23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sir or madam : I received a permanent HAMP modification agreement for a residential mortgage from sps Select Portfolio Servicing inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX and completed my trial payments both timely and in full in XXXX. On XXXX/XXXX/XXXX I received the final modification agreement and on XXXX/XXXX/XXXX, I signed, dated, and notarized it, and I faxed and mailed it to SPS. I complied with the SPS requirement that SPS receive the modification as evidenced by the XXXX/XXXX/XXXX dated stamped copy of the first page of the modification. 
Since then I have continued to make my payments timely and in full. I also called SPS requently to check on the status of my modification approval, where I was told it was under review. At no time was I made aware that the modification agreement I submitted was in any way inadequate. I was shocked and dismayed to receive a XXXX/XXXX/XXXX Denial letter from SPS claiming that the modification was rejected for allegedly not returning the agreement by XXXX/XXXX/XXXX. There did seem to be an error made by the notary through no fault of my own and as soon as I was made aware of this, I immediately recent the agreement with the missing notary information. I have since been told by SPS on XXXX/XXXX/XXXX from speaking with XXXX XXXX of SPS that SPS now has the XXXX signed notarized and dated copies of the modification agreement that they require and that there was a good possibility that it would be approved. 

At no time prior to XXXX/XXXX/XXXX did SPS inform me that I needed to anything other than saying that the modification was under review. To be overly thorough, I have since faxed, overnight express mailed, and mailed postage pre-paid certified return receipt requested on XXXX/XXXX/XXXX yet another compliantly dated, signed, and notarized copy to SPS dated XXXX/XXXX/XXXX. 

In response to the SPS denial letter, I have a since written an appeal letter to SPS explaining and correcting any alleged deficiencies relative to this modication. At this time it is important to mention that SPS has accepted all of my forbearance payments of I believe {$2500.00} for the first XXXX trial period and now is accepting permanent loan modication payments in the amount of {$2500.00}. 

Also within the 30 day appeal time of the SPS XXXX/XXXX/XXXX denial of modification letter, I have even sent SPS yet another completely compliant signed, notarized, and XXXX/XXXX/XXXX dated copy of this modification agreement : faxed, express overnight mail XXXX sets of originals, and first class postage pre-paid, return receipt requested XXXX more sets of originals. 
In conclusion, this residential home mortgage modification account number ending in XXXX should be approved as the consumer has expended Herculean efforts to comply with the SPS requirements to meet approval. I have a son with special needs in the school district where we reside. I am a single Dad and both my son and I would be devasted if we were forced to move. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX and VINCI LAW FIRM are in violation of my rights according to the FRCA. 

My wages have been garnished since XX/XX/year>. XXXX reported my balance from XXXX XXXX XXXX XXXX as {$5300.00} on XX/XX/year>. Ive included a screenshot in this complaint. Ive also included a screenshot of my year-to-date garnishments from my current employer. My total garnishments total {$5400.00}. 

As of XX/XX/year>, XXXX XXXX XXXX XXXX is still reporting inaccurate information claiming I have a balance of over {$3000.00}. 

As stated previously in my complaints, this is willful noncompliance in regards to reporting accurate information. 

Furthermore, VINCI LAW FIRM has repeatedly ignored my request for information regarding my account balances and refusing to send me any records detailing any and all payments made by me to them. 

According to : 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 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} ; I urge the CFPB to take this matter seriously as Ive filed several complaints and yet these companies are still being allowed to hurt my ability to obtain credit through their inaccurate reporting causing me severe financial and mental distress.
Product: Debt collection

