23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Nissan, failed to contact me and advise me that my account was past due. They were intentionally wanting my account to go over 30 days late. They should remove the 30 days late status, as they went against the fair credit reporting act. They were misleading and could not give me a valid reason, as to why I was not contacted in order to advise me that my account was past due, at which point, I would have payed it and would have never have gone over 30 days late. This was Nissan '' s fault, for choosing not to contact me in a timely manner, etc. I verified that they had my correct phone number and address, and when ask, why dud they not call me, once my account went past due, they advised that " they did not have to contact me '' I advised that I would like to speak to a XXXX and were lied to, as they stated that one would call me back within 24 hours and they never did. I payed this account almost perfect for the life of the loan, and due to a XXXX XXXX XXXXt providing incorrect information to me, about me being able to pay the remaining balance by still paying my normal amount of XXXX dollars a month until the balance was XXXX, etc. Apparently this information was incorrect, but even after this, if Nissan just did what they should have done, by contacting me, once my account was past due, I would have made a payment right away, and the account would never had gone over 30 days late. Nissan should contact their customers when their accounts go past due, and not purposely wait so that the customer 's credit rating is affected. I will be submitting a complaint per the FCRA, if this 30 day late is not updated on my credit report with all the applicable bureaus. This was an unfair and deceptive practice by Nissan finance, and I will take it further if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. Aslo, apologize. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX XXXX  XXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about Shellpoint Mortgage Services reporting my account to credit bureaus as delinquent during the conclusion of my Covid-related forbearance, while they were considering my loan for modification. 

My account should not have been reported delinquent. I followed every step correctly in the months leading up to the end of the forbearance period, asking repeatedly on calls and emails if I should end the forbearance early in order not to affect my credit. I was told to wait until the end of that period and that I would be given options on what to do at that time. 

It took about two months for Shellpoint to get me set up for the three-month period of reduced payments to see if I qualified for loan modification. Those three payment were made on time. Then it took another two months to receive the loan modification offer, which I was not satisfied with, so I ended up paying the full amount due and making my account current. 

The purpose of the Covid-related forbearance was supposed to be to allow people like myself, who lost most of their income during Covid, to have considerations that would NOT affect their credit. However, they reported my account delinquent even though I properly followed all the steps and was in constant communication to make sure that did not happen. 

Now I find myself wishing to sell my property and purchase another one, and I may have difficulty getting a mortgage due to the actions of Shellpoint. 

I have requested several times by phone and once in a faxed letter on XX/XX/2022, which they acknowledge receiving, that I want them to correct the information to show that my account was not delinquent during the time I was waiting for them to determine if I qualified for a modification, and then while I fulfilled the requirements for modification. 

Thank you for your assistance in getting this corrected.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My phone line was ported in early XX/XX/2020 from XXXX to the XXXX XXXX XXXX for the line with phone number XXXX XXXX. My account with XXXX was required to be in good-standing BEFORE XXXX allowed this number to be ported out. 
I was required to obtain a release PIN by contacting a XXXX representative over the phone in order to port out. In speaking with that representative I was asked why it was I was choosing to port and whether or not I was satisfied with the service I received from XXXX. I explained that I was porting my phone line, but that I was satisfied with my XXXX data plan for the tablet line. The representative gave me the required PIN and my phone line was ported. XXXX has continued to charge me for services rendered on a phone line that does not have a phone number attached to it. The phone line should have been terminated upon port. 

It should be understood that the date of the collection notice is XX/XX/2020, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specific in that I am not to leave my home for reasons other than obtaining groceries or prescription medications. Consequentially, I am unable to dispute any alleged collection notices in writing by mail during the COVID-19 crisis/epidemic. That is, outside of the CFPB I have no ability to exercise my Right of Notice and Opportunity to Be heard that I am afforded as a part of my rights of Due Process. 

EOS CCA lists itself with a mailing address in the Commonwealth of Massachusetts. On XX/XX/2020 that state 's Attorney General filed regulations with that state 's Secretary of State prohibiting creditors from debt collection that requires individuals to leave their homes. The specific regulation is 940 CMR 35.00 and took effect immediately, and is effective for ninety ( 90 ) days from date of filing, or until the state of emergency within MA is over. The regulation prohibits debt collectors from methods of debt collection that can require people to leave their homes or have in-person contact. Disputing the debt, which is within my rights, requires me to leave my residence to mail a dispute to EOS CCA and request verification and validation of the alleged debt. Thus, by simply sending the debt collection notice with date XX/XX/2020, EOS CCA employed debt collection processes that would compel me to leave my home to exercise my right of Due Process. As such, EOS is using tactics that are in violation of 940 CMR 35.00, and that require me to disobey my State 's travel restrictions.

Overall, it is wholly unconscionable that ANY debt holder/firm would seek to collect on a debt when over ninety ( 90 ) percent of the United States population is subject to mobility restrictions because of the pandemic. Furthermore, it is wholly unconscionable that a firm would continue to operate when their state 's executive regulations and/or orders bar them from conducting certain courses of business.
Product: Debt collection

XXXX XXXX XXXXXXXX reporting some utility bill from XXXX i never had XXXX service in last 5 years +
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, these incorrect address remain listed : This incorrect address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Mortgage

NOTICE OF ERROR AND REQUEST FOR CORRECTION Chase This is in response to your letter dated XX/XX/XXXX regarding the inapplicability of the rescission of the alleged contracts that encumber my home. 

Please make note of the following facts. 

1. The written request to cancel and the refund my $ XXXX was delivered to and acknowledged by XXXX ( The Manager of Financial Center that initiated the contracts ) on XX/XX/XXXX at XXXX. 
2. The rescission of those contracts was effective as of XXXX on XX/XX/XXXX 
3. The rescission was proper, timely, and unchallenged by Washington Mutual in " XX/XX/XXXX ''. 
4. XX/XX/XXXX I put a copy of the same written request in the hands of XXXX of CHASE BANK. Chase did not challenge the rescission in XX/XX/XXXX. 
6. These heavily flawed NOTES and DEEDS that have been continuously used to extort money from me since XX/XX/XXXX were rescinded and extinguished XX/XX/XXXX. 
7. Chase did not acquire servicing rights from Washington Mutual on XX/XX/XXXX, as there were no loans to service. Chase can not transfer the servicing of what it does not have. 
8. The loan contracts initiated by Washington Mutual FA against my property were effectively rescinded in XX/XX/XXXX and were not a part of Washington Mutual 's receivership by the FDIC in XX/XX/XXXX. 
9. Chase 's attempt to rebrand what it knows to be a dead and yes fraudulent note with a NEW LOAN number by way of an " assignment of servicing '' to XXXX is unconscionable. 
10. XXXX has created a new transaction and given it a new loan number that has nothing to do with my property. XXXX has no record of this loan of XXXX '. Fannie Mae had a record of the loans with their corresponding numbers from Washington Mutual from XX/XX/XXXX. 
11. XXXX does not service or recognize the above listed Mortgage contract identified with ID # XXXX. Chase must cancel that note and deed as it no longer has a balance to be repaid and has a cloud on my title. 
12. Chase needs to remove the deceptive assignments of Security Deed as Chase did not acquire ownership to convey to XXXX. XXXX gained ownership of the defective paper in XX/XX/XXXX. Your erroneous and willfully deceptive assignments create a cloud on the title to my property. 
13. No provision in that voided deed includes a right for the creation of a new loan ( and loan number ) with a transfer of servicing or the sale of a note. Section 20 provides for notification of change and the inclusion of the name and address of the new servicer and the address to which payments are to be made. 
Chase has yet to put in the public record that # XXXX no longer secures anything. Loan # XXXX has a zero principal balance. 


