23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello, I am filing a complaint about my recent debt collection ( from Performant Recovery Inc. ). I owed a balance to the US Treasury Department in the year of 2018 of XXXX. Started making payments to the US Treasury but soon fell behind in payments. Falling behind in payments with Us Treasury sent my account to collections. I was aware that this would happen due to missing payments. The remaining balance on my account when I went into collections was XXXX dollars. 

Sending my account to collections, I was also aware that the collections agency would apply fees to the loan. As of today the balance is XXXX and it has growing interest daily. I dont understand how they added over 1600 dollars interest fees. This fee is doubled what I owed the US Treasury Department which was XXXX dollars from the beginning of the loan. 

I have called the collection agency for a settlement price but they are unwilling to work with me. I feel that is company is taking advantage of me and what we can settle on a price for. The 2,000 plus dollars is an outrageous fee. 

Also, I am attaching a letter they send me every few weeks ago. Looking forward to hearing from you. 

Thanks,
Product: Credit card or prepaid card

I filed a claim for {$2900.00} for travel insurance with Chase for travel costs I purchased with my credit card but had to cancel due to sickness. I filed the claim on XX/XX/XXXX. The claim process was dragged out due to terrible customer services, response times FAR beyond what was promised, and general incompetence. I repeatedly had to call in order to get my claim reviewed. I was finally told a check had been sent on XX/XX/XXXX. I called on XX/XX/XXXX when that check still hadnt arrived and asked for direct deposit. I was told that was impossible and that I had to continue waiting for the check. The companys website says checks will be delivered in 7-10 business days ; the customer service rep I talked to today said that never happens. Apparently, I was lied to about not being able to get a direct deposit because that was suddenly made available today. I still have not received the money and have ZERO faith in the company providing it in time. Throughout this, Ive had to pay interest on the money that Ive been seeking to get disbursed to me on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


Here is the list of account/item which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/1997 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have contacted all three credit bureaus over XXXX times about inquiries that I did not authorize. According to the FCRA, these unverified and unauthorized items should be removed. Despite providing documentation, they still have not taken action. Additionally, I received emails demanding {$6000.00}, threatening to release my Social Security number and ID photos. They gained access to my email, but I have since changed my password. I am simply requesting the removal of the inquiries that I did not authorize. Thank you.
Product: Mortgage

I applied for a loan modification for my home. I own an auto repair business in XXXX XXXX, CA. The XXXX fire that started in late XXXX and continued into XXXX impacted my business in various ways. Many of my clients lost their homes and vehicles and had to move out of the area. I lost them as clients. Many people lost their homes or suffered significant damage and had to move away. While the fire did not burn my business down, the embers did fall on my building and cause damage. The rains that followed the fire in the winter of XXXX then resulted in floods and mudslides that also destroyed more homes. Again, I lost more business due to that disaster. Additionally, my building also suffered damage because of the rains. 

I lost a lot of clients and business due to the fire and rains of XXXX and because of this I had trouble making my mortgage payments among other things. I applied for a loan modification because i need help to stay in my home. 

My loan had been with XXXX XXXX  XXXX but it was sold to SPS recently. I applied for the modification once the transfer to SPS was complete. I submitted my paperwork in late XXXX and just 2 weeks later they made a decision. They didn't ask any questions in reviewing my application. 

The lender completely ignored the hardship I suffered because of these natural disasters and only granted me a repayment plan that is more than double the amount of my monthly mortgage payment. How can I pay the new amount when I was struggling to pay the old amount?
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor did I benefit from the below listed inquiries. Whoever authorized these companies to access my consumer report and place these hard inquiries is in violation. I am reporting them, and I want them blocked and removed from my consumer report. 

XXXX  XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022 XXXX XXXX XXXX  - XX/XX/2022 2022
Product: Credit card or prepaid card

I 'm being charged a monthly interest fee, as well as more than half my payments to interest. This is not the only company doing this to me.
Product: Mortgage

I closed my loan with XXXX XXXX back in XX/XX/2021. When we close the monthly payment was {$1500.00} and that was what I was paying for the 1st couples months directly to XXXX. Then this month I received a letter from SPECIALIZED LOAN SERVICING LLC stating my account has been transferred to their company and my new monthly payment is {$1800.00} which is very different to what I just paid last month. So I contacted the new servicer to dispute that new monthly payments as well as asked for clarification. My PI is about {$1400.00} so for some reasons the monthly escrow amount changed during the transfer period. However my insurance and taxes did not change. so I have asked the first agent with who I spoke to help me understand why this big change in payment. She agreed that the numbers did not match and she was going to investigate and call me back, which she never did. On the other hand, I have already made the regular {$1500.00} payment for XXXX directly to the previous servicer and I mentioned that to the lady with who I spoke on the phone when I first called Specialized. She told me not to worry and the previous servicer should be sending the payment to them. However, I have been getting multiples annoying calls from Specialized about my account being late when indeed it is not. This has became harrassing to have agent calling you almost every single day when nobody is actually trying to figure out the real issue. The escrow amount needs to be adjusted to reflect correct numbers. My insurance is about XXXX XXXXmonth and the taxes are around XXXX XXXX/month. I have attached both documents for proof. 