CarMax LLC alleges they have violated no securities laws but this is untrue. If you have truly followed laws as the investor of the security shouldnt I be compensated for my investment. I have received no proceeds from the trading of the security and since we have been unable to come to a reasonable compromise I will pursue my claims in a lawful court.
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX, XXXX on behalf of LVNV Funding ( ATTACHED ) On XX/XX/XXXX, I responded to that letter requesting signed credit application & statements ( ATTACHED ), on XX/XX/XXXX I received another letter from XXXX XXXX XXXX, XXXX with a settlement offer ( ATTACHED ) clearly this is not what I requested, then on or aroundXX/XX/XXXX I received a letter from Resurgent Capital Services ( ATTACHED ) saying they have enclosed account summary ( ATTACHED ) as you can recall on XX/XX/XXXX I requested signed credit application & statements from XXXX XXXX XXXX, XXXX, I only received account summary from Resurgent Capital Services. But they did not include a copy of the signed credit application. 3 collection agencies involved for one account and none can provide me a copy of the credit application.
Product: Credit reporting or other personal consumer reports

While checking my credit report I noticed accounts and inquiries that were on my account that I did not authorize. I filed a report with XXXX and submitted information to all three bureaus discussing what is wrong on my report and what I needed taken off. It is unlawful to punish people for acts that they did not commit. I would like for these items to be removed from my account. 

Collections : XXXX - Balance {$3900.00}, Account # XXXX XXXX XXXX - Balance {$950.00} Account # XXXX Inquiry : XXXX XXXX XXXX. Inquiry Date XX/XX/XXXX XXXX XXXX XXXX. Inquiry Date XX/XX/2023 XXXX. Inquiry Date XX/XX/2023 XXXX XXXX XXXX. Inquiry Date XX/XX/2023
Product: Credit card

Due to repeated unauthorized charges on Citi card XXXX, their agent closed that card XX/XX/year>. A new card XXXX was issued. {$59.00} in disputed charges was rolled over from the original card to the new card. I have since received letters from Citi acknowledging the dispute ( s ) for the charges has been resolved. However, because the dispute resolution corresponds with the original card # the 'credit ' and removal of the charges is not getting applied to the current card. Therefore, Citi is continuing to seek payment of money I DON'T owe. This has resulted in them adding unwarranted late fees & interest my account. I have had repeated calls with their customer service department but the seemingly can't access the closed card and therefore just keep insisting I pay. I have sent 3 certified letters to what I believe to be the home office starting just before XXXX and only once receiving a response which did result in them removing a {$29.00} late fee but insisted I pay the {$1.00} interest charge ( which I did ) NOW, they have reported this account as 'past due " which has caused a decrease in my credit score from XXXX to XXXX. Please can you help resolve this?
Product: Credit reporting or other personal consumer reports

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 1692. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1692c a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX local time at the consumers location ;
Product: Debt collection

I have not received enough information to verify the debt. I have repeatedly requested proof of debt, they only have the statement but nothing else. I have disputed this information and they continue to say that the debt is mine without proof.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, which has resulted in numerous fraudulent inquiries and one unauthorized account on my credit report. These were added without my knowledge or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft, and I am requesting the immediate removal of these fraudulent entries to ensure my credit report is accurate.
Product: Credit card

A credit card with Belk Department store escalated interest charges when I did not pay off balance in full.
Product: Credit reporting or other personal consumer reports

