23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is the 6th CFPB complaint against the fraudster Select Portfolio Servicing ( SPS ), since XX/XX/2020. The fraudster Select Portfolio Servicing ( SPS ) s real business goal is to fraudulently manufacture foreclosure and this is how the fraudster Select Portfolio Servicing ( SPS ) makes money. The fraudster Select Portfolio Servicing ( SPS ) refused to ( i ) respond to the Qualified Written Request ( QWR ) under RESPA and ( 2 ) mail monthly statement, showing how all my payments are applied ; including that the fraudster Select Portfolio Servicing ( SPS ) cashed the XX/XX/2020 mortgage payment from my bank XXXX XXXX via ACH. This company do not send any statement every month. To-date, I have spent {$4500.00} in legal fees. This fraudster Select Portfolio Servicing ( SPS ) is an extremely corrupt company operating like Racketeer Influenced and Corrupt Organizations Act, based on internet inputs from their customers Select Portfolio Servicing ( SPS ) must provide a written statement to the borrower each billing cycle, which is usually monthly. ( 12 C.F.R. 1026.41 ). SPS 's statement must show : the amount currently due, including how much will be applied to principal, interest, and escrow the total of all payments received since the last statement how prior payments were applied transaction activity partial payment information fees or other charges to the account account information, like the outstanding balance and interest rate contact information for the servicer and housing counselors, and information about delinquencies, if the borrower is behind on payments.
Product: Student loan

I was not notified about this account for over 10 years when I finally received a letter they said it was sold or sent to collection. This account went to collection in XX/XX/XXXX and the government paid it off in XX/XX/XXXX. They said my Daughter signed for this loan while she was in college I was never notified by her school until 10 year later
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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I deposited a large check in the Valley National Bank branch office in  XXXX on XX/XX/XXXX but no one there could tell me when the check clears! I then went to the XXXX branch! Same answer! I called both branches and the XXXX branch on XX/XX/XXXX! Same answer! 

What kind of banking is this? 

Outrageous! 

I have an absolute right to the answer!
Product: Debt collection

I have made many attempts to have these 2 collections removed from my credit report, and this company refuses to take them off or investigate. I have never received or got any services with them.
Product: Mortgage

My bank ( XXXX XXXX XXXX XXXX ) sent my mortgage payment to XXXX previous loan servicers. A third servicer ( the correct XXXX ) BSI Financial Services, was finally paid on time, but one of the incorrect payments was lost and never returned ( {$1000.00} ). One of the incorrect payments was returned because my bank stopped payment on the check. The second incorrect payment was made through billpay and the payee claims they forwarded the funds to BSI Financial Services. BSI claims not to have received the funds. I asked my bank to investigate but they were unable or unwilling to follow through. 
So, I am out {$1000.00} and all parties to the problem are unwilling to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXXXXXX Account # 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
Product: Debt collection

Collector named, XXXX XXXX of Portfolio associated and XXXX, who both claim to be in management, refused to transfer me to management after I stated they are abusive on the phone. They would not transfer me to management, and hung up on me. All this is after I sent a letter to CEASE CONTACT, in writing.
Product: Mortgage

We purchased ( {$110000.00} ) this property ( XX/XX/XXXX ) with XXXX XXXX ( LOAN # XXXX ) of XXXX IN ( XXXX ). Sometime after closing and moving in we started getting mail from a company named 'Ditech '. We called XXXX and they explained that our loan had been sold and we should just continue sending payments and they'll be sent to the proper company automatically. Then our auto payments stopped so we called ( XX/XX/XXXX ) and they walked us through setting up payment under the new " servicer ''. Then Ditech mistakenly, admittedly, took out SEVERAL payments ( XXXX-XX/XX/XXXX when you figure up the $ $ they cost us in fees to break even with the payments due ) at once instead of the once per month as agreed and explained to us. It drained our entire bank account and the children 's ' savings ' accounts. We were charged several overdraft and balance transfer and daily below XXXX  balance fees and the company would not speak to me ( XXXX XXXX, XX/XX/XXXX wife since XX/XX/XXXX ) because 'my name is not on the loan '. When my husband ( XXXX XXXX XXXX XXXX ) called they told him there was nothing we could do to get our money back so he said 'fine then no more payments until you tell me what is going on with my money '. And we shut off the auto pay. My husband has never received a Notice of Default from Ditech and we do not accept any calls from them as they are not our Original lender and we would not have agreed to be affiliated with such a shady company. I'd say we have plenty of evidence to show why we don't feel comfortable paying this company any longer.. https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : XXXX https : //XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I financed windows with the merchant XXXX XXXX XXXX on XX/XX/XXXX. The total finance charges were {$17000.00} which is currently is good standings/repayment. I am listed as the sole buyer on this account. My roommate XXXX XXXX XXXX did a separate finance with XXXX XXXX XXXX  on XX/XX/XXXX for a storm door for {$1900.00}. I ( XXXX XXXX ) was involved with this purchase. The storm door was installed and I was not present nor did I sign any contractual agreement. After my roommate never receiving a bill for the storm door, it was later discovered that XXXX had sold the account to Greensky and placed the delinquent account on my credit report. After review of the contract, it has the buyer 1 as XXXX XXXX and buyer 2 as XXXX XXXX which was never agreed upon as I was the individual responsible for the account regarding the windows. Both myself and XXXX spoke with the merchant who stated they would resolve the problem and start issuing bills in XXXX XXXX 's name. However, since then I have not heard back from the merchant but was later informed that the individual who wrote up the contract is no longer working for XXXX. I initially had the account removed from my credit report. Strange enough, Greensky has XXXX 's phone number which they call frequently and when he answer the call and explains the situation, they state they can not discuss the matter with him as he is not the account holder. This is incorrect as he is clearly listed as the buyer/buyer XXXX on the contract they as well as myself have. We eventually spoke with Greensky on multiple occasions and the account was remarked multiple times prior to them informing us they would look into the matter to resolve the issue. In addition, I was instructed to file a police report, which I did with XXXX Police Department ( police report # XXXX ). However, today XX/XX/XXXX I received notification that my credit score dropped 74 points as Greensky has put this account back on my credit report. I am very frustrated and tired of the run around that I am getting from the merchant and Greensky. XXXX is willing to pay the account, however, I want this out of my name and off of my credit as this is fraudulent and affecting my credit score.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} Late/Closed XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX {$0.00} Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$830.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$180.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Late/Open XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off DEPT OF EDUCATION/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$37000.00} Late/Open DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Late/Open DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$5400.00} Late/Open DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$8600.00} Late/Open DEPTEDXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} Late/Open DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Late/Open XXXX  XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I noticed on my credit report I had a debt collection from Portfolio Recovery in the amount of {$480.00}. I mailed a debt validation letter on XX/XX/XXXX and the company received my letter on XX/XX/XXXX. The company mailed out a response letter on XX/XX/XXXX that did not contain any validation of the debt.
Product: Debt collection

I received a notice that I was being sued for a debt that doesn't belong to me. In XXXX I was informed by Florida XXXX XXXX XXXX XXXX XXXX XXXX that my identity had been compromised. I went into the office to get more information and was told someone came into the office changed my address and took a picture and had the ID routed to an address in Corral Gables, FL. At that time FHSMV didn't give an ID with a XXXX endorsement immediately because they must perform a background check. I asked when this happened and they gave a date. I asked what documents they presented but they didn't have that information. This incident explained why since about XXXX when an avalanche of credit accounts and payday loans and scam calls and repeated incursions into my computer networks were occurring. These incidents persist to this day. When I was informed in XXXX I asked XXXX what they had done or planned to do. They told me nothing and it was my responsibility. I was advised to buy credit monitoring services and file a police report at the XXXX XXXX police department. At the time I was working in the XXXX XXXX XXXX XXXX XXXX and I didn't have a working vehicle so i didn't file the report. I called the XXXX XXXX police department and asked could I file the report online. They told me I had to do it in person. They also asked when did i think it happened and who I suspect did it? I gave them that information from the XXXX and told they the ID theft was probably the result of a data breach. The police told me that filing the report was probably a waste of time because data breaches were the FBI and Secret Services jurisdiction.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed EXPERIAN is Still REPORTING inaccurate information Reporting a past due balance month after the DEBt has been charged off When it should read XXXX By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect. According to 15 USC 1681 s-2, Experian, as a provider of information to a credit report agency, is prohibited by law from sharing inaccurate info. You are the ONLY BUREAU that continues to BREAK The LAW. 
I'm requesting that you delete this inaccurate information from my report right away
Product: Credit reporting or other personal consumer reports

i am of a victim of the XXXX XXXX XXXX and filed Identity Theft report with FTC with regards to inquires on my Transunion credit report. The Identity Theft report number is XXXX and i have attached a copy of the report to this complaint. 

My rights under FCRA are being violated due to identity theft and requesting immediate deletion of the unknown inquires listed below : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me..At no time did I give them permission to inquiry about my credit status, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights.. please delete this misleading information XXXX  XXXX, XXXX XXXX
Product: Mortgage

I was in the process of purchasing a home using FHA financing. The deal fell through due to me not being financially qualified. The appraisal that I paid for can be transferred and purchased from me by a new lender according to FHA guidelines. The lender that I used has sold the appraisal to a new buyer and refuses to refund me for the appraisal. They said because the deal did not close I am not entitled to a FHA refund appraisal. I know that this is not true since the FHA does transfer appraisal to new buyer and old buyer gets a refund from the lender. The people at PRMG mortgage refuse to send me a refund for the appraisal that they transferred to the new buyer.
Product: Vehicle loan or lease

On XX/XX/XXXX I was misled and coerced to sign a contract thinking it was to receive an auto loan for a car. I was ignorant to the laws that protect me as a consumer and I tried to correct the error and as a result my rights were violated even more. 

