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

I was granted a Covid relief program from XX/XX/XXXX until XX/XX/XXXX with XXXX XXXX XXXX. During this time, XXXX has changed service providers. I began getting notices saying my account was past due, and they would pursue legal action if the mortgage is not brought current immediately. I called and was told to disregard the notices and don't worry. Then in XX/XX/XXXX prior to me having to make my 1st mortgage payment in XX/XX/XXXX, I was sent modification paperwork to change the terms of my mortgage and roll over the forbearance months payments into the mortgage creating a new payment increase of over {$100.00}. I was ok even though I was initially told that the payments would be moved to the back of the mortgage and the payments would stay the same initially. So, I submitted the paperwork through XXXX  mail in that was sent to me, and expected to make my 1st new payment in XX/XX/XXXXXXXX. Every time I go to the new servicing website, it says I have to call because my account is so far past due from XX/XX/XXXX. When I call, the new servicer states don't worry, we are still waiting on the documents and account information from the old servicer, disregard all past due mail correspondence and it won't go against me. Then this week, I was reported more than 120 days past due to the credit agencies and my credit score has gone down over 40 points. I really keep trying to pay everything on time and communicate with XXXX, and 2 years prior to this, XXXX gave me a forbearance for 3 months and stated it wouldn't count against me because we were in a bad car accident, then it went on my credit as a negative mark anyway. I filed a XXXX XXXX XXXX dispute and the CFO of XXXX supposedly said they would never say it wouldn't go against me and they wouldn't agree to this during that time of my car accident. I gave up because I just wanted to get away from this mortgage company. This time I have the paperwork that states what they agreed to with this Covid relief plan they offered me. I am trying to get away from this company and find a new one and they keep putting negative marks on my credit so I am stuck with them. Can someone please help me, I am a healthcare worker with a XXXX wife and daughter that is fighting for my credit to be accurate and nobody is helping me.
Product: Credit card or prepaid card

Got a letter from American Express stating they needed some financial and income documents. Called and spoke with representative on XX/XX/XXXX. Confirmed that my paystubs and bank account info would be enough. They need two she said. I explained I get paid every two weeks. I sent in my next two paystubs. They received the later paystub on XX/XX/XXXX, although I sent it in late XXXX. They cancelled my account on XX/XX/XXXX after entering my information into their computer system on XX/XX/XXXX. I was told today that this was after the deadline, which I was unaware about. This was also not mentioned on the phone call I had on XX/XX/XXXX, although the representative knew I would be sending the second stub no earlier than mid XXXX. Why would they take my information and still cancel?
Product: Credit reporting or other personal consumer reports

There is a false and incorrect address on my credit report and I want it deleted immediately. Delete the address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I disputed this with the credit bureaus XXXX XXXX and XXXX i asked them to re investigate the completeness and accuracy of my account on my credit report i got my investigation back and i noticed they didnt update or modify my account
Product: Credit reporting or other personal consumer reports

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: Credit reporting or other personal consumer reports

I purchased and signed a contract to purchase my vehicle XXXX XXXX XXXX XXXX on XX/XX/XXXX. My mom XXXX XXXX is my Co signer and my name is also on the contract. I reached out to XXXX XXXX XXXX  back in the begging of XXXX to see why my car loan has not been reported to the credit bureaus and my payments as well and to see why it does not show I have a auto loan in mine and my moms name. They started an investigation and said it would take 30 days to hear something back and I would receive an email. They said if i did not see an update i needed to reach out to the credit bureaus myself and they would have to take care of this issue. They never called me or emailed me like they said they would so I reached out XXXX XXXX. They said the investigation was closed XXXX XXXX and everything the credit bureaus needed was sent over to them and they should be updating it. I called XXXX XXXX and Equifax yesterday XX/XX/XXXX to see why I have not seen it on my credit report yet. They said I would need to call XXXX because they never received any information on this loan and it was out of their hands. I called XXXX XXXX XXXX back the same day and XXXX basically said there was nothing they could do, that an investigation had already taken place but there was no updated notes on the account. I was very upset and frustrated that I am paying for a vehicle that is not even being reported and i feel I just keep getting the run around and there is nothing I can do about it. I asked to speak with a supervisor but they would not transfer me and said the department I needed to speak with was closed already. I spoke with a CSR named XXXX at XXXXXXXX XXXX XXXX  and he said they would note my account to have someone call me back XX/XX/XXXX at XXXX but no one ever called me. I called back at XXXX that same day while i was still at work and I spoke with a CSR at XXXX XXXX XXXX  named XXXX who said there was never a note made and there were no supervisors on the floor available. I called back about the same thing three more times on different dates over the past 8 months and get the same response but still have received no emails and the credit bureaus still have not received anything till this day. I feel that im getting no where! I XXXX XXXX XXXXXXXX XXXX and they have lawsuits against them and other people have the same issue with them not reporting to the credit bureaus and get the same response but get nothing back! They also gave me a car with a 20 % interest rate. I will never finish paying this vehicle off!!
Product: Debt collection

