23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Recently the monthly mortgage payment that I am responsible for paying, and have been paying for ~20 years, was transferred to a new company. XXXX was the old company and Shellpoint Mortgage is the new company. 

Since then, every month ( except for the first month they took over billing, XXXX XXXX ) the bill arrives 25-35 days late ... arriving so late this month that I just paid my XXXX bill -- -which was due XX/XX/XXXX -- -- today ( XX/XX/XXXX ) over a month late, because I did not receive a billing statement until XX/XX/XXXX or XX/XX/XXXX -- -- nearly a month late, and now Shellpoint is unfairly charging me monthly late fees when it is completely their fault the payment is not being mailing in on time. In XXXX I paid my XX/XX/XXXX payment on XX/XX/XXXX ( because the billing statement was nearly a month late then too ) and I checked my bank account on XXXX or XXXX and the check had still not been cashed, it's like Shellpoint is holding up my payments so they can charge me late fees. Also, they have tried to sell me home insurance ; they claim I don't have insurance so my insurance agent faxed them proof of insurance via their fax number, and they sent me another letter again claiming I don't have home insurance. I just mailed them a paper copy of my homeowners insurance today and hopefully that will be the proof they are looking for. 
I feel like this company has a less than stellar reputation from what I've seen so far, but I would like to find out it's just an honest mistake on their part.
Product: Bank account or service

wrote check to XXXX XXXX XXXX XXXX dated XXXX XXXX, check was cashed on the XXXX from my account at Bank of America, my payroll was deposited on the XXXX. I was charged a overdraft fee of {$35.00}, even though I do not have overdraft protection.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear LVNV FUNDING LLC, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), as well as Missouri XXXX XXXX concerning identity theft and consumer protection. 

It has come to my attention that XXXX