23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio Services is committing fraud to their investors. They are purposely making it impossible to complete the short sale process so they can collect servicing fees. 
This is a follow up of Complaint XXXX and XXXX. 
They are purposely making in 100 % impossible to complete a short sale on a property by creating a process that can never be completed. I have called them over 50 times and they fabricate lies and make up requirements daily on needed documents. Someone needs to investigate this company for fraud. They are purposing making it 100 % impossible. They will review the file and ask for the same document 4 and 5 times. We are not talking about any updated documents, the exact same document 4 and 5 times. They claim one moment to have everything and then they claim they are missing a document you have sent them 5 times. Then they will come back and say " well we just got all the documents so we need time to review. '' They constantly go in circles and they do this 100 % on purpose so they can stall or kill the deal in order to keep receiving servicing fees. I am a XXXX, I am highly educated and not a stupid person. This company is committing fraud on their investors. 
Todays example : After 45 days of repeated stall tactics They told me on the XX/XX/XXXX they had every document. I have called them every business day since XX/XX/XXXX and they have told me they need time to review. Today XX/XX/2018 I called and asked for a supervisor and their ombudsman named XXXX XXXX. She told me today after waiting 2 weeks that they need the listing agent ( me ) broker opinion of value. I told Mrs XXXX that I have supplied this document 5 times. Yes 5 times. This is exactly what I have been filing complaints to the CFPB. She then open the file and says, " oh here it is '' and proceeds to tell me it will now take 72 hours to confirm they have the document at the short sale department. 
They are doing all of this on purpose. They are defrauding their investors because they want to collect servicing fees and don't care if the deal closes. Their only motive it to make sure no one can close a short sale. It is imposable. I have been working on this since XX/XX/2018. They are committing fraud. Please investigate this company. I have submitted similar complaints to the Federal Reserve. Please investigate.
Product: Credit reporting or other personal consumer reports

I reached out to this agency via certified mail, informing them of my identity theft victimization. However, to date XX/XX/year>, the agency continues to report details stemming from the identity theft incident. Section 605B, addressing the blocking of information resulting from identity theft, mandates that consumer reporting agencies notify furnishers, including financial institutions, when information may be linked to identity theft and an identity theft report has been filed.Here is the FTC report number XXXX along with a requested block. 

Upon receipt of this notification, Section 623 ( a ) ( 6 ) requires furnishers to promptly block any information in the consumer 's file identified as originating from identity theft, no later than four business days after receiving : 1. ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of the relevant information by the consumer; and ( 4 ) a statement from the consumer confirming the information 's unrelatedness to any transaction initiated by them.

All four requirements were fulfilled by me and will be included with this complaint. However, the agency has failed to comply with the requirement of FCRA 15 U.S. Code 1681c2 to block the reporting of the identified information in my file within the prescribed four business days of receipt. This failure constitutes a violation of the law, rendering the agency civilly liable to me for willful noncompliance under 15 U.S. Code 1681n for any actual damages I have incurred as a result of this oversight.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received at the beginning of the year a copy of my consumer report, I noticed that all of my personal information was incorrect I sent out a personal letter to update my information on XX/XX/2022 Certified mail with return slip, Credit reporting bureaus received my letters on XX/XX/2022 & XX/XX/2022. I then started my account with XXXX XXXX  to keep up with my consumer report on XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. On XX/XX/2022 I received a copy of my consumer report personal information was still incorrect. 
Now this month I look at my consumer report and it is still incorrect XX/XX/2022 ACCORDING TO 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave Responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Which they violated Certified mail # Equifax : XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX
Product: Checking or savings account

I received an email stating that I had been enrolled into a credit monitoring program with Chase bank. Then I received immediately another email saying that an account had been opened for me at Chase bank. Then I received immediately a third email stating that my email address had been changed on the account. I've never opened any account with Chase bank, nor enrolled in any services with the bank. I called their fraud department, they told me that the account popped up but that they need my social security number. I advise them that I have no business with the bank, and that the account is fraudulent. They told me that they would not process anything unless I gave them my social security number. I advise them that they are now aware that the account is fraudulent, and as I have no business with the bank I'm not required to provide a social security number. And that I will not be liable for any charges that occur based off of this fraudulent account. They told me I would have to go into a branch if I refuse to give them my social security number. I told them that they are now aware that the account is fraudulent and that they will be liable for any charges if they choose to investigate further, but that they will not harass me about any debts that occur based off of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian, XXXX and XXXX several times regarding the XXXX XXXX account. XXXX XXXX is refusing to discuss collection for XXXX account or accept any payments from me stating they are no longer handling account it is with a 3rd party. The is no other company reporting this account to my credit report, only XXXX XXXX. I have attempted several times to resolve this account with XXXX XXXX with the latest being today XX/XX/2021 at XXXX eastern, I spoke with XXXX whom once again refuses to discuss account, accept payment or even send a current dated bill for the balance owed. I have recorded conversations of XXXX XXXX refusals. I have filed several disputes advising Experian, XXXX and XXXX of the issues with XXXX XXXX and the recorded conversations with contact information to reach me to hear them. All 3 continue to close my disputes stating they verified account details without investigating the issue Im disputing. XXXX XXXX should not be allowed to remain on my credit report if they are refusing to discuss account, accept payment for account or even send me a current bill for account. At this point Im ready to get a lawyer and sue Experian, XXXX, XXXX and XXXX XXXX because Ive tried for several months to resolve this myself to no avail.
Product: Credit reporting or other personal consumer reports

i have been locked out of file for an unknown reason for some time. sent letter to verify id on XX/XX/XXXX, XXXX file was " locked ''? for unknown reason. letter had fixed this, perhaps, but now another issue, " thats being worked on '' has created an issue per equifax. still no access. its been over 45 days. this is a detriment to me and i want action on there part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opt out Experian and still have items showing of services on Inquires. I have opt opt out and Experian has not stop the offers on OPT OUT
Product: Student loan

I am requesting help obtaining my payment history from my student loan servicer, MOHELA. My payments were made through my previous loan servicer, XXXX XXXX, who has stated my current loan servicer should be contacted to provide this information. I no longer have access to my prior account information from XXXX and have been unable to find a means to contact their parent company directly given XXXX XXXX no longer exists. 

I have requested both my XXXX payment history records and past communication documentation from my new loan servicer, MOHELA, multiple times over the past 6 months with no success. At least one of my requests was incorrectly marked as complete and there seems to be no record of the others per my phone conversation with MOHELA on XX/XX/XXXX ( request # XXXX ). The request was reopened ( request # XXXX ), but resulted in incomplete and fraudulent looking documentation not coming close to my payment total of {$70000.00} per the Federal Student Aid website. I called MOHELA XX/XX/XXXX and re-requested my full payment history from XXXX via phone ( request # XXXX ), but have not yet received any information. 

I am requesting this information in order to dispute a denied refund request for my XXXX payment, which I can not appeal without my payment history. The refund was requested per the COVID-19 Emergency Relief, but MOHELA denied my refund request due to there being a lack of payment ' per my XX/XX/XXXX telephone conversation, although I do not see any documentation of this refund denial anywhere on my end.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded my credit report on XX/XX/2023 and I noticed there are hard inquiries that don't have permissible purpose to be on there. I already reached out to Experian about this. Multiple times they keep violating my rights under 15 USC 1681b. I have attached the Hard inquiries that don't have no purpose to be on my credit report.
Product: Debt collection

On XX/XX/2023 I went to XXXXXXXX XXXX XXXXXXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, CA as a new patient transfer from my old dentist ( who used the same computer database, XXXX ). I was told as a new patient I needed extensive x-rays and a cleaning. The total out of pocket was going to be in excess of {$100.00}. I explained that I had a primary and secondary insurance ( XXXX XXXX XXXX  CA ) with my employer and my husband 's. Due to the fact that my XXXX XXXX wasn't showing up in their system yet, they told me to wait until they were able to bill the insurance, as needed, before payment, which at that time was in or around {$100.00}. I received an email from XXXX XXXX on or around XX/XX/2023 stating I had an outstanding balance of {$95.00}. I promptly paid that bill using their online payment system. The amount was debited from my bank account On or around XX/XX/2023. On XX/XX/2023 I received a bill from XXXX, which appeared to be a debt collection agency. The date on the letter was XX/XX/2023 and the total amount due was {$95.00}. I immediately called XXXX XXXX XXXX and asked about the debt. I was told by the accounts representative that my account was at a XXXX balance and I didn't owe any money. She confirmed I paid the balance via the online system. However, she did read information in the computer that showed that my account was " referred '' to Tek Collect. She assured me is was not in " collections '' however, the letter I received stated that if I don't contact their agency by XX/XX/2023 to arrange payment, the collections process would continue. I asked again for the information regarding my account to be emailed to me by the end of the day, and I didn't receive it.
Product: Debt collection

