23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have written to Specialized Collection Systems several times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, asking them to CEASE and DESIST all reporting and collection notice. They never did. They are still reporting this information to the credit agency ( ies ). 

I received letters from XXXX dated around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, supposedly in response to my earlier demand notices. They all were UNRESPONSIVE to my demand and the alleged debt remains UNVALIDATED.

They're response was simply the 30 days time frame has expired, and they do not have a duty to answer my request for validation. Pay them. 
I don't recall them communicating with me other then when it showed up on my credit report. However, as a consumer I never wave my rights to requested validation or verification of any alleged debt that someone is saying I owe them.

15 USC 1692g ( c ) states : The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

I have never done business with or given Specialized Collection System permission to access any of my personal and private information. Nor did I give them permission to place inaccurate, erroneous, and damaging information on my credit report. 

I also have serious concerns and a big problem with a company ( that is not a covered entity by HIPPAs standards ) have access to my personal information and could gain private medical information by purchasing debt. 

According to HHS.gov, and HIPPA- The covered entity may perform this payment activity directly, or may carry out this function through a third party, such as a collection agency, under BUSINESS ASSOCIATE AGREEMENT. 

They refuse to provide me with the information I requested some of that information will tell me who they are and that they have authority. They can be anyone, ( which is how I see them ) typing something up and saying I owe them money. 

XXXX, also sent with there letters, several copies of documents seemly invoices with different medical entities names on them. 
However, I noticed one of the alleged invoices had their name ( SCS ) as the alleged company that rendered medical services supposedly to me. WHAT?

15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], all reference to this account must be deleted and completely removed from my consumer file, and a copy of such deletion request shall be sent to me immediately. 

I have requested XXXX to CEASE and DESIST all reporting and collection notice.
Product: Mortgage

XX/XX/XXXX      XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , Arkansas  XXXX ,  Re   :  XX/XX/XXXX   letter from  GMAC on  " NOTICE OF RIGHT TO FORECLOSE "   XX/XX/XXXX   from  XXXX   XXXX   XXXX ,  GMAC loan  #  XXXX  /  XXXX   XXXX   XXXX  ) It was a sub-prime loan 2 )  XXXX  on firs t mort. 3  )  XXXX  on HELOC  ,4 ) I t had an ARM teaser rate for 2 years and then went up {$400.00} per month  5 ) It   was a conventional loan with no default protectio n ,6 ) I t had a balloon payment of  XXXX  at  XXXX  yrs. maturity when I will be  XXXX  yrs old! ( Called packing in the industry )  7 ) T he loan in question appears to have been premeditatedly designed, engineered and deliberately fabricated for failure knowing I would never live long enough to satisfy the debt!  8  ) When one looks at the scenario ; it is  RACIAL PROFILING & P REDATORY lending of the highest order on the elderly! Today I am an  XXXX   XXXX   XXXX   XXXX   XXXX  Veteran of the  XXXX  (  XXXX  ) with an   XXXX   XXXX   who would like to spend what time I have left in my home of  XXXX  yrs! A  XXXX   XXXX  to evict me from my home on was issued    XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I noticed an unusual drop of about 50 points on XXXX  and transunion. Today on XX/XX/2021 I noticed it dropped again. I believe these recurring errors are due to the algorithymns written with software bugs. When I take an unusually high balance out on my XXXX cards the sytem automatically drops my credit before the billing cycle is completed, instead of waiting to see what my payment is. I always XXXX  out the balances. 
My XXXX cards showed balances adding up to over XXXX but they were both XXXX  out before the scheduled payment date. I have not missed a single mortgage payment on my home that I own for over 4 years. My car lease is always paid on time.
Product: Debt collection

