23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Debt Collectors : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ATTN : LEGAL DEPARMENT XXXX XXXX AS TRUSTEE XXXX XXXX XXXX XXXX XXXX, NC XXXX cc : Federal Trade Commission XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX Re : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX XXXX AS TRUSTEE ( XXXX XXXX XXXX ) Acc # XXXX XXXX XXXX XXXX XXXX XXXX MIN # XXXX Note Date : XX/XX/XXXX NOTICE OF VERIFICATION DEBT Since Select Portfolio Servicing had refused to disclosed the information requested on Notice of Verification Debt., in conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), SPS , XXXX XXXX XXXX , claiming false interest of third party called XXXX XXXX XXXX servicer with the sole intention to defraud, steal homeowners. After the servicer has not being able to provide, disclosed the information requested below, we commanded XXXX, XXXX XXXX XXXXXXXX XXXX to release my property from any lien recorded XXXX county illegally and return the original Note, stolen and illegally seize by Select Portfolio Servicing at its offices in XXXX XXXX XXXX, Utah. SELECT PORTFOLIO FAILED TO VERIFY THE DEBT AND DISCLOSED INVESTOR XXXX XXXX XXXX TRUSTEE ADDRESS, DEFAULT DATE OF THE MORTGAGE AND PROOF OF STATUS OF LIMITATION. 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify XXXX XXXX XXXX TRUSTEE headquarter and agents 3. Default date of Mortgage 4. The agreement bearing my signature stating that I have agreed to assume the debt 5. Valid copies of the debt agreement stating the amount of the debt and interest charges 6. Proof that the Statute of Limitations has not expired 7. Complete payment history on this account along with an accounting of all additional charges being assessed 8. Commission for debt collector if collection efforts are successful. 9. Any insurance claims been made by any creditor regarding this account. 10. Any Judgments obtained by any creditor regarding this account 11. Show me that you are licensed to collect in my state ; and 12. Your license numbers and Registered Agent 13. Explain Select Portfolio Serving 's misconduct and conspiracy to defraud client with two ( 2 ) different default letter XX/XX/XXXX for {$110.00}, XXXX and XX/XX/XXXX for {$230000.00} in less than a year. Both Demand letter/Default letter has a serious fatal error, also failing to state the date of Default date of the Mortgage. Your SELECT PORTFOLIO SERVICING AND XXXX XXXX XXXX AS TRUSTEE office failed to disclosed information of this debt validation letter since XX/XX/XXXX. This account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect or foreclose on the said Mortgage must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt/mortgage against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXXXXXXXXXX
Product: Credit card

I never applied for a capitol one credit card. The company began contacting and harrasing me about payment for something that I made clear that I never applied, accepted or received. I complained about fraudulent things.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 a consumer report does not contain information about transactions with financial institution, which would entail payments.

I was supposed to receive 3 disclosures from the financial institution before they reported information to credit reporting agencies.

15 USC 6801 states that the financial institution is obligated to protect my non public information and not to share it to anyone.

15 USC 6802 states that the financial institution may not disclose information to non affiliated third parties any non public information unless the financial institution provides me with communication that information will be shared.

15 USC 1681 also states that all consumer reports shall not contain information that pertains to transactions or experiences, which payments are transactions.

Further under 15 USC 1681 i did not authorize information to be shared to consumer reporting agencies.

There are three alleged late payments showing on my credit report from the 3 biggest credit reporting agencies, which needs to be deleted based on the laws i stated above, and that i did not authorize these alleged late payments to be disclosed to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Dept of Education / XXXX XXXX XXXX XXXX : {$76000.00} The balance reported is inconsistent with the repayment history and conflicts with other reports. This is a violation of both FCRA 1681e and FCRA 1681i. Under 1681e, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, 1681i mandates that agencies investigate and correct or delete inaccurate information within 30 days when consumers dispute the accuracy. Inaccurate loan balances or repayment statuses can have significant negative effects on consumers financial opportunities.

2. Payment History My payment history should reflect 100 % on-time payments for all accounts, particularly my Dept of Education XXXX XXXX XXXX XXXX XXXX Any deviations from this record are inaccurate and violate FCRA 1681e, which requires that all reported information be accurate. Additionally, under 15 U.S.C. 1666b, creditors are not allowed to report late payments unless they are at least 30 days past due. Please update the payment history to reflect 100 % on-time payments, as I have never missed any payments on this account. 