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

Experian is reporting fraud debt on my credit report, from XXXX XXXX  XXXX reporting for {$400.00}. This debt does not belong to me. That account does not belong to me. It is fraud activity. I have not had any dealings or affiliations with the debtors. My identity was stolen and had been reported to Experian and Identity Theft and Experian is aware of this. That company also reports a wrong number, email address, and incorrect mailing address for me. It is the only negative item on my credit report and it is fraud. Please remove from my credit report.
Product: Credit card or prepaid card

While on holiday around the XXXX of XX/XX/XXXX I noticed some fraudulent transactions occuring on my payroll card ( Which i had never received ) on the dates of the XXXX to the XXXX of XX/XX/XXXX. I found out how to submit a fraud claim when i arrive home from vacation on the XXXX of XX/XX/XXXX and immediately Submitted a claim and the appropriate forms. 

On not receiving any feedback for a few weeks, I began to make a phone call to the Paypal and other financial service providers they would point me to. I was routinely told that I had been mailed correspondence and each time i protested the use of regular mail, As I do not trust regular mail. 

After a few weeks of these routine phone calls, around the middle of XXXX, I was informed during a call that a cheque had been mailed to me via regular mail. On reiterating my concerns with regular mail and my readiness to incur additional charges to use a service like XXXX, I was informed that that would be arranged when the XXXX either expired or was claimed. 

It has now been more than 5 months and I have yet to receive any mail or correspondence regarding my claim.
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. 

AXXXX 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 an 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: Credit reporting or other personal consumer reports

I called all three companies, equifax, XXXX, XXXX  and asked for proof that I gave the companies my permission to run my credit and place inquries on my credit report. 
The credit companies could not give me any information or proff. I also aked the credit companies to remove all the inquries on my credit report. Nonthing has been removed and I was told they will not remove the inquries.
Product: Credit reporting or other personal consumer reports

I noticed these accounts on my credit report they are not mine and do not refelct my true credit worthiness please remove them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have sent numerous of certified letters to Equifax concerning the block that has been added to my consumer credit file. After trying to receive credit, I have been told that I have been denied because there is no reporting on my Equifax credit report. I than contacted Equifax by phone and explained to them that I am having problems with creditors who I have applied for credit with are telling me there is no findings from Equifax reporting. I than was told by one of their employees that, there is a block on my credit file and if I wanted to apply for credit, the creditor would have to call them around their business hours and then and only then will they release my credit information to them. I told the employee that they could n't do that and it has caused several inquiries on my credit report before I was told by one of the creditors that they are not showing any credit file on me from Equifax. I was then told even if I wanted to view my own credit file, that I would also have to call in to receive it. I then went on free annual credit report this year 2016 and were told that they could not release my credit report from Equifax until I send in a copy of my identification. Every year that I have been freely receiving my credit report from all three credit bureaus, Equifax is the only one I have to keep sending in documentation to. I did receive a response back on XXXX XXXX, 2016 stating and I quote " Currently there is not a 90-day freeze reporting on your credit file. Currently your file is being handled in the Office consumer affairs. Any and all concerns will be handled by the office of consumer affairs. The file was " Randomly '' picked for quality purposes. We want to make sure we are assisting each consumer according to OUR policies and Procedures. The file will remain in the office of consumer affairs indefinitely at this time '' I want something done concerning this issue with Equifax. I want to file a lawsuit against them I have lost sleep, headaches, unnecessary inquires on my credit report because I did n't find out what the problem was until a later date. I want to also file charges against them and need to know how do I move forward. Hope this is a start in getting some type of relief from this nightmare. I have also been DENIED ALL XXXX CREDIT REPORTS THAT I TRIED GETTING FOR MYSELF WITH : XXXX XXXX www.free annual credit report.com Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never givin any notices on the difency of the sale of the automobile and have sent 2 verification letters dated XX/XX/XXXX and XX/XX/XXXX have recieved no response tryd call to get a fax number just kept getting transferred
Product: Credit reporting, credit repair services, or other personal consumer reports

In according 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
Product: Debt collection

The debt I 've acquired is from an apartment complex in Texas I lived in about 5 years ago. Upon moving out I was charged my full deposit plus other ridiculous fees resulting in me owing over {$500.00}, which I had no intentions on paying. To this day I have never been contacted to repay this debt by the apartment company or the collections agency. The only reason I know it was turned over to collections is by checking my credit report.I still have had no contact with either party but am seeking information on how best to handle the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to the credit bureau asking for validation of my accounts ( XXXX CARD ACCOUNT # : XXXX, XXXX CARD ACCOUNT # : XXXX ) and have not yet received validation. I believe the information on my credit report regarding these accounts are inaccurate. My first letter mailed out to the credit bureau was dated XX/XX/2021. I have sent reminder letters dated XX/XX/2021 and on XX/XX/2021, a dispute letter dated XX/XX/2021 as well. I am losing my patience and am worried about my credit file reporting inaccurate information that can be affecting my credit worthiness.
Product: Credit reporting or other personal consumer reports

This request is essential for addressing consumer concerns related to personal financial information, account discrepancies, or inquiries about financial products and services. By collecting and verifying this information, we can provide accurate responses, resolve issues effectively, and safeguard consumers against potential fraud or identity theft.
Product: Credit reporting or other personal consumer reports

Ive disputed with all three credit reporting agencies that the students loans with XXXX and XXXX are duplicate. They are also reporting that I was late, when I was always kept in forbearance. In my three reports there is no contact number for XXXX to dispute the late payments. Im frustrated with this issue as Ive tried to purchase a home and have been turned away due to low credit score. Im approved now however, there are 14 accounts that showed late payments which is affecting my score greatly! I was one of the students who was kept in Forbearance, the loans were removed for 8mths, and now they are back on. I dont understand? Ive struggled for over 15years with them.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a home and I have realized there is damages to my report. According to the XXXX XXXX XXXX law there should not be any damages to my report. It is a defamation to my character. It is preventing me from purchasing my home.
Product: Checking or savings account

This is what I sent the bank. They have not responded helpfully by any other means and don't really show any interest in stopping this. I'd like to close that account and more importantly recover my money. Thank you. 

Hello, I'm sorry but I did not make these charges. I've blocked the card, it was thrown out because it wouldn't work for me. I reported some other charges already. What should I do? Is it to late to reverse these? It looks like someone else has is using my card, I think my info must've be sold online. Please cancel my accounts. ally account # - XXXX I didn't make any of these charges : XX/XX/2022 XXXX XXXX, XXXX- {$800.00} XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV, XXXX - {$1800.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV, XXXX - {$15.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$140.00} XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$2200.00} XX/XX/2022 XXXX 'S # XXXX XXXX XXXX XXXXXXXX, NV, XXXX - {$43.00} Thank you. 
Best, XXXX XXXX I was scammed somehow I do not know how. It's no one I know. I haven't given my pin or card or anything other than normal shopping but nothing so expensive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. A company called Vance and Huffman LLC added a fraudulent account to my credit profile on XXXX, XXXX, and XXXX. I immediately called them and told them that this account was fraudulent. I asked them to send me any paperwork that they had that I could turn over to the police to help them better their case in finding who has been using my identity to gain access to my credit. The company refused to do so and will not remove this fraudulent account from each Credit bureau.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I paid off my account with Service Financial and overpaid by {$700.00}. I notified the Company of this overpayment and they told me they cut a refund check on XX/XX/2022. I called them on XX/XX/XXXX inquiring about my check. They told me to wait until the XXXX and contact them again. On XX/XX/XXXX I called and they told me to wait until XX/XX/XXXX and they would cut another check. I called again on XX/XX/XXXX and they told me to wait until XX/XX/XXXX and that they would submit another request for a check to be cut on the XXXX. You can see where this is going. This bank is based in XXXX XXXX, FL yet is doing business through XXXX XXXX XXXX Ohio. I spoke with a supervisor named XXXX on XX/XX/XXXX. At least he tried to explain the entire process. I need the {$700.00} dollars now.