I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX 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

On XX/XX/year> I notified this agency that I was a victim of identity theft via certified mail and as of today XX/XX/year> this agency continues to report information that resulted from the identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX, XXXX, XXXX as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than 4 business days after the date of receipt by such agency of ; 1. ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.
Product: Debt collection

The company Online Information Services recently added a collection in the amount of {$540.00} to my credit report. I called the company to inquire about the collection in an effort to validate the collection. I was given no information that validated the collection. I inquired about who the collection was for and i was told XXXX XXXX. I asked for an address and phone number for XXXX XXXX and was told they couldn't give me that information. Although I was told XXXX XXXX was the original creditor ; Online Information Services is listed as the original creditor on my credit file. That would be misinformation. I inquired about why they were listed as the original creditor on my file. The representative became agitated and stated they couldn't answer that question because they didn't have my credit file. I also asked could they email me the original debt and contract agreements I had with them or the original creditor. Again i was told no they couldn't email me anything. I asked why hadn't they contacted me before adding a collection to my credit. I was told they mailed an attempt to collect a debt. I asked to what address and the address they stated was not my address. I have never had an account or any dealings with XXXX XXXX or Online Information Services. I have never received any mailings from either company. I refused to pay any debt that was unverifiable and that I had zero knowledge of. the debt is being reported without any accuracy, validation, or truthfulness. As of today I still have no knowledge of whom the original creditor is. I told the representative that the call would be monitored and recorded to which he declined. I further have sent notice to the debt collector to cease communication pursuant to 15 U.S. Code 1692C which states if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Checking or savings account

1. On today, XXXX XXXX, 2019, I attempted to file a dispute online and was directed to contact Bank of America disputes department at XXXX XXXX XXXX. 

2. I spoke with XXXX, who stated he could not process my dispute until I returned the item to the merchant. 

3. I asked for his ID and he said he has no ID to provide. He said it's private for internal use. 

4. I ask for supervisor, saying I'd prefer to speak with someone who can provide an ID #. 

5. The supervisor, XXXX, says she has no ID ; no supervisors have ID at Bank of America. 

6. XXXX says there is no one higher up with whom to speak, no one with an ID with whom to speak at Bank of America. 

7. For a large company like Bank of America, with hundreds if not thousands of agents, it is unacceptable to not have ID # s for agents that customers can use as a reference in future conversations. XXXX admitted he was not the only XXXX in Texas, which was his call center location, which means that if the call is not recorded and I say I spoke with XXXX, I would be told there are multiple Cesars and no way to verify with whom I spoke. 

8. If internal ID # s are private for some reason, then Bank of America can come up with a second ID # for external use for each agent.
Product: Mortgage

I applied for a loan modification with Shellpoint mortgage on or about XXXX XXXX After a devastating inheritance court matter challenging my inheritance, I experienced a hardship and my credit score was affected negatively - I now have new income and family members who are contributors, certainly sufficient income - in a letter dated XXXX XXXX XXXX, Shellpoint denied the modification - I had questions and contacted Shellpoint - I was told that my home had " a lot of equity, and could I not get a loan on the equity to take care of the arrearages? '' Following the inheritance matter, my excellent credit score was now very low - I am not able to get an equity line until my credit is higher - that is why I need assistance - In this same letter Shellpoint stated that the the payment- to- income ratio is out of the acceptable range - I have not been given any targeted numbers but just this vague statement - I now have a new modification with XXXX XXXX loans on another property with no arrearages and payments in the amount of {$1600.00} are current, This should now be reflected on the credit bureau raising my score also - My land is paid for. - my car is paid for - I have minimal bills. - I am in the process of beginning to clean up my credit and would like a new start - I appealed this decision and have not yet heard from Shellpoint - Meanwhile I was told by Shellpoint to re-file another modification application whic I have done. I understand that it is complete and " in review '' presently. - I hope that Shellpoint will consider my hardship, see that I have turned around things and not base another decision on my credit score - many items on the credit bureau I will dispute - they are residue of the inheritance matter and old debts ( beyond the 4 yr statute in Georgia ).
Product: Mortgage

I have a mortgage loan with Pacific Union Financial LLC. This was a VA loan that I closed on in XX/XX/XXXX. I called XXXX XXXX customer service that following year in XX/XX/XXXX to ask them to increase my escrow amount given that the first years taxes were on my land value only and did not include my improvements ( my property ). I had an estimated bill from my county that showed the new escrow amount but they would not allow the increase. I then asked if I could send them extra funds so that there would be a sufficietn amount in escrow to pay taxes at which time they stated that any extra money would be applied to principal only. Given this outcome, I was forced to wait until XXXX XXXX paid my taxes at which time my account is now in the negative {$3000.00}. 

On XX/XX/XXXX I recieved an escrow analysis detailing this event and was given two options : 1. Do nothing and my mortgage increases to {$2700.00} from {$1900.00} and 2. Pay {$5500.00} and my mortgage payment increases to {$2300.00}. The problem with either scenario is that XXXX XXXX is requesting I overfund my account by over {$2500.00} dollars ; money in which they will have to return to me within 30 days according to 12 CFR 1024.17 ( f ). I called XXXX XXXX on two occasions to ask for a reanalysis and on my second call I spoke with a supervisor XXXX ID # XXXX. XXXX informed me that she understood the law but stated that it is XXXX XXXX 's proceedures to have a " cushion. '' I again explained that it is against the law for them to keep a surplus amount above the amount for my taxes and insurance needs and need the mortgage amount changed. XXXX explained that this could not happen. I then asked XXXX what would happen if I paid the {$3000.00} decficit then paid {$2300.00} and she stated that would be a partial payment and my account would be in default. Please note, my principal and interest payment is only {$1800.00} a month.
Product: Credit reporting or other personal consumer reports

I requested a FCRA Section 611 ( a ) ( 6 ) and ( 7 ) method of verification for a previously disputed item on my credit report. Per the FCRA the CRA has 15 days to respond to my request. They did not respond in the allotted timeframe. They are in direct violation of the FCRA. I ask that the item be deleted off of my credit report based on noncompliance by the credit bureau. 

The acct is : XXXX XXXX XXXX XXXX acct # XXXX {$750.00} Original Creditor XXXX XXXX XXXX The letter sent was received by Transunion XXXX XX/XX/23. 
USPS Tracking # XXXX
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX Account Number : XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Description of Inaccuracy : Past due amounts shows an inaccuracy XXXX XXXX Transunion is reporting a balance {$2600.00}, but XXXX is reporting a {$0.00} balance Also Times XX/XX/year> Days Late payment counter shows inaccuracy I have reviewed my credit report and found this information to be inaccurate based on my records. I am requesting a thorough investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. Please update and correct the accounts below : XXXX  XXXX ...., XXXX  XXXX XXXX ...., XXXX XXXX XXXX XXXX ...., XXXX XXXX XXXX  XXXX ...., XXXX  XXXX XXXX., XXXX XXXX ....
Product: Credit reporting or other personal consumer reports

Statement Regarding Unauthorized Sharing of Personal Information To Whom It May Concern, I am writing to address a concerning issue regarding the unauthorized sharing of my personal information by Comenity Bank on my consumer report. This unauthorized sharing of information has come to my attention and raises serious concerns regarding the protection of my privacy rights and compliance with applicable laws and regulations. 

Comenity Bank 's actions in sharing my personal information on my consumer report without my authorization are in direct violation of several laws and regulations designed to safeguard consumer privacy and ensure fair credit reporting practices. Specifically, these actions may contravene the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), Consumer Financial Protection Bureau ( CFPB ) regulations, and potentially state privacy laws. 

The FCRA mandates the accuracy, fairness, and privacy of consumer credit reports, including the permissible purposes for accessing and sharing consumer information. The unauthorized sharing of my personal information by Comenity Bank may violate the FCRA 's provisions related to permissible purposes and the accuracy of consumer reports. 

Similarly, the GLBA requires financial institutions to protect the privacy and security of customers ' nonpublic personal information. Comenity Bank 's unauthorized sharing of my information may breach the GLBA 's privacy requirements and regulatory standards set forth by the CFPB. 

Additionally, state privacy laws may provide further protections for consumer privacy rights and impose additional requirements on the collection, use, and sharing of personal information. 

I demand immediate action to address this unauthorized sharing of my personal information by Comenity Bank and to rectify any inaccuracies or violations of my privacy rights on my consumer report. Furthermore, I expect Comenity Bank to implement measures to prevent similar unauthorized sharing of personal information in the future and to comply fully with all applicable laws and regulations governing consumer privacy and fair credit reporting practices. 

Please provide confirmation once the necessary actions have been taken to address this matter and ensure the accuracy and privacy of my consumer report. 

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

I filed a complaint and sent a letter out on XXXX XXXX XXXX to XXXX XXXX, Experian, XXXX, and XXXX. My complaint # XXXX. However, it has been more than 30 days and this account has not been deleted from my Experian account. this is not making any sense being that this account is fraudulent and this company trying to collect this debt isn't even licensed and legally allowed to collect in the state of Florida. 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. As i stated previously XXXX XXXX  is not licensed/registered to collect in the state of XXXX That is illegal! According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller.