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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated or deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

These inquiries are unauthorized. Please remove from my report. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX3
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT ( XXXX ) # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604A.

SECTION 2 : STATED A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR AND PURPOSE.
Product: Credit reporting or other personal consumer reports

Again, in line with my rights under the FDCPA and FCRA, i am again requesting that this debt collector provide me with the purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of this account information. If this debt collector refuses to send me this documentation then i demand the immediate deletion of this account from my credit report. The date on my consumer report that i opened an account with this debt collector is blatantly false. I have not received any products or services from this debt collector or entered in any contractual agreement with them. This misinformation is tarnishing my credit history and infringes on my consumer rights. The actions of this debt collector constitutes clear violation of my right. And i am demanding a swift deletion of this account from my credit report if they are not going to provide me with what i asked for. I trust that the CFPB will address this issue. 

SEE ATTACHED LETTER
Product: Debt collection

The company is reporting inaccurate information to my consumer reports. Reporting past due amount of {$380.00} without sending me any information about what this debt is from. I never did business or had any written contract with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company inaccurately reported delinquencies in XXXX, XXXX, XXXX, XXXX of 2017 while I was under Forbearance. Requested forbearance with customer service representative. They also report account as previously 180 days late which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Best Buy credit card not receiving statement for month of XXXX 2017, which was paid within the 30 days and they are showing 30 days late negative on my credit reports. I have always been on time with my payments
Product: Mortgage

On XX/XX/XXXX XXXX XXXX XXXX  XXXX at JP Morgan ChaseXXXX # XXXX announced that they will not refinance a mortgage they issued to me 2 years before that. The reason presented was Excessive Obligations in Relation to Income.

I am a XXXX XXXX  and was already a XXXX XXXX when I was initially issued the mortgage 2 years prior. I was worried about resetting my mortgage in 5 years and wanted to get into a 30-year fixed mortgage. Same notional. The collateral value has increased by 10 % from higher house prices and we increased the value with a 20 % remodeling so the collateral is up 30 % since the original loan.

They didn't give me any chance to explain my financial situation before announcing they refused the loan which I assumed was a given based on a conversation with my banker who even offered to increase the size of the loan. 
What has happened is between XX/XX/XXXX when I fixed the rate at 3.5 % and when I was delivered the bad news the rates on the mortgage had increased by 1.5 %. I believed I was wronged. Instead of making the loan safer for me, they increased the chance of default in 5 years if rates are much higher. I believe their motivation was influenced by the move in interest rate. As a student, I would love to get data on how many loans were refused during this period relative to a more normal period for interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Global Payment Check claims I have a charged off, closed account in the amount of {$120.00} that was apparently opened XX/XX/2013. I am writing to advise you that Global Payments Check is in violation of TEXAS DEBT COLLECTION ACT, TEX.  FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which  prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching Global Payment Check on the Texas Secretary of State debt collector website I have found that Global Payment Check is not bonded in the state of Texas. I am requesting Global Payment Check immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 
The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN.  CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed 2 disputes to XXXX, XXXX & Transunion. As well as upload to XXXX. I have not received any results only a letter from the bureaus stating that the dispute did not come from me. This is not true my disputes are coming from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

The CFPB stated that ... consumer reports can operate as a gatekeeper to significant life and economic decisions. XXXX is furnishing inaccurate information to consumer reporting agencies. These are unauthorized parties. This practice is biased, unfair and definitely having a negative impact on my ability to provide a safe home, vehicle, food and basic life necessities for myself and my family. 
XXXX is furnishing incorrect and incomplete account names, account numbers, payment histories, original creditor, company sold, account type, balance and term information with my nonpublic personal information to consumer reporting agencies. 
I read articles published by the Consumer Financial Protection Bureau ( CFPB ), which helped me find regulations that govern XXXX and can assist me under the Consumer Credit Protection Act ( CCPA ). 
The Fair Credit Reporting Act ( FCRA ) excludes a consumer report from containing information solely as to transactions or experiences between the consumer and the person making the report The act further excludes a consumer report from containing any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
In this case, I am the consumer and XXXX  is the person making reports to consumer reporting agencies. According to the XXXX and FCRA, XXXX  is excluded from reporting information of any transactions, experiences, authorizations or approvals of an extension of credit on my consumer report. Why then are they furnishing my nonpublic personal information? 
XXXX failed to notify me of negative information being added to my consumer report at any time. 
The FCRA prohibits unauthorized disclosure to unauthorized parties. XXXX has furnished my nonpublic personal information to third parties that have not been authorized by me. A ripple effect has been created, as non-affiliated consumer reporting agencies have received and disclosed information pertaining to me from XXXX. 
I learned that 15 U.S. Code 6802 entitled Obligations with respect to disclosures of personal information requires XXXX to provide disclosures to me including an opportunity for opting out of and directing that my nonpublic personal information not be disclosed to any third party before it happens ; an explanation of how to exercise that nondisclosure option ; and disclosure of any joint or contractual agreement XXXX XXXX has with another financial institution to perform other functions requiring that third party to maintain confidentiality of such information. Why would I not have taken advantage of these benefits were they provided to me? Had XXXX provided these mandated disclosures, I would have opted out immediately.
Product: Debt collection