I am writing to express grave concerns regarding the handling of my personal information by your agency, which appears to be in direct violation of the Fair Credit Reporting Act ( FCRA ) and its associated regulations. As outlined in Section 602 ( a ) of the FCRA ( 15 USC 1681 ), there is an explicit need to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a deep regard for consumers ' privacy rights. TransUnion, being consumer reporting agencies, are bound by this mandate. As a consumer, I assert my right to safeguard my private information from unwarranted disclosure. Furthermore, Section 6801 of the FCRA ( 15 USC 6801 ) underscores Congress 's policy that financial institutions must affirmatively and continuously uphold the privacy of their customers ' information. The entity furnishing information to credit agencies falls under this category of financial institutions. It is imperative that my personal data is handled with the utmost care and confidentiality. In accordance with Section 604 ( a ) ( 2 ) of the FCRA ( 15 USC 1681 ), consumer reporting agencies are only permitted to furnish consumer reports under specific circumstances, notably with the written instructions of the concerned consumer. Neither TransUnion nor the furnisher of information to credit agencies have obtained my consent, written or otherwise, to furnish my information. Therefore, any prior consent given is hereby revoked. Moreover, Section 6802 ( b ) ( c ) of the FCRA ( 15 USC 6802 ) mandates that financial institutions must inform consumers of their right to exercise nondisclosure options regarding their nonpublic personal information. However, I was never notified of this right by the furnisher of information to credit agencies. Additionally, Section 1681c ( a ) ( 5 ) of the FCRA prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. It has come to my attention that an adverse item is being reported without my consent, contravening the law. Furthermore, Section 1681s2 ( a ) ( 1 ) of the FCRA stipulates that information furnished to consumer reporting agencies must be accurate, and Section 1681e mandates that these agencies maintain reasonable procedures to avoid violations. It is evident that TransUnion are failing to meet these statutory requirements. Lastly, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services effective immediately. I demand prompt action to rectify these violations of the FCRA and related regulations. I expect confirmation of the deletion of the accounts listed and assurance that my personal information will be handled in accordance with the law moving forward. 

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

XXXX merchant, XXXX XXXX, came to my house for a roof estimate, furnace and water heater. After salesman wrote up a form that showed what products and prices he was quoting us we said okay we would think about it. The salesman said that he was sure his company was great and the best price, etc. He also had another gentleman with him from XXXX XXXX. XXXX, salesman, sat at our table and got out his tablet, which neither I nor my husband could see. XXXX explained to us that XXXX did have their own financing available to customers and he would be able to have us apply right now. XXXX said it was very easy to use their company 's financing. The finance company Summit Contracting uses is Green Sky and the lender is XXXX XXXX XXXX. My husband and myself are on XXXX so our income is not over {$3000.00} per month. Now the price XXXX XXXX  quoted us was {$35000.00} for everything. XXXX then did some magic on his tablet and said to my husband that you have been approved for a {$25000.00} loan from Green Sky. Well that was very unbelievable to us as I said our income is very limited. Then he did some more magic on his tablet but said I had not been approved for enough to cover the other {$10000.00} of the needed loan money. XXXX seemed that no matter what he was going to get me a loan from their finance company for me. XXXX had asked us some questions before he applied for these loans so he knew our income. XXXX said well I will just tell Green Sky a different income for you, they won't check. Then we'll I was approved for {$25000.00} also. XXXX said that if we just signed here and here on his tablet that then XXXX XXXX   would send our credit application to Green Sky for us. Well then I guess the lender XXXX XXXX XXXX  gave the money to Green Sky for us to buy stuff from our merchant XXXX XXXX   that same day. Because what really took place is that when XXXX had us sign the application for financing we were really signing papers that said we agreed to finance through XXXX XXXX XXXX and Green Sky and XXXX XXXX. But we were supposed to get paperwork from Green Sky to activate our shopping pass to buy stuff from XXXX as they did our project. Instead XXXX activated our passes on XX/XX/2019 and then Green Sky wired them the whole {$35000.00} without us knowing. So this bank financed {$35000.00} to their lender who wired {$35000.00} to XXXX XXXX all by the next day and we knew nothing about it. 
I will attach more information but I have tried more than four times to have this taken off our credit report as I told green sky that this was fraud by wire transfer and bank fraud by unfair bank practicing to consumers. Green Sky always investigation and says some excuse why it's not their fault and we owe them this money. I am mentally becoming exhausted with this whole ordeal and I am not the only one in XXXX Wisconsin this has happened to.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX-2022 I sent letters to XXXX, XXXX, and TransUnion regarding inaccurate and unknown things that they are reporting on my credit report. 
I have yet to receive a response for the items that needs to be corrected. I feel like I have been reaching out forever about this situation and I feel that I am being taken advantage of also being ignored. Correcting this information is very important to me as it is hindering me from the Employment that I am seeking. XXXX, XXXX, and TransUnion are acting as if my needs aren't important to fix my disputes. 
Section 611 ( a ), plainly stated, a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. it has been over 45 days and still have not received a response with this information corrected. the items need to be deleted promptly.

