23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2.

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

15 U.S.C.1681 section 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Mortgage

this is not the 6th complaint as shellpoint continues to keep playing XXXX. 


XXXX was paid to shellpoint 3 times in XXXX of XXXX. 
When Shellpoint received funds from HAF a year later from the state of maryland. 
They applied montly mortgage payments to the 3 months that already were paid XXXX times 3. 
So double payments XXXX. Shellpoint needs to credit the XXXX times 3 as payments the account fo rany current monthly payment due this year. 

XXXX. Stae of Maryland has rules that the mortgage balance is brought fully current with Shellpoint when the last payment was received and processed by Shellpoint. 
As this was 4th week of XX/XX/XXXX, Shellpoint was required to state that the mortgae is now reinstated AND CURRENT. 

But shellpoint attempted to claim both XXXX and XX/XX/XXXX payments are outstanding. 
We are contacting the State of Maryland 's Attorney General and other mortgage financial regulation divisions plus the Manager of the HAF program as Shellpoint has refused to abide by their agreement. 
Shellpoint has also failed to send out a mortgage reinstatment letter after numerous requests. 

XXXX. Shellpoint also has failed to list MONTHLY payments made when they used the HAF funds from the Govt for my mortgage. 
By law they need to list EACH month, not just several months at a time. 

XXXX. Shellpoint sent me a demand for nearly 8 thousand dollars in XXXX which is completely wrong number by thousands of dollars. 


These items all need to be addressed PLUS the raise in monthly mortgage payments when they promised state of maryland to lower them
Product: Debt collection

In XX/XX/XXXX I received a letter from Convergent Outsourcing , Inc. attempting to collect a debt on behalf of XXXX. I only own one account with XXXX that I opened on XX/XX/XXXX and it's always been on autopay and current. When comparing the account on the collection letter and the sole open account I have knowledge of with XXXX did not match. I responded to the collection agency via mail in XXXX after the second letter from the collection agency and after calling XXXX and confirming there were no other accounts open in my name with my Personal Information. I sent a letter to the collection agency bringing that to their attention. They responded back stating that they will continue to collect and that I should contact XXXX instead to resolve my collection. I reached out to XXXX on XX/XX/XXXX and provided them with the account number on the collections letter and they confirmed that my social security did not match the account, the service address was not the same either, and the phone numbers were not the same. Without the collections agency verifying this information, they put the negative remark on my credit report and send the collections letter to my address. Not only jeopardizing my credit but also giving me private information of 3rd parties. I need this investigated.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : [ XXXX XXXX : [ XXXX ] XXXX ENDING IN XXXX [ XXXX XXXX : [ XXXX ] XXXX XXXX ENDING IN XXXX Your company is clearly in violation of the law. 

Under 15 U.S. Code 1681a Definition ; rules of construction 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information Prohibition ( A ) Reporting Information with actual knowledge of errors, THE LAW CLEARLY STATES IN 15 U.S. C 1681a 2 ( A ) ( i ) ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please change the above late payments to paid as agreed on my consumer report ; this agency is in violation of 15 USC Failure to respond satisfactorily with changes of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collectors Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX through XX/XX/2018, I contacted all three credit reporting agencies and requested a deletion of the Credit Card Company 's account of delinquency. I thought one of the agencies removed/deleted the bad 'mark. ' However, the XXXX XXXX 's XXXX XXXX said it still remand. I had a sickness and a death in the family which prevented me from pursuing after I sent verification of my identification to the credit agencies. Please, read my concern and attachments. Thank you for your anticipated cooperation and I look forward in hearing from you. 

With Warm Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are the only 2 places I have lived in the past 13 years.
XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX.

Therefore I could not have been at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXXXXXX
Placed for Collection:
XXXX 
COLLECTION AGENCY/ATTORNEY
Balance: XXXX
Date Updated:
XXXX Original Amount:
XXXX Original Creditor:
XXXX XXXX (Rental/Leasing)
Past Due:
>XXXX<
Pay Status:
>In Collection<
 
Also I have never done business with XXXX XXXX. 
I was not in the state when this was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including 4 inquiries that I have not gave anyone authorization to make. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts form my name. 

XXXX  XXXX {$420.00} XXXX   XXXX  XXXX {$420.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$61.00} XXXX XXXX {$71.00} XXXX XXXX {$100.00}
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX # XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting late payment this past year when I called and explained that the family had XXXX they said they would not report late and the payment was sent
Product: Credit reporting or other personal consumer reports

