23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXXt # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX .... Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. Before Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ 0 Monthly payment {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XXXX XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. After Dispute Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Type Auto Loan Terms 76 Months On record until XX/XX/XXXX Recent balance {$15000.00} as of XX/XX/XXXX Credit limit or original amount {$15000.00} High balance $ 0 Monthly payment {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Status Account charged off. {$11000.00} written off. {$15000.00} past due as of XX/XX/XXXX. Your statement ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX  XXXX .... Updated The information you disputed has been updated. Please review your report for the details. XXXX  XXXX .... Updated The information you disputed has been updated. Please review your report for the details.
Product: Mortgage

The home mortgage has been transferred from XXXX XXXX XXXX to Shellpoint Mortgage XXXX. My loan was at a loan modification state. In last 20 days I have called several times and no one got in touch with me though on their website and representative promise that the turn around time is within 24 hours. My loan was in loan modification review statge, when it was transferred to Shellpoint mortgage. I have filed complaint with CFPB for mishandling my modification for last 9 months by XXXX XXXX XXXX and complaint number # is XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Against Experian for Failure to Correct Inaccurate Late Payment Reporting To Whom It May Concern : I am writing to formally file a complaint against Experian for its ongoing failure to correct inaccurate late payment information reported on my credit report for account XXXX, account number XXXX. Despite submitting multiple requests for correction, dated ( letters dated XX/XX/year> ), no changes have been made. This inaction not only disregards my right to accurate reporting but also violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), which mandate timely and precise updates to consumer credit files.

FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of incorrect late payments on my account breaches this requirement. Furthermore, according to 15 U.S. Code
1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The inaccurate reporting of late payments on this account violates this protection and has unjustly impacted my financial standing. 
Payment History Discrepancies The account XXXX shows recurring inaccuracies across XXXX, Experian, and XXXX credit reports, specifically related to late payments. Each bureau reports multiple 30-day, 60-day, and even 90-day late payment entries, despite the account being closed, fully paid, and having a {$0.00} balance at the time. These errors persist across all three bureaus, affecting my credit profile negatively. Lack of Resolution Since Previous Dispute Despite multiple disputes submitted to Experian, each bureau has continued to report these errors without any corrective action. This inaction has resulted in prolonged harm to my creditworthiness and breaches both FCRA and TILA.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus.

Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed.

If this matter is not resolved promptly, I will consider escalating my complaint, including potential legal action and further complaints with appropriate consumer protection agencies.

Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically
Product: Money transfer, virtual currency, or money service

This complain is related to a previous one ( XXXX ) because I still have not received my money back even if CHASE has everything to do it since XX/XX/2022. 
After the last complain Chase response I contacted the bank-recepient about issuing NULL AND VOID LETTER as Chase mentioned that they don't have it. Bank-recepient responded at the end of XX/XX/2022 and issued the required latter. Since then I have not heard anything from Chase even if Chase is a same part of XXXX  organization as the bank-recepient is. So, Chase just doesn't care about its responsibilities and its customers.
Product: Debt collection

My mortgage company Mr. Cooper continues to call and send third party vendors to post notices on my doors. I have sent a cease and desist notice to them, which they have acknowledged receiving. But in their response they stated they will not cease and desist this harassment of sending third party vendors to my home and post notices of my door for me to contact Mr. Cooper because they are in there rights and quoted my Note section ( 7 ) and my Deed section ( 9 ). I have read both sections and in either section does it state that I consented to have Mr. Cooper contract third party vendors to trespass on my property and continue to leave notices that just state to please contact Mr. Cooper Mortgage taped to my front door throughout the night and early morning in their personal vehicles. Mr. Cooper is aware that the property is owner occupied and well taken care of. Mr. Cooper stated in their cease and desist response letter that the loan is one payment past due and yet it warrants this constant intrusion. This type of non- required communication by Mr. Cooper through their third party vendors is an example of a non-required written correspondence. These notices by strangers pose a safety hazard for me and my children. But this is Mr. Coper method to continue to bring embarrassment to my household and my family. Mr. Cooper and their associates are fully aware that I am sending in payments constantly to become current and responding to all their communication by certified mail. Instead Mr. Cooper has chosen to dismiss my cease and desist request and refuse to comply with all future communication being sent through the mail for privacy and safety reasons. I have also requested a Foreclosure prevention meeting in early XXXX and I still have not received a response or a scheduled meeting date and time for this letter as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiries found in my credit report
Product: Mortgage

I needed to pull money out of my home to purchase a piece of commercial property. I was shopping around for the best deal I could find. Quicken Loans had financed our home and I called to inquire about refinancing it. 

I have a lot of experience applying for credit and have found it customary to confirm date of birth and social to discuss options. NEVER has this meant WITHOUT THE EXPLICITE REQUEST FROM THE FINANCIER, AND PERMISSION GRANTED FROM THE CONSUMER to do a hard credit pull inquiry. I was NOT locking in a loan but requesting some information about what is possible. It is quite common to do a soft credit pull to get an idea of what is available and then once you decide to go forward for the lender to do a hard inquiry. 

However, that is not what happened here. Without permission or asking, Quicken loans upon what I thought was verifying my identity did a hard credit inquiry to my account. 

I believe they do this to 'lock ' you in and make you feel like you can not shop around. I needed to shop around because their offer was horrible so I escalated the call to a supervisor XXXX XXXX XXXX.XXXX.XXXX. He listened to my recorded call and agreed they could have asked for permission but said my confirmation of DOB and social gave them the right to. I DO NOT AGREE nor has any other lender since I have spoken to. Nor will any consumer think this is right as it is commonplace when discussing your financial account to request this information. This is an aggressive tactic on the part of Quicken Loans to move you through their 'engineered to amaze ' sales process and to subconsciously make a consumer feel he or she can not shop around because their credit was just affected. This is totally unacceptable. Shame on Quicken loan. 

Bottom line : I asked XXXX to remove the hard inquiry and he refused to. 

I am requesting you get them to remove the hard inquiry and make it clear to them that they ARE REQUIRED BY LAW to ask for permission and that the average consumer has no idea that confirming their identity will give them rights to do a hard inquiry and affect their credit. There is nothing 'amazing ' about feeling trapped and uninformed. 

I am taken back by their behavior and hope you are too. 

XXXX XXXX
Product: Mortgage

My loan was recently sold to LoanCare LLC and my first payment to them is due 5 days from now. I have tried to setup an online account so that I can make my payment on time, but their system tells me my loan number does not exist. I have tried to call customer service but have been unsuccessful in reaching anyone. I left a voicemail which has not been returned. I also submitted an email through their website, which has also not been returned. In short, this company has completely ignored my existence and I am very afraid of what they will end up doing to my credit score due to their incompetence.
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Department I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$16000.00} from XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. Given XXXX conclusion and deletion of the account, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) ( 611 and 623 ), which mandates that all information on my credit reports be accurate and verifiable. Since this account has been deemed unverifiable and deleted by XXXX, I trust that you would do the same. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that Credit reporting agencys does the same and remove this unverifiable account from my credit report. 


I trust this matter will be resolved promptly. Thank you for your cooperation, and I look forward to your response within the next 30 days.
Product: Mortgage

I was granted a COVID Forbearance plan. During the forbearance plan I missed a little over a payment and a half. In XXXX I wanted to bring the loan current. I asked that the lender defer the missed payments. Upon reciept of the paperwork I notice that there would be a negative reporting on my credit. I asked to pay the deferred amount back to bring the loan current. The lender has refused. I have called over 12 times. This is clearly illegal. I never signed any paperwork. Loancare unilaterally made this change without fully informing me of the remifications and getting a signature. Additionally, my wife is a co-borrower and she never signed or consented to anything. Finally, they are refusing to accept my money to take it out of deferral thus making it impossible for me to refinance not only this property but any property I would own or want to own in the future.
Product: Credit reporting or other personal consumer reports

I am writing to address a discrepancy on my credit report. It appears there is a charge-off listed that has already been discharged.

I contacted the IRS and they confirmed that the debt is no longer outstanding. According to the IRS, information regarding discharged tax debt should not be reported as a charge-off on credit reports. 

I kindly request that you investigate this discrepancy and remove the charge-off from my report if it is found to be inaccurate. Additionally, if a 1099-C was issued related to this discharged debt, I would appreciate it if you could provide a copy for my records. 

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

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Debt collection

My lease insurance agency is XXXX XXXX Deposit , my previous apartment complex is XXXX XXXX XXXX XXXX submitted a claim to my insurance agency, XXXX, and XXXX paid them via check on XX/XX/2023. XXXX XXXX cashed that check XXXX XXXX XXXX. So Im paying XXXX because XXXX paid that balance for me. TransWorld Systems keeps emailing me and saying I still owe about {$920.00} to XXXX XXXX and that I had to pay them to get the debt settled. The debt shouldnt be in collections in the first place. I spoke with XXXX via phone XX/XX/ and the rep told me that the account is not in collections and that they sent XXXX XXXXXXXX a check after the XXXX  submitted that claim to them. The TransWolrd Systems rep XXXX XXXX XXXX XXXX XXXX I spoke to, did not properly answer my questions in a way that I could understand and she sounded like she mumbled every time she told me that they would get into contact with [ insert mumbling here ] to get the situation resolved and I HAD to pay through them to get the balance settled. XXXX already covered the balance via check, that check got cashed, Im paying that balance off with XXXX. Im not paying {$1800.00} for a debt of {$920.00} that was settled with my lease insurance company. I was more confused after I hung up the call with TransWorld Systems. Im planning on taking legal action with XXXX XXXX and frankly, probably TransWorld Systems as well. Im sending the documents and letters to TransWorld systems to remind them of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit card or prepaid card

Received a letter from TD Bank , N.A . managing my XXXX XXXX account about the privacy policy. I wanted to restrict information which bank shares about me, called provided number ( XXXX ) - nobody picks up without providing an option for a call back number or information about wait time. Called a general number for TD Bank ( XXXX ), left a call back number nobody called back. TD Bank NA does not give me an opportunity to restrict my information sharing.
Product: Credit card

Around XX/XX/XXXX - XXXX of XXXX, we received conflicting information about how the Capital One Venture X card 's annual {$300.00} travel credit worked. On the website, they had a tracker that showed that the credit would reset in XXXX of XXXX. We were unsure of what date that meant so we called multiple times and spoke with reps to confirmed. In fact we had cases escalated so it would be recorded. 

Ultimately we were told by Capital One reps that we can make any transaction in the month of XXXX and up until the last day of the month ( XX/XX/XXXX ) for it to be applied to the XX/XX/XXXX- XX/XX/XXXX anniversary year. When asked for a case number, the rep just gave us her ID : XXXX. 

Jump forward to XXXX of XXXX - we try to use the credit but are now told the opposite that we can't use it. They make different versions of events saying they don't have records of the conversation ( even though it's less than a year ). We spent 1.5 hours on the phone to be tossed around departments and then ultimately they pretended to transfer again but conveniently 'lost ' the connection. We asked multiple times for information on the case and ask them to review the call logs but they all reps deflected.
Product: Debt collection

This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only. and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

All students loans listed on credit report from DEPTED/XXXX are past XXXX years old and should be removed from credit report. After reviweing my credit report I called and asked them to send me the original contract so that I could review the terms for myself. In addition to it reporting in accuarte information names, dates open, and late payments. Please remove all student laons from this credit report .They are damaging the consumer credit report .Purstant to 15 U.S.C sub section 1679c- disclosures after it is XXXX years old credit bureau MUST remove XXXX