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

This is to follow up the presence of these late open accounts inaccurately reflects my financial history and has the potential to adversely impact my creditworthiness and financial opportunities. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

This recurring issue not only causes me significant inconvenience but also undermines my trust in your organization 's ability to manage such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open accounts remain unresolved, raising questions about the reliability and accuracy of your record-keeping processes. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entries on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXXXXXX Balance : {$960.00} ; XXXX XXXX XXXX Balance : {$290.00}.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Shellpoint Mortgage Servicing XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute and Request for Clarification Regarding Property Insurance - Loan XXXX  XXXX Dear Sir/Madam, I am writing to formally dispute and request a complete clarification regarding the response letter received on XX/XX/XXXX, sent in response to my prior request through the Consumer Financial Protection Bureau XXXX The clarification provided is unacceptable for the following reasons : 1. Letter dated XX/XX/XXXX : I received a letter requesting proof of property insurance, despite already having an active insurance policy from XX/XX/XXXX, with an expiration on XX/XX/XXXX. The imposition of insurance by you before requesting proof is illegal. 

2. Subsequent Letters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) MASTER POLICY XXXXXXXX XXXX XXXX XXXXXXXX ). XXXX {$7700.00}. I received a letter claiming that the insurance was about to expire and that there were discrepancies in the property description. On XX/XX/XXXX, I received another letter stating that my insurance was expired and requesting proof of coverage. Finally, on XX/XX/XXXX, I received a second and final notice to provide evidence of property insurance. 
For your information, the insurance policies I had in effect are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX with coverage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Despite having sent the necessary documentation and payment proof through the online portal XXXX XXXX XXXXXXXX, the issues persisted only with your company. Throughout my history with other mortgage servicing companies, I have never encountered similar problems. 
Therefore, I request that you : XXXX. Confirm receipt and validity of the documents sent, demonstrating that the property at XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( with mailing address at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been insured at all times with the mentioned policies. 
2. Immediately remove any improper charges associated with the imposed insurance and additional insurance, as this imposition was made unlawfully.

I am resending the documents that demonstrate the validity of the property insurance. I expect a prompt resolution to this matter and confirmation that the incorrect charges will be removed. 
Thank you for your attention, and I look forward to a satisfactory response. 
Sincerely, XXXX XXXX
Product: Debt collection

They keep calling my work saying they are trying to find my whereabouts always wanting information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out in reference to an account on my report that Affirm Inc. has furnished. Under the FDCPA, a closed account can not have a late payment on it. That is a violation!!! Furthermore, I mailed in a dispute letter on XX/XX/2021 asking to furnish the original contract with my signature showing where I as the original creditor signed off on this. I never heard anything back. 45 days later, I sent in a 30 Day Demand of Comply, and still never heard anything back. Under the FCRA, the failure to provide me with the documentation I requested is an automatic deletion from my credit report. Aside from that, being that no one responded back within 45 days with nothing- under federal law that is also automatic deletion from my credit report! At this point, I will be seeking litigation if this account is not deleted because there have been way too many violations occurring as the consumer and original creditor. 

Account Number : XXXX
Product: Debt collection

I received a call from a debt collector pretending to be a law firm. The company that did call was XXXX XXXX XXXX, I spoke with XXXX, who refused to give me his name, I had to have the other agent give me his name after calling back. The agent mis-represented himself to be from a law firm, he then corrected himself in the middle of the call, agent was harrasing and threated to send the information to the authorities to have me sued or arrested. I asked if I could call my attorney to discuss the matter, and the agent threatened that if I did that he would make sure I was charged with check fraud. He hung up the call. I did call back and spoke with someone else to make the payment, the tactics the person used was harassing and was a violation of my rights, he did n't correctly identify himself, he did n't allow me to call him back because of wanting to seek legal counsel, and was overall extremely unprofessional and rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$4500.00} written off. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX  XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1100.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed/Never late -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$1300.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account Name XXXX XXXX Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$360.00} written off. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Account Name XXXX XXXX  Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Support will NOT help me, I have no access to acct XX/XX/XXXX was the start of the credit building account. Have made automatic payments ever since opening account and all of a sudden now I can not access the account. I contacted " support '' and after a few emails, I was told that since my information didn't match, XXXX XXXX could not help me. Mind you, on the website, it says that Kikoff support would be happy to help. I changed my email address and was pretty sure that I contacted Kikoff to get that changed and even if I had not changed it yet, the response I got from XXXX XXXX as " support '' is a joke, she does not want to help me and is now ignoring my emails. The money that I have in the account is not much, but since it is my money, I would like to be able to access my XXXX account. Complained to XXXX also. 

