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

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 any purpose FDCPA 80 . False misleading information FDCPA 8012 furnishing deceptive forms must correct late payments under CARES Forbes act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Shellpoint Mortgage took over as the servicer for my mortgage in XXXX of XXXX. Since then, I have not been able to log into my online portal to review, pay or change my loan. After many phone calls over the last 8 months, they have been unable to fix my web portal. 

With my previous loan servicer, XXXX, I was on a forbearance program due to losing my job during the XXXX pandemic. When Shellpoint took over my mortgage the continually mishandled the forbearance. They repeatedly told me over several months that I was not on a forbearance program and every time I had to correct them. When the forbearance program ended, Shellpoint did not contact me in the same way that XXXX was handling the forbearance. 

Because I was not able to use the web portal and the lack of communication from Shellpoint, I missed the first payment because I didn't know when the forbearance ended. 

Shellpoint then reported me to the credit bureaus as almost {$28000.00} past due late on my payments, and reported my principal as {$30000.00} more than the actual amount. My loan principal is now being reported higher than the amount the loan originated at in XXXX. 

Customer service can not do anything to fix any of my issues. The " Loan Servicing '' department under no circumstances will communicate directly with customers and as I'm told they are the only ones able to fix loan issues.
Product: Debt collection

XXXX equipment was returned prior to my being contacted by collector. Collector was informed that I had received a confirmation of equipment having been returned, whereupon he hung up on me. Meanwhile satellite provider began to bill me for service that was cancelled several months before. My new satellite provider had disconnected the equipment that was returned when my old service was discontinued. But, old provider did not send the boxes for return of their equipment for several months! XXXX was paid for all service I was provided and nothing is due to them.
Product: Debt collection

Evaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

My cell phone was stolen on XX/XX/2023. A police report was filed immediately after the incident. Following the theft, I noticed that suspicious charges were occurring to both XXXX XXXX and XXXX XXXX. I contacted Truist Bank to shut down the account as soon as I realized that fraudulent charges were taking place. Truist credited my account {$4100.00} pending their investigation. I received a letter from Truist dated XX/XX/2023, stating that they had determined that the charges in question " Were authorized and an error did not occur ''. Truist debited my account {$4100.00}, putting me in a negative balance on XX/XX/2023. I went to the local Truist branch and spoke with the manager. He suggested that I send an email to appeal the decision. I attached a copy of the police report and the Police Officers contact information to the email. I wanted to ensure that Truist had proof that a crime had occurred and that an investigation was ongoing. I called Truist Monday, XX/XX/2023, to ask for an update. I was told verbally that my claim was reviewed for a second time and that their decision to deny the claim was final. 

In addition to calling Truist, I contacted both XXXX XXXX and XXXX XXXX. Because I had to purchase a new phone, I lost access to XXXX and was unable to recover information from my old phone. After spending several hours on the phone with customer service to try and retrieve the data, they concluded that they would not be able to assist me.
Product: Student loan

I have been making as much payments as I can for the past 2-3 years. I have XXXX total loans that I 'm paying. This loan in particular is refusing my payments as of XXXX 2016 because I 'm not meeting the interest.
Product: Debt collection

We have used XXXX XXXX XXXX XXXX in the past until we had a dispute about services. We paid for the service anyway and discontinued their services. We have a new Lawn service that serviced us starting XX/XX/17 and no longer deal with XXXX XXXX. Now I am receiving letters from a collection agency saying I owe XXXX XXXX {$210.00}. I tried to contact the company and they asked me to provide them with the account number from the letter so they could pull up the account before they could discus it with me. The people I contacted was Transworld System Inc Collection Agency at XXXX. They informed me that the account number I gave was not long enough and asked if there were another code number listed that I could give which could not be located by myself anywhere on the letter. The lady at Transworld System Inc could not further assist me because we were not able to pull anything up with my name or the numbers provided. I have since received 2 more letters from this company.
Product: Credit card or prepaid card

I recently applied and was approved for a credit card through Ally bank. Im building my credit up and am attempting to make purchases and immediately pay the purchases off. Ally bank refuses to allow me to make more than 4 payments to the card a month, which was forcing me to roll a balance over each month. After attempting to make a 5th payment online and through the phone, my account was locked by Ally without them notifying me. I only noticed when I wasnt able to log in anymore. I was not notified of this. When I called about it, they wanted me to verify my payment method by requesting my bank send them proof of account standing for the payment method. My bills for this account were electronically delivered to my web account, which means I never received my bill due to not being able to log in to the account. The telephone representatives gave conflicting information on how I could resolve paying the balance and closing the account. Some said I had to mail the payment in and could not pay over the phone ( do not have a statement with mailing address to mail a payment ), others said I could pay over the phone using the bank account that they had stated required verification from the bank ( again, conflicting information ). I finally was able to make my final payment over the phone today, XX/XX/2023, and was able to close the account on the same phone call ( or so they claim ). Ill be keeping an eye out on the account closure, but am concerned about the predatory payment practices of credit card. Why am I restricted to only 4 payments a month. And when I make more payments, why is it so difficult to verify a payment method? This seems predatory and as though Ally is doing everything possible to make paying off a credit card difficult to ensure you carry a balance that has a high interest rate.
Product: Debt collection

I am XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I only get my phone a certain time I cant keep trying to contact however from Spring Oaks.I dont know how they got this email but I have cussed them out for this mess! I had lost my job was unemployed for over a year XXXX XXXX XXXXXXXX XXXX to try to get money. I am in XXXX  like I said soon going to be XXXX  XXXX  of United States to my new XXXX XXXX Also I want Spring Iaks to stop sending any mail to XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Delete from Consumer report agency XXXX XXXX XXXX / XXXX XXXX XXXX 
XXXX XXXX DEPT OF ED / XXXX Reported : XXXX. XXXXXXXX XXXX {$3000.00} + In good standing DEPT OF XXXX / XXXX Reported : XXXX. XXXXXXXX XXXX  {$7500.00} + In good standing DEPT OF ED / XXXX Reported : XXXX. XXXX XXXX {$3900.00} + In good standing DEPT OF ED / XXXX Reported : XXXX. XXXX XXXX {$5000.00} In good standing DEPT OF ED / XXXX Reported : XXXX. XXXXXXXX XXXX  {$8400.00} In good standing DEPT OF ED / XXXX Reported : XXXX. XXXX, XXXX  {$6000.00} + In good standing I never received a recession form I've the right to recession and it wasn't disclosed of the consumer credit transaction. Under 15 usc 1635 15 usc 1611 LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER I Part A 1611 Quick search by citation : Title enter title Section section 15 U.S. Code 1611 - Criminal liability for willful and knowing violation U.S. Code Notes Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both Under truth and lending disclosure We know for those that have been here for some time you guys are fairly new the finance charge is the sum of all charges some of them are charges me the total payments I need the total amount of all charges but granted they're still looking to continue to make monthly payments on something that's already been financed by someone that's already getting credited that's why we talk about the lending misuse of one 's credit and that's why they talk about that you know let 's see it is the purpose of the subject to assure a meaningful disclosure of credit terms so that the consumer will need to prepare more revenue various credits and avoid the uninformed use of credit by why are we talking about avoiding the uninformed use of credit because on the use of our credit we would understand that we are the creditor do every single transaction with these that collectors and financial institution as one from and the rights therefore extend credit.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to SANTANDER BK XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL THESE ADDRESSES I HAVE NEVER LIVED AT/DOES NOT BELONG TO ME : XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX FXXXX XXXX  XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX # DW XXXX CA XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX AK XXXX, XXXX XXXX XXXXXXXX XXXX APTA XXXX AK XXXX, XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX XXXX XXXX XXXX AK XXXX XXXX ( AND ) PLEASE REMOVE ALL THESE NAMES THAT IS NOT MY NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand what my rights are under the FCRA summary shown on XXXX, my rights have been breached with the accuracy, fairness, and privacy of information. I have never consented to this person towards anything related to my credit/or accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY CONSUMER REPORT AND I FOUND INACCURACIES ALL OVER THE REPORT AND I WANT THEM DELETED IMMEDIATELY LISTED BELOW WITH INACCURACIES SHOWN. 

XXXX COLLECTION BALANCE XXXX XXXX ACCT # XXXX, SHOWING OPEN ACCOUNT, OPEN DATE ( XX/XX/XXXX ) XXXX REPORTED ( XX/XX/XXXX ). ( TRANSUNION ). 


XXXX XXXX COLLECTION BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED ACCOUNT ( INACCURATE ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE ) ( XXXX ). 


XXXX XXXX BALANCE XXXX XXXX ACCT # XXXX SHOWING A CLOSED DATE ( INACCURATE ) TRANSUNION SHOWING OPEN STATUS. OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) DATES ARE ( INACCURATE WITH TRANSUNIONS DATES.
Product: Credit reporting or other personal consumer reports

In Engelhardt v. Gravens, it is presumed that no evidence of the debt exists.I am writing to formally demand the immediate deletion of any derogatory information on my credit report that has not been fully verified as true, correct, complete, and compliant with all applicable reporting laws, including the FCRA, FCBA, FDCPA, and XXXX XXXX COMPLIANCE STANDARDS.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Payday loan, title loan, personal loan, or advance loan

The company insisted that I took loan from them, they keep sending emails and calls that I am late with payments. I didn't loan anything from this company. They have official website and phone number. 
XXXX XXXX XXXX Www.nationalnationloans.com
Product: Credit reporting or other personal consumer reports

I noticed fraudulent accounts on my credit report recently. These need to be removed as they are damaging my creditworthiness. 
XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage with XXXX XXXX XXXX XXXX was paid in full. My balance is XXXX on this account and all three credit bureaus are reporting old information.
Product: Debt collection

Portfolio recovery calls numerous times a day until late in the evening, past XXXX CT. I do not have any credit card debit in collections and this company is ruthless and incompetent.
Product: Credit reporting or other personal consumer reports

This is the 3rd time I have disputed a serious error with GM FINANCIAL # XXXX over a lease agreement that was satisfied and completed before the said date yet was WRITTEN OFF AND STILL reporting as late payments over a year later even though the account was PAID IN FULL and CLOSED it is not accurate. I have spoken to a financial manager and requested several times for the account to be updated properly with no response. I have no other resolution but to exercise my right to a lawsuit, I am looking to avoid this action if it can be fixed today as soon as this is complaint has reached the credit bureaus. I still have issues with a fraudulent account showing from XXXX  XXXX # XXXX, XXXX  XXXX XXXX #  XXXX, XXXX XXXX XXXX  # XXXX. 
i HAVE FILE A REPORT AND AM WAITING FOR A UPDATE!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to Experian a collection/chargeoff in the amount of {$120.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I paid {$120.00} directly to the clinic. I have attached a copy of the bank transaction showing this account was paid on XXXX. This account needs to report a {$0.00} balance and not be reporting as a collection/chargeoff. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.
Product: Vehicle loan or lease

We leased a new XXXX XXXX XXXX XXXX from XXXX XXXX Honda. We returned this vehicle to the dealership and received formal notification of the vehicles return on XX/XX/XXXX. On XXXX XXXX XXXX we provided a check for XXXX to Honda Financial services for the Virginia property taxes on the vehicle for XXXX. At the time we turned in the vehicle we actually purchased a new XXXX XXXX from the dealership which we still own and make payments for to Honda financial services. 

Honda Financial Services received a property tax bill from the County of XXXX for the XXXX property taxes on the vehicle that we turned in in XXXX XXXX for {$230.00} due on XXXX XXXX, XXXX. Honda Financial Services paid this tax and now they are apparently attempting to bill us for the XXXX property tax on a vehicle we turned into them in XXXX of XXXX. 

We have informed the company repeatedly of this problem and they keep sending us letters saying we owe the tax. We do not and refuse to pay Honda Financial Service for a vehicle we do not own.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft and XXXX XXXX debt XXXX  and would like for all listed accounts to be BLOCK AND DELETED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/22 someone opened a best buy credit card in my name and made over {$4000.00} worth of purchases. I did not open the card or make the purchases.
Product: Mortgage

Im trying to purchase XXXX XXXX XXXX XXXX XXXX MD XXXX. I started the process with Wells Fargo in XX/XX/XXXX. They couldnt get an appraiser down her till XX/XX/XXXX. The appraiser report is incomplete and missing the whole point of the appraisal. It doesnt not have the estimated appraised value for the home. It was intentionally blurred out. The comps are clearly seen. But I didnt pay for neighboring home. 
I filed a previous complaint. But Wells Fargo responded with a response citing another mortgage appraisal I had done by them in XX/XX/XXXX. That was done accordingly. Im filing for XX/XX/XXXX. 
I called and left a message for the agent who didnt call me back. I called the toll free number today and was hung up on. Repeatedly.
Product: Money transfer, virtual currency, or money service

PayPal - negative {$4600.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4600.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4600.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I provided written notice to XXXX XXXX XXXX XXXX expressing that I wish to exercise my right to opt out of the sharing/reporting/sale of my non public personal information as it violates my right to privacy. 
See, Auto loan : XXXX, Account Owner : XXXX XXXX XXXX , Principal balance : {$9400.00}. It is being reported to non affiliated third parties and I am requesting that such information be removed for these non affiliates, database. These non affiliates have stored this information shared it inaccurately, and have sold it. It has been reported incorrectly on my consumer reports with multiple different reporting agencies, and I now request that the CFPB preforms in its duty, to enforce my rights as a consumer. Per, 15 U.S.C. 6801-6805 and, 16 CFR 313.7 I am aware, You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. 
I am aware of, Continuing right to opt out. A consumer may exercise the right to opt out at any time.

I am also aware of Duration of consumer 's opt out direction. A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 
Let this serve as notice of my request for OPT-OUT.
Product: Debt collection

I have repeatedly on the telephone told these people that I never contracted the XXXX small debts that are assigning to me. It is either an identity mix-up or some other form of fraud. These debts, though small, now appear on my credit reports. When I tried to get help with this from them, they took my personal information and then tried to charge me a dollar to verify my identity. Not only am I uneasy about having given them this information, I now wonder if it isn't perhaps a scam of some sort. Is it possible they come after seniors with bogus debts and then use this premise to get their personal information for nefarious purposes? Here I am minding my own business and paying all my bills like a decent person and suddenly I have to deal with this nonsense. The XXXX charges were posted to my credit report on XX/XX/XXXX and XX/XX/XXXX 2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX BalanceOwed : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Request to Block Information Due to Identity Theft under the FCRA I am writing to formally notify you that I have been the victim of identity theft, which has resulted in inaccurate or fraudulent information appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you block this information from my credit file without delay. 

The relevant portion of the FCRA mandates that credit reporting agencies block the reporting of any information that the consumer identifies as resulting from identity theft within XXXX business days of receiving : XXXX. A valid identity theft report ; XXXX. The identification of the fraudulent information on the credit report ; XXXX. A statement from the consumer indicating that the information does not relate to any transaction they made. 



I am confident you will act promptly in accordance with Section 605B of the FCRA to block this information from my credit report. Please send a written confirmation once the information has been blocked. 

Thank you for your prompt attention to this matter.