23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I, XXXX XXXX am submitting a complaint regarding my mortgage involving Select Portfolio Servicing , Inc due to breach/violation in my mortgage modification contact I signed in XXXX with XXXX XXXX XXXX, Attn : XXXX, FL XXXX on XXXX/XXXX/XXXX ( 2 YR contract XXXX - XXXX ) ; In my modification contract states " As of the modication effective date, a buyer or transferee of property will not be permitted, under any circumstances, be assigned to, or assumed by, a buyer of the property. '' This agreement has been violated several times. By Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX, division of XXXX XXXX XXXX XXXX, XXXX ; Also, Select Portfolio Servicing has excessively increase my mortgage interest rate since my mortgage modification contact has been completed. 
I have submitted my complaint twice via USPS on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with delivery confirmation # XXXX XXXX XXXX XXXX XXXX with approximately XXXX pages of supporting documents that was signed for and delivered XXXX XXXX/XXXX/XXXX XXXX Consumer Financial Protection Bureau at locations : XXXX, Iowa XXXX & XXXX and with the supporting documents. Please search for them. Note I never signed anything ( contract ) with any of these financial institutions but XXXX XXXX XXXX Also, as of XXXX/XXXX/XXXX Select Portfolio Servicing Inc has been trying to force me into signing my home my home over to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681 XXXX XXXX # XXXX XXXX XXXX XXXX XXXX 1.5 USC 1681 section 602 states i have right to privacy. 15 USC 1681 Section 602 its also states a consumer report agency can not furnish a account without my written instructions. 15 USC 1681c [ a ] 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 conviction of crimes which antedates the report by more than seven years. 15 USC 1681S-2 [ A ] a person shall not furnish ant information relating to a consumer to a consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurata
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following personal information does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MO XXXX Inquiries : XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX / XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and EQUIFAX- XXXX XXXX XXXX and XXXX inquiries RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
{ dispute_item_and_explanation } under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

According to 15 USC 6802-6805, 16 CFR 433.2, 16CFR 433.3 and 16 CFR 313.7 I haven't received an oped out request and I have the right to oped out and request to be oped out. Under the terms and conditions and privacy notice of dept of ed/XXXX  as well as XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX it states that these companies dont provide my information to non affiliates like Experian, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX which are all third party companies. Proof of claim is my XXXX XXXX XXXX report. The Educational and Privacy Act of 1974 also states that my school wasn't suppose to provide transaction history to any third party companies. Dept of educationXXXX violated my rights which financially and emotionally damaged me. Also on 15 USC 1681, the certificate of indebtness is income and must be removed. Under the fair credit report act page 10, it shows that these companies violated my privacy. Also 5 USC 522A, They are NOT to give my social security number out. Lastly promotional inquiries are also a violation. By law, I am suppose to be compensated {$1000.00} per violation. 17 CFR 424 shows proof that these companies committed language fraud and solicitation because under these companies XXXX and XXXX reports, it clearly states that they will NOT conduct solicitation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a transaction on my XXXX XXXX credit card account. 

What happened : To date, no action has been taken to correct this error, and the incorrect charge of [ {$1000.00} USD ] remains on my credit card statement. I have not received any communication from XXXX XXXX regarding the status of my dispute or the resolution process. 

I am exercising my rights as per the following sections of the Fair Credit Reporting Act : 15 U.S.C 1681 Section 602 A : I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : No consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes that antedate 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. 

Given the fraudulent nature of this account and the breach of my identity, I kindly request the following actions : 1. An immediate investigation into the origin and validity of this account by XXXX XXXX. 
2. The removal of this inaccurate and unauthorized debt from my credit report.

3. A formal confirmation in writing that this debt has been removed from my credit history.

4. Any necessary legal actions to rectify the breach of my identity and to hold the responsible party, XXXX XXXX, accountable for their actions. 

I expect that this matter will be resolved promptly and in full accordance with the law. Failure to do so may result in further legal action to protect my rights and restore the accuracy of my credit report.
Product: Credit reporting

XXXX college sold a XXXX debt to XXXX collection 4 years ago. No have disputed this debt with both parties I did n't get a loan from the college withdraw from class within 24 hrs. I ask for proof cause I do n't know what this XXXX is for never received it. XXXX listed this debt XX/XX/XXXX now they have reagent his debt. As reported XX/XX/XXXX. Please will you investigate this debt I ca n't get anywhere and no one is letting me know why I owe them. I filed with credit bureaus and XXXX
Product: Credit reporting or other personal consumer reports

I dispute the validity and accuracy of the account listed below fully and i am also requesting verification of the alleged debt with a copy of the original purchase agreement and the agreement must be with the original creditor and signed by all parties involved. I'm requesting this because I have had different companies reach out to me about the same alleged debt.
Product: Mortgage

I am complaining about Shellpoint Mortgage Servicing. I consistently pay them, and they consistently send me certified mail threatening to foreclose. I continue to pay them every month. My payments are late due to financial difficulties, but I pay them every single month. When I speak to the collections department, I am told that the threatening letters are a " formality '' and that as long as I pay, they will not foreclose. These letters cause me significant amounts of stress. I have made regular calls and explained my situation to the company, and have continued to pay. These contradictory business practices have caused me duress and pain. Shellpoint is too aggressive. I do not believe the company when its staff says there will be no foreclosure, yet the letters indicate that this is the overall plan. The company says that it does not want my home. I do not believe them. This company is acting in bad faith and doing harm to its customers. I will also be writing to my Member of Congress to address these concerns. The company 's recent conduct also makes no mention, nor even offers any supportive words, concerning the Federal Government 's recent moratorium on foreclosures.
Product: Vehicle loan or lease

I am writing to formally lodge a complaint against Westlake Financial regarding my car loan and the distressing circumstances surrounding the reassignment of my vehicle to the dealership. I was not contacted by Westlake Financial to inform me of their intentions to reassign the loan back to the dealership, leaving me unaware and unprepared for this action. 

On the day I received a call from the dealership XX/XX/year>, I was misled into believing that I was being contacted for a different matter. The representative did not disclose that the vehicle would be taken back. As a result, I found myself and my XXXX XXXX  daughter being put out of the car at XXXX XXXX XXXX XXXX, which was not only alarming but also deeply unsettling. 

In my attempts to resolve this situation, I reached out to the dealership for clarification and inquired about what I could do to retrieve my vehicle. To my dismay, I was informed that this would not be possible. The distressing circumstances surrounding the sudden loss of my vehicle have caused significant stress for my family. This situation has greatly affected my ability to care for my XXXX child, whose daily routine and sense of stability have been disrupted. I feel that Westlake Financial 's actions are not only damaging but also violate my rights as a consumer.The distress of being unexpectedly removed from our car late at night has had a profound emotional impact on both of us. 

I believe that the actions taken by Westlake Financial are not only deceptive but also abusive, violating my rights as a consumer. I did not receive any notice about this, and I feel that I have been treated unfairly and that my situation has not been handled in a professional manner. I urge the CFPB to investigate this matter and take appropriate action to ensure that Westlake Financial is held accountable for their practices, which have caused undue hardship and anxiety for me and my family.

In light of the significant stress and hardship caused by Westlake Financial 's actions, I will be following a complaint with the Attorney General regarding this matter. I believe that this issue warrants further investigation and action to protect not only my rights but also the rights of other consumers who may find themselves in similar situations.

Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. : Westlake Financial has failed to provide clear and adequate disclosures regarding the terms and consequences of my loan.

Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 et seq. : I have been treated unfairly as a consumer, and I believe there were discriminatory factors at play regarding how my account was handled, this would be a serious violation of my rights under the ECOA. 

Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. : The manner in which Westlake Financial handled the reassignment of my vehicle appears to be deceptive and constitute harassment, particularly as I was not informed of any actions taken against my account prior to the vehicle being taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax vantage XXXX score is XXXX points lower than other XXXX XXXXXXXX scores. Equifax lists factors affecting score ( 1 ) bankruptcy ( 2 ) collection accounts. Neither of these are on my account and references should be removed.
Product: Debt or credit management

Netspend credit card was used on XX/XX/2024 for XXXX without my authorization I notified them at that time and they cancelled my card the following day my card was used XXXX  for a total of XXXX for which they did reimburse me I did send an email contesting I was not reimbursed for the XXXX
Product: Debt collection