I have no knowledge of this debt collection. I have never received any notice or anything regarding this collection from this company. This debt is not mine
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to formally demand the deletion of the following accounts from my credit report, as they violate my federally protected consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 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 Upon reviewing my TransUnion credit report dated XX/XX/year> XXXX I identified these accounts as either inaccurate or unverifiable. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( e ) ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Moreover, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation must be **deleted** from the consumer 's file promptly. I am invoking my rights under this section and formally requesting that these accounts be deleted from my credit report immediately. Additionally, 15 U.S.C. 1681s-2 prohibits furnishers of information from reporting any data they know or have reasonable cause to believe is inaccurate. These accounts should not continue to appear on my report, as they fail to meet the legal standards for inclusion. Please confirm the deletion of these accounts in writing and provide me with an updated copy of my credit report once these deletions have been made. Thank you for your prompt attention to this matter. I look forward to your swift confirmation that these issues have been fully resolved. Sincerely, XXXX XXXX
Product: Debt collection

Company is LVNV FUNDING - company started off by sending a post card in the mail for me to verify my address. The lawyer stated they did not have to validate anything which based on the FRCA Laws I have the right to get validation. However the judge decided not to grant me that courtesy. Yet here is the creditor asking me yo validate my ss # after the debt resolution company is trying to work out an agreement.

Below is what was written to me by the Debt resolution company. 

The initial budget of {$750.00} was to be used for restructuring all of your creditors. The monthly amount allocated for LVNV from your budget was {$61.00}. 
Since the settlement that they offered called for monthly payments of {$110.00}, which exceeds the amount we allocated ( {$61.00} ), the additional {$30.00} will leave us with a sufficient budget to present offers to your other creditors. 

I hope this cleared up any confusion. 

Also, the agency handling the debt is requesting that we confirm your SS #, as the one we have is different from what they have on file. 

This needs to be stopped and these companies need yo not usurp the law when they choose to. I am tired that the FTC does nothing about these issues.
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. The 3 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX and Dept Of EdXXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX XXXX ) account # XXXX has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXX ) account # XXXX****to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section bXXXX XXXX, Transunion, and XXXX, must remove all information reporting from and relating to ( XXXX XXXX ) account # XXXX including third party debt collection accounts associated with ( XXXX XXXX ) account # XXXX the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b.
Product: Debt collection

I recently took the time to check my credit reports and found that Credence Resource Management is collecting on me for a debt that is not mine. 

I've never had phone services from XXXX XXXX XXXX nor have I ever held a contract with them. Ive attempted to call XXXX XXXX XXXX but they said there was nothing they could do since the debt had already been passed off to a third party. Prior to Credence Resource Management reporting this erroneous debt, Ive never received any type of dunning letter or phone call in regards to this debt. Both of which are violations of the FDCPA. 

I don't understand how any of this happened but I do understand my rights under the FDCPA and I do have grounds to file legal litigation if I can't get this resolved here. 

I can provide documentation in supporting my claim of never holding any services from XXXX XXXX XXXX. All documentation and evidence of claims will be only forwarded in person to my county justice courts if resolution is not reached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to this Complaint number ( XXXX ) that was submitted on XX/XX/2022 and a response from Experian on XX/XX/2022 stating a reinvestigation would take place, giving them XXXX. It is now XX/XX/2022 and has been pass 30 days with the reinvestigation results. That is a violation. 

I have asked for description of procedure of the dispute that was investigated. The representative on the phone said Im not allowed of such information. According to 15 USC 1681 ( G ) ( A ) I have the right to know everything on my consumers report.

I have asked them to verify the payment history on this account and they have failed to do so.
Product: Student loan

I am writing to you to address my ongoing concerns with Mohela regarding my student loan account. This is my second complaint to your bureau as the first one did not resolve my issue. 

I appreciate the information that Mohela has provided regarding my account status. However, I must reiterate that my issue concerns incorrect loan terms and payments, which have not been updated despite my repeated attempts to rectify the situation. As previously stated, I was placed on an Income Driven Plan ( IDR ) PAYE plan by XXXX in XX/XX/2021, with a total monthly payment of {$470.00}. Due to the XXXX forbearance, the federal government postponed any additional income recertifications and loan payments, with plans to resume payments from previous income recertification once the payments begin. 

While I understand that Mohela is updating my recertification date deadline to reflect additional extensions of XXXX relief, the response further implies that my payment amount will increase to {$2300.00}, which I can not afford. My request is simple : I ask that my previous payments of {$470.00} continue, and that my income recertification date be extended as per the guidelines on the studentaid.gov website. 

Despite my repeated attempts to reach out to Mohela over the last six months, I have been placed on long holds, been hung up upon, and have had significant difficulty escalating this issue within their departments. Moreover, no one has been able to explain the discrepancies or the rationale behind it. This has left me feeling frustrated and helpless. 

I implore you and your team to take immediate action to resolve this issue. As a borrower, I have been making every effort to comply with the guidelines set out by the federal government, and I expect Mohela, as my loan servicer, to do the same. 

Thank you for your attention to this matter, and I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plans late for purpose.