Furthermore, the debt has been forgiven due to my school being listed as fraudulent and closed down. I am attaching a letter, stating the debt was forgiven.
Product: Mortgage

My existing loan got sold to The Money Source. My monthly payment was {$1500.00} The statement said {$1600.00}. I called in and spent a lot of time on the phone fixing their error, on a loan company that I was forced to use since they purchased my loan. The customer service gal said that she sees the error, and put in a request to fix it, and it will be corrected by XX/XX/31. She also said not to pay my monthly mortgage, that was due XXXX. They were supposed to get back to me XX/XX/31, I emailed them XXXX, they emailed me back and said to call in. I do not have time to keep calling and obviously my call in the past did nothing. I am pre approved with another residential lender for a new primary residence, and also commercial loan for apartment building purchase. If The Money Source is responsible for a negative report to the credit bureau, after they are in error and on a recorded line told me not to pay until this gets resolved, we are going to have an issue. I want this corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested that the following inquiries be removed off my report. I have reached out to the companys and failure to provide me with any written documents that gave consent to inquire my credit report. I did not authorize nor give the credit bureaus any authorization of these following inquiries. I am a victim of identity theft. I also requested that these inquiries be removed within 30 days from the notice that I sent out. Companys where unable to provide me proof that it was me XXXX XXXX that authorized these inquiries it has now been over 30 days. I believe it is essential to maintain the accuracy and integrity of my credit report. I have submitted a claim to the ftc in regards to this matter as well.
Product: Debt collection

Dear Portfolio Recovery Services This is an official notice to formally advise you that I believe your company has violated several of my consumer rights. 
Specifically you : Failed to validate a debt at my requestFDCPA violation I have requested over 5 times for debt validation through the Consumer Federal Protection Bureau with out any verfication of a debt amount of {$590.00} Continued to report a disputed debt to the CRAFCRA violation Portfolio Recovery Services has validated this debt with the 3 Major Credit Reporting agencies without debt validation of XXXX Not only have you ignored my prior requests for validation of debt reported by the Consumer Federal Protection Bureau ( CFPB Compaint # XXXX, CFPB Complaint # XXXX or CFPB # XXXX ), but you continue to report this debt of XXXX to the credit bureaus, causing damage to my character. 

This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request Proof of your right to own/collect this alleged debt was ever owed ( {$590.00} ) Balance claimed including all fees, interest, penalties, payments or balance adjustments made to Portfolio Recovery to the balance owed of ( {$570.00} ) Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 


I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. 
I may seek damages from you if warranted. 


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

I've received a copy of my consumer report and noticed some unauthorized inquiries on my consumer report. I never gave these companies any permission to pull my credit file. Heres a list of the inquiries i want removed from my consumer report. 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. 

1 ) XXXXXXXX XXXX XXXX XX/XX/XXXX, account # XXXX. 
2 ) XXXX XXXX, closed XX/XX/XXXX, account # XXXX 3 ) XXXX XXXX XXXXXX/XX/XXXX, account # XXXX 4 ) XXXX XXXX XXXX XX/XX/XXXX, account # XXXX 5 ) XXXX, XX/XX/XXXX, account # XXXX 6 ) XXXX XXXX, XX/XX/XXXX, account # XXXX 7 ) XXXX  XXXX, XX/XX/XXXX, account # XXXX 8 ) XXXX  XXXX, account # XXXX 9 ) XXXX, account # XXXX 10 ) XXXX XXXX XXXX closed XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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: Checking or savings account

On XX/XX/XXXX, I noticed that a XXXX transaction had been transferred from my Capital One Checking account in the amount of {$850.00}. I did not authorize this transaction and immediately called Capital one on XX/XX/XXXX to report fraud. I was given a case number # XXXX and was told I would need to wait 10 days until the review was completed. 
On XX/XX/XXXX I received an email that Capital one was closing my account and I would not be able to bank with them anymore. The representative for capital one told em that it was likely they would not be able to refund me the money for the fraudulent claim. I am still waiting for the conclusion of the review.
Product: Credit reporting, credit repair services, or other personal consumer reports

ECMC is a 3rd party debt collector who's destroying my credit. Ive even attempted to send a registered security satisfy the obligation. They kept the security and never closed the account out. HELP PLEASE
Product: Debt collection

I was never mailed a bill from the original creditor. I only found out from looking at my credit report. This has affected my ability to acquire a loan as no notice was ever sent by the original creditor nor the debt collector, Transworld System Inc. 
I requested a debt validation since XX/XX/year> by certified mail and only now got a response via mail XX/XX/year> with only a bill of statement that shows my name and incomplete address with no further proof that the bill of {$1100.00} belongs to me. From the bill attached below sent by the 3rd party collector, the address doesnt have XXXX XXXX.
Product: Credit reporting

