23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio Servicing ( SPS ) did not address our issue. Select Portfolio Servicing failed to provide reasons as to why they placed us in false default in XXXX, and continued to service, by recorded assignment, and discharge, in XXXX XXXX - without any authority to do so. We requested correction of County filed records, that falsely provided a cancellation of mortgage, without authority, or assignment, to do so, by invalid Limited Power of Attorney. Instead of correcting the record to backdate to XXXX, SPS, continued to act as servicer, and filed a false assignment/discharge in XXXX XXXX, without the proper legal and valid authority to do so. In addition, in the process of complaints, SPS admitted that we were in default in XXXX, by assessment of false placed insurance. This is false, as we had insurance, and were not required to purchase additional insurance, and not provided with any NOTICE that any forced placed insurance had been placed. This caused our loan to be placed in false default, and " paid out '' by another entity, just prior to our refinance in XXXX XXXX, by which our payoff check was diverted, and monies pocketed by SPS, and not paid to the proper investor - keeping us in false default for years. It appears, by telephone conversation, that SPS was the entity that placed the false forced placed insurance, and falsely placed our loan in default. 
This has caused title problem issues to our property. We will file a new complaint, and continue to do so, until SPS provides all information requested, including correction of false default, name of entity that SPS sold our loan to - prior to our payoff of the loan, and the exact phone number for the entity that SPS purchased forced placed insurance against us, which caused a false default, diversion of our actual payoff monies, and destruction of our title. 
Thank you.
Product: Vehicle loan or lease

Global Lending wrongfully repossessed my car from the tow yard after I was in a bad car accident. I was rushed to the XXXX via ambulance. On XX/XX/XXXX, I went to get our belongings out of my car only to find out GLS had it towed away unbeknownst to us on the XXXX. I've NEVER missed a payment! I never saw my car again! A month later at a repo yard called XXXX XXXX, we were told by global lending that we could pick up out things. We didnt revive anything back but {$20.00}, my tag and paperwork out of the glove box. The accident was on my birthday and I had {$200.00} in cash and a XXXX XXXX bag, with the matching sun glasses. My husband had expensive cologne in the car and other things. Basically, someone had stolen from us. We never received the belongings that were missing out of my car. GLS wouldnt tell us is why our car was towed or where for months. On XX/XX/XXXX, we received a letter that our car was a total loss from Global Lending. Which is odd because claims adjuster do that not lenders. The at fault party could never look at my car because GLS already took it before an adjuster could assess it. Global lending reported our car as a repo on me and my husbands credit on XX/XX/2022. Global Lending started adding extra fees on my account that they couldnt explain. I had to pay for a rental out of pocket because GLS told my insurance company ( XXXXXXXX XXXX  ) that my car was repoed. XXXX wouldnt cover it because of this. I want my money back for paying 4 months of car rentals out of pocket because they lied on me and we want reimbursement for our belongings that were in my car and the mental pain and suffering they caused me while I was recovering from a XXXX XXXX XXXX XXXX XXXX I cried everyday because we were being shamed and embarrassed as if we didnt pay our bills. Its a lot. I have proof with letters, emails and text messages about the whole ordeal.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

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

I'm victim of Identity Theft. I'm filing this claim because Credit Bureaus are not doing their job in order to investigate existing problem. I am in total disagreement with your investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

1 ) XXXX  XXXX 2 ) XXXX XXXX  XXXX 3 ) XXXX XXXX XXXX These are not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Private student loan with Navient was discharged in XXXX XXXX bankruptcy on XX/XX/2023. This loan was above and beyond costs to attend the university, and therefore dischargeable in XXXX XXXX Navient continues to report a charge off, balance due, and late payments.
Product: Consumer Loan

Dear Regional Acceptance, I included the following documents : RAC Payment Admin - EZPAY - Phone Payment Confirmation Notice # XXXX am disputing a missed payment currently reflected on my credit reports ( attached ). 
On XXXX XXXX, 2014, I made an EZPAY Phone payment on my account in the amount of {$470.00} Confirmation # XXXX. However, in XXXX of 2014, my account was reported to the XXXX major credit bureaus missing ( XXXX ) payment. 
Please see the attached confirmation and please report to the XXXX major credit bureaus ACCURATELY as NO MISSED PAYMENTS since inception of the loan.
Product: Mortgage

We were going through a home modification trail period with XXXX. We had made 4 payments when XXXX sold/transferred our loan to Fay Servicing XXXX We called them to find out how to send a payment and the Fay said they had to receive the modification from XXXX so not to make a payment at that time. The next month comes and they ( Fay Servicing ) send us out a hardship package. Then they denied us. Fay Servicing will not honor our loan modification we had arranged with XXXX and now they want to foreclose on our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 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: Credit reporting or other personal consumer reports

Late Payments : 15 USC 1681 XXXX XXXX XXXX XXXX Permissible Purpose 15 USC 1681b Reinsertion Deleted Item 15 USC 1681i5b Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( XXXX ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report XXXX XXXX XXXX XXXXXXXX : XX/XX/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 XXXXXX/XX/XXXX I am requesting a certification of accuracy for any and all information your agency has reported concerning me and the immediate cessation and removal of any unverified XXXX inaccurate, or unauthorized data. I have continued to receive frivolous computerized statements without any legal proof of these derogatory marks. However, no legal proof of the marks has been provided or proven Under the provisions of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), I am requesting the names and business addresses of each individual you contacted for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I have Filed a dispute in regards to the incorrect item on my credit report. Which in my dispute I stated the item ( NOT MINE ) : XXXX XXXX XXXX, Account # XXXX, Account # XXXX Date Opened : XXXX XXXX Amount : {$14000.00} Address : XXXX XXXX XXXX XXXX, SC XXXX Contact Number XXXX It has been well over 30 days, and I ask that this be removed from off my credit report. 