Running late on paying accounts with Affirm. They call three times per day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting 120 days past due on XXXX partial account number XXXX that has a {$0.00} balance and {$0.00} past due amount. This incorrect reporting is hurting my credit score. It is impossible to be 120 days late on an account that has a {$0.00} balance and {$0.00} past due amount.
Product: Money transfer, virtual currency, or money service

I was sent payment for product on August 1 via VENMO. When I tried to transfer the funds into my personal checking account, they suspended my account and are holding the funds. Zero explanation has been giving nor any sort of remedy.
Product: Checking or savings account

I been getting overdraft fees for the past year where my account would be in the negatives its been very much consistent.
Product: Debt collection

An entity known as " XXXX XXXX XXXX XXXX '' acting on behalf of the State of XXXX has incorrectly attempted to collect a debt from me for tolls incurred on pay roads in Colorado. The tolls were incurred in XXXX XXXX and relate to a vehicle I sold six months prior. I graciously spent a few hours of my time providing written proof that the license plates -- from my home state of XXXX -- were transferred to a new owner under a Bill of Sale in early XX/XX/2023. I also provided written communications from the XXXX XXXX XXXXXXXX XXXX XXXX to the Colorado agency collecting the tolls confirming that Colorado 's agency was using an out of date database for out of state vehicles. The XXXX XXXX wrote : " In the state of XXXX  you do have the option to use the sellers license plates. [ This was written to refute the State of XXXX agency 's claim that license plates are never transferrable with a vehicle sale. ] I show this vehicle is registered in the new owners name and has been since XXXX of XXXX. The State of XXXX needs to check the XXXX records to see that you ae no longer the owner of this vehicle. Have a wonderful day! '' In spite of providing proof directly from the XXXX XXXX Utah XXXX, the XXXX agency refused to look into the error, refused to take any action, and told me i could pay the fines/tolls incurred by the vehicle owner and driver if I wanted to dismiss the matter, otherwise they would continue to attempt to collect and refer me to a collections agency. Subsequently this matter was referred to Linebarger, Goggan Blair & Sampson , LLP, a debt collections firm based in XXXXXXXX XXXX XXXX and representing the XXXX toll agency. 

I have now informed the firm that they are in direct violation of the Fair Debt Collection Practices Act -- they have a legal obligation to review the validity of the debt, including evidence submitted to dispute a debt by an alleged debtor -- and as with the toll agency itself the debt collection firm has completely ignored my communications, and instead is using the threat of issuing a Civil Penalty Assessment Notice XXXX Colorado XXXX XXXX, XXXX. ) to collect the alleged tolls owed, plus interest and a civil penalty, plus interest. At no time has any party attempted to look into the merits. If they had done so, a simple 90 second review of the XXXX records -- as the State of XXXX XXXXXXXX has recommended -- would quickly show that the State of XXXX XXXXs toll collection agency is seeking to collect from the wrong party. 

At this point I'm asking the CFPB to intervene and force the State of XXXX to honor its legal obligations under the FDCPA. It should not take threats of suing the state and seeking a recovery of statutory damages under the FDCPA for the State to do the right thing and validate that they are attempting to collect tolls from the correct parties. I can understand how a simple mistake can occur ; I can not understand the state and the collection agency 's stubborn refusal to look into the matter even after a neighbor state ( Utah ) has directly informed them of the State of XXXX XXXXs error. 

Thank your for whatever help you can offer. 

XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, XXXX of 2021, I've noticed a pattern of my transunion balance not updating. 
So I filed a complaint and CLAIMED OWNERSHIP of account, but stated balance was incorrect ( because the balance was paid ), .transunion does a '' investigation " ending on XX/XX/XXXX. They claimed my bank did not respond so they removed my Most positive payment history from my account. 
I called transunion, they claimed to get my account put back on, they have to verify my account with the bank ( I recorded 3 transunion reps lie and say 3 different stories ) for the 4 rep to suspect it's fraud ( due to me wanting my balance updated properly and being XXXX ) Well I wan na file a discrimination complaint after my bank verifies .. wanting a good score being a minority is not fraud. I also recorded all 3 reps lie, including one say my bank removed it, ..while the investigation finished on XX/XX/XXXX, My bank updated my balance to transunion on XXXX XXXX..yet transunion missed it. 
To drop my credit score and tell me my account needs to be verified, ( that's been reported to transunion for months ) with perfect payment history, is redlining..now I have to wait another 6 months to bring my score back to where it was initially .which was done on purpose. Transunion also claimed " which I have audio '' that if you file a dispute, and the creditors don't respond in 30 days, even if it's not pertaining to ownership of account, it will be removed, I'm not sure but that was the second excuse before the supervisor says the bank needs to verify the authentication of my secured card .which is totally fine, being it will drop my score for months intentionally
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX/XXXX/XXXX Capital One Auto XXXX/XXXX/XXXX XXXX Card XXXX/XXXX/XXXX
Product: Vehicle loan or lease

I am disputing CSF Servicing collection and credit reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am also disputing the loan servicing sale XXXX sold to CSF. I filed bankruptcy in XX/XX/year>. At the time my loan was with XXXX XXXX. Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Number ( XXXX ) XXXX. XXXX was included in bankruptcy and discharged. While under the automatic stay XXXX illegally sold my loan to CSF. According to my attorney XXXX XXXX CSF bought a bad debt and can not legally collect on it. The account with CSF is Not legitimate. The account was NOT charged off because the entire account is FRAUD. I tried disputing online with the credit companies and nobody at CSF is looking into the information when they reach out. I have reached out to CSF in the summer of XXXX  and told them about the bankruptcy so they can't say they didn't know. I have also reached out about the credit reporting with no response. I am asking this to be INVESTIGATED. Not just looked at. And removed from my credit. My last resource is to file a lawsuit against CSF for reporting a fraud account and XXXX  for selling a discharged loan. I have attached the messages from my attorney, my bankruptcy documents with discharge order. The DATE on the service transfer letter from XXXX. You can clearly see it was AFTER the bankruptcy was filed and the automatic stay was in place.
Product: Mortgage

- PURCHASED HOUSE ON XXXX. 
- FILED FOR AND GRANTED HOMESTEAD AND OVER 65 EXEMPTIONS FOR XXXX AND XXXX. 
- XXXX - LOAN SERVICING TRANSFERRED TO - Select Portfolio Servicing, Inc. ( SPS ). 
- CONTACTED SPS IN XXXX AND XXXX REQUESTING TO REANALYZE ESCROW ACCOUNT AND ADJ MONTHLY ESCROW PMT. 
- WAS TOLD BY THEM THEY HAD TIL XXXX TO CORRECT. 
- SPS show they made payment of {$12000.00} for XXXX Taxes. 
- XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX shows - Payment Applied of {$7800.00}. 
- This is an overpmt of {$4400.00} for XXXX. 
- XXXX requesting XXXX / mo XXXX XXXX of {$1000.00}. 
- Based on XXXX XXXX Applied of {$7800.00} - The XXXX / mo XXXX XXXX should be Approx = {$650.00} / mo. 
- This is Monthly Over Pmt of Approx = {$360.00} / mo. 
- As of XXXX - Nothing has been done to refund monies and / or adjust Monthly Escrow Payment. 
- REQUESTING IMMEDIATE ACCOUNT CORRECTION AND REFUND OF OVER PAYMENTS!
Product: Checking or savings account

OnXX/XX/2019, I deposited my cashier check that was wrote out to me in my business name, in the amount of XXXX. The check cleared on XX/XX/19. I stop at an atm got XXXX off and drove to the closet boa branch to get XXXX out of my account. I didn't have my phone so they could verify my account, even though I produce my I'd and debit card, I was told that I couldn't withdraw funds without my having my phone present. So when I got home I noticed that my account was locked, so the next day I went back to boa to straighten this matter and I had to go through a rigorous process. After 2 hours in the office they said they would call me after their review. I nevered heard back from them until 4 to 6 days later via mail, saying they had closed my business account and we're investigating my deposit. I tried reaching the right department numerous of time but keep getting the run around and being placed on hold for 30 to 40 mins a time. It's been 2 months now and I still haven't received my funds in the amount of XXXX dollars