Synchrony bank shared my nonpublic personal information with a debt collection agency who is now suing me for an alleged debt. According to XXXX, this information can not be shared with a nonaffiliated third party unless myself the consumer was beforehand given the right to opt out of sharing of this information along with an explanation on how to exercise my right to nondisclosure. According to the terms of the alleged contact furnished to me by the debt collection agency, I was not given the right to opt out nor the instructions on how to do so. Due to this matter, Synchrony bank is in violation of my consumer rights.
Product: Student loan

I have a student loan being serviced with Navient. My payments are due on the XXXX of every month. This month, XXXX, I was working a lot of hours and realized I forgot to make my payment. When I logged on XX/XX/19 I noticed my loan balance was {$140.00} higher than it was last month. I've been tracking the balance and payment application for a while. I assume this is a late fee, but I was only 3 days late and this seems really excessive. I tried calling customer service and the number I called had two options one to  speak with someone about loan forgiveness and the other sent me to survey about vacation and when I declined it hung up. I tried calling back several times, and each time received a different message and was not able to get the call to go through. I've made several complaints against the Navient as I feel the payments aren't being applied correctly and I've see what appears to be interest charges I don't understand. I've called in the past and have not been able to get a sufficient explanation. Now it appears I can't even speak with anyone regarding my account. I know they have a lot of class action law suites open but what are borrows who have them supposed to do if they can't even speak to someone about their loans anymore?
Product: Debt collection

Account in question : XXXX/XXXX  This account is continuously reporting charge off XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. This account should only report a charge off for the month of XX/XX/2021. This is having a substantial effect of me date of last activity which will show me when this account falls off of my report. 
I have reported several times that this account is inaccurate and all they have done was send me a letter stating that the account was updated or that it was accurate which obviously it is not. I reported this account to Transunion and it came back on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. After disputing this account 5 times this year and having nothing done to correct the issue, which you can see in the document that I have attached from Transunion. 
At this point, I do not want to waste anymore of my time or money disputing this information because they have had 5 time to actually verify and fix this information which they have not done so at this point the only way to solve this issue is to just delete the account from my report and send me an updated copy of my credit report with this account deleted.
Product: Mortgage

From beginning of XX/XX/XXXX up until XX/XX/XXXX, I have been trying to work with my lender to try to get something done about the property. I informed them back in the early party of XX/XX/XXXX that i had been laid off of my job and i needed to do a loan modification to try and offset what i new would happen inevitably. I tried to do the modification, but eventually my unemployment ran out, so i began to look for a buyer, when i could not find a buyer on my own, i recently went to a Realtor. I was under the impression that i had to pay a realtor to actually list the property. I do not deny that a lot of this situation is procrastination on my part, but i need this short sale to make the matter right. 
The property is listed at {$130000.00} and we have had a lot of activity with phone calls and showings. I currently have an offer that i would like for the lender to review.
Product: Payday loan, title loan, personal loan, or advance loan

The loan was for the amount of {$100.00}. I made a payment and my account was never updated. I have tried to reach out to someone multiple times regarding the issue but I never got the proper help regarding this issue.
Product: Credit reporting or other personal consumer reports

Im writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Also known as XXXX XXXX XXXX XXXXXXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts. This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law.
Product: Mortgage

I recently applied for a COVID temporary hardship forbearance with my servicer Select Portfolio Servicing , Inc. XXXX SPS ). The only terms offered for my forbearance was for three months with the full amount due at the end of the forbearance period. There are two issues with this offer. 
1. The CARES Act requires a 6 month forbearance period with a potential expansion to 1 year. Nowhere in the Forbearance Plan that was offerer or in communications with SPS is there any mention of a possible 6 month forbearance. 
2. The idea that anyone who is struggling enough to require a forbearance due to COVID would at the same time be able to save up and be able to pay a balloon payment at the end of the forbearance period is ridiculous. It does not comply with the spirit of the CARES Act and is an abusive practice under federal law and more specifically UDAAP. There are many servicers in the industry that are moving any payments that are forbeared to the end of the loan and due at maturity. Recently, the GSEs even provided guidance on exactly how to take such an action on a conventional loan. SPS also goes on the include language that indicates the borrower is responsible for taxes. It is very confusing on whether that means that even if I am escrowing my taxes and insurance whether I still need to be prepared to make my property tax payments ( even though there may already be funds built into my escrow account ).
Product: Debt collection