I also reached out to the company XXXX XXXX XXXX stating for them to remove this item, and that this is not my debt, and this is also fraud. The company sold this debt to another collection agency,, Which I received in the mail. 

I then reached out to all 3 Credit Bureaus, XXXX, TransUnion, and XXXX and mailed them all required documents : copy of identification, and social Security number. Stating that this Inaccurate information is NOT MINE. 

I also attached my identification incase you need for me to provide it. Along with my license that has my marriage last name on it XXXX XXXX XXXX, XXXX XXXX name is XXXX XXXX XXXX.
Product: Credit card

The bankers have failed for sending me the reference letters once again. They lost the papers for the third time. Ive waited longer than 10 days to receive them. Thanks to them that they ruined my life, ruined my vacation plans, and ruined my time to purchase anything. They kept on lying to me and said that they sent me the reference letter since the day they sent me the letter. I still didnt receive it. I want to report to all the agents i contacted, all the people who lost my papers, and all the people who lied to me several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon finding fraudulent activity on my credit profile I filed a report with the FTC ( included ), The following inquiries were never made by me. No true 'verification ' was made. When attempting to remedy the problem with them, they are still reporting the fraudulent information. In direct violation of my right as a consumer. This is my final attempt to handle this issues through the proper channels before I seek legal counsel and ensure my rights are respected, and upheld. 
Unrecognized activity include the following 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$370000.00}, and XXXX XXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted on XX/XX/XXXX of a hard credit inquiry on the same date with Equifax for a XXXX XXXX card. I have applied for no credit in any form so far in 2019. I had a similar unauthorized credit inquiry on my XXXX report from XXXX and they were able to identify the app, shut it down, and remove the credit inquiry immediately. 

XXXX  on the other hand is unable to find anything on their end, or any reason to justify why they pulled my credit. Multiple call attempts and transfers to different departments have resulted in no resolution.
Product: Mortgage

XX/XX/2024 Called company to close Escrow account and refund the balance in account. Company gave information of process to follow and documents to provide. Followed instructions and emailed requested documents. Received confirmation of their receipt of doc. Given case number and told to expect a response within 5 days. 
XXXX XXXX No response received from company. Called to check status and was told to wait longer XX/XX/2024 Still no response from company. Called to check status. Representative stated could not find an " job '' open for my request to close Escrow account. Gave her the Case # but she could not find any documents from my request. Told Rep I received 2 email confirmations my documents had been received by the company and per Reps request I forwarded the email confirmations I had received. Rep still could not find any documentation of my request. I indicated I would send hard copy and ended the call. 
XX/XX/2024 I used postal mail to send hard copies to both the Customer " Service '' address and CC 'd the CEO at corporate address. 
XX/XX/2024 Verified, XXXX XXXX XXXX XXXX XXXX were received by the company on XX/XX/XXXX and XX/XX/2024. 
XX/XX/2024 Called company telephone number and asked to speak with the CEO. My request was refused. Representative wanted me to explain my request again. I told the Rep I had already explained this to multiple Reps and now I wanted to speak to a higher authority. Rep transferred me to a " supervisor. '' Explained to XXXX the problem and gave the case number. XXXX indicated the request was open and would be completed XX/XX/2024 with final system update of XX/XX/2024. 
XX/XX/2024 I called to check status of my request to close my Escrow account. I gave the Rep the Case 3. XXXX stated did not know what XXXX number I was talking about. Rep looked up my file and found my request to close my Escrow account, that it had been approved and would be approved XX/XX/XXXX. Rep also indicated did not know why I was told XX/XX/XXXX was the completion date. Rep suggested I call back on XX/XX/2024. 

I started this process XX/XX/2024. I followed the company 's instructions at every step of the way. I have repeatedly been told there is no record of my request, that is takes 30 days to process, they are still working on it, and given multiple moving dates as to when it would be completed. It has now been almost 60 days. Other than the email confirmation that my emails had been received, no other communication has been initiated by the company and every time I call I get a different answer. This request should have been completed weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  has violated my rights. 

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

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.
Product: Debt collection

XX/XX/XXXX a credit account was opened with Capital One. The account went delinquent in XX/XX/XXXX and was charged off with a balance of {$270.00} and a negative remark that showed up on my credit report a few months ago.
Product: Credit reporting 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. 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 informa
tion 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: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Agent, I've been noticing changes in my credit report that are not accurate. 
there is a company in particular that reported my Credit on XX/XX/2022 and I don't recognize or authorized. XXXX XXXX has posted an Inquiry on XX/XX/2022 please help resolve this issue. Thank you.
Product: Mortgage

Specialize loan services continues to put negative reporting on my account even after I paid my loan in full. How do the keep getting away with this??? The last report shown on my credit report shows settled not paid in full. This was paid in full. Why does this company continue to get away with not stating the correct facts to credit bureaus is beyond me. I even got a copy of my mortgage statement that says paid and satisfactory Mortgage. And even after the loan has been paid off since XX/XX/XXXX th Im still showing negative months after this what the XXXX is going on??? Please help me with this I need someone on my side to help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

ordered a copy of my credit report reviewed the copy founded to many wrong names, addresses and past work names