23daVinci/CFPB_Complaints huggingface dataset:
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, Account name : XXXX XXXX  Account name : XXXX XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

I have contacted Shellpoint Mortgage and XXXX XXXX in regards to load number ****** for the property address ****** XXXX, XXXX XXXX, CA, XXXX. 

This loan has been recently transferred from XXXX XXXX to Shellpoint Mortgage Servicing in the month of XXXX. I would like to firstly note that I have not received any notification whatsoever from both Shellpoint and XXXX XXXX about this change. 

Additionally, I also see that Shellpoint account reports 3 payments due for the months of XXXX, XXXX and XX/XX/2019. I paid the XXXX and XXXX payments to XXXX XXXX. Please find the monthly statement for XXXX from XXXX XXXX which shows no statement balance, and also my monthly statements which show 3 payments made to XXXX XXXX ( for XXXX and XXXX ) out of which I had to revert one due to duplicate payments processed. 

I reached out to both Shellpoint and XXXX XXXX in regards to this in the past one week without much success to get this resolved. I can only pay my XXXX payment due when : 1. I receive my monthly statement from Shellpoint 2. I receive a transfer notice from XXXX XXXX and Shellpoint 3. My outstanding balance due is fixed at Shellpoint. 

I would appreciate your help expediting this request to correct the balances.
Product: Debt collection

ask for 1099-C but never received it as the account is still showing a balance on credit even though it has been charged off.
Product: Debt collection

I sent a communication to LVNV FUNDING, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( LVNV FUNDING AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.
Product: Debt collection

Transworld Systems Inc. keeps sending me letters about a debt I owed to XXXX XXXX. I have already paid the full amount in XXXX via check sent directly from XXXX Bank. My full account details and account number were on check, and I have proof from XXXX that the check was sent to the correct address. I need TSI to stop harassing me about a debt I paid months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been more than 30 days and you are in violation of this law because I am a victim of identify theft! Please delete these items immediately.

These accounts should not be furnished on my consumer report as they are in violation! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of the accounts listed immediately. 

Inquiries : XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX, Inquiry Date : XXXX, XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX, XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Account Names : 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

Portfolio Recovery. 

We had 5 credit card accounts. Our credit report shows " no late payments '' " ever '' until XXXX or XX/XX/XXXX. 

We took out Chapter XXXX Bankruptcy on XX/XX/XXXX. All payments were current. We were told the trustee would pay the cards and no further interest would be charged. We took out Chapter XXXX to hopefully settle some things on our house. Every bill we had was current and paid to date. Again, there is continued perfect history on our vehicles, electric payments, insurance, etc. 

As soon as we filed the bankruptcy paper, our credit cards closed the account. In addition, as we find out two years later, the credit card companies immediately sold the debt to collection companies for pennies on the dollar. It was not to collect for them as the trustee would have been paying them for the next 5 years. 

After settling on the house, we withdrew from the bankruptcy. We saw Portfolio Recovery checking our credit. Then we started getting calls from them. They said they were collecting for the credit card companies. We settled 3 of the accounts as agreed and were doing payments of the other two for 5 years. 

Every month, portfolio as a collection agency, is stating that a late payment is received and reporting it on XXXX 's credit report. They also reported my payments to them when paid in full as late. 

Our insurance company on our house told us we were a poor risk and raised our premiums because we made late payments to a collection agency. 

Attached are a viewing of XXXX and XXXX payments that they automatically take from our bank account. Again, we receive and the credit report shows that the payment is late. 

Portfolio Recovery is a debt buyer not a collection agency. They are destroying our credit history by reporting it late and that " we were sent '' to collections. AGAIN THIS IS WRONG. They bought the debt -- period. Now they continue to ruin our credit by false reporting even though they are getting paid every month on time as they agreed. 

We do n't think they should be allowed to report payments this way and ruin our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the disputed items will be corrected or deleted soon : XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We purchased a home with three separate parcels of land. All taxes were to be escrowed. I sent them Chase bank copies of delinquent tax notices on 2 of the three parcels of land. They were about to foreclose on XXXX of the XXXX acres financed with my home. Chase never got back to me after I sent them the delinquent tax notices. They did say there was a shortage in my escrow account, raised the payment but never paid the first tax since 2020 when we purchased the land. I inquired late fees, penalties, etc all because of Chase Bank. I paid the delinquent taxes {$1200.00} and refinanced the loan, I am no longer with Chase Bank. Please investigate into my loan because something is not correct and it has been that way since we first signed papers. I will never use Chase Bank again. They were literally about to let me loose my land that I had been paying on for 2 1/2 years with out missing any payments, I always paid extra on the loan.
Product: Checking or savings account

I apologize for contacting you directly, but I am experiencing an issue with a transaction I made on XXXX using the XXXX app. I sent {$500.00} to my landlord, which was my third transaction in the past 30 days. However, my money was deducted, and it has been three days, but my landlord has not received the funds. He has also provided proof that he has not received any money from me. Consequently, I am currently in default, and the bank employees have been unable to assist me. I would be grateful for your help in resolving this issue promptly since this is my hard-earned money. I have included the transaction details for your reference. 
My contact number is XXXX. 
please request urgent help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had an account become delinquent with XXXX XXXX XXXX nor did I receive any notice of missing payments or a collection account. Just now I came across this supposed account by checking my credit report. I want proof it belongs to me or for it to be removed from all credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they have also violated my rights under 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. 

The account : XXXX # XXXX is still reporting to my credit report Inaccurate information I received a letter from XXXX, Stating THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. This a violation of my rights
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, ( CFPB Complaint # XXXX ) I submitted a complaint concerning several accounts on my credit report, citing identity theft. I have followed all necessary procedures, including providing a valid identity theft affidavit, to prompt a complete and thorough investigation. 
However, in response, your agency has simply stated that the accounts in question were verified without supplying the actual sources or evidence relied upon for this verification. This failure to provide the requested documentation or a detailed account of the verification process runs contrary to the transparency and accuracy obligations imposed on consumer reporting agencies under FCRA 611. 
FCRA 611 and Request for Reinvestigation As a result, I formally request that your agency conduct a reinvestigation of the disputed items in accordance with FCRA 611. Specifically, I demand that you : 1. Provide the source of information used to verify the accounts in dispute this includes identifying the furnishers or third-party entities contacted during your verification process, as required by law. 
2. Confirm whether your agency contacted the Federal Trade Commission ( FTC ) regarding the identity theft affidavit submitted this confirmation is essential to ensuring that due diligence was followed in verifying the accuracy of the contested items.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Subject : Complaint Against Wells Fargo for Unresolved Fraudulent Charges Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Wells Fargo Bank regarding unauthorized and fraudulent charges made to my account, which the bank has failed to resolve despite my longstanding history and repeated efforts to address the issue. 

I am a XXXX XXXX XXXXXXXX XXXX  veteran with XXXX XXXX and XXXX. I am also XXXX XXXX retired, and living on a fixed income. I have been a loyal Wells Fargo customer for over 30 years, receiving direct deposit of all my VA and XXXX, XXXX XXXX pensions, and I have never missed a payment or defaulted on any loan with them. 

Recently, I discovered fraudulent charges on my Wells Fargo account. I followed their procedures for disputing these charges, but Wells Fargo denied my claim without a legitimate explanation. I was also XXXX XXXX XXXX XXXXXXXX at the time and under the influence of XXXX XXXX, further compromising my ability to track my finances closely. 

I believe Wells Fargo is not acting in good faith and is attempting to hold me responsible for charges I did not authorize. This situation has caused me intense emotional distress and has put my financial stability at serious risk. I believe their actions are not only unethical but potentially discriminatory given my age, service-connected XXXX, and mental health condition. 

I am requesting your immediate investigation into this matter and assistance in getting Wells Fargo to reverse these fraudulent charges. I can provide documentation of my identity, medical conditions, military status, and all correspondence related to this dispute upon request. 

Thank you for your time and attention to this matter. I look forward to your help in reaching a fair and just resolution. 

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

n accordance with the Fair Credit Reporting act XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled several accounts that was sent to collection. I informed these creditors that my spouse open this account without my knowing however, I was willing to settle with them if they can remove and delete derogatory records from my credit report. They said yes and promised to send me a letter in the mail. The letter never came in the mail and my settlement payments were made. I hope to start XXXX school in 6 months and need private loan to fund my education. Please I needs these derogatory records from my credit report in good faith. I completely paid the amount they agreed on and I was looking forward for a second chance.
Product: Vehicle loan or lease

I have a car loan with Bank Of America since XXXX. 
On XX/XX/XXXX I make a payment by phone to Bank of America since I did not want to incur in a late fee. I give them my Bank routing number and my account. I receive a confirmation number of the payment ( XXXX ) over the phone. 
I pay my XXXX loan fee at the beginning of the month as usual. 
At the end of XXXX I receive a letter from them dated XX/XX/XXXX saying that they did not receive my XX/XX/XXXX payment and now I have an added XXXX $ late fee to payment. 
I called XXXX  to straighten out the mistake and, after XXXX hour of speaking with different representatives and finally a supervisor, I find out that the XXXX payment did not go through because they wrote the incorrect account number ( the supervisor, I finally spoke to, verified the routing and account and saw the error ). They then took my on time XXXX payment, which I usually round up to XXXX instead of the XXXX $ required, as the late XXXX payment and then they tell me that I am late for my XXXX payment as well and I have to pay a late fee on that as well. 
Note that they sent out the letter for the late XXXX fee way past the 10 day grace period and they did not notify me before that that the payment did not go through. 
They wont reimburse the late fees right away, although it's their mistake, and I even have to pay the late XXXX fee over the phone. 
They say that they are going to reimburse me the late fee and detract them from my principal balance. 
They have a specific " Late fee Department '' which you can not talk to or email since they told me they do not have a phone or email and I have to wait to see if they detracted the fee in my next statement. 
They do not complain if I pay them a bit above my monthly fee, but they can not give me the XXXX $ back right away when they made a mistake and make me spend XXXX hour on the phone with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g