a duly constituted court, if the consumers demands are not met. XXXX and SPS must immediately cease misrepresenting a Trust, Deed or other arrangement with the consumer, as such relationship does not legally and lawfully exist. Even if it did, it is, now, and previously terminated with prejudice.
Product: Credit reporting or other personal consumer reports

I am writing to formally state that all recent inquiries made by these companies are not authorized and are unknown to me. Upon reviewing my records, I discovered several inquiries I did not initiate or approve. 

I want to bring this matter to your attention to ensure it is documented accurately. I request an immediate review of my credit inquiries records to confirm the unauthorized nature of these inquiries. Please take the necessary steps to rectify this situation and cease any further unauthorized inquiries on my behalf. 

If there are any additional steps required from my end to address this matter, please provide guidance. 

Thank you for your prompt attention to this concern. I appreciate your cooperation in resolving this issue. 








Hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX is trying to collect on a debt that is the was result of identity theft. 
XXXX XXXX XXXX  was sent may letters telling them that this account was opened through the result of identity theft. 
This debt is not owned by anyone in this household. 
Also XXXX XXXX XXXX was told that the account was the result of identity theft.
Product: Mortgage

I am a 3rd party Mortgage Broker attempting to obtain a payoff for our client who has an account with Ocwen Loan Servicing LLC. We frequently struggle to obtain payoff information from Ocwen within a reasonable amount of time, however, this is our first complaint. As per Regulation Z, a servicer is required to provide an accurate payoff within 7 days of the request. So far, Ocwen has taken 22 days for this request and has projected at least another month before a payoff can be provided.
- Our first attempt to order a payoff was on XXXX XXXX, 2017, we provided our client 's signature authorization, account number, and projected payoff date. We received a written response on XX/XX/XXXX stating a new request is required and the new request must contain the appraisal due to the type of account ( Original Loan was modified to an Equity Share Arrangement ) OR, they may simply use their own Broker Price Opinion.
- A new request was submitted on XXXX XXXX, 2017, including the appraisal, customer 's authorization, account information and projected payoff date.
- On XXXX XXXX, 2017, a call was placed to Ocwen to ensure the request was received. After verifying the customer 's information, we were informed that Ocwen is not authorized to talk to us about the account until the borrower 's signature authorization was validated which will take 2 days.
- On XXXX XXXX, 2017, another call was placed to Ocwen, all information was again verified, and Ocwen still would not answer any questions regarding the account, or regarding whether they received our request for a payoff quote. Ocwen advised us that the customer had to call them to validate the signed borrower 's authorization before they could speak to us.
- On XXXX XXXX, 2017, the customer called Ocwen and gave verbal authorization to speak to our company.
- On XXXX XXXX, 2017, a call was placed to Ocwen, XXXX, ID # XXXX stated the customer did not authorize us to speak to them on his behalf. So, a conference call was made with the customer, who again authorized Ocwen to speak with us. While on the call, the customer verified his information and XXXX advised he did actually see that the customer made the authorization on XX/XX/XXXX, but it was not for our entire company, only his Loan Officer. Once the customer disconnected from the conference call, XXXX advised us that in order to obtain a payoff, we must speak to the relationship manager, XXXX XXXX, who 's schedule is so full, he can not talk to us for at least another month.
- The client is current on his mortgage payments with Ocwen, and the refinance loan that our client applied for will save him nearly {$900.00} per month on his mortgage payments, however it is required that his Ocwen account is paid in full.
Product: Checking or savings account

My wife and I went to First Citizens Bank at XXXX XXXX XXXX XXXX, XXXX, VA XXXX to cash a Due Diligence check that was drawn on that bank. It was made out to my wife and I for $ XXXX. We presented valid IDs, the check was valid and filled in correctly. The XXXX woman behind the counter who is clearly XXXX, refused to cash the check and said they had to contact the account owner. Nowhere is this policy posted, nor was she able to provide the written bank policy or even quote which policy she was referring to. After I became upset, I left and my wife calmly attempted to open an account at which point the incredibly XXXX XXXX woman refused to open an account. I expect this bank and their fraudulent, highly illegal activities to be stopped, fined and frankly shut down for conspiracy to commit fraud.
Product: Student loan

I contacted Mohela about my Federal Student loan being in forbearance due to My Borrower Defense Application School : XXXX XXXX XXXX XXXX XXXX ( The ) was Approved of Borrower Defense Case Under Exhibit C of the Sweet v. Cardona Settlement, which I received a letter and email on XX/XX/XXXX confirming my approval for discharge of my student loans. Therefore I should be under forbearance and the interest should also completely be stopped until I receive relief. Mohela has taken my federal loan off forbearance which is a violation of the settlement agreement. I contacted Mohela and they informed me to contact the Borrower Defense Hotline at XXXX. I contacted Borrower Defense, which they have informed me that federal loans are to be in forbearance and let me know to fill out a General forbearance form to the Federal Student Aid. which I have done so far on XX/XX/XXXX. 

