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 Account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I, XXXX XXXX am writing in regards to the adverse account listed by XXXX XXXX XXXX. I returned the vehicle back to the finance company after experiencing issues with the AEB system while commuting to work, which includes highway and long distance driving. I reported this to the dealer as why I was returning the vehicle and they advised the car would be resold. I do not feel I should repay any portions of the loan as to me keeping and maintained on time payments as the company reported themselves. I had no intentions of returning the vehicle until it became unsafe. I have attached the recall information reported from XXXX in regards to the same reported issue I explained to XXXX XXXX when I advised them to come and pickup the vehicle. When I returned the vehicle the check engine light was on and I advised them that the car should be inspected prior to being resold. I would like an investigation completed because I do not believe its fair to be held liable for a recall, which is out of my control. It seems like XXXX finance wanted me to keep and continue to pay for a vehicle I advised them was unsafe just for their financial gain. I would like this item removed from my credit report for these reasons. 


Vehicle Information : XXXX XXXX XXXX VIN : XXXX
Product: Checking or savings account

Summary : Father ( father ) sent a check of from his XXXX XXXX XXXXXXXX account through online pay to Daughter ( daughter ). Daughter deposited the check through ChaseApp to her Chase saving account. Chase flagged the check and held the funding. Daughter and Father presented the physical check, bank statements of XXXX XXXX  XXXX, debit card of XXXX XXXX XXXXXXXX, State ID, passport, and even a validation letter from XXXX to the local branch. Chase still holds the funding and refused to return. 
Request : Return the funding of back to either Father or Daughter.

Detailed timeline : 1. Daughter opened a Chase account in XX/XX/XXXX 2. Father sent a check to Daughter through online pay of Bank XXXX XXXX XXXX on XX/XX/XXXX XXXX. Daughter received the check and deposited through Chase App on XX/XX/XXXX. The check was cashed out and deposited into Daughters saving account at Chase on XX/XX/XXXX 4. Chase flagged that check as fraudulent and held the checking and saving accounts in early XX/XX/XXXX. 
5. We called Chase multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Chase told us it is in the hands of back office, fraud department now. We passed all the information to them. 
6. At the request of Chase Bank, on XX/XX/XXXX, Daughter and Father both visited local branch at XXXX XXXX, CT. Presented real ID, password, green cards, debit cards of both parties. The request to return the funding to either Father or Daughter were both rejected.

7. The original check was present to Chase local branch. XXXX in Chase scanned it in.

8. We requested XXXX XXXX XXXXXXXX to send us a validation letter on XX/XX/XXXX. The copy was shared to Chase. 
9. We worked back and forth with Chase and XXXX XXXX XXXXXXXX for one more week but no results. 
a. XX/XX/XXXX Chase called and asked Daughter to go to XXXX XXXX XXXXXXXX and talk with manager XXXX for dispute claim. 
b. XX/XX/XXXX We visited XXXX center at Chases request. Did not work out. 
c. XX/XX/XXXX Chase bank complain escalated line Called. 
d. XX/XX/XXXX. Chase called back. Asked us to call phone number XXXX option XXXX XXXX Still did not work out. 
10. On XX/XX/XXXX we file a complaint to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS.

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX
Product: Mortgage

Today is XX/XX/2024 and my Mortgage payment has not been posted. The mailing address for my payments is : Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
However, My XX/XX/2024 Statements address was : Select Portfolio Servicing, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
A different XXXX XXXX XXXX, I dont understand the deception. 
I have asked Select Portfolio Servicing, several times who owns My Mortgage Loan. So, on XX/XX/2024, I sent Select Portfolio Servicing, a Certified Letter, Requesting to know, the Owner of my Mortgage Loan. The letter was signed off and picked up on XX/XX/2024, By XXXX XXXX. I have a copy of the Signature Confirmation. Today is XX/XX/2024, and Select Portfolio Servicing, has still, not informed me, who is the owner of my mortgage Loan. It is Select Portfolio Servicing obligation to provide me the Name, Address, and Telephone number, of who owns My Mortgage Loan. Moreover, I have asked Select Portfolio Servicing, numerous times to post my payments, on time.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The Creditor XXXX XXXX XXXX is not licensed to collect a debt in the state of Louisiana per the nmls consumer access they are not the collector of a debt that start with XXXX XXXX XXXX the moved to XXXX XXXX XXXX then moved to this office but XXXX XXXX XXXX is reporting negative collections on my credit report when I call number listed on XXXX XXXX XXXX XXXX states they no longer have my file and they can not access my records and I need to call the law office of XXXX XXXX XXXX XXXX. So if this law office has my file how are you legally reporting information to XXXX and TransUnion and how is TransUnion and XXXX verifying a debt that is no longer being reported to your office how was this debt for national credit verified and validated if another collection agency has the same account after reading so many complaints about this law office and national credit system I dont understand how an full investigation on their collection tactics and bad business practices by XXXX XXXXXXXX XXXX and the reporting agencies such as XXXX and TransUnion have be investigated for failure to comply with the FCRA requirements and laws Might I added supporting stated a balance of XXXX when I began to dispute the balance as Inaccurate and incomplete which is violation of 15 usc 1681 questioning why is XXXX they sent a document with added a fee on XX/XX/2022 of XXXX as a collection fee. I also spoke to XXXX XXXX XXXX contact XXXX at XXXX XXXX of XXXX XXXX XXXX pc she supplied me with his email bc she was also confused as where the additional XXXX was added from I sent multiple emails on my concerns and there was no response i later called back and she was very unconcerned and ready to Release the calls when I pointed out the violation of the FCRA laws bc it was time for them To leave for XXXX  Day weekend instead of attempting to Right what has been done wrong to my rights to a fair and complete and accurate credit report Per the XXXX consumer access website
Product: Mortgage