Moments ago, XXXX notified me via email that they have completed the requested investigation of my previous CFPB complaint ( Complaint Number : XXXX ). I am exercising my right per the FCRA to request a reinvestigation. Within the aforementioned complaint, I specifically communicated and requested that ALL entities, due to a laundry list of valid and legal reasons to please promptly and permanently delete their respective accounts, and for any company that chose not to, to provide me with documentation, which I will list below. XXXX of the XXXX disputed companies did the right thing and deleted the accounts which they were reporting. However, the XXXX companies that did not delete the disputed information were APPLE CARD XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  XXXX, XXXX APPLE/GS bank is aware and have confirmed to me when contacted, that I was compromised. XXXX has already confirmed to me that they are aware the account is fraudulent, and have told me personally on XXXX occasions that they would remove the account. Both companies have, or used to have, on record, a previously filed and submitted police report and Federal Trade Commission complaint, and neither company has deleted their respective accounts. I have conformed that they have this documentation on XXXX occasions ; once in XXXX, and again in XXXX. I SPECIFICALLY stated in my complaint that ANY CREDITOR/ENTITY THAT CHOOSES TO NOT DELETE THE DISPUTED INFORMATION, MUST THEN 1. PROVIDE ME WITH SUFFICIENT DOCUMENTATION OF PROOF, EVIDENCING SAID VERIFICATIONS OF THE ACCOUNT ( S ) WHICH IS BEING FURNISH, -WHICH WILL HOLD UP IN COURT BECAUSE " ACCOUNT STATEMENTS '' WON'T SUFFICE ; 2. THAT THEY MUST UNDENIABLY PROVE THAT THESE ACCOUNTS AND ALL ASSOCIATED INFORMATION WITH THEM ARE FACTUALLY TRUE, CORRECT, TIMELY, ADEQUATELY COMPLETE, AND OR UNDOUBTABLE ; XXXX. FURTHERMORE PROVE THAT I AM WHOLLY THE RESPONSIBLE PARTY. APPLE/GS BANK and XXXX did NOT provide me with ANY documentation whatsoever. With that being said, -my name, address, phone number, email, or any other form of public information, real or not, associated with me or not, does not give anyone the right to use that to automatically verify any accounts that do not belong to me!
Product: Checking or savings account

Citibank offered a XXXX XXXX mileage promotion in which a customer opened a new account for various deposit amounts to receive mileage. 

I deposited {$50000.00} to qualify for the bonus of XXXX miles. 

Terms and conditions on offering circular stated deposit new - to - Citibank funds into your On deposit balance within 30 days and maintain the deposit balance for 60 consecutive calendar days and sadly, you will earn up to XXXX bonus miles I called on a recorded line XX/XX/2021 to Citibank after the XXXX day, as clearly stated on the disclosure and requested a withdrawal of my funds, but to maintain the account to remain open to insure that I would receive the Bonus. 
I was assured by the Citibank agent that I would receive the bonus and would keep the bank open keeping a {$100.00} balance to insure I would receive the bonus. 
Later, I received a check for the full amount of my account balance which closed my account. 

I waited months for my XXXX mile bonus which never appeared on my XXXX XXXX account and began calling Citibank. 
I throughly explained that the promotion offer specifically said Balance was to be maintained on 60 consecutive days and not to remain open to receive the mileage bonus.

Numerous calls, resulting in various questions and responses to the wording of the promotion terms and conditions.

I filed to complaints with compliance and marketing department and received negative results to my complaint, basically saying account needed to remain open after the 60 day period. Even when I advised them that I had instructed the account representative to in fact keep the account open with {$100.00} to be safe.

My complaint is basically truth in savings agreement and false advertising in their marketing brochure, which I have in my files.

I am mostly upset with this frustration on a very minimal bonus for a new customer and the lack of clarity in the truth in advertising that they would not observe the customer is always right rule as i will continue my quest in filing this complaint with you. 

Thank you, XXXX
Product: Debt collection

I have contacted the debt collection agency various times to get an itemized bill and they have not been responsive or have mailed me any type of notice as to why the bill has gone up from the original amount owed.
Product: Debt collection

I relocated XXXX, called XXXX for my final bill went pd bill ( est ) {$31.00}, turn equip in got receipts for both then filed them away.1yr later XXXX check my XXXX XXXX letter {$410.00} due to XXXX I call # on letter talk with guy, he said I owed, I gave him my receipts numbers, the conversation ended with him taking care of it, good to go. Almost yr later XX/XX/XXXX trying XXXXonmake a life purchase, only to find out that XXXX is on my credit report negatively. I now have no proof but the conversation between the office guy and myself. Who will believe me, I put my trust in someone behind a desk/phone to be honest. I threw away my XXXX file after the conversation that day and today it looks as if I've been paying for it. If the findings are not for me what can I do to get this erased from my credit report, thank you
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. 

XXXX XXXX : # XXXX, Credit Collection Serv : # 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 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 XXXX 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: Mortgage

After my husband passed away in XX/XX/XXXX and my chronic health problems for 3 years, I fell behind on my mortgage payments between XXXX and XXXX. I applied and was approved for a loan modification in XX/XX/XXXX. I was approved to start making trial loan modification payments on XX/XX/XXXX in the amount of {$1400.00}. The trial loan mod payments would continue until I received a permanent loan modification. I made the " trial loan modification '' payments every month from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX, the mortgage company informed me that I needed to get court approval as the executor of the estate of my deceased husband and my deceased grandmother in order for the loan modification to be put in my name as executor of the estate of my husband and grandmother. Thus, I had to start a probate process and informed the mortgage company that it could take several months before the Court approves of this action as an existing Probate has existed since XXXX when my mother, who is now deceased filed the probate for the property that I am an heir to. I sent the mortgage company the last will & testament and other documents illustrating that Im the heir to the property and the wife of the deceased person on title. Although I continued to make the trial mortgage payments and unbeknownst to me, the mortgage company continued to accept payment and initiate foreclosure proceedings on my property at the same time. In XXXX I was told that I dont qualify for a loan modification or any foreclosure alternative because my income wasn't sufficient. However, I was already in a trial loan modification and making payments on-time every month. Next, I received a letter dated XX/XX/XXXX stating that I didn't qualify for a loan modification because my mortgage didn't qualify for any loan modification options. I faxed an appeal to both denials on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Shellpoint and XXXX XXXX Foreclosure trustee sold my house at an auction for {$320000.00} to a 3rd party investor
Product: Mortgage