According to the Sweet settlement, the Department of Education will do the following : discharge your federal student loan ( s ) taken out for your enrollment in the XXXX XXXX XXXX XXXX XXXX ( The ) ( " Relevant Federal Student Loan ( s ) '' ) ; provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ). This was to be completed before or on XX/XX/XXXX, Which the loan Server Mohela, Federal Student Aid, and the Borrower Defense failed to complete the settlement agreement by court order to discharge my loan, remove credit reporting of the loan, and refund payment made on the loans.

Main Concern : ( 1 ) Failure to effectuate relief by the applicable due date.

( 2 ) Violation of assurance regarding forbearance or stopped collection status.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute on XX/XX/22 online, which came back " validated '' I redisputed requesting a thorough investigation as the collection account was listed multiple times with different amounts. This was a violation of the FCRA. I received a letter from XXXX that the information of the XXXX should be removed due to reinvestigation or retention had expired. MG credit then re-added the collection account with a new charge off amount of {$1200.00}, with no additional certification provided to me as required by FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts are still on my credit history after contacting the credit bureau. They have the incorrect status and account balances. 

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

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX
Product: Consumer Loan

I have an auto loan through consumer portfolio services. In XXXX XXXX, my husband lost his job and we are no longer able to afford this loan. CPS offered to defer some auto loan payments and I declined. I advised a voluntary surrender was best for my situation. I received a notice in the mail yesterday, CPS processed a due date change moving my payment out 30 days and extending the loan even after I advised I ddi not want this to happen. It appears in XXXX CPS was fined for unilaterally modifying contracts and other illegal business practices resulting in them paying the FTC XXXX XXXX in fines and penalties. I believe the practice I described above is continued unilateral modification of contracts without my consent. On XXXX/XXXX/XXXX, I called CPS and spoke directly with a man named XXXX XXXX at XXXX ext XXXX or direct number of XXXX who advised he would forward my file for voluntary surrender. I have attempted to contact this company regarding the " due date change '' they claim they processed on this loan to no avail.
Product: Checking or savings account

I Opened Capital One CD on XX/XX/2023 with {$600000.00} deposit. 
I am already a Capital One customer. I have a credit card with a {$35000.00} credit limit. 
Capital One did not fund the CD until 14 days after I transferred the funds. Customer service informed me that there was a " hold '' on the electronic transfer. 
I need to log in to my account in order to add 3 beneficiaries to qualify for FDIC insurance. Without the beneficiaries added, only {$250000.00} is insured. 
Capital One will not let me access my CD online- the site says I must call XXXX which answers with " Capital One Customer Protection Resolution Team '' Calling that number I learned that Capital One requires me to send them photos of my ID using a smart phone. ( This was NOT a requirement when I opened the account, so I feel like I am being blackmailed, while having my funds at risk. ) I do not own a smart phone and had to borrow one to complete their verification requirement. 
Capital One received the photos fine ( the rep on the phone confirmed receipt ) but I was told that the " computer '' could not read them. I was also told that I could not access my account until I " verified my identity ''. 
I can only try to upload my photo twice per link sent to me, then I get locked out for " too many attempts '' and have to call back to get a new URL to try again. 
I tired uploading my ID 5 or 6 times, with both my Driver License and my US Passport, to no avail. 
When inquiring about how else I could verify my identity, I was literally told to drive from Florida to XXXX, Maryland to show my ID to a bank representative! 
Reps also told me they could not update my beneficiaries for my because not even THEY could access my account until I was approved by " risk management '' I am so upset with this situation now, that I want to close all of my Capital One accounts. 
I communicated my desire to close my accounts and was told that I can not close my account, or get my money back, until I successful upload my ID. 
I have 2-3 hours of recorded calls as well as screen shots of the web site. Multiple reps admitted to me that others have had the same problem that I was having.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE DISPUTED THIS INFORMATION MULTIPLETIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT AND THIS INFORMATION IS IN RESULT OF THAT, XXXX XXXX # XXXX AND XXXX # XXXX. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS XXXX MORE THAN 30 DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT VIOLATION. UNDER 15 U.S CODE 1681B- PERMISSIBLE PURPOSES OF CONSUMER REPORTS ( A ) IN GENERAL SUBJECT TO SUBSECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED.
Product: Mortgage

My experiences with Shellpoint ( recently rebranded from XXXX XXXX ) are a contiuing source of fruatration meant with deaf ears from the company. 