I have been attempting to get a Pay Off Quote from PHH Mortgage Company ( https : //www.phhmortgage.com/ ) for almost 4 starting on XXXX the XXXX, I contacted them and spoke with a rep who put in a request on XXXX the XXXX, I then contacted them on the XXXX to request a status as they had not faxed the loan they stated it would be another 24 hours. I contacted them again on the XXXX after not receiving the fax and they said it would be either that evening or tomorrow. I contacted them again on the XXXX, and advised it would be another 24 hours. I advised this was not acceptable and they explained that an internal department was delayed in processing. I then requested to stay on the line until this was resolved and spent the next 25 minutes explaining why I needed this quote this week and it shouldn't take 4 business days to process. The advised no matter what it would be another 24 hours which is what has been stated all week.
Product: Credit reporting or other personal consumer reports

Oportun.Inc have furnished alleged late payments on my XXXX, XXXX, XXXX that you identified as late. 
The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or

delivered to the consumer not later than 21 days before the payment due date. For any creditor to treat a payment as late you must prove the following : 1 ) Each Periodic statement ; and 2 ) The information required under 15 USC 1637 ( b ) of this title ; 3 ) was mailed out or delivered ; 4 ) 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit for the first time in years there were many Fraudulent accounts and inquiries that I didnt recognize and accounts that I didnt open as well as wrong name and addresses on my reports! I sent certified letters and FTC report about identity theft/fraud. I have sent many certified letters and called XXXX XXXX XXXX asking for all statements and documents on this account that is on my report.They keep reporting without providing and validating me the information that shows that this account belongs to me with my signature as well as every document with payments, purchases any and ALL information they have on this account! I have sent them FTC report and they are required to give me all documents with signatures and payments and statements but they have not done so! Each time I have called and disputed many times they change the date just to change something and Damaging my credit without proper validation that this is my account! I want the proof that they have provided this fraudulent debt to FDCA and FRCAs! Theyre reporting inaccurate information to XXXX, Experian!
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue of inaccurate negative accounts on my credit report. Despite your previous response, I stand firm that these negative entries are all invalid. I demand a detailed explanation of all the steps and actions taken to investigate and validate these negative accounts on my credit report.
Product: Mortgage

In XXXX of 2015 I offer to purchase a short sale of property with Bank of America after submitting all the documentation the contract, short sale agreement sign by both parties the bank send a counter offer which was accepted, waited for about a week to find out through equator that the negotiator have shut down the deal because he said he tryed contactingthe seller and due to lack of respond he closed the deal, and have us resubmit the whole short sale offer. We went through the whole process to find out after a month that the deal was dead beacuse the negotiator made the determination that the transaction was not an arms-length transaction due to the fact that a real estate agent was not used nor that the property was listed in the XXXX but instead in XXXX. ( by the way the saling price agreed upon was above the maket value of the property and no relationship whatsover with the seller making the transaction an arms-length ). Now in order to sale the property the seller have to re-list the property with a realtor which will increase the cost of the transaction, and to make matters worst I could not purchase the property as per policy of Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I opened an account with XXXX when I purchased a washer and dryer from XXXX. They assured me that XXXX would remove my old washer and dryer and install the new washer and dryer in my home. The sales associate was given my physical address for delivery and my XXXX XXXX XXXX billing. When I was called on the delivery date before the washer and dryer were to be delivered, I was informed that the delivery did not include removal of my old washer and dryer and set-up of the new washer and dryer. At that time, I notified the delivery company that I would not be accepting the delivery. I then telephoned XXXX and inquired as to what happened with the service I paid for with set-up and haul away. At that time, the representative from XXXX informed me that the salesperson was new and didnt know that XXXX doesnt provide set-up and haul away services, even though I had been charged for those services. I then went up to the store and they informed me that they would cancel the purchases and close the credit card account and there would be no fees. 
In late XXXX I received a credit report that showed a delinquent charge with an unpaid balance. This charge stemmed from my purchase of a washer and dryer at XXXX. I telephoned XXXX and XXXX to try to straighten out the charge but was unsuccessful in getting a resolution. In order to complete my closing, I was required to pay the {$300.00} delinquent charge and work through this dispute after the closing was completed. What I have discovered since that time is that XXXX was sending statements for the washer and dryer I never received to my physical address ( where I dont receive mail ). On XX/XX/XXXX, XXXX mailed me the statements for the account I closed on XX/XX/XXXX. These statements show that I was charged delinquent fees for not paying on the account starting with the XX/XX/XXXX statement, even my credit report showed that XXXX reported the account closed on XX/XX/XXXX. It appears I continued to be charged late fees and interest. 
I was expecting the amount I paid, plus interest be refunded to me immediately. I expected XXXX to send me a letter stating that this is not a delinquency on my part so that I had something in writing to show if I have any other issues with this dispute in the future. In addition, I was also expecting that XXXX clear up my credit by informing the credit agencies that I was not delinquent on the account and that an error was made between XXXX and XXXX. XXXX has not cleared up my credit and despite attempts to resolve this myself with the credit agencies, the credit agencies have not accepted my dispute and revised my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the following accounts have violated my right.

