23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint against : Select Portfolio Services Address of Foreclosed Property XXXX XXXX XXXX XXXX, FL XXXX SPS Account Number XXXX ENCLOSURES : Verification Letter re : date of original delinquency/Chase Demand Letter to SPS Recently, I applied for a mortgage and was approved. The company in question, Select Portfolio Services ( SPS ) became the servicing agent for mortgage foreclosure that was filed in XXXX, and they took over servicing in XXXX. It is still being reported by them with a date of original delinquency of XXXX I contacted them to let them know that the date of original delinquency predated my dispute by over 7 years and must be deleted. Their response was essentially that it is the date of their last activity, not the date of original delinquency, that determines when the 7 year period begins to run, and that they will continue to report this delinquency until XXXX in direct violation of the FCRA. I sent them a letter demanding that they delete this entry but as of this date I have gotten no response. 
The loss of the home and other substantial assets, like a pension, a job, etc, were the direct result of the XXXX mortgage debacle. I have already suffered enough loss from that. I believe SOMEBODY has to have some relief for me instead of the banks. 
I contacted the original creditor, XXXX XXXX XXXX, to verify that the date of original delinquency is over 7 years. Their verification, which I believe is incorrect and I will further investigate, said the date of original delinquency is XXXX. It is my belief that there were several missed payments before that date. Assuming that to be true, any reference to this debt must be deleted in XXXX of XXXX. SPS has refused to acknowledge this and insists that it may report until XXXX. 

I had a mortgage in place a few days ago, but because of this entry, and the false record of the date of delinquency, the mortgage was declined at the last minute and I was unable to make the purchase. Disputes have been sent to reporting agencies and the response was the same. They believe the date is extended by the date they got the account. 
Another factor is that when the started servicing the loan, it was to be under the terms and conditions agreed to by XXXX. Part of that agreement was that XXXX would take a deed in lieu of foreclosure. SPS refused to do so and cause more damages because of the time it took to finally get the property out of my name. 

My concern is not only for my account. If they are following this procedure on all of their accounts, they are undoubtedly reporting countless accounts in error. This is not a clerical mistake. It is their policy and procedure, and it a clear violation of law. They need to stop, and they need to be sanctioned for each and every violation. 

I have enclosed documentation to support my claim.
Product: Payday loan, title loan, or personal loan

I have repeatedly told the company over the phone when making a payment that when I first applied for the loan, I was getting paid weekly but then I got hired thru the company and I get paid bi weekly now and that it is hard for me to make the payments when I said I was. Company has been calling other people that where not on my reference list to get in contact with them and if I am available. One representative called me and started screaming at me over the phone. When I told them to let me speak to a supervisor he hung up on me.
Product: Credit card

I noticed over the past month that my credit score had tanked over XXXX points and could not figure out why. I make all my payments on time to everything over the past three years. I had built up my score to over XXXX. I went to make a payment online to Synchrony Bank XXXX XXXX XXXX and it said I was at 97 % usage. When I obtained that card though a purchase made at XXXX XXXX, my credit limit was {$3500.00}. I was only using less than {$1900.00} after buying a sofa. I called to inquire what had happened as my credit limit was reduced to {$1900.00}. I was told that their decision was due to other cards at high usage. I also told her that despite that, each loan, each card, rent and utilities are always paid on time, sometimes even more than what is due. This tactic contributed to my failing score as it shows a high limit usage on that card now. I explained to the rep that this practice is wrong and that they are most definitely at fault in assisting with the score going down. This changed happened XX/XX/year>. They didn't care that my payments were on time. I never received any letter from this or had any call to discuss anything about this. All she told me was that they had a right to change things at their discretion and there was nothing I could do about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Product: Credit reporting or other personal consumer reports

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action. 

******** PLEASE SEE ATTACHED FILE FOR FULL DETAILS OF COMPLAINT********
Product: Credit reporting, credit repair services, or other personal consumer reports

HAD MY WALLET STOLEN BACK IN 2020. BEEN HAVING PROBLEMS WITH PPL APPLYING FOR CREDIT IN MY NAME EVER SINCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, my XXXX XXXX account was charged off due to having some personal issues. While the account status on my Experian shows " charge-off '', and " closed '', it is still reflecting a balance and continues to show my payment history as current and " CO  ''. The balance should be at a {$0.00}, and they should have stopped reporting " CO  '' on my credit report as of XX/XX/2018 when they charged it off. The account has already been given to an outside collection agency, and I have disputed this more than once for XXXX XXXX to correct my credit report.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 or other personal consumer reports

In accordance with the Fair Credit Repprting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 c. ( 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 or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Payday loan, title loan, or personal loan

the company ONE MAIN financial has been charging me exuberant fees on top of that they call my work place and call my friends regarding my debt and they dont stop calling me whenever i get a late payment and reported me delinquent inspite of talking to the company and making them fully aware that I will be paying late but i will make sure i pay and now they reported my account delinquent were in i was just paying late due to being affected by covid starting from 2020 and did not get paid.

I informed them about options where they can help mebut declined and stated that they can not help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I did not authorized Bank of America to pull my credit on XX/XX/20. I reached out to them about this matter and they refuse to remove this inquiry from my report. It is illegal to pull consumers ' credit report without a written authorization. I need them to remove their inquiry from my report immediately or my next step is to sue them and XXXX.
Product: Debt collection

I recieved mail stating I had a medical debt that was delinquient, and so it was taken up by a debt collector. I recieved a phone call from them asking for the money. They said it was a doctor XXXX, and I asked who was the doctor that I have to pay, and they would not answer. I told them I would call the XXXX  for more information but they kept telling me not to, saying that they can answer my questions. I called the hospital anyways and they said I do not have a XXXX  bill but I XXXX have a XXXX 's bill. I looked at the mail that was sent to me and it had a website listedXXXX XXXX XXXX XXXX I went on the website and inputed my information, but it stated that my account was not accesible, sorcing me to call the company again. I then called the company and they tried to persuade me to make a payment over the phone. They had my name, social security number, date of birth, and my address, which I did not give them. They had information of when I visited the hospital as well, leading me to believe that this was a legitimate bill. After hours of phone calls to the hospital, it was concluded that I do not have a bill from them, nor from a physisian.
Product: Debt collection

Collection companies buy and sell a student loan debt that is not valid debt of mine. I have written each company that has serviced said debt to explain that this is NOT a valid debt and the collection company either sells the debt to another company or has another collection company service the invalid debt. The latest debt collector is Regional Adjustment Bureau, INC of XXXX, TN XXXX XXXX XXXX XXXX. This aforementioned company continues collection efforts after written and verbal notification of invalid debt and solicitation at a work phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed the two Bankruptcies with Trans union XXXX  and XXXX that doesnt belong to me. Yet they say its verified and to be mine, Ive spoke to the XXXX  court and they dont even give this type of information with credit bureaus so how is this being verified. Please remove these items they are inaccurate and incorrect. I XXXX XXXX XXXX  have found XXXX XXXX XXXX  to be on my report as a third party representative for me again these are not mine Please remove as I have not authorized these people to represent me this again does not comply with the FCRA. Remove immediately if these where mine the information is doesnt report the same dates as other bureaus and needs to be removed.
Product: Credit reporting or other personal consumer reports

I have Disputed this Account about removing XXXX XXXX XXXX due to : 1. Violation of Privacy Act : XXXX XXXX XXXX. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Under the Privacy Acts disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual. 

I DID NOT GIVE ANY CONSENT by written, oral, electronic, or mechanical to XXXX, XXXX or TRANSUNION nor any other 3rd party companies to share my information publicly. 

I asked them to remove it on these dates below : XXXX Disputes : Date Generated XX/XX/XXXXXXXX  XXXX XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX Updated Information on this item has been updated. Please review your report for the details. 

Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX Disputes : Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXXXXXX  Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX TransUnion Dispute : Date Submitted Estimated Completion Status XX/XX/XXXX XX/XX/XXXX In Process
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry of XX/XX/22 from XXXX XXXX is fraudulent. Please remove inquiry I have provided the following : A. Letter from XXXX XXXX with fraudulent verification. 
B. FTC letter of Identity Theft Report. 


Please remove Inquiry. 2nd request.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures 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 ) Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

This happened in XXXX I would use Chime banking. Out of nowhere they closed my account with funds inside. They never provided me a reason why. They did say I had to go to XXXXXXXX XXXX and request a letter, but that made no sense to me. Before they took $ XXXX and I tried talking to support but nothing came out of it. Then sooner later is when my account closed. I tried reaching out on multiple occasions but I never received a clear answer as to why and how I can get my funds returned.
Product: Debt collection

This company contact on several occasions speaking about a debt I owed to a college. I told the supervisor that I never received any letter from the school stating I owe them. I told them that I didnt owe the school and I was disputing it. They sent several letters to my home, calling me asking me how I want to settle the account. I spoke to as supervisor XX/XX/XXXX, told them that I didnt owe this amount and the college stated that they could not speak to me about this account. She told me she couldnt help me with this account other to take payment. I told her to not call me again about this account since no one can explain this debt cause I didnt attend no school Summer 2018. On XX/XX/XXXX, they called me again, left message since I declined the call. On XX/XX/XXXX, they called me multiple times when I answered the phone, it was the same thing, how was I going to settle this account. I told the agent that they wasnt supposed to contact me, she placed me on hold and a supervisor came to the phone. I told the supervisor that I dont owe this money because student loans was paid out for when I was attending. I didnt attending school during that time and there was nothing to talk about. I told her that I had requested they dont contact me the last time they call, she told me they not going away. I told her I would hire a lawyer if this continues. At XXXX XXXX, I received another call after hanging up with the supervisor, asking how I was going to settle this account. They are disrespecting my privacy and request. Since no one has an answer to this debt but assumptions, I still state that I dont owe this amount. They have filed it on my credit repair before they contacted me about this account which is wrong since I never was notified of this debt from Conserve or XXXX University beforehand. They received my information by credit report since this is an unpublished number. Complete Violation.
Product: Debt collection

I keep getting contact via email. the message is as follows. 

You have an outstanding balance with XXXX XXXX XXXX XXXX, There's no better time than now to start clearing your account. Your current balance stands at {$160.00}. 

Our user-friendly options make it easier than you think. 
VIEW PAYMENT PLANS Sincerely, Aldous & Associates THIS IS AN ATTEMPT TO COLLECT A DEBT : ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 

At this time, no attorney with this firm has personally reviewed the particular circumstances of your account. 

Go to cfpb.gov/debt-collection to learn more about your rights under federal law. 

VISIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR MORE INFORMATION. XXXX XXXX XXXX. 
Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Privacy Policy | State Disclosures | Unsubscribe Please do not reply to this email as this address is not monitored. 

CONFIDENTIALITY NOTICE : This electronic transmission ( and/or the documents accompanying it ) may contain confidential information belonging to the sender that is protected by the Electronic Communications Privacy Act, 18 U.S.C. Sections 2510 and 2521 and may be legally privileged. This message ( and any associated files ) is intended only for the use of the individual or entity to which it is addressed and may contain information that is confidential, subject to copyright or constitutes a trade secret. If you are not the intended recipient you are hereby notified that any dissemination, copying or distribution of this message, or files associated with this message, is strictly prohibited. If you have received this communication in error, please contact Aldous & Associates , PLLC immediately by telephone and destroy the original message. Messages sent to and from us may be monitored. 



I have tried emailing several times asking them to stop and even treathened to fine them but they have not stoppped.
Product: Debt collection

I received a call from the CBE group claiming to collect a debt that is not owed. They have my personal information. The call cam in on XXXX XXXX  on XX/XX/2021 from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove this fraudulent accounts : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again.
Product: Payday loan, title loan, or personal loan

This website takes all of your personal information. DL #, social security number. Bank routing and account number and does nothing. Seems like a fraudulent site or is used to take information from people.