I had a car through regional acceptance bank. It was totaled in a car accident. The insurance paid the car off. They stated I owed them XXXX. I paid the balance. The never updated my credit report. That Debt is well over 7 years old. It needs to be removed from my credit.
Product: Credit reporting or other personal consumer reports

Someone stole my identity and tried to open several accounts and wrote several fraudulent checks. Every company recognized that it was fraud and closed down the accounts. However, XXXX department store, shut down the first account that someone used fraudulently, as I asked them to, but XXXX opened a new account without my permission, and there were more fraudulent charges on that new account. I even talked to someone at XXXX who told me that they/ the people who stole my identity, purchased lawnmowers and other items on that account! I called XXXX and XXXX  to dispute these new charges and also filed a dispute on the credit agencies, but XXXX would not shut down the account, even though they recognized fraud the first time. My credit score dropped XXXX points of the last XXXX years, damaged my credit and my ability to buy an home and they still refuse to shut down the account and remove it from my credit score. On Wednesday, XX/XX/18, I filed another dispute with the credit agencies and it looks like it was updated today on Experian, but it was not deleted from my credit report. There is an open felony charge on the person who stole my identity, which I attached to the credit report dispute. I also uploaded documents from the detective here in XXXX as well as from the United States postmaster general. I believe they are now in violation of the law by not deleting this from my credit report after supplying them with these XXXX documents ( attached here, as well ).
Product: Mortgage

I submitted a payment through XXXX XXXX whom then gives me a confirmation number, which then the funds are then drawn from my personal bank account. Seterus does not offer any other options for payments. I am elderly and on a fixed income, I have XXXX late payments and my account is current. Seterus is now saying I owe them a late fee for a payment that I clearly made to them. I called in to their care dept, they were not willing to help me and told me my payment confirmation number meant nothing to them and that I should than take issue with my personal banker for the lapse in payment. So I say again I 'm XXXX yrs old on social security with no other income and really ca n't afford to pay them for their clerical error. The funds have been in the bank since payment was rendered. Now They want me to travel to them and show proof of payment. I Am ready to give up. This company Seterus is awful and the web is litered with complaints of the same type of abuses. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my payments on time the credit card company applied the payments to an old closed account, after contacting them they fixed the problem and applied all payments and waived the late fees, but they still reported as late to the credit reporting agencies I tried to dispute with XXXX XXXX  and experian for the wrong information but no response.
Product: Credit card or prepaid card

On XXXX XX/XX/2020, I accessed a website for assistance in setting up a XXXX account, XXXX XXXX XXXX. Phone numbers used in setting up the assistance were XXXX and XXXX. I spoke to a man with an XXXX  XXXX accent. He did help me set up the XXXX account, but in the process he took my American Express credit card number and pin to set up the XXXX billing but also had me buy {$500.00} gift cards at XXXX  and XXXX to use in covering charges that he had erroneously placed on my American Express card. I suspected fraud, but since he did help with the XXXX account, against my better judgment, I gave him the gift card numbers and pins. Within a few hours he had emptied both gift card accounts and charged 6 purchases for {$25.00} each at XXXX  on my American Express Card. American Express will not assist as I was stupid enough to give him access to the gift card and XXXX XXXX Card information.
Product: Debt collection

Subject : Dispute of Collection Account and Violation of Consumer Rights XXXX XXXX, I am writing to formally dispute the collection account that has been placed on my consumer report by the Collection Agency. I believe that the Collection Agency has violated several laws and regulations, as outlined below : 1. Collection Agency has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ) before placing the collection on my consumer report.