The Summons and Complaint fail to meet the requirements of New York State Banking Law, Rules of the Courts of New York State, and other applicable laws, rules and regulations relating to residential foreclosures. 
That the bank paid the contractor for work it had not performed which the deceased repeatedly advised the bank of and, as a result of this failure the deceased caught on fire due to the contractor 's failure to upgrade the electrics as agreed in the reverse mortgage. 
That as a result of this electrical fire, the decease and her heirs suffered emotional and financial harm which may be permanent in nature. 
Despite the fact that the deceased, XXXX XXXX XXXX, made every effort to comply with the agreement regarding the repairs and the placement of funds in escrow, the plaintiffs are attempting to foreclose on the mortgage to collect the sum of {$430000.00} plus additional fees and costs from the deceaseds heirs and deprive them of the use and enjoyment of their home while still withholding the current contractors fees needed for the completion of the repairs on their home which the initial lender and its predecessor have held in escrow for over three years. Moreover, many of the required repairs which were caused by the contractor, XXXX XXXX XXXX XXXX who the Lender immediately paid without inspecting the property before making this payment, and in spite of XXXX XXXX XXXX XXXX failure to properly repair and complete the required repairs which were noted in the contract between the deceased, XXXX XXXX XXXX XXXX and the Lender. Furthermore, the Lender is still holding funds that were placed in escrow for the deceased to receive upon her signing the agreement with the plaintiffs predecessors in XXXX of XXXX. That the bank also failed to pay the deceased the money agreed upon in the reverse mortgage and without justification. 
That the bank improperly failed to inspect the work of the contractor in spite of several complaints by the deceased 's daughters that the work had not been completed or properly done even after acknowledging that it had been made aware of these matters by the deceased 's daughters. 
That the bank 's claims violated NYS and federal laws regarding usury and the Fair Debt Collection Act. 
That the bank continues to add illegal and inappropriate fees to the balance of the reverse mortgage. 
The bank also violates the Consumer Fraud Acts.

The bank violated its agreement with the decease once it failed to pay her the agreed amount ; to inspect the work of the contractor prior to cutting the check ; and by failing to direct the contractor to complete and to do the agreed upon work pursuant to the reverse mortgage agreement. 

Finally, XXXX sold the mortgage to RMS Mortgage on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship Credit is reporting a late for XX/XX/20. Due to the unforseen events with Covid, I was financially impacted. Prior to this and after this month I have not been late. I ask that they please make a one time goodwill adjustment and remove the late.
Product: Credit card

I received a letter from Macy 's Department Store which included a XXXX XXXX XXXX XXXX XXXX The letter even states they KNEW MY ACCOUNT WAS CLOSED A LONG TIME AGO. They took it upon themselves to open a new credit card in my name, I NEVER ASKED FOR THIS CARD, NOR DO I WANT A CARD FROM THEM. I called to make sure any and all accounts in my name were closed. The representative by the name of " XXXX '' said there were two accounts in my name. She said she could not get into my account unless I gave her the last four digits of my social security number. I said NO Way! Your company opened this card WITHOUT my consent. They need to make sure the card gets closed. I do not want to have to hire a lawyer, or have to bother congressional officials with this matter if I don't have to. This is ridiculous. I got a notice the other day my credit score was lowered and I'm guessing Macy 's was messing with my information. I need your help and making sure Macy 's has ANY AND ALL OF my accounts closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX I am writing to formally dispute an inaccurate entry on my credit report. The account with XXXX  and account number XXXX. This inaccurate reporting is negatively impacting my credit report. I am requesting that the Consumer Financial Protection Bureau investigate this issue and ensure that the account status is corrected. As per the Fair Credit Reporting Act, if the information is not corrected, the account must be removed from my credit report. I would appreciate your prompt attention to this matter and kindly request that I be informed of the steps taken to resolve this issue. Thank you for your assistance.
Product: Mortgage

I received a letter from my mortgage holder, Nationstar Mortgage, dated XXXX XXXX, 2015. The letter stated that Nationstar had received my application for a deed-in-lieu of foreclosure and requested supporting documentation. The letter also stated that " The evaluation period for a deed-in-lieu of foreclosure has now begun '', but did not state when the evaluation period began or when the period expired. I contacted Nationstar via the mynationstar.com messaging system and by phone message to inquire the beginning and end dates of the evaluation period, as well as to ask for clarification of some of the requested documentation. Nationstar has not responded to any of my inquiries about this matter.