I pay my mortage ahead of time, usually anywhere from XXXX to XXXX week. In addition I often frequently make an addiitonal payment to be applied to the principal. 

This company 's system shows that the payment is being made for the appropriate month ( say I'm making a payment XX/XX/XXXX for the payment due XX/XX/XXXX ). However it does not actually apply them this way... instead it ends up in some limbo account and I have to send e-mails asking them to correct the error. 

They promise a response within XXXX business days but it reality it's sometimes XXXX or XXXX. In the most recent case it's been over a week and I still don't have an e-mail reply. I've called twice and both times the rep said it would be fixed but it still hasn't happened I make my payments ahead of time... never missed a payment. I feel liek this company is genuinely try to delay payments showing properly so they can generate extra fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX  2013   , I began contacting  NelNet to learn more about the pros/cons of requesting a forbearance. When I decided it was right for me, I requested to put the forbearance in place. At the time, I had auto pay setup also to ensure that my payments were not late. NelNet either switched auto-pay systems or upgraded, I do not  recall. I do recall inquiring about it with a customer service rep that informed me that my details would transfer over, no need to worry. Months later, I recall receiving mailings and calls offering student loan payment assistance. However, every t ime I called NelNet, the cust omer service rep would tell me that my balance was  XXXX . I received another round of calls/mailings offering assistance, called  NelNet " balance   XXXX   ''. Several times, I did this. I suspected that  the calls/mailings were some type of identity theft issue, like the kind  XXXX   XXXX  and   XXXX   XXXX   XXXX   previously contacted me about in relation to my cards with those respective companies. By the time we got to the point where I was told the customer service reps were 'looking at the wrong screen ', damage to my credit had already been reported ; however,  NelNet sent me an approval letter for my forbearance request covering the exact timeframe they reported adverse payment details to the credit bureaus.   < P/>
I was so exhausted dealing with NelNet, and in disbelief that they would not correct/reverse the erroneous report { to the credit bureaus }, I did not know what to do.   I did  not know who to contact for help, how to get help, or if anything could be done. Until I looked into the CFPB last year. I thought too much time had passed to fix it, although it bothers me that this is the only blemish on my credit. All other  XXXX  accounts, of various types, over 20+ years no late payments! Please help me fix this error. Over   XXXX   XXXX  , I was clearing out a box of documents to shred and came across the forbearance approval letter from NelNet. Once again, I am hoping to correct this error to ensure that my credit score is updated to accurately reflect my character and to demonstrate the seriousness and responsibility I apply to paying all of my obligations on time and in f ull.
Product: Mortgage

Hello, I am applied for refinance back in XX/XX/XXXX and it took them til XX/XX/XXXX to process my loan refinance application. During the last stage they failed to notice I am in forbearance since XX/XX/XXXX and I paid that amount back to the original lender. I provided the Investors bank many copies of paid off letter and they canceled my loan application because they are stating I failed to provide documents. They have never requested these document prior to loan processing and it was always reported that I was in forbearance in the credit report. They have failed to recognize that In the report. I have spend so much time and money on the refinance. They are refusing to process the application because the rates went up and they will lose money because I was locked in at lowest rate back in XXXX. 

Sincerely XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( XXXX ), filed on ( XX/XX/XXXX ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

I recieved my XXXX  credit report and noticed XXXX unauthorized/fraudulent credit inquiries. 

I recieved my XXXX credit report and noticed XXXX unauthorized/fraudulent credit inquiries. 

I recieved my Experian credit report and noticed XXXX unauthorized/fraudulent credit inquiries. The only valid inquiry is from XXXX.
Product: Prepaid card

My account has been closed but company refuses to reimburse {$120.00} in gift card balance still remaining in the account.
Product: Debt collection

I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in XXXX XXXX XXXX XXXX XXXX XXXX, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer of 20 % of basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an inquiry to Early Warning which keeps track of peoples personal bank accounts. This organization tracks every single transaction made in a bank account. They have never disclosed that they are doing this nor did they ask my permission to do so. When I tried to get a freeze they denied me quoting section of the FCPA 603 ( x ) saying they are a special agency and they don't have to follow the FCPA.