Date of experience : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove XXXX XXXX, Wellsfargo and XXXX XXXX XXXX XXXX off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a leader in the finance industry. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit bureau seeking maximum damages.
Product: Credit card or prepaid card

I have not received {$100.00} ( paid {$5.00} fee ) Fathers Day card Vanilla confirmed in XX/XX/23. It has now been 11 working days; allowing 3 business days for processing 8 days later wouldve reached me by XX/XX/23. Visa states card will be received in 6-7 business from date of order. ( See below copies of your confirmation email. ) As of XX/XX/23 XXXX XXXX, I have called customer service 4 times each with excessive wait times; sent email XX/XX/23 ; checked on vanillagift.com ( no record of order ). 

Now Ive been told I have to wait 15 days from XXXX-with no explanation. Asked to speak to a supervisor call was dropped after 17 minutes of holding, 2nd hold to speak with supervisor waited 57+ minutes-never picked up.
Product: Credit reporting or other personal consumer reports

I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. 
appropriate notification.
Product: Mortgage

On XX/XX/XXXX, I called Chase to request a loan payoff quote, valid for 45 days, for my primary mortgage. I was told that a work order had to be created, and I would receive the quote in 7 business days. On XX/XX/XXXX, after not receiving the payoff quote, I called Chase. I was told it was done, and that I should receive the payoff quote by XX/XX/XXXX. After not receiving it on the XXXX, I called again. This time I was told they had to send a work order. I then asked to receive it by email and was told that it would be requested. Four days later, on XX/XX/XXXX, after not receiving it by email, I called. I was then told they could not send it via email, but that it would be sent by regular mail. I was also told that I could go to a local Chase branch to have it printed out. I went to the Chase branch on XX/XX/XXXX, and a payoff quote was printed with a expiration date of XX/XX/2019 ... not the 45 days I requested. Furthermore, the payoff quote was incorrect as it reflected a PRA principal reduction amount that has been in forbearance for 6 years. Later that day, I called Chase to explain again that I needed a payoff quote valid for 45 days. I also explained that the PRA principle reduction amount in forbearance should be removed as my account has been in good standing for over 5 years. I was told I would be sent a new payoff quote, but the PRA forbearance amount would not be removed because my mortgage is not an FHA mortgage. I explained that according to the IRS an FHA mortgage is not required to have the forbearance amount reduced to XXXX after 3 years of keeping the account in good standing. I am still waiting to receive the payoff quote.
Product: Credit reporting or other personal consumer reports

I tried to reach Experian via their automated phone system, and website Their automated system wouldn't connect me to a live customer service agent, and their website wouldn't let me log in.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES L.P XXXX XXXX XXXX XXXX, SC XXXX XXXXXX/XX/XXXX 

Subject : Cease and Desist Request for Deletion of Collection Account Dear BLVNV FUNDING LLC, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX and 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 a account without my written instructions Collection company unknown Account : XXXX {$150.00} XX/XX/XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit card or prepaid card

XXXX has a secured credit card program that states if you make your payment ontin and no adverse usage the card will become unsecured and an increased credit limit will be applied. I open a secured card with XXXX and made payments on time never lat no over utilization a FICO score of XXXX with no delinquency in my credit history. 

I was congratulated by XXXX for my management of my account and they upgrade the card to a unsecured.They did not increase my credit limit I was told they would like to see how I pay the same credit amount to consider an increase in the credit limit. This is contrary to the promotion that they offered. A friend who referred me to XXXX had negatives and adverse info on his credit history but after doing the same secured promotion he was given an unsecured limit of 1000 % and was never asked to show how he would pay the unsecured credit line before they increased the unsecured credit limit. This is discrimination and this is unacceptable.I spoke to a supervisor by the name of XXXX XXXX in XXXX credit operations.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Franklin Collection Service Inc is in violation of HIPAA Privacy Violation. This collection agency did NOT provide me a HIPPA RELEASE that release my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA RIGHTS. 

I have requested for VALIDATION, NOT Verification from FRANKLIN COLLECTION SERVICE on XX/XX/18, XX/XX/18, XX/XX/18. 

On XX/XX/18 FRANKLIN COLLECTION SERVICE ON reply to my dispute letter, where they have violated my HIPAA rights sending me my medical information without providing me a HIPAA release form giving them access to my medical information. I have disputed with XXXX and XXXX five different times and they have yet take this extremely seriously As I have received a response from the collection agency that clearly violates my rights according to HIPPA. I have documented my case without error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. XXXX has failed to report any payments since XX/XX/XXXX. These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX 

I contacted XXXX XXXX on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from XXXX saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.
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. 
Account name : XXXX XXXX XXXX XXXX Account # 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 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, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Credit reporting or other personal consumer reports

Reported bankruptcy ( 3 ) on my credit report as well as personal and inaccurate personal information on my credit as well as shared or reported personal data on my consumer reports without my knowledge or consent by third party credit agencies all three trans union XXXX and XXXX after I opted out and issued each agency a cease and desist several times