23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NE XXXX Phone : ( XXXX ) XXXX This firm of " attorneys '' buys portfolios at cents per dollar owed, from local banks and credit card companies and then pursues to sue consumers with little notification until they are served for court. 
I agreed in court to pay what they claimed I owed on a small credit card debt acquired over 7 years ago After court fees, the balance they claim I owed was approximately XXXX I paid XXXX/mo by check from XX/XX/XXXX to XX/XX/XXXX They had never disclosed to me where payments were to go, an account # or bal due after each payment or inquiry I made through the years so I mailed the checks to the office address above with just the court case number provided. 

I have emailed them several times requesting balance due with no response. I have never received any updates by mail over the last 14 months Based on my own estimation and math, my last payment was to be for XX/XX/XXXX. I mailed the payment at the end of XX/XX/XXXX - with a note stating this will be my last XXXX payment to date XX/XX/XXXX that check has not been cashed I began a series of email to XXXX XXXX  to confirm payment - they have yet to address my inquiry I have now emailed them at least 5 times : -- -- -- -- Original message -- -- -- -- From : XXXX <XXXX> Date : XX/XX/XXXX XXXX XXXX ( GMT-XXXX ) To : XXXX XXXX <XXXX> Subject : RE : 3nd Rqst Please cash my {$30.00} check this week Your firm gave me no case or acct # since the dispute was resolved XX/XX/XXXX So every XXXX check sent and deposited since then had the court case number which I had to look up so I could have a paper trail of the payments sent. 
Case # XXXX Ive asked at least twice in XX/XX/XXXX via email and phone message for a balance due never received a reply from your firm on each occasion. 
Based on my calculations this check is the final XXXX payment to you It seems odd and suspicious, you have not yet deposited and I have to continually hound the firm to do so. 
This check was sent almost 2 weeks ago Check # XXXX Sent from my XXXX XXXX Smartphone -- -- -- -- Original message -- -- -- -- From : XXXX XXXX <XXXX> Date : XX/XX/XXXX XXXX XXXX ( GMT-XXXX ) To : XXXX <XXXX> Subject : RE : 3nd Rqst Please cash my {$30.00} check this week Would you please provide a file number, case number or name associated with this request? 

Thanks From : XXXX [ mailto : XXXX ] Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : BandQ <XXXX> Subject : Fwd : 3nd Rqst Please cash my {$30.00} check this week Sent from my XXXX XXXX Smartphone -- -- -- -- Original message -- -- -- -- From : XXXX <XXXX> Date : XX/XX/XXXX XXXX XXXX ( GMT-XXXX ) To : XXXX Subject : Fwd : 2nd Rqst Please cash my {$30.00} check this week 2nd request to cash most recent payment.. 



Sent from my XXXX XXXX  Smartphone -- -- -- -- Original message -- -- -- -- From : XXXX XXXX <XXXX> Date : XX/XX/XXXX XXXX XXXX ( GMT-XXXX ) To : XXXX Subject : Please cash my {$30.00} check this week XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX . I have several accounts listed on my credit reports that are listed incorrect information *violations of sect  623  fcra*. Transunion and  XXXX  will not remove this accounts. I have disputed this information and they only will allow me to re-dispute the information which results in the information remaining on my account. I called today to both agencies to have this information deleted, but was advised I had to place another dispute. I can not log in online with either of these companies  (  which I am assuming is due to my continued disputing this inaccurate information. ) The accounts are   XXXX   XXXX   XXXX    which shows  19  120 day late payments ( missed payment violation ) sect 623 fcra states an account cant be listed more than 90 days past due which it shows  120  on both sites.   XXXX   XXXX    account is a violation of a hippa agreement.  XXXX   XXXX   XXXX   XXXX  I have no contractual agreement with and should also be removed from both reports.  XXXX  is an account that shows as a revolving credit which is inaccurate ( this is not a credit company and I have never had credit with them ).  XXXX   XXXX  bank is listed on my reports as charged off but was sold to a collection agency which is also a violation. An account cant be charged off then sold to a debt collector.
Product: Checking or savings account

I have a checking and savings with Capital One on XX/XX/XXXX I had a savings of XXXX USD, and I made a transfer of XXXX USD on the XXXX from my checking to the savings, Once I made the transfer automatically my balance went down to XXXX USD. they took my XXXX USD. they changed all the numbers, I called the manager but they refused to give me my XXXX USD I had take my money from there and close my saving account.
Product: Credit reporting