My Complaint with Equifax about XXXX damaging my credit and Equifax allowing them to continue to damage my credit. I feel that if credit reporting agency Equifax is not reporting the XXXX account correctly. I have numerous disputes to Equifax regarding Navient incorrect reporting of the account. In an earlier dispute Equifax agreed with me and updated my credit report but XXXX reporting the incorrect information which is severely damaging my credit report. I sent a forbearance letter from XXXX stating that the dates were I was suppose to make payments on the account I was in a forebearance period, but I still made payments. I am enclosing documentation of payments made to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I opened an account with XXXX XXXX XXXX to connect a land phone line at the home I leased XXXX XXXX 2014. XXXX XXXX XXXX  later called me and told me they could n't connect the service since homeowner had another phone line connected at the same address. Homeowners did n't want to disconnect their service so I hired XXXX ( internet phone line ) to connect service. 
Today checking my credit score I noticed a collection from a company called IC Systems from this account that was never connected, so from a service that I never received!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not delete the 5 XXXX from my credit report, despite the letter provided by the US Department of Education stating that they should be deleted from my credit report. The 5 student loans were transferred from XXXX to XXXX XXXX XXXX where they were rehabilitated. Upon rehabilitation any negative reporting was supposed to have been deleted from my Experian credit report. Experian has not done this. The other 2 credit bureaus already deleted this from my credit report. The 5 student loans consolidated and paid in full through XXXX XXXX XXXX XXXX. Experian needs to delete these 5 XXXX student loans from my credit report. They were not even showing on Experian until about 2 weeks ago when they randomly popped up.
Product: Debt collection

I have since XXXX 2022 tried to rectify this situation and showed cause that it was from XXXX XXXX all my information was stolen and hacked and stolen id social date of birth email addresses etc I've sent in police report to bureaus and ftc report time after time in which you refuse to remove this item from my report I understand the documents that was sent to me but that wasn't me yes they made payments etc that could've been anyone I am attaching once again a new ftc report along with police report id social and proof of address in which I've been at for over XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX. ( address : XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX ) was pursuing me for four year old credit card debt. This case was eventually brought before a judge on XX/XX/2020, and I represented myself pro se in the case vs. the company 's lawyers. The case was dismissed by the judge ( on the court docket it says 'Dismissed by Court ' ). After this, XXXX XXXX stopped pursuing me for this debt. However, XXXX XXXX is still updating my credit report each month regarding this debt. I would like XXXX XXXX to respect the judge 's decision and cease reporting this dismissed debt to my credit report. I have tried to contact both XXXX XXXX and the company 's legal firm on numerous occasions via phone and email, but I have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$9000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00}
Product: Payday loan, title loan, or personal loan

2017 i called to leave a message that i was moving out of state. i lost many files in this move. i made a change of address form at post office and did not get billed or called.
Product: Bank account or service

TD Bank authorized XXXX payments of {$1400.00}, to a school debt collector. This was done after I called and explained to the bank I do not want it authorized, do not release any funds to them. However the bank let this school debt collector take the funds from my account/debit card twice. Meanwhile that I closed both the account and card days prior, because I was advised to, by a td bank representative. The account that I reported was tampered with serval times before. Also it was explained to me, the compromised account was in no check status and taken care of. Now the bank is saying, that I authorized the payments. I reached out to the debt collector and they explained to me, the bank released the payment. TD Bank had the collector, Account Control Technology, send me a letter, stating I must sign to prove I authorized the payments, when I did not. I did n't sign anything. I brought this form to a TD bank, to attach to these payment disputes I filed. This is the proof that I never authorized any payment to be made. Td Bank suggested that I close the card and account because it was compromised. Now I 'm over drawn. They have me over drawn & now the took money from my other checking account and sent it to the one being disputed. This account that they told me was secure and setup for direct deposit, they took that money and applied it to the negative. Then told me it 's nothing they can do, because the account ca n't go into no check status, that it is in fact not closed now. I 've been dealing with this issue since XXXX XXXX. My dispute is not resolved for these wrongful charges.
Product: Checking or savings account

On XX/XX/XXXX my account was hacked and funds were instantly transferred to someones account through XXXX XXXX. It was out of the ordinary for my history. My phone line was hacked and i sent them proof of the calls. I was a victim of scam and my bank is refusing to be the slightest bit of help. I have sent them police reports, my statements, call logs to prove i was compromised. This all happened when i received a sketchy email from XXXX. I called to report it ( the XXXX support line from their legit website ) and from there the line was hacked. They took all my information and were able to send money to anyone. I work under XXXX would never do something to compromise my licensing XX/XX/XXXX Amount : {$1200.00}
Product: Mortgage

Sprout mortgage took my application charged me for appraisal fee and now I have been chasing them for XXXX months because they will not process the loan and continue to ignore or when they respond they ask new unrelated questions. My other loan has expired causing me thousands of dollars in late fees.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX  1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX