23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My original mortgage company XXXX filed bankruptcy and now shellpoint mortgage has taken over, and today I continue to follow up on having my account reflect the accurate amount I have paid since this transition & even provided proof of my payments that were made by money orders but shellpoint continues to send me delinquent notices as if I havent paid anything I have called and called and they tell me it takes 30 to 60 days but I keep getting the run around. I paid by money order not check my account should reflect current but they refuse to update it & provide me an updated bill because they said they a debt collector and they trying to illegally take my home on false information for XXXX that they claim is past due which isnt. Please help. I have provided proof within my emails to them. I can also send all other emails that I have continued to send trying to get this matter resolved but they keep sending certified mail saying Im in default when they have evidence that my mortgage should reflect current. They now have me on hold for long periods of time which is more than 30 minutes. They have NSF charges on my account but I paid by money order. They keep giving me misleading information verbally but in writing the direct agent sends emails as if hes been trying to reach me or excuses of why he didnt contact me but the entire time my phone is by my side and my daughter is also on my account with authorization to speak with them. Ive been threatened that they are taking my property since XX/XX/2019 but I have provided proof of XXXX, XXXX, & XXXX payments that were paid by money order but there system reflects NSF charges reflecting my payments bounced how do money orders bounce. 

They keep telling me to pay again because they didnt receive everything from XXXX but I provided proof of my payments nor did we receive anything in a timely manner of when to start paying Shellpoint. I paid XXXX & XXXX to XXXX when I was notified I sent XXXX to Shellpoint & XXXX payment isnt reflected on the account either and reflecting NSF when it was paid by money order as well. I provided proof still no update but I keep getting demanding letters and certified mail but they have proof.
Product: Debt collection

The account Portfolio Recovery stated that if the debt was paid that it would be taken off all three credit bureaus. This still remains on all three credit files and should be removed.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS to add notes
Product: Credit reporting or other personal consumer reports

Acount number XXXX is not an acount that belongs to me this is not my acount I have filed a police report and also a FTC report Both reports were giving to Experian I am requesting an immediate removal from my acount or my next action would bring a federal law suit if this acount is not removed I will take legal action this causing me to much stress and a great loss to my personal credit history
Product: Money transfer, virtual currency, or money service

I was supposed to receive a wire transfer from a client of {$1500.00} from XXXX XXXX into my Bank of America business account. Both banks have lied and mislead false information and I still haven't received my wire transfer. XXXX XXXX told the person who was supposed to give me the money that it will take only 30 minutes for the money to be transferred into my account. This was told at XXXX XXXX on XX/XX/23. I went to my bank to inquire about the money transfer and I was told it would only take 2 hours, but by this time, 3 hours have already past. The time I was at my Bank was around XXXX XXXX I was then told to call the customer service line of Bank of America about the problem. I got very confusing information from multiple people and now I believe they're holding my money purposely and it could be XXXX discrimination involved based on the treatment I've been getting between both banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed this fraudulent loan on my XXXX XXXX recently, I sent the company a letter and XXXX and equifax a letter on XX/XX/2022. Up to today ( XX/XX/2022 ) I have heard back from no one. I have never applied for such loan and want it removed from my credit report.
Product: Credit reporting

I sent a letter to Transunion disputing the validity of items on my credit report these items were inaccurate and reported in error on my credit file. I contacted the source where the information was coming from and they could n't give any lawful explanation to why the items was reporting inaccurately in error on my credit report. I then contacted Transunion and asked them to remove the item because its an inaccurate error but Transunion refused to delete it and said they had verified it. I asked Transunion the details of who they verified it with and their method of the verification. Transunion ignored my request and continued to report the inaccurate items on my credit report. I reached out to an attorney friend of mine and the FTC and they both informed me that Transunion had to give proper lawful validation to the items they were reporting and have to make sure they are accurate without errors. I learned that according to the FDCPA and FCRA Transunion has violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. 
Below are the accounts reporting inaccurately in error. Report Number:XXXX XXXX XXXX XXXX acct XXXX
Product: Credit reporting or other personal consumer reports

Im writing to file a formal complaint against the three major credit bureaus XXXX, Experian, and XXXX for violations of consumer protection laws regarding the reporting of late payments on my credit reports. 

Under 15 U.S. Code 1681s-2, furnishers of information to consumer reporting agencies are obligated to provide accurate information. Specifically, section 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of information with actual knowledge of errors.

I have discovered inaccuracies in the reporting of late payments on my credit reports, which do not accurately reflect the transactions or experiences between myself and the creditors. These inaccuracies have resulted in negative consequences for my creditworthiness and financial well-being.

Furthermore, according to 15 U.S. Code 1681a, consumer reports do not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, any reporting of late payments must accurately reflect the true nature of these transactions and experiences.

I request that the credit bureaus investigate these inaccuracies and take immediate action to update my credit reports to reflect the accurate status of the accounts. Specifically, I need the late payments to be reversed and updated to reflect that the accounts were paid as agreed.

According to the law, I request that the credit bureaus provide an update on the status of the investigation and make the necessary updates to my credit reports within 15 days of receiving this complaint.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Mortgage

SunTrust is reporting untruthfully that we were four months late paying our mortgage in the past 12 months. We did enter a Chapter XXXX plan in XXXX XXXX but during that time we consistently made the payments each month as we have in the past 10 years. After complying with our plan and receiving a satisfactory discharge in XXXX of XXXX, we had received no statements ( other than interest rate changes ) regarding our SunTrust mortgage account yet we continued to make the monthly {$550.00} payments as set forth in our mortgage agreement. Still, we received no statements from SunTrust but did receive an annual XXXX to document our owed taxes. Suddenly, on XXXX XXXX, XXXX, we received our XXXX and only statement that the equity loan had changed on XXXX XXXX, XXXX to reflect a payment of {$1400.00} per month. According to the letter, this meant that we were scheduled to be reviewed for foreclosure. SunTrust had increased the monthly payment of {$550.00} to {$1400.00} without any notification to us and we had paid perfectly for 10 years up to that point. The letter indicated that we owed {$4100.00} that needed to be paid in order to avoid foreclosure. We were able to pay this amount and brought the account current. 
We are in the process of refinancing this loan. We are encountering difficulty with the underwriter because the lender obtained a report indicating the XXXX XXXX - XXXX XXXX payments are late because they were not in the amount of {$1400.00} as opposed to the {$550.00} payment we had paid. We feel that because we were not informed in any way of this increase in amount no refinance agency should receive a report that were late. A payment was made every month. They failed to notify us of the increase and this is stalled a refinance
Product: Credit reporting, credit repair services, or other personal consumer reports

i have costanly told XXXX equifax and XXXX  that the inquirys that have no connection or that or not linked to an account should be taking off my report i didnt do it im having XXXX  going on because of the breach that happen with equifax my info has been found over 130 times and i dont know how to stop this
Product: Credit reporting or other personal consumer reports

Experian has not remove all the diffrent variations of addresses and names on my credit report after several attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX charged off {$620.00} XXXX XXXX XXXX XXXX  charged off {$1500.00} XXXX  XXXX XXXX paid in full XXXX XXXX XXXX XXXX  charged off paid in full XXXX XXXX XXXXXXXX {$1800.00} charged off XXXX XXXX XXXX, I missed payments due to Covid XXXX I am current now
Product: Credit reporting, credit repair services, or other personal consumer reports

someone used my Identity to gain medical help, and accumulated a debt of {$1100.00}. it was assigned to a collection agency and reported on my credit profile by PARAMOUNT RECOVERY SYSTM -Account number XXXX, I have requested all three credit report agencies to delete the identity theft account. Both XXXX and XXXX  have initiated a general dispute ( 30 days ) instead of the guidelines set forth by the FTC through the Fair credit reporting act section 605B which requests the reporting agencies to delete the Fraudulent accounts from my credit profiles within 4 days. Both XXXX and XXXX failed to do so. I have uploaded all supporting documents to both agencies and i was informed that my request does not meet the standard fair credit report requirments to delete the file.
Product: Credit card or prepaid card

This is a progressive problem : It is getting more and more difficult to redeem " points '' on my Chase credit card. 

The latest iteration, which occurred today, required me to go round and round with the website. 

I just wanted to get the " rewards '' posted to my card, but the site kept trying to divert me to other places ( " XXXX, '' etc. ). 

The default targets for " rewards '' should be either the card account, or a check for cash back. 

The new Chase website makes it extremely difficult, time-consuming and frustrating to redeem these so-called " rewards ''. 

I could attribute this to sheer incompetence, but I fear that it is deliberate on the part of Chase to confuse cardholders and divert their rightfully-earned rewards into other " programs '' that they neither want no need, and that it might be difficult or impossible to claw back their rewards. 

Redeeming points used to be a simple, straightforward procedure, by which a customer could simply access the available rewards amount, click on redeem, and the proceeds would be credited to ones account. 

Enforcement action against Chase is required to remedy this situation of their making.
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.

Account name : # XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I have already submitted information about this complaint to Experian and XXXX XXXX XXXX, I'm just uploading my identity theft report.
Product: Payday loan, title loan, or personal loan

Starting in XXXX i begin to have financial problems. I made the mistake of getting one installment loan and then i got another one to pay off the first loan. It eventually piled up and i was in a deep hole before i could realize it.
Product: Credit reporting or other personal consumer reports

This Credit Company has multiple inquiries on my credit report that is affecting my score and opportunities for future investments and ect just to clear the air the only time I applied for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and was approved for all 3 that's all but the other 2 inquiries are not accurate and it's fraudulent there's 2 for the same date of XX/XX/year> it's not me apparently someone tried to open up something in my name a roommate I once lived with around those times
Product: Credit reporting, credit repair services, or other personal consumer reports

beginning ofXX/XX/XXXXi had discovered i have been a victim of identity theft and some one unknown to me had used my personal information to get credit cards and personal loans under my name from XXXX and XXXX XXXX XXXX XXXX, i immediately contacted credit bureaus and notified them of my findinding and was instructed by them to file an FTC report which i did. i send my disputes to the credit bureaus and XXXX removed the items immediately and XXXX stated items are under investigation and transunion has not done nothing. 30 days has passed and i senet my second request to XXXX   and transunion, XXXX  stated under investigation and transunion did not even said anything which i decided to come here for help. please help me.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of account number [ XXXX ] for my credit card of [ XX/XX/XXXXXXXX XXXX to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Month of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Debt collection

National credit system was sent the attached a letter. They have not followed it and neither have any of the credit companies specifically XXXX. I need validation and until it has been validated and I am provided documentation they must remove it from all of my credit reports. Everything must be done by mail. They have failed to do so. I have documented proof with return receipts that were signed for documents that were sent certified mail with tracking numbers. They received the items the certified documentation came back to me from the XXXX and they still have not updated my credit reports.
Product: Credit card or prepaid card

Received a letter from Comenity Bank stating the following : Please call us to finish processing your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, we want to thank you for your recent application to open an account. 
We need to hear from you within 14 days to complete the application process. We're pleased you'd like to join the XXXX XXXX 's XXXX XXXX credit card account family.... 
Again, we appreciate your interest in opening an account with us, and please accept our apologies for any inconvenience for this process. We look forward to talking with you. 

We have NEVER applied for a credit card with this company or with this bank. I pulled my annual credit reports, and it does show soft inquiries on my social security number but NO hard inquiries. 

This is very deceptive and misleading.
Product: Mortgage

I was approved for a short sale during covid and lost the buyer do to covid. 
New Rez has violated some federal laws as well
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act 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
Product: Vehicle loan or lease

XXXX XXXX XXXX has hidden fees, that are so Outrageous and over priced since XXXX I have had a XXXX XXXX XXXX leased for XXXX. Set at a fixed rate of XXXX a month. They refused to send recipients to where my payments was applied to.. the refused to send information that if I am set to pay {$380.00} a minute where is the hidden fees they are taking from my payments first then only applying {$100.00} dollars to my pay off amount. The XXXX XXXX  didnt not show how these hidden fees and agenda of the g.a.p.. if it was any amount at the end of the year they would gross that and take what ever money I had paid to my loan balance as a general order for me as a customer for them to stay current with there trust laws of there llc and company which has nothing to do with me as a customer who is on a set payment plan. I even refinanced my car to XXXX a month and non of those payments was applied. They have repossessed my vehicle after I have paid of XXXX for a XXXX XXXX XXXX, through this company which is way more than the lease agreement, I was not offered a pink slip or a title, nothing but getting my car repossessed as they have control of my credit report and my social security number. On top of me being on time and making the correct payments their customer service representative was asking for more money telling me it was not enough drawing me in debt, breach of peace, and possibly filling bankruptcy to get my vehicle back from this company as they threaten to sell my vehicle in a bully tactic and not pay me all my money back from them using deceptive financial practices.
Product: Credit card

See the attached documents. I urge the bureau to begin an investigation into these accounts, as they inaccurately reflect late payments despite my punctuality.
Product: Debt collection

Portfolio Recovery Associates has a collection against me claiming that they purchased an old debt from XXXX XXXX. This is a complete scam as the debt was so old it was no longer posted on my personal credit bureaus. So now we have Portfolio Recovery Associates claiming that they purchased a debt originally written off and settled upon in 2008. As I stated, the account was so old it is no longer posted on any of my credit bureaus. Portfolio Recovery Associates happens to be running a scam, filing on my credit reports that they purchased a 10-year old debt. I request full documentation of ownership in the following criteria : 1 ) The payment history from XXXX since the account procurement. 
2 ) A copy of the debt pooling agreement XXXX pledged the debt asset to, and the terms of transfer back to XXXX once the account went into a charge off status. 
3 ) The timeline when the debt was either settled or permanently written off.

4 ) A true copy of the transfer of ownership to PRA if it ever existed.

Upon the proof that any one of these criteria 's can not be ascertained, I need written validation that my file information has been purged, and that PRA has permanently eliminated the negative trade line from all credit bureaus. 

This type of debt purchase scams has to end on a national level. 

XXXX XXXX
Product: Debt collection

Midwest recovery continues to place delinquent collection accounts on my credit report. Every few months a new collection account appears. I never receive any mail correspondence and I have never gotten a phone call from Midwest. They just add collection accounts and every few months I have to dispute to get them removed. It lowers my credit score each time but it never goes back up. Im begging for assistance with this again today. Im unable to understand how this keeps happening. Also the date opened on the collection account is dated for XX/XX/2020 when I know I have not opened any new accounts. If this account exists I cant even get an accurate year because they report it to the credit bureau as new each time. This is fraudulent and unfair because even after removing these accounts my credit never recovers to the score it was prior. This year alone I have dropped by 22 points with this newest collection and in XXXX when this happened I dropped 22 points. Thats 44 points in 4 months, even though the XXXX collection attempt was removed. I cant get ahead because Midwest recovery keeps doing this to me. Please assist Im very frustrated that in the midst of this pandemic, myself a nurse is fighting to stop fraudulent credit reporting tactics by Midwest Recovery once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the attached document from XXXX confirming that they have REMOVED the bankruptcies from their file because they could no longer verify the information as accurate. 

Therefore, please update your files accordingly. 

Regards, XXXX XXXX SS # XXXX XXXX