My address with equifax along with the other credit bureaus was updated in fact my address was updated on XX/XX/2017 and all fraudulent addresses was deleted. I currently monitor my credit very closely due to being a victim of identity theft so I got a alert this morning stating my current address was deleted and the fraudulent address was add back on I contacted the company and was on the phone for 2 plus hours with no result they said my current address was never on there they never changed it and I did n't send in the documents to have it changed which I did I am enclosing picture proof they will not change my address back to my current address and remove the fraudulent address my current address is XXXX XXXX ca XXXX I also am sending the info I sent them when they updated my address on XX/XX/XXXX
Product: Checking or savings account

I was having eft deposit a weekly basis from a known person and Ally Bank forced closed my account. In doing so they moved XXXX from my account to a unknown account. They verified the person who was sending eft through direct deposit was a known person. They need to return my XXXX to myself.
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. 

Account name : XXXX XXXX XXXX XXXX 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.

15U.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.

These inaccuracie are stopping me from getting a house for my family and car for kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

When I entered XXXX XXXX College, my father, a single-parent was only able to get a Parent Plus loan my first year. After that the financial aid department recommended XXXX and said it was the only option. When XXXX sold to Navient my government loan switched to private without my knowledge or approval. Fast-forward to now, my father, nor myself can not afford to pay the absurd amount of {$800.00} a month and I do not have the option to defer or have a monthly payment per my salary. This has put a great financial burden on myself, as well as my father who now works XXXX jobs in attempts to rectify this. Immediate help needs to occur as the Navient workers have been rude, and extremely unhelpful in any rectifying of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is furnishing data without my written consent in clear violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. In pursuant to 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the expressed permission of a court of competent Jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. These companies are calling me XXXX times a day, calling family members and friend XXXX times a day in clear violation. 

Pursuant to 18 USC 8, I owe no debt.Company is violating my consumer right to privacy pursuant to 15 USC 1681b XXXX.Company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 XXXX
Product: Credit reporting or other personal consumer reports

The business credit card Ive had through Chase ending in XXXX belonging to XXXX XXXX XXXX XXXX showed up on my personal credit. Im not a sole owner. The company is going through hard financial difficulties at the moment and Im personally being affected from the claim on my personal credit report. My credit score due to this appearance dropped my personal credit score XXXX points in a time when Im having personal financial struggles do to the business issues. Until the business is fixed and in good standing XXXX cant have additional issues like business debt through a company on my report further damaging my financial situation
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX CARD XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. I have the tracking numbers which are : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

according to the FRCA the term " investigate consumer report '' means a consumer or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$110.00} XXXX XXXX {$6900.00} XXXX {$8900.00} XXXX {$1600.00}
Product: Money transfer, virtual currency, or money service

Hello, I made a wire transfer from my chase checking account on XXXX XX/XX/XXXX the amount of XXXX XXXX Dollars and send it over to my own foreign bank account in XXXX. Overseas  I have a dollar account meaning when I send money from U.S I will get dollars in the foreign country. I contacted my bank in XXXX and asked them to double check if there is money holding they double check from XXXX 's the money is not there either. they have check all of their system. 

I went to chase bank on XX/XX/XXXX to asked them if they can provide XXXX Document in which the branch supervisor said we don't have that document it only produces this document when chase is receiving the money and in my situation you are sending money so we don't have that document. 

its been 10 days I would like to know where is my money? I also need to add on I did a online wire transfer and the bank account name or address has not been changed at all and I have done many transactions to the same account.
Product: Credit reporting or other personal consumer reports

I am not satisfied with Equifax 's response to my closed CFPB XXXX. 

As of XX/XX/XXXX, XXXX XXXX XXXX  is still showing on my Equifax credit report after their XX/XX/XXXX response to the CFPB complaint XXXX. They have violated by right to a accurate consumer credit report and are committing a Willful FCRA Violation. I have spent a lot of time on trying to remove a clearly duplicated collection on my report that has the same amount and the same account number! I want it removed immediately. 