Exeter after receiving my securities, signature, unlawful down payment, additional payments on top of an extension of credit, and after a cease and desist letter was sent still charged off my account and repossessed my car. 

I received a welcome letter after signing the negotiable Instrument releasing my securities and was misled by Exeter to believing they were lending me money when in fact they purchased my note and monetized it. XXXX requesting to see the securitization audit and XXXX XXXX report for this transaction. 

I was charged a finance charge which is unlawful. The finance charge should have been credited to me and should have covered the purchase pursuant to 15 USC 1605. The finance charge does not include a charge type payable as cash so why was I required to put down {$3000.00} in order to receive the loan?

There was no transparency of the credit application process pursuant to 12 CFR 360.6 ( XXXX ) I was an applicant pursuant to 12 CFR 1002.2 ( f ) and was approved for the extension of credit. XXXX Exeter tried to collect on this extension of credit they are in violation of the RICO act. Specifically sections 664 ( relating to embezzlement from pension and welfare funds ), sections 891and 894 ( relating to extortionate credit transactions ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ), section 1341 ( relating to mail fraud ), section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ), ( relating to forgery or false use of passport ), 1951 relating to interference with commerce, robbery, or extortion ), section 1952 ( relating to racketeering ), section 1956 ( relating to the laundering of monetary instruments ), section 1957 ( relating to engaging in monetary transactions in property derived from specified unlawful activity ), section 1958 ( relating to use sections 2312 and 2313 ( relating to interstate transportation of stolen motor vehicles ), sections 2314 and 2315 ( relating to interstate transportation of stolen property ) Please see attached documents below, the affidavit, bill of particulars, rights of recision, and the negative remark they are communicating on my credit file.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated rights 15 USC1681Section602 States that I have right to privacy.

15 USC section 604A : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1666B : A creditor may treat a payment on a credit card account under an open -end consumer credit plan as late for any reason
Product: Payday loan, title loan, or personal loan

Borrowed XXXX on my XXXX XXXX XXXX from first XXXX XXXX XXXX in XXXX ga. Check went directly to mechanic as I got the loan to have motor replaced. 1st payment due XX/XX/17, although car was still in mechanic shop, called and made arrangements to pay on that saturday and was told district had to approve. Never heard back so assumed it was agreeable, 3 days later car was repossessed from shop without any communication to me. Initally was told i could get car back after I made the payment and decided to do a buyout with another company. Both companies coordinated and gave me an appt time to be at New company to complete paperwork, assured car would be there when I arrived, ended up waiting 3 hours and finally being told they could not remove car from lot bc it was in repo, this was after I was told 2 other stories. Asked to speak to district. He ( XXXX XXXX ) called the following day and told me that I could not make my payment and get car only option was full payout. I asked about the branch manager ( XXXX ) telling me I could get car back and was told she made a mistake, and that everyone makes mistakes ... offered no reason or leniency for the false information and time spent. District manager was extremely rude, sarcastic, and unapologetic, refused to provide his supervisors contact info and my request to have his superior contact me. I have been taken advantage of, lied to, and my rights violated. Please help me I am a hardworking individual who recently received a layoff, gave my newer car up and bought this one only to have motor blow up 4 days later, pawned title as it was my only option and now my car has been taken for being 3 days late and after making arrangements that were assumed agreeable by lack of follow-up saying otherwise. I have made several attempts to reach out to the owners of company ( no reponse ) and also several attempts to have title bought out, none of them can happen bc they refuse to let car leave repo lot even if I pay their repo company to tow it to New title loan co to complete buyout.
Product: Debt collection

this company calls me twice a week for over a year, I XXXX  the number and saw they were a debt collector, I blocked them but they are still able to leave messages, thought they would stop calling when I told them that they were calling the wrong number and I do not have debt, I also left them a voicemail to stop calling on XX/XX/year> but they still call.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern On XX/XX/XXXX I received the dispute for the investigation from Experian as the inaccurate account has been verified and updated from 3rd party collection agencies. In pursuant to 15usc1681a ( e ) investigative consumer report is there has to be an individual relating to me the consumer, whether it is neighbor, associate, and friends of the consumer who were interviewed about the knowledge of the account on my consumer report. Specific factual information is not included in part of the investigation of my consumer credit record, so the 3rd partys verification is not factual information. What is their method of verification? Who did they interview? What is his/her name? What did the individual say? If they do not have a specific individual being interviewed, then they have no method of verification. With no method of verification there is no evidence, failure to provide this information has broken the law and in violation of my right to privacy under congressional findings and statement of purpose. Then Experian would have to delete this account from my consumer report. Since the their of verification is not factual then I want " US DEPT OF EDXXXX '' DELETED FROM MY CONSUMER REPORT,