This is not my first issue with this servicer. They have the worst customer service, are horrible at fixing issues or returning emails. I filled a complaint last year for another account that they are also servicing which has never been reported to the credit bureaus ( LOAN # XXXX ). From the company previous response I was told this account was going to be reported on all 3 bureaus but it has now been 2 years I have owned this account and it has still not been reported to any of the bureaus. This is unprofessional and unfair. 

This servicer needs to be investigate as the way their are doing business is unfair and maybe illegal as their are not following the rules.
Product: Mortgage

We have our house payment on automatic withdraw from US Bank. Our insurance went up which caused US Bank to have the monthly payment not applied and moved to suspended until the unapplied funds in the amount of {$130.00} is collected- even though they took the money from us but still charged a late fee. We were not notified of this increase, spoke to 2 customer service reps and they would not waive the {$130.00} late fee ( we paid the mortgage - it is on ach ). The customer service reps spoke in an abusive matter not helping. We are never late on a payment this happens every year when the insurance goes up and there is not enough in escrow. US Bank has the worst communication, we had 1 phone call that sounded like a scam. A late fee had already been assessed.
Product: Credit reporting or other personal consumer reports

In late XX/XX/XXXX I contacted XXXX and Transunion to remove several inaccuracies from my consumer credit report. Both agencies removed Some of the inaccuracies but not all. XXXX removed a total of XXXX inaccuracies ( non mailable addresses ) and TransUnion removed a total of XXXX inaccuracies ( non mailable addresses, name variations and phone numbers ). 

On XX/XX/XXXX I sent XXXX an invoice for {$9000.00} for being in violation of 15 USC 1681 and the Privacy Act of 1974, requesting payment for these violations under 15 USC 1681n. I am including a copy of that invoice in this complaint ; they are approaching XXXX  months beyond the Due Date of the invoice. The only correspondence to my invoice was a request for a copy of my Drivers License and Social Security Card. I sent them a copy of both my Drivers Licence and Social Security Card as requested along with another copy of the invoice. My complaint and demand for compensation has gone ignored. 

On XX/XX/XXXX I sent TransUnion an invoice for {$23000.00} for being in violation of 15 USC 1681, violation of the Privacy Act of 1974, requesting payment for these violations under 15 USC 1681n. This invoice is past due as well by XXXX  days. The only correspondence to my invoice was a request for a copy of my Drivers License and Social Security Card. I sent them a copy of both my Drivers License and Social Security Card as requested along with another copy of the invoice. My complaint and demand for compensation has gone ignored with TransUnion as well.

Both Reporting Agencies are in Violation of 15 USC 1681 and have failed to comply and therefore is liable to pay damages Up to {$1000.00} Per Violation.

1681n. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

I am including copies of the deletions including my credit report before and after deletions as my Proof of Claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Product: Prepaid card

Before XXXX XXXX purchased vanilla gift cards as gifts. Now nobody is able to use them anywhere. Tried to speak to a person at vanilla and that option has been removed. Tried to report a problem with my cards and that option doesent do anything it just keeps you in the main menu therefore i think that option has also been removed. I do not know how to get my money back or spend the money on the cards. Nobody will take them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all invalid information on my credit report with Equifax. please update all the information to help my file.
Product: Mortgage

Please forgive my delay in surbmitting this complaint. 
Recently I've had 3 back procedures withint approximately 6 week period sapping my engergy. Thank, you for understanding this delay. 

Enclosed please find the CFPB roster of complaints filed by me against XXXX. 
thru XX/XX/11 ONLY. 

The last complaints : XXXX on XXXX XXXX & XXXX XXXX were not able to be opened to see the reply or replies from SLS Also, Complaint XXXX of XXXX XXXX and XXXX XXXX also unable to view the reply from SLS When calling CFPB in this regard, I was informed that CFPB could NOT, in fact, read the reply... it was redacted/removed? That I would be receiving a written reply via US POST from SLS within, I believe, 15 days. 
Please know that I have yet to be able to OPEN either complaint to be able to read/see the SLS/HSBC reply and have NOT received anything in writing from XXXX in reply to either of the above referenced complaints. 