2. I have not been given the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ).

3. The Collection Agency is using false, misleading, and deceptive means, which violates my consumer rights.

4. The Collection Agency has no authority to furni
sh any account to consumer reporting agencies without providing all required disclosures, as stated in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

In this dispute letter, I want to make it clear that I am disputing owing any debts to the Collection Agency. Furthermore, I am revoking all rights for the Collection Agency to communicate with me through email, text, or calls.

I am requesting the following information from the Collection Agency : 1. Debt validation for the alleged debt.

2. The purchase agreement between the Collection Agency and the original creditor.

3. Proof of the Collection Agencys licensing and bonding.

I expect a prompt response from the Collection Agency regarding this dispute and the requested information. Failure to comply with the relevant laws and regulations will result in further action to protect my consumer rights. 

Sincerely, XXXX XXXX
Product: Credit reporting 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. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. 
Please delete this items as soon as possible.
Product: Mortgage

What is the complaint about? : Nationstar Mortgage XX/XX/XXXX, Response to Complaint filed with CFPB on XX/XX/XXXX. What type of problems are you having? Fraud ; Inconsistent Statements What Company is involved? Nationstar Mortgage Who are the people involved? Nationstar Mortgage Research and Response Department Nationstar Customer Relations Specialist, XXXX XXXX What happened : On XX/XX/XXXX, we received Nationstars response to our first complaint # XXXX. Nationstar was directed to remove the flood protection insurance placed on the property located XXXX XXXX XXXX, XXXX, CA XXXX. In their response, XXXX XXXX states, our records do no ( sic ) indicate that flood protection insurance has been placed on the account nor have we ever escrowed for this item. We understand that the property is not in a flood zone and we have escrow for hazard insurance and taxes. XXXX XXXX statement is in direct conflict with Nationstars XX/XX/XXXX, Research Reference # XXXX letter, which stated, A Notice of Payment Change that reflected the monthly payment increased to {$1200.00}, effectiveXX/XX/XXXX, was sent to the attorney and bankruptcy courts. In reviewing the escrow account, we confirmed that the increase in the property taxes and purchase of lender placed flood insurance coverage, effective from XX/XX/XXXX, to XX/XX/XXXX, has contribute to the increase in the monthly payment. You may also purchase insurance and provide proof of the policy to cancel the lender placed insurance as a policy you purchase would likely be less expensive. Once we receive proof of the insurance we will cancel the lender placed insurance and refund the paid premiums to the escrow account. We have had insurance on the XXXX XXXX property since XX/XX/XXXX. Our insurance is through XXXX XXXX. Since XX/XX/XXXX, Ive mailed proof on at least two occasions to Nationstar, XXXX XXXX XXXX, XXXX Ohio. My other issue with Nationstar is they are stating as of XX/XX/XXXX,  the interest on the mortgage payment will adjust 1 % due to the modification agreement, house payment {$940.00}, which I completely understand. However, XXXX XXXX is stating the monthly escrow payment is {$460.00} which makes the mortgage total {$1400.00}. The monthly escrow payment amount is incorrect because they are still charging us for hazard insurance which I have been trying to have removed. I want this lender placed insurance removed ASAP and the paid premiums refunded to the escrow account as stated in their XX/XX/XXXX, letter.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a discrepancy in my credit report maintained by your bureau. Upon reviewing my credit history, I have noticed the presence of inaccurate late payments, which do not accurately reflect my payment history. 
I pride myself on being a responsible and diligent payer, consistently meeting my financial obligations on time. The reported late payments are inconsistent with my financial behavior, and I believe there has been an error in the reporting process. 
Account Information : XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am kindly requesting a thorough investigation into this matter and the prompt correction of the inaccurate information on my credit report. I understand the importance of accurate credit reporting and the impact it has on my overall financial well-being. 
As such, I request your cooperation in rectifying this error as soon as possible.
Product: Debt collection

XXXX I got sick since that year I stopped working my heath got worse befote that day XXXX have no money problems and my credit was really good XXXX I got XXXX and my health is not getting better but worse most of the people I owed money try to get their money and some of them sue me in court some of them started to call home nonstop they try any way to get their money because I am in desability my money is really limited XXXX of them is mcm XXXX this company is being calling nonstop and trying to get me to court today I received a letter from them they are they started another sue in court case # XXXX this letter is saying that I have to give them information about me they called fact information sheet they keep trying but true is only makes me more sick with this problem I can sleep my heath gets worse with this people calling me I never even heard about how much I owe them and if this amount of money is true or they are making it up how much I owe them and for how long I need help from this people they keep my harassed me any way they can calling my neighbor calling late at night or Sunday or early morning