From my report today XX/XX/XXXX : Collections XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$1300.00} Needs Attention I have attached the dispute screen in myEquifax that shows an open date of XX/XX/XXXX when they opened the dispute as a result of my CFPB complaint, as well as the closed date of XX/XX/XXXX when it was completed/closed. I also enclosed pages XXXX from my Equifax report from XX/XX/XXXX on the Annual Credit Report website that show the duplicate XXXX XXXX XXXXXXXX. It is clearly still showing as duplicate with one open date of XX/XX/XXXX and XXXX with an open date of XX/XX/XXXX. Both show an update date as XX/XX/XXXX on the report.
Product: Mortgage

Ocwen Loan Servicing second time around since XX/XX/XXXX granted a Hemp Mod but will not cancel foreclosure proceedings. In XX/XX/XXXX company took extra money without my permission out of my bank account.I was never served in person only publicly by their attorney XXXX XXXX with the excuse could not locate me when indeed forwarding address was all along in my mortgage.Submitted an affadavit to the courts in XXXX with attached charges.I will submit the court transcript to you.Then the first Hemp Mod was revoked.The judge has the envelope papers came in.The explaination was I mailed in papers too late.It looks like Hemp Mod was revoked 2 days after recieving them.Up to this day Ocwen has not provided me with a copy of those closing papers.I have to make the assertion those closing papers were fake.This time around everything was submitted by me early.It is impossible to have a mortgage and being in foreclosure at the same time.I strongly believe as a customer I have been abused by this company and their attorneys.XXXX XXXX called me immorale and that ignorance of the law is no excuse.Ocwen retained XXXX.Company entered and broke in and items have disappeared out of my house during my absence.The garage door is damaged.Door frames and locks broken out.My attorney has the pictures.I filed a report w the XXXX.Neither Ocwen nor XXXX   have assumed responsibility for the damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

My correct name is XXXX XXXX XXXX. My correct address is XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, GA XXXX. There may be other individuals with the name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addressed that should not appear in my credit file. Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

This debt is not mine all credit card debt was settled in divorce decree. I 've spoke with the original debtor XXXX bank and presented them with court documents. This account originally closed in XXXX by XXXX bank. The account was then sold to midland credit management. After many attempts to get them to acknowledge the court documents and after XXXX bank sent letter saying they closed and sold account XXXX but account was officially closed and placed in XXXX banks internal collection. After 2 years XXXX bank then sells off debt. After speaking with XXXX bank I received both written and email correspondence saying they accept divorce documents that exwife responsible legally for all credit card debt. I have spoken with midland credit management and they refuse to acknowledge court documents. I have resided in state of Washington since XXXX per Washington state law r.c.w. 19.86.020 consumer protection act I supplied the proper paperwork to original debtor and they 've accepted and closed account but since it was sold in XXXX they can only forward their letter to company which now owns the account. I would like midland credit management to close this account and remove it from credit report or face legal litigation here in state of Washington for violations of R.C.W. State law 19.80.020
Product: Money transfer, virtual currency, or money service

Between dates of XX/XX/2024 and XX/XX/2024 my account was being used
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX XXXX : XXXX. XXXX, 2021 XXXX XXXX XXXX : XXXX. XXXX, 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX XXXX  many times ever customer service tells me a different lie every time me as a mortgage broker for 26 years I know these things work differently when you pay mortgage you have to report that it has been paid on time if you don't pay its otherwise. They dont report to my three bureaus at all.
Product: Mortgage

1 ) The mortgage servicer Select Portfolio Servicing, Inc denied my request for a loan modification in XX/XX/XXXX. The reason for the denial was not provided. A generic denial was provided stating I did not qualify for any workout assistance except short sale or liquidation. 

XXXX ) Select Portfolio Servicing, Inc refused to honor the request for mortgage assistance for the short sale application that was forwarded after the denial of the modification. The short sale application was sent in XXXX, again in XXXX, and finally confirmed on XX/XX/XXXX, to be received by Select Portfolio Servicing , Inc . 

3 ) Select Portfolio, Inc stated verbally that they would open the case because of the confusion with the prior submission. However, was confirmed and received they denied the review of the application and continued with the foreclosure sale date on record of XX/XX/XXXX. 





4 ) I continued to search for someone to buy my home and finally entered a ratified contract to sell my property on XX/XX/XXXX. The information was immediately sent to Select Portfolio Servicing , Inc requesting a postponement of the scheduled XX/XX/XXXX, sale date. The purchase amount would pay Select Portfolio Servicing, Inc off in full and allow me to obtain funds to move. Select Portfolio Servicing, Inc once again denies the postponement request. They would rather foreclose on me than postpone the sale 30-40 days and allow me to pay them off and obtain a little profit.

5 ) The actions of Select Portfolio Servicing, Inc are consistent with Equity Stripping and Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of January 10, 2014. Among other things, the rules restrict dual tracking.

6 ) Select Portfolio Servicing , Inc has established a history of misleading practices pertaining to CFPB guidelines and the Dodd-Frank Act. These violations are being addressed in the Qualified Written Request.