Portfolio Recovery Debt Collection harassment of the debtor for credit card charge-offs issued by XXXX XXXX such as XXXX XXXX XXXX. I am a divorced male XXXX senior citizen living on social security. I have a difficult time paying for XXXX and the XXXX XXXX to minimize the XXXX of XXXX. I was XXXX   for complications of XXXX for several weeks and spent six weeks in a XXXX XXXX. When I returned home my apartment was ransacked. Social security card, passport, and driver 's license were among the items missing. A XXXX XXXX XXXX account was opened and merchandise purchased. I don't remember opening up this account. XXXX XXXX informed me the account was in collections. I began to receive multiple robocalls each day on my cellphone from different phone numbers. I answered the phone the call on my cellphone and immediately the call would terminate. Unless the number matched a contact in cellphone I just blocked the number. As a result of this continued harassment, I missed an important call from XXXX XXXX XXXX provider to inform me they had not received payment for the month. Within a week XXXX XXXX XXXX provider canceled the drug coverage.  I would have to wait until open enrollment for coverage.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$370000.00}
Product: Credit card

Chase ran a promotion of XXXX bonus points for spending {$8000.00} in 3 months for the Chase Ink Business Preferred ( CIBP ) credit card XXXX : I applied for a CIBP credit card. 
XXXX : Promotion of XXXX bonus points ended. 
XXXX : Chase approved and opened my account. 

XXXX : I noticed that though I completed the {$8000.00} spending requirement, Chase was only awarding me XXXX bonus points. 

XXXX : Sent 4 messages to Chase. Chase repeatedly responded that because my account was opened on XXXX and not before XXXX, I would only receive XXXX bonus points instead of XXXX. 

My arguments : 1. My eligibility for the XXXX bonus points should be based on my application date ( XXXX ), not account open date ( XXXX ). 
2. The XXXX bonus points promotion was valid until XXXX. Nowhere in Chase 's advertisement says that applications received before XXXX would only get XXXX bonus points if the account was not opened by XXXX. 
3. The customer is not in control of when Chase approves and opens an account. It is irresponsible of Chase to blame the account opening date on the customer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX, nj XXXX I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have my permission, I have the accounts listed below. These inquiries have no permissible purpose to be on my credit report.I wish to have these inquiries deleted, due to violation of 15 USC 168 1b. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have requested my hand written signature from these companies and no one have mailed me any papperwork that i signed
Product: Mortgage

Currently, Mr. Cooper has our home up for sale on XX/XX/2022, even after we sent them a complete/full modification package. They did not send me any proposal mortgage modification packages. We send out monthly updates on our income and what is required of us by mr. Cooper. We want to keep our home since we have no place to live anymore. we ask to give us an affordable modification, we have the income to pay the Mortgage loan.
Product: Debt collection

I was a victim of identity theft. issue was taken care of but am still getting calls from collectors about it
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX  charged usury rate of 97.10 % on a car loan.. i got behind 41 days and they repossessed car
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I found inaccuracies in certain pieces of information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), it is imperative that the three credit bureaus verify these accounts. Failing to validate these reporting accounts within the legally specified timeframe without presenting evidence is not permissible. The following accounts, which are listed on my credit report, require investigation and correction due to erroneous reporting. 
XXXX XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXXXXXX Balance : {$370.00}
Product: Debt collection

I co-signed a private student loan from Navient in XX/XX/XXXX, which was discharged in bankruptcy in XX/XX/XXXX. Navient continues to try to collect, at first directly, and now through third parties, despite multiple letters from my bankruptcy lawyer. When confronted with this information, their agents and third parties claim ignorance, and then a few weeks later a different third party attempts to collect. What is even more annoying, as I try to rebuild my credit, is that though they list the debt on my credit report as Charged Off, they update the balance every month as if it was still collecting interest, causing a negative credit impact. You can't write off a debt and still collect interest on it, that's illogical and unethical and probably illegal, I would think. It's certainly annoying.
Product: Credit reporting or other personal consumer reports

Experian has XXXX scores and its been more than XXXX they dont update unless i pay for it. I bought a car last XXXX and got some letters from some financial center with my credit score lower than XXXX and its not accurate with XXXX report. Fico the same situation. Called them but the machine never transfer the calls. I am a single mom that pays my bills on time and I need this credits score be accurate. As experian and Fico are lying about my credit and reporting them wrong. With this irresponsible behavior from this XXXX companies I almost didnt get approve for my new car. 
Also i would like to request the removal from all hard inquiries the because of this Non Accurate Information. 
Thank you for your attention and looking forward to hear from you. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

some how since XXXX of 2022 trans union erased my credit score i contact them many times they claim that they never had any score or credit history on my name i told them before XXXX every month my mortgage and credit cards and car leasing was reported ther so they told i need to call the banks to tell them that they need to retort it so i called them and they told me that they doing it every month for the last 20 plus years on my name. i will send you my also credit report that trans union have my score and all my loans, please help me here cause im getting denied on loans. 
thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/XXXXXX/XX/XXXX2019 my credit score was XXXX on Friday XX/XX/XXXXXX/XX/XXXX Transunion, XXXX, XXXX  dropped my score from 34 to as much as  89 points. There was no additional information added or deleted during this time period except that my Credit Card balances were reduced slightly which should increase my score. Upon contacting Transunion they stated that is not information we can provide you. Predatory credit reporting is the biggest consumer ripoff in the United States.; I want the score returned to the mid 600s or a legitimate explanation why it is not!
Product: Credit reporting, credit repair services, or other personal consumer reports

A few ago I was a victim of identity theft and I was checking my credit report and seen that I have a charge with a West Lake Financial Service from a auto loan. I have never heard if this company, and also filed an identity theft dispute, and also called Westlake but they were rude and hung up on me several times as well as cussing and being  very rude. I still have it reporting on my XXXX credit report and I will like it deleted.
Product: Credit card or prepaid card

On XX/XX/2019 I tried to buy something on XXXX I tried to use the prime service, instead XXXX charged me for the prime membership ( XXXX ) and XXXX dollars for the items from their website. ( XXXX ) After a few minutes I noticed my card was declined because of the XXXX prime membership that I didnt count with the XXXX dollar purchase. 

So I cancelled the items and prime membership. The prime membership was refunded immediately but the XXXX dollars are missing. 

XXXX says they didnt charge me. 
The bank has the funds in hold. 
I saw a hold but not the XXXX dollars. 
The bank claims their disputing the XXXX dollar charge. 
If XXXX didnt charge me where is my XXXX dollars?
Product: Credit card or prepaid card

Bank of America Debit Card and Pandemic Unemployment Assistance Funds Debit card was never used and never funded My Independent Contractor unemployment claim filed in XX/XX/2020 should have resulted in XXXX retroactive benefits of {$600.00} per week for the months of XX/XX/2020 through XXXX of 2020. 

Weekly benefits were direct deposited by XXXX for XX/XX/2020 through XX/XX/2020 A XXXX  weekly benefit of {$600.00} was direct deposited on XX/XX/2020 and an amount of {$1800.00} was direct deposited XX/XX/2020. 

A total of 50 weeks XXXX should have been received or {$30000.00}. I received {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit Reporting act, Account # XXXX XXXX XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions ( I DID NOT GIVE THEM WRITTEN PERMISSION ) 15U.S.C 1681 ( 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 crime which antedates the report by more than seven year