23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

SELECT PORFOLIO SERVICING INC VIOLATION OF PRESIDENT XXXX XXXX MORATORIUM OF FORECLOSURE AND EVICTION. 

CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX  XXXX XXXX Washington, DC XXXX Ref : Property XXXX XXXX XXXX XXXX XXXX FL XXXX SPS # XXXX XXXX  XXXX XXXX # XXXX Foreclosure case # XXXX XXXX XXXX Mortgage MIN # XXXX This complaint is to report SELECT PORTFOLIO SERVICING INC ( SPS ) violation of XXXX XXXX existing order of FORECLOSURE AND EVICTION MORATORIUM by resetting Foreclosure Sale on XX/XX/XXXX. 

On XX/XX/XXXX, the XXXX XXXX announced that it coordinated with three federal agenciesthe Department of Housing and Urban Development ( HUD ), the Department of Veterans Affairs ( VA XXXX, and the Department of Agriculture ( USDA XXXX to extend their existing foreclosure moratoriums through at least XX/XX/XXXX. 
The action of Foreclosure Sale seeking to foreclose and evict a Cerebral Palsy boy and his family, who has been severely impacted by the Pandemic of Covid-19. 

According to the Notice of Foreclosure sale published by SPSs disgraced attorneys XXXX XXXX XXXX and XXXX XXXX, the foreclosure it is set to be held on XX/XX/XXXX at XXXX. See attachment 1- NOTICE OF FORECLOSURE SALE dated XX/XX/XXXX. 

Under a misleading order called ORDER ON PLAINTIFF MOTION TO CANCEL FORECLOSURE CASE to evade XXXX Foreclosure and Eviction Moratorium Executive order. 

THIS CAUSE having come before the Court upon Plaintiffs Motion to Reschedule Foreclosure Sale, filed XX/XX/XXXX XXXX the Motion ), and this Court having reviewed the Motion and the file, and being otherwise advised in the premises, it is hereby : ORDERED AND ADJUDGED that : 1. Plaintiffs Motion to Reschedule Foreclosure Sale is hereby GRANTED. 
2. The foreclosure sale is hereby rescheduled for XX/XX/XXXX. See attachment 2 On XX/XX/XXXX SELECT PORTFOLIO SERVICING INC open a third ( 3rd ) Wrongful Foreclosure case XXXX XXXX vs XXXX XXXX  on behalf of XXXX XXXX  AS TRUSTEE for the XXXX  XXXX. 

Since XXXX, my property has been the victim of XXXX  ( XXXX  ) WRONGFUL FORECLOSURE. The undersigned have been asking SPS to open a profound review to the above account and order its legal team to stop/dismiss legal proceedings of Foreclosure case # XXXX. 

There are fatal errors in your claim regarding this account that needs to be seriously addressed to avoid causing more harm to my family, with a nonsense litigation. This malicious litigation, WRONGFUL FORECLOSURE has brought a dark cloud over SPS and its reputation. See attachment 3 I am requesting that SPS comply with Executive order of President Joe Biden on foreclosure and Eviction Moratorium or filing a voluntary dismissal of the Wrongful Foreclosure case # XXXX and release my property XXXX XXXX XXXX XXXX XXXX FL XXXX from those those malicious claims. My family is currently passing from a difficult time through this pandemic of XXXX and the lost of a loved one. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I contacted Mortgage Center LLC, as advised by XXXX XXXX XXXX, in regards to a mortgage pre-qualification. When I met with the loan processor I explained I had a foreclosure and that my mother, who lived in Minnesota at the time, and I were purchasing the property. I provided documentation of the Sheriffs sale, as well as a letter from my mother 's insurance company documenting where the down payment was going to be paid from, and was provided a pre-qualification letter from Mortgage Center LLC. 
By XX/XX/XXXX we had identified a property and began the purchasing process, looking to close in XX/XX/XXXX. Throughout the process we were asked for the same documents multiple times. As we approached our closing date, but had not received a clear to close, I was contacted by our loan processor stating she had filed the wrong mortgage application. She filed a conventional mortgage application, but stated she needed to file a FHA mortgage application due to the foreclosure, which was over four years past, on my credit report. She also explained the appraisal that we paid for was not valid through FHA and that we needed to secure another appraisal. 
The FHA appraisal was completed and there were still multiple issues with regards to communication with the mortgage company. My realtor, my mother 's insurance agent, agents of the title company, myself and mother worked very hard to complete the process with the mortgage company, only to have terms change repeatedly. When we finally secured a closing date, we were advised by Mortgage Center LLC staff to pay closing cost with the funds they could validate in our personal accounts and apply for a loan reamortization once we received our funds from the insurance company, as the title company would not accept a third party check. 
The funds were secured from the insurance company and sent to Mortgage Center LLC. We were later contacted and informed they would return our funds as our mortgage could not be modified because it was an FHA loan. We were instructed to apply for a modification in two years and pay all associated fees. The entire process has cost my mother and I additional funds, unnecessarily, due to Mortgage Center staff 's lack of knowledge about their business and professionalism. I am concerned about possible fraud and unethical lending practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year around XXXX, my bank informed me that my information had been breached and suggested that I change passwords and open a new account. I did this. However, I noticed my credit score dropping, and started receiving mail from debt collectors and other lenders regarding accounts that I had not opened. I tried to take care of these thing myself, but the credit reporting agencies didn't bother to listen. I seek your aide and guidance in helping me get these items removed from my reports. I am a victim of the XXXX data breach..
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax Credit Reporting Agency have been non-compliant with my request for the removal of the disputed fraudulent information that are being reported on my Credit File. The Equifax Credit Bureau have been reporting inaccurate information that have been already deleted from the other Credit Bureaus. Only if Equifax, have been keeping accurate credit Information they should have never been reporting incorrect information on a consumer 's Credit File. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information on a consumer 's Credit File. However, the Equifax Credit Bureaus have been doing nothing and have even claimed that the disputed inquiries belong to me and yet they have not sent me copies of proof of their verification. I am now submitting this CFPB complaint to request to Equifax to remove the disputed inquiries completely from my Credit File. If Equifax do not comply with the request, please understand I start filing legal actions. 
Delete the following inquiries : XXXX date of inquiry XX/XX/2021 XXXX date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account XXXX XXXXXXXXXXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX, XXXX XXXX account XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX approved a temporary forbearance for my mortgage loan payments on my property located at XXXX XXXX XXXX XXXX, CA XXXX. The forebearance agreement set my mortgage obligation as {$0.00} beginning on XX/XX/2020 and ending on XX/XX/2020. My payments were to resume on XX/XX/2020. My loan servicer is Nationstar Mortgage LLC d/b/a Mr.Cooper. On XX/XX/2020, I attempted to make my mortgage payment online through Mr. Cooper 's website. The website would not accept my payment because the system was recognizing my payment as being 3 months delinquent, and, therefore, automatically rejected my payment. Therefore, I called Mr. Cooper 's customer service department and informed them of my problem on the website and was told that I needed to contact XXXX and have XXXX contact Mr. Cooper and authorize Mr. Cooper to accept my mortgage payment. On approximately XX/XX/2020 I contacted XXXX. The XXXX representative said there would be authorization for payment acceptance put in the notes which would enable Mr. Cooper to accept my payment. On XX/XX/2020, Mr. Cooper accepted my regularly scheduled payment per XXXX 's direction. In XXXX, Mr. Cooper 's would not accept my regularly scheduled payment ; therefore, on XX/XX/2020, I submitted 3 payments of {$4200.00}. On XX/XX/2020, XXXX  XXXX contacted Mr. Cooper for payment history and was told that I had 3 thirty day late payments. XXXX XXXX, my point of contact at XXXX, told me on XX/XX/2020 that payments deferred due to forebearance are not reported as late payments to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit reports, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Identify theft item ( s ) resulting from the identity theft that should be blocked and deleted. 


XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : XXXX XXXX. ) XXXX XXXX XXXX Acct : 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 Please delete/block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX XXXX XXXX Sincerely , XXXX XXXX XXXX : XXXX DOB : XX/XX/1979
Product: Debt collection

An apartment was rented in Nevada under someones identity, but they used my name and social security number to register the electricity bill. From XX/XX/XXXX to XX/XX/XXXX the account accumulated late charges until the utility company discontinued the service. I was informed about 1 month ago that this was done without my knowledge and was identity theft and fraudulent use of my information. I have disputed the bill with the energy company, the collection agency, and with the XXXX credit bureau.
Product: Student loan

I have sent over a dozen emails and made numerous telephone calls to Fedloan to have them update the number of PSLF qualifying payments that have been made since XX/XX/XXXX. This correspondence has taken place over the last 18 months. Fedloan has acknowledged that my Employment Certification Form beginning XXXX XXXX has been approved, although I have never received it. As of today, XX/XX/XXXX, my approval letter should be sent via mail in 7-10 days, but I have been told that before as well, and did not receive.

Fedloan states that the payments made to my previous servicer have not yet been assessed. When my loans transferred to Fedloan, my previous payment history was sent to them in a way that their system was not able to automatically review the previous payments and update the the PSLF qualifying payments. This prompted their system to submit a request to have the qualifying payments reviewed manually. The review is still underway and there is no update available. 
I believe that 18 months is a sufficient amount of time to accomplish this task. It is not appropriate that they can not update me with any information, I receive the same response each and every time. Thus far, my PSLF qualifying payments is eight, that only reflects the Employment Certification form that was sent again from the same employer last year.

Fedloan documents each and every telephone call, they have the number of times I have called and inquired. I have many of the emails saved and printed, they were sent directly through my account in " contact us '' section of Fedloan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are medical debts from XXXX XXXX XXXX XXXXXXXX showing on all of my credit reports such as with XXXX XXXX, XXXX, and Experian. This medical debt does not belong to me. I have tried in vain to get this corrected with the credit reporting agencies via proper disputes, but no appropriate action was taken. As per the Fair Debt Collection Practices Act ( FDCPA ) and other State and Federal Debt Collection Laws it is in violation of my rights to have inaccurate and medical information appearing on my credit file such as debt that is alleged from a hospital. This is also, in violation of my medical privacy as per the XXXX XXXX XXXX XXXX as this debt is not mine and I have not given consent for any establishment to share medical data pertaining to me. Furthermore, this is a third-party collection that I have no contract or relationship with and is not obligated to them. I seek expeditious removal of these erroneous items from my credit reports.
Product: Vehicle loan or lease

My wife and I leased a XXXX from a XXXX dealership in XXXX in XX/XX/2018. We were very up front that we were a active duty family and moved pretty consistently. We were advised that having a lease would not be an issue since all of the fees are paid up front or at the end. Fast forward two years later and my payments went up {$40.00} dollars and no one could tell me why my payment had changed when nothing had changed. This was before XXXX and I finally was able to get an answer after XXXX XXXXXXXX XXXX Day. A rather rude agent told me that my payment had an additional sales tax added to the payment. I told him that should not have happened considering that nothing had changed on my account. Temporarily the address had changed and he claimed that that was the reason. There was nothing he could do but I could contact the tax authority near my home for help. The car is registered through our home state and has been for years. There was no disclosure sent to my husband or I and the statements do not show where the the fees were added or how much. Half of the statements are missing and I have requested them with no avail. All I want is for my payments to be back to where they where and for the company to fix their dishonesty. I will definitely not be buying this car at the end of my term.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize an account and it appears as derogatory and in collection resulting in adverse impact top my credit score.
Product: Debt collection

SW credit systems no longer has the account and still reporting on my credit report after I disputed it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history and demand that you investigate the accuracy of the accounts listed below : XXXX XXXX account number : XXXXXXXX XXXX XXXXXXXX. account number : XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCR

A ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects
consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Here I leave two Attachments as proof. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Synchrony Financial issued two of my credit cards, I made on time payments and early payoffs and was a great customer overall. This past year I paid my lowes card ( over XXXX balance out of XXXX ) to XXXX and also had paid off my care credit card one year prior. Synchrony then Decreased my credit limits from XXXX on my lowes card and XXXX on my care credit down to XXXX limit each. I complained and they basically told me to pound sand. Now recently they closed one of my accounts altogether. Synchrony continues practice this same story on thousands of Americans impacting their credit scores nationwide with their shady and harmful practices. I urge CFPB to investigate and take action as this lender clearly intends to do more harm to the American people than help. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

Borrowed money from XXXX XXXX and now they are suing me for {$6000.00} more. I have borrowed a total of over {$4000.00} and have paid in over {$11000.00}. They are charging 279 % APR. In the fine print it says that 31 % is interest and tje rest is a customary fee! They are a predatory company. I have paid well over what is owed. How can I fight this and help others from falling into the same trap?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information currently reported on my credit file by XXXX XXXX XXXX XXXX  was my original lender for a loan on my XXXX XXXX XXXX. However, as of XX/XX/XXXX, I successfully refinanced this loan with XXXX  XXXX XXXX XXXX. Despite the refinance, XXXX XXXX  is still requesting payments, which is incorrect since the account was settled and transferred to the new lender. 

Please investigate this matter and update my credit report accordingly, as it is essential that my financial records reflect the accurate status of the loan. I have enclosed copies of the relevant documentation, including the refinance agreement with XXXX XXXX XXXX XXXX, for your reference. 

Thank you for your prompt attention to this issue. I would appreciate written confirmation once the matter has been resolved.
Product: Debt collection

I am reporting that a XXXX XXXX of Credit ( Account XXXX. XXXX ) was fraudulently opened in my name. On XX/XX/2024, I discovered this when a collection account from BOUNCE AI INC appeared on my credit report. I did not open this account or authorize any charges. I received no communication through email, phone, or mail about the account or the charges. This is a clear case of identity theft. I have been a victim of past data breaches, including XXXX and XXXX, which may have led to the misuse of my personal information. I request an immediate investigation, the removal of the fraudulent account, and the removal of any collections reported on my credit. Please provide any information about this accounts opening and charges. I am also submitting my FTC Identity Theft Affidavit and a police report for reference. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 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