23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

What Is this complain about? 

Pre-XXXX  Successful Loan Modification on my family residence townhouse, the 1st Mortgage holder was XXXX XXXX XXXX. This previous 1st Mortgage was secured by a Deed of Trust, that is now more than 10 years old. There is a lien recorded due to this old 1st XXXX XXXX XXXX that still exists and needs to be removed now when XXXX  XXXX Claim & The legal basis of the claim now is made known via a XXXX  XXXX Point of Contact to be specified by them as per this request via this CFPB protocol. 

The XXXX Loan Modification was done via XXXX 1st Mortgage Loan who assigned the modified loan to XXXX ( XXXX Subsidiary ). About 5 years ago, this modified loan was purchased by XXXX of Texas who still this new modified 1st Mortgage holder. 

This current modified 1st Mortgage is current and always been so. The current monthly payment as specified by XXXX is $ XXXXMonth with {$600.00} for 1st Mortgage Payment and XXXX XXXX/Mo for Escrow. 


What Happened? 

Until XXXX, XXXX when XXXX  XXXX XXXX  selected 3rd Party Debt Collector, for more than 10 years, XXXX  XXXX XXXX never contacted me regarding payment on their claim. SPS.COM weekly mailing of monthly payment does not specify what the XXXX XXXX Claim currently is and the legal basis of that claim. 

This issue needs to be specified and clarified by a qualified XXXX  XXXX XXXX POC, to determine legimacy and fairness by a specified POC for XXXX  XXXX XXXX 

Discussed by qualified legal representative for myself & family. Once this XXXX XXXX  claim and the legal basis is undestoods, steps than can be taken to legally settle a just monetary settlement so that the XXXX  XXXX lien can be removed legally. 
SPS.COM is a 3rd party debt collector located in XXXX XXXX XXXX, UT. Each week they send a weekly payment due billing on behalf of XXXX  XXXX XXXX that does not specify either the " XXXX XXXX Claim '' currently or the legal basis of that claim. 

For example, if legal basis of the XXXX  XXXX XXXX claim is that they are exampt from the State of Virginia Statuatory limitation of 7 years, there needs to be legal justification for such XXXX XXXX XXXX examption claim via conversation with a qualified XXXX  XXXX XXXX POC and my legal representative verbally and if necessary in writing. 

What Happened TOPIC 02 : State of Virginia Attorney General 's Office Consumer Complaint No : XXXX XXXX XXXX XXXX XXXX SPS.COM Secondly, Since the XXXX Mortgage Forebearance is administered by the Office of Attorney General in Virginia, I filed a complaint against SPS.COM, in XXXX, XXXX for assistance in receiving such legal clarification.
Product: Credit reporting or other personal consumer reports

XXXX willfully fail to comply with FCRA .I would like to know how did you verify the information XXXX did not do an accurate investigation in providing the factual details to my dispute. Iam distressed that you have included these accounts with inaccurate information for all the accounts listed I would respectfully request you to provide proof of the alleged items specifically the contracts bearing my signature and address. If you can not provide the contracts the items must be deleted asap .these are the following accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX If you continue to violate the FCRA laws you will be held liable for actual damages and attorney fees. The address on the contracts must reflect all the address you publish on my r credit report
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of XXXX XXXX XXXX to XXXX a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXX to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXX to XXXX XXXX XXXX ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for XXXX XXXX I demand the following actions, without delay : XXXX a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXX a comprehensive written explanation detailing your investigation process and results. 
XXXX remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the XXXX for these accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting a block on the false reporting of a late payment on my account under 15 USC 1681c-2 ( a ) due to violations in disclosure requirements and false documentation. Per 15 USC 1637 ( b ), I am entitled to receive specific disclosures mailed or delivered at least 21 days prior to any payment due date. According to 15 USC 1666b, without these disclosures, there is no legal basis for a late payment. Since I did not receive these disclosures, any reported late payment is unsupported, making it a false entry. Under 18 USC 1001 ( a ) ( 3 ), knowingly submitting or maintaining false information is prohibited. Reporting a late payment without compliance with disclosure laws constitutes a materially false entry. In light of these violations, please initiate an immediate block on this false reporting as mandated by 15 USC 1681c-2 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Customer ID : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Early Warnings LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank XXXX XXXX XXXX XXXXXXXX ( Open date : XX/XX/XXXX ) Routing Number : XXXX Account Number : XXXX ( Close Date : XX/XX/XXXX ) I was given a fraudulent check after doing work for them after two months. We were moving furniture and it seemed legitimate. He said he would pay me XXXX dollars for me working with him on the project. When I deposited it I was told nothing about it not being legitimate. I noticed that the money never was put into my checking account and then a week or so later saw that my entire checking account was closed. I was told nothing of what happened and I was told by the police after trying to file a report that it was technically not a crime. I am trying to dispute this Checking Account Fraud title taken off my record. This is stopping me from going to XXXX, building my credit, Cashing checks from my job, and just overall being a productive citizen. All I ask is that you may please remove this. 

Thank you Sincerely XXXX XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

BARCLAYS BANK DELAWARE XXXX, BARCLAYS BANK DELAWARE XXXX
Product: Credit reporting, credit repair services, 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. 

ACCOUNT : XXXX XXXX XXXX # XXXX and ACCOUNT XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

On XX/XX/2019, I had let the auto insurance cancel that I had with XXXX XXXX, since I had signed up with XXXX XXXX. When I spoke to them they informed that they insured me for 10 days after the XXXX, which i never requested, i was told that they do that as the contract allows them to. I asked them to send me the contract and circle where it gives them that right, they send the original document however where not able to show the clause that allows them to cover me once the policy expires on the date of payment. they continue to refuse to remove the amount they say i owe and have no sent it to a collection agency. They are now under XXXX XXXX and are showing to be XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I traded in my car, a XXXX GMC XXXX on XX/XX/XXXX at a GM dealership when purchasing another GM car from them. At this time, the dealership was responsible for closing out my lease/loan and taking ownership of the car. 

GM Financial then reported the account as delinquent in XXXX, when the account should have been long closed out, I no longer owned the car, and the account had a {$0.00} balance. The account was not delinquent, I was no longer the owner of the car nor responsible for the lease/loan, and the account in question had a {$0.00} balance. There was no delinquency. 

I have called GM Financial repeatedly over the last few months to have this corrected, each time being told that I need to wait 30 days to see this corrected in my credit report. It never has been. I called again today, at which point I was told there was nothing further they could do and that I would need to file disputes with the credit bureaus to have this corrected.
Product: Mortgage

Quicken loans ( XXXX ) refused to provide a loan estimate when requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact IRS to take measures. I soon received a call from a collection company as well that I owed money. Everything was making sense after I found out my identity had been compromised. My name and social security have been used for quite some time now and there were several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. XXXX XXXX {$50000.00} XXXX  XXXX {$550.00} XXXX  XXXX {$4500.00}
Product: Prepaid card

Somehow my number was stolen and used to purchase merchandise online. I immediately noticed the charge and tried to call to get it figured out. I get my social security survivor benefits through Direct Express, and as far as I can tell so does anyone else who does n't do direct deposit. My issue with this company is that they have only one way to get a hold of them, one phone number. I am on day 12 of trying to get this money back that was stolen from me. I call every single day, at least 3 times, and the automated operator who comes on when they transfer you to a tier XXXX agent, just says it 's too busy, call back later, and hangs up. I have only made it through twice, and that did n't go well. They re saying it will be at least 8 weeks to refund the money back to my account. I do n't understand why they have that right, I feel like i 'm being victimized by them, I have had no help whatsoever in this matter. I even got the address to where the stolen merchandise was sent, and they don, t care, did n't want the info.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I am a TD bank member and I had an issue with a company that was withdrawing from my account without my authorization and was taking out 4 different payments this also caused me to have overdraft fees. I went into my local branch to clear up the matter and they explained they could not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : : XX/XX/2013 The actions were taken against me as if i was doing fraudulent activities with my account but XXXX XXXX XXXX, but the account was closed per XXXX before because of XXXX allowing someone on the inside of the bank to take money from my account.. So they basically told me to closed one account to open an whole new account so the problem could stop but it did n't stop there ... So i closed the account all together.,
Product: Credit card

I received a balance transfer offer from Discover and before I took advantage of the offer I called Discover customer service to check on how the payment apply because I had some balance on high interest rate. They assured to me that the payment apply to the high interest balance first till it paid off and then apply the payment to the lower interest. I got this confirmation twice from XXXX different persons. I called the third time to transfer the balance and to confirm how the payment is applied to the balance. Based on XXXX confirmation I transferred some balance and signed up for automatic payment draft of {$250.00} per month to pay of the high interest balance in about one year. 
I found out later that I was misinformed and lied to and the payment that I have been making for more than 2 or so years applied to the lower interest rate first and any amount above the minimum apply to the higher interest rate to keep my balance of the higher interest rate almost unpaid. I feel that I have been ripped of my hard earning money and I was treated unfairly by Discover after being a loyal customer for almost 16 years. 
I spoke with account manager over 7 weeks ago and she promised that she will file my complain with the corporate and get back to me, when I never heard back I called gain and spoke with another account manager/ supervisor her name is XXXX and she told me straight that there is nothing I could do nor there is nothing that the corporate office will change for me, then I really felt that they have been taking my money intentionally and I was misguided by Discover.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I was telephonicaly contacted by ARA, Inc and I spoke with a XXXX on XX/XX/XXXX about a debt collection attempt. I was informed that the original creditor was XXXX, the original debt was {$6700.00} which he further stated had been written off in XXXX, and the current debt to include fees/interest is now {$15.00}, XXXX. XXXX was very courteous and respectful throughout our conversation but I informed him that I did not recall any matters which might pertain to such a debt. He left me with the impression that legal proceedings were in the process of being pursued. I stated that based on the information he provided to me the Texas Statute of Limitations which is four years would have expired in XXXX ; however, I felt I needed time to think about this matter and my rights/options in such cases. XXXX stated he would hold on to the legal " paperwork '' until the next day and I would contact him again about this matter on XX/XX/XXXX. As agreed I contacted ARA, Inc on XX/XX/XXXX and asked for XXXX. I was told XXXX was in a meeting but XXXX ( sp? ) who I was speaking with stated he was a manager and he could help me. I informed XXXX that based on such limited verbal information I had no alternative but to dispute the debt. My intention was to let ARA know that I would in writing request validation, request essential specific information, and at this point dispute this debt. I also asked him if this was a " Time-Bared '' debt which he refused to answer ( I believe federal law requires him to tell the truth which he would not ). Unfortunately, XXXX then became extremely aggressive and rudely and repeatedly stated " XXXX, you owe this debt '' without letting me talk. He hung up on me.
Product: Credit card

Hi SYNCB/TJX COS DC ; I was shocked TODAY when I reviewed my credit report and found late payment on the dates below : XXXX AND XX/XX/year>. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.