23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

SPS LN XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XXXX, a short sale package was submitted to Select Portfolio Servicing. On XXXX we called in to check on the progress of the short sale package and on the foreclosure sale date. We were told that no short sale would be initiated, as it is less than 30 days prior to the sale date of XX/XX/XXXX.
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SPS claims they fulfilled their obligations to offer alternatives to foreclosure on XX/XX/XXXX by extending an automated trial loan modification that violates underwriting guidelines by not reviewing financial documents first to ensure that the borrowers could afford it. Furthermore, this resulted in a proposed payment of over {$3200.00} per month, which is higher than their current payment. Clearly, if the borrowers can not afford their current payment, they can not afford a higher one, so they did not respond to this offer. This represents both servicing and loan fraud. Federal guidelines for granting a loan modification were completely ignored! There was NO WAY this would have been approved if it were reviewed for financial capacity to pay, as that payment would have resulted in 50 % of their net pay.
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SPS has historically offered these fake loan modification trials to every client that is in default, in an effort to game the system by claiming that this then satisfies their obligation to offer alternatives to foreclosure, when these payments 100 % of the time are higher than their current payment and have not been reviewed for the borrowers ability to pay. This does NOT satisfy that requirement as it is never viable.
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If the borrower can not afford the payment they currently have, on what planet could they possibly afford a higher payment?????
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How can this even be called a loan modification?!!
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When will the CFPB finally do something about this predatory company and stop their outright servicing and loan fraud?!!
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SPSs FRAUDULENT GAMES need to STOP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Balance {$27000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$8600.00}.
Product: Debt collection

Company name : I.Q International XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Around XX/XX/XXXX I received a call from XXXX XXXX XXXX XXXXn regards to the debt from XXXX XXXX XXXX  XXXX, I explained to her I could make a first only payment of {$500.00} towards the debt.. but she would have to call me first in order to make this payment and also talk about how we were going to set up the amounts for future payments just to make sure I was able to make them since I just started the job and I was not sure if i was going to make this payment. Today XX/XX/24 I called her to set up payment plan of XXXX XXXX  monthly since my financial situation drastically change I also got sick last week so i am dealing with medical bills, I can only afford to make {$200.00}, she transferred me to her manager and this man i don't remember the name started yelling at me verbally abusing me telling me to find the money anyway I can, also demanded to call friends and said I was forced to pay the full amount he yelled and hung up on me, i called back XXXX XXXX answered and I told her once again I am willing to pay but only XXXX XXXX monthly she threated me by saying they have other ways to take the money from me.. and hung up on me as well.. I am willing to pay but I can only pay what i can they don't want to take it and they are forcing me to call people or find money or get a loan and she also threatened by saying she has other ways to take the money very rude unprofessional way, this calls need to be replay if they are recorded I am currently sick and having so much stress about this phone call, especially when i am willing to pay and they just threating me yelling for no reason and want to force me to get money from loan or people,, I need help to resolve this situation please
Product: Debt collection

I received a phone call the first part of XXXX from XXXX where she called my phone and asked to leave a message for my husband regarding a debt that he owed in Alaska to XXXX XXXX for over a XXXX dollars. She did not have permission from my husband to call me or leave a message at my phone. She then called me back and said that they also had an outstanding debt for me. She then called a few days later and I asked for the information in writing. I received a letter " FINAL DEMAND FOR PAYMENT '' saying that I owed XXXX   XXXX XXXX {$840.00}. I'm trying to find out how old this debt is as I can not find it on the court records for XXXX right now. 
She called yesterday and again today from a private number. She is calling me during work hours. She called and left a message at XXXX XXXX and then sent me a message to my email address to take care of this debt and resolve this within 72 hours or before they litigate this debt. I then got a message where she called my daughter this afternoon at XXXX and left a message with her that she is trying to get in touch with me over a debt. 
This is harassments. I have not had a chance to make any arraignments and she does not have my permission to contact my children. Sending letters that Not responding will lead to litigation is a threat!
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of identity theft, accounts listed have been opened fraudulently without my knowledge of consent. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Also the following names are incorrect please remove ; XXXX, XXXX, XXXX XXXX addresses ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX CA XXXX Incorrect employer ; XXXX Attached is a copy of my FTC Affidavit, Dispute Letter, SSN, CA ID
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account that is still being disputed with XXXX. This should not even be reported. Also, the amount and dates of the report are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed for Bankruptcy. In XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX I filed for chapter XXXX bankruptcy. After review of my credit report I see all three credit bureaus have listed the bankruptcies on my credit report using inaccurate information. Each credit report states they obtained the information from the US Bankruptcy Courts and listed their name and address. I have contacted the US Bankruptcy court and they have informed me that they do NOT send bankruptcy information to credit agencies. Therefore, the information on my credit report is inaccurate and I am requesting the information deleted from all 3 major credit bureaus : XXXX, Equifax and XXXX. FCRA states not false information is allowed on a consumers report. I have tried to dispute this will all 3 companies and have not received a response.
Product: Credit reporting or other personal consumer reports

My Experian credit report and only my experian credit report has had an incorrect and illegitimate XXXX XXXX account on my credit report since 2021. 

I have disputed the account already to XXXX XXXX, who refuses to actually listen or investigate the issue. I have also notified Experian and submitted multiple disputes and statements and even submitted attorney filed documents demanding they remove the illegitimate account from my credit report. But the company does absolutely nothing. They do not investigate, they do not provide updates, they do absolutely nothing with the factual evidence I provide them.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I filed disputes on all my credit reports, for XXXX XXXX, and experian. For a charge off that should have been removed because XX/XX/XXXX makes 7 years since the XXXX delinquent payment. They are not removing the item they just keep saying they updated info. I have XXXX more items suppose to fall off in XXXX and XXXX this year. Hopefully I don't have to complain again about this. The account was for XXXX.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX XXXX. due to no knowledge of debt. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all these other addresses off my report that are as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
My name is XXXX XXXX XXXX. Please remove any other aliases. 

XXXX XXXX XXXX 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: Debt collection

hunter warfield has reported to all three credit reporting agencies. They have reported in the amount of XXXX $ they have yet to contact me in this regard. the FCRA states that they must notify me 30 days prior to reporting to the agencies, they must provide a detailed, itemized account. the last time I reported to this this government agency they said that it was a dupilicate compliant and they would respond shortly. that was XX/XX/XXXX. since then I have disputed the account on XXXX and XXXX, both agenies have " verified '' the debt. this indicates that hunter warfield has worked on this yet refuses to address it here so as not to get caught breaking federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were paid in full ; Agent stated it would be removed from credit report upon payment. 

Account was not removed ; status showing open when it should be closed and removed from report. 

Filed a formal dispute, investigation was not truly followed as upon completion, it was still reported with mismatches. Showing open on equifax and closed on XXXX. Also, with erroneous and mismatched open dates. 

The below laws are being violated : ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently pulling my consumer report, and I am very upset that my federal rights are currently being violated. No consent is identity theft Under 15 USC code 1681 b permissible purposes of consumer reports ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

I do not give XXXX  any written consent or was advised about having the right to not have my reports furnished how is this possible when this is not legal this is Identity theft, I demand the deletion of these transactions listed below immediately they are a violation of my rights as a federally protected consumer under USC 15 title chapter 41 Under penalty of perjury, I agree everything is true. I have sent over this letter to equifax, and I know that I am a protected consumer and i demand these items be deleted. 
XXXX XXXX  account number XXXX XXXX XXXX  Auto Loan / Account number XXXX XXXX XXXX  / Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$870.00XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ( Original Creditor : ) XXXX Balance : {$300.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XXXX of XXXX XXXX XXXX XXXX forgave me for the past amount due on my account in the amount of {$2500.00}. However even after I contacted the collection agaency to report the debt as being forgiven they popped up on my credit report after I applied for my mortgage loan making my score fall -25 points. I called the Bay Area XXXX which at first couldnt find the debt but then still shows on my credit report even after the creditor XXXX XXXX XXXX has forgiven my account into a {$0.00} balance.
Product: Vehicle loan or lease

At the time I leased the car, I took out two insurance policies offered by Toyota Financing through the dealer XXXX XXXX. One was for maintenance and the other was titled " XXXX XXXX '' which was supposed to cover things like windshield chips, dirty carpets, dents in the car etc. Two weeks before the car was supposed to be turned in ( XX/XX/XXXX ), I went to the dealer to see what was covered by the insurance and what wasn't. They had me come back the following week ( XX/XX/XXXX ) to see " the guy '' an outside contractor, to inspect it. He read the insurance coverage and said I was good to go. I turned the car in the following week, XX/XX/XXXX. No I am getting calls from Toyota Financial saying that I owe {$850.00} for excessive wear and tear. I asked what it meant and they couldn't tell me. I went to the dealer and showed them my policy and asked them what it meant and they said " excessive wear and tear ''. No further explanation. I went to the XXXX site and the " excessive Wear and Tear Policy '' The only damage to the car was a chip in the windshield and a minor ding in the back bumper. These were pointed out to the " guy '' who looked at the policy and said it was " good to go ''. 
Additionally, they never honored the maintenance policy saying every time I went that the service being done " wasn't covered ''.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX am I made an online order for pizza for around {$100.00}. Discover Card declined the transaction and made me 'verify ' the purchase through email. Discover is comprimising the security of my account making me unable to use my card for legal purchases without the use of the internet and a computer and an email or a telephone service. I have 60 days under XXXX XXXX XXXX Reform and Consumer Protection Act of XXXX to dispute a fraudelent credit card charge yet Discover requires me to reverify a purchase within XXXX seconds. It is an unfair burden of my time and resources to make transactions, further to use this card the consumer has to have access to expensive resources such as : internet, email, phone, from other parties not associated with the account and for which the consumer has no control over. Technology is supposed to make life easier, not more complicated. Computers are supposed to serve humanity, humans do not need to submit to robot masters or algorithms to interact with each other.
Product: Mortgage

Fraudulent practice by Suntrust bank ( aka Truist bank ) using false numbers for the LIBOR index inflating the ARM interest rate adjustment We would appreciate your immediate help on this serious matter. 
We have recently discovered that the Suntrust bank ( aka Truist bank ) has been fraudulently using inflated variable interest rates on our mortgage loan resulting from using wrong number as the 6 month LIBOR index. Our mortgage loan is tied to the widely published 6 month LIBOR rate and expected to get adjusted every 6 months. 

Here are two examples such misdeeds ( ref Loan # XXXX ) : Suntrust ( Truist ) used : 1. A wrong XXXX number instead of the correct XXXX published on XX/XX/XXXX ( effective for XX/XX/XXXX index ) resulting a fraudulently inflated 3.5 % current interest rate as opposed to the correct 3 % 2. Again a wrong 2. XXXX number instead of the correct XXXX published on XX/XX/XXXX ( effective for XX/XX/XXXX index ) resulting a fraudulently inflated 4 % total interest as opposed to the correct 3.75 % I have filed several complains with detailed analysis and specific LIBOR index citations to Suntrust and the CEO, XXXX XXXX only to receive a rather generic response from a lower level employee defending their inflated rates without any direct citation for their fraudulent index number. If requested, I could send you my submitted analysis and citations. 
As a further confirmation of my LIBOR index numbers, a different bank for my another existing mortgage with almost identical terms, used the same LIBOR index as mine for the same dates. 

This is a serious fraud by Suntrust against the normally unsuspecting customers like me. This may have been going for a long time. I have not yet had a chance to inspect all periodic interest rate changes over the last 12 years or so. Other unsuspecting customers might have been affected by similar type of fraudulent practices by Suntrust. 

I would appreciate your swift remedial action to compel Suntrust to immediately rectify their misdeeds along with full recovery of our lost money with interests and appropriate punitive compensations. This has caused us significant amount of time in researching, analyzing and re-computing not to mention the mental and emotional grievances and stress we are enduring in our family. It goes without saying that they need to be held accountable for deceiving unsuspecting customers related to such common agreements. 

Sincerely, XXXX XXXX XXXX