PLEASE instruct XXXX to REPLY TO MY COMPLAINTS ASAP. 
IT appears XXXX is not held to any timeline or rules. 
It appears that me, the borrower, is always at odds to get an answer from XXXX Further XXXX HOW DOES one defend this INTEMTIONAL FRAUDULENT FORECLOSURE? 
It appears that XXXX maximize their CORPORATE PROFITS ON the Backs of Homestead mortgages without rebuke... all done with INTENT & FRAUDULENTLY. 
" THEY contaminate the truth and the ability for JUSTICE.

I was of the belief that in America, when someone INTENTIONALLY HARMS someone that JUSTICE is available. The WRONG COULD/WOULD be righted? PLEASE help me find an avenue to JUSTICE. Thank you. 

Thank you, kindly, XXXX
Product: Credit reporting or other personal consumer reports

So I mailed a letter XX/XX/year> that transunion said they never received. I then I mailed a letter again XX/XX/year> and received a letter back from them on XX/XX/year> stating that they think the letters didnt come from me and if it did to call and verify my identity and the credit accounts and everything I mentioned in the letter that I would like disputed. I did that and her response was again that they looked at the letter and determined it came from a credit company after I sat on the phone verifying my identity, the letter I sent, the proof of identity documents I attached to the letter and everything in the letter that I wanted them to investigate so they could see that these accounts were due to identity theft and were not made by myself! I attached the letter that they responded to my letter stating that the letter wasnt me. I sent another letter last week and Im sure they are going to probably say it wasnt me again just to keep these accounts and inquiries on my credit even though it is me writing the letters and telling them this was opened by me and etc.
Product: Debt collection

Portfolio Recovery Services is reporting inaccurate and unverifiable information on my credit profile. The account number XXXX can not verified under my personal information with Portfolio Recovery Services XXXX I am requesting that Portfolio Recovery Services delete this account from my credit profile under the FCRA section 609 and 605B. Section 609 states every consumer reporting agency should be reporting accurate, verifiable information to the consumer credit report. If the information is not accurate or verifiable it should be deleted. A Representative from Portfolio Recovery Services could not verify that my social matched the social they had for account ending in 1970. Under section 605B ( a ) ( 1 ) of the FCRA Portfolio Recovery Services, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identities as information that resulted in identity theft, not later than 4 business days after the date of receipt by such agency a copy of an identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 an account without my written instructions.
Product: Debt collection

TODAYS DATEXXXX XXXX  XXXX XXXX XXXX XXXX   XXXX In response to CFPB : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I  am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX  XXXX PORTFOLIO RECOV ASSOC XXXXor any company associate with this account PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXXand tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone  Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission PORTFOLIO XXXX PORTFOLIO RECOV ASSOC XXXXor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to handle this with Experian several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within 7 business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND send me DOCUMENTS with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNTS IMMEDIATELY. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Recently returned from a Cruise ( XXXX XXXX XXXX ) in which on-board purchases were made. XXXX submitted the transactions to Citibank for authorization and Citi approved the transactions and posted as " pending '' on the account. Transactions were made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. ALL transactions have now " posted '' to my account yet 3 transactions remain as pending. Citi says it is a merchant issue, merchant says it is a Citi issue, neither will speak to the other to release the " pending '' transactions which have posted. This has affected my credit line availability to the point that certain transactions may be denied as I use this card for travel. I have contacted both the cruise line and Citi a minimum of 4 times each and each are pointing the finger at the other. Citi has acknowledged that the transactions have posted, yet have clearly stated it is a Merchant ( XXXX ) issue to release the transaction. XXXX has attempted to contact Citi, yet due to Citi 's policies, they will not accept a fax or phone call from XXXX to remove the transactions saying they need to process through their Merchant system.
Product: Vehicle loan or lease

Is in violation of Holder in due course rule. They ate holding my contract without reserving the rule of the holder in due course rule. Toyota received my contract and didnt credit me for the contract is in violation because according to the rule it preserve my defenses and my claims to proceed of the note that was issue to the seller which is the dealership before it was issue to the creditor which would be the bank or anybody that ended up being the holder of the note. 
The vehicle is for my person use they have no right to charge me for the note. The note was the payment that they received and proceeds from the note was what I was entitled to credit for. They cant make me pay without them paying me.