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 XXXXXXXX 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Ive requested that the collection agency send me proof that I own the alleged debt I requested an explanation of the purpose of this stated account balance, the agreement that grants you the authority to collect on the debt, documentation that shows I agreed to pay this debt with my wet signature and documentation, showing I gave you permission to have my information and paperwork showing I gave you the authorization to report this to my credit report. No consent to you having my information and authorize use of my Social Security number is aggravated identity theft, and you will be reported for such. A copy of your state license, including the license number that gives you right to collect in my state. Any arbitration agreement that may be related to this debt from the original creditor. the purchase agreement demand to guarantee that the financing and hand-to-hand transactions are accurate you give chain of custody for the account. Reporting information that you know to be in accurate or failing to report information correctly violates the Fair Credit Reporting Act.
Product: Mortgage

My Mortgage Company is American Heritage Lending , LLC ( XXXX ). They outsourced the loan servicing to XXXX XXXX. They collected escrow at closing and subsequently with my monthly loan payment solely to pay for my Flood Insurance. My Flood insurance renewal was due on XX/XX/year>. I have been asking for payment to be made to the Flood Insurance Company since XXXX, and to date, XXXX says that my loan does not have an escrow account, and XXXX keeps saying that XXXX should pay the flood insurance. 

The XXXX companies have failed to reconcile and jeopardize my home 's flood insurance coverage. 

I would greatly appreciate any assistance that you can provide.
Product: Credit reporting or other personal consumer reports

I've written to these companies before regarding this matter. They are reporting inaccurate information on my consumer report, and they refused to remove/delete names and addresses on my consumer report. That doesn't match my name and address on my driver 's license showing my exact name and address. This is the only name and address format I want showing on my consumer report every other name and address that's not the name and address on my driver 's license is not my name and address delete them immediately. There should only be one name and one address. Furthermore, you are furnishing outdated and irrelevant names and addresses. On the premises that the consumer report is supposed to be accurate and relevant, 15 USC 1681 B speaks about the relevancy of information on a consumer report and the obligation you have to report accurate information and you are reporting inaccurate, irreverent, and outdated information on my consumer report you have single-handedly caused damage to my reputation, my character, and my mode of living. This information needs to be immediately removed/deleted and properly updated. 

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
Product: Credit card or prepaid card

The Store is Children 's Place and the Credit Card company is XXXX XXXX XXXX. I paid the balance of the card on XX/XX/2022 of XXXX thinking the card was paid off I didn't check the card until I received a notice in the mail on XX/XX/2022 and I went ahead and paid the XXXX and they waived XXXX in late fees. I tried calling them since now I have a negative report on my credit for this and they would not take the negative action off my credit report. On XX/XX/2022 they put a finance charge of XXXX on my card after the date of me paying it off then it began the snowball of finance charges and late fees as follows. XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX. I should not have paid the XXXX and I should not have a negative against my credit score from them. They are a scam and need to be investigated.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account XXXX : XXXX Account XXXX : XXXX bal. {$0.00}
Product: Credit reporting or other personal consumer reports

I received a subpoena from Ford Motor Credit attorney since the vehicle was repossessed. I contacted said attorney and came to a settlement agreement to which I have fulfilled thus far. Ford still continues to feport the full amount on my credit w/interest and does not show settlement or being paid. I contacted their attorney and they could not give me any additional information or take it off.