I will file for litigation due to the stress that I am going through to get these items deleted from my report.

The Credit Bureaus have also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Each bureau is supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). These account needs to be deleted for inaccuracies. I will attach a picture of the violations that are being reported.

How is it possible for each Credit Bureau report in payment history Ok and Past Due in the same month? Also have 3 different dates last active? this picture is full of violations, and they need to delete this account from my credit report because it isn't accurate here is Tracking numbers for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for TransUnion XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX TRANSUNION XX/XX/2022 RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.

My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit-reporting agencies reported this false misleading information on my credit, which goes against the FCRA laws. , I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts.

I demand that the following account be removed immediately : Designed XXXX XXXX XXXX I know that as the consumer, I HOLD ALL THE POWER. As a ( MO ) XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. As a consumer and the one with ALL THE POWER, these inaccurate accounts on this letter must be deleted immediately AS IN ASAP, or I will seek monetary damages in small claims court in my city and state. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative. THESE INQUIRIES & ACCOUNTS ARE Inaccurate across all 3 Bureaus XXXX Transunion and XXXX. also, I certify that this request to block was made NOT in error, and My request to block information was NOT based on material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or money as a result of one or more of the transactions that I am seeking to block. If I received well and services, then please have a senior executive certify under the penalty of perjury that I in fact received goods and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ).

Also, I request that you send me a validation of all debts according to XXXX, if you can not do that then you must remove it. 

Thank you, XXXX XXXX XXXX
Product: Student loan

I have asked both XXXX and Mohela for my payment history for at least the last 5 years. All they have sent me is the loan disbursement history, and not payments I've made throughout the life of the loan. 
Mohela says they only have what XXXX sent them, and XXXX has said they have sent Mohela ALL loan information when it was taken over by them around XXXX. I recently requested once again my loan payment history, and attached is all Mohela sent me. Once again, just the loan disbursement history and NOTHING showing what I paid into these loans. These loans are part of XXXX XXXX XXXX XXXX XXXX XXXX  and I need to know the exact amount of money I have paid into these loans over the last several years to ensure my refund is correct. The servicers the DoE gave these loans to have AWFUL and biased bookkeeping, only showing what loans they have had and NOT what I have paid into it. I contacted my bank where I made these payments from and they don't have statements that old.
Product: Credit reporting

I am having an issue with Lexis Nexis they are reporting a Public Record from XXXX County. These were fraudulent taxes filed with my social security. They are relaying this information to XXXX and i have disputed the public record with XXXX and they continue to verify the information as accurate because of the information they are receiving from Lexis Nexis. I am attaching the police report that i filed showing this public record is fraudulent. I am requesting for lexis nexis to remove this fraudulent Public record from my name.
Product: Mortgage

Thye have not sent me any bills in several months - can not reach anyone on phone or via email - The only communication from them is blank a month ago-
Product: Debt collection

National Credit System is trying to collect debit that I do n't owe them ... I never heard of this company nor have I ever did business with this company.I have never signed a contract with this company or have any kind of written agreement with this company ... I tried to dispute this several times along with proof or validation of this account..They look to have been reporting on my report or opened XXXX XXXX,2014 in  the amount of {$1700.00} ... I would like to have them removed from all 3 major reporting agency ( XXXX, XXXX and XXXX ) ... This is embarrassing to my report and hinders me from pursuing my dream of being a home owner ... Thank you guya for doing what you do!!!
Product: Mortgage

My Loan was transferred from XXXX to Mr. Cooper on XX/XX/2019, the loan No. is XXXX, I received a letter from Mr. Cooper that there will be no additional charges and same loan terms and conditions will be applied on this loan and I will get 60 days of grace period to make the payment without any penalties, so why is there a {$15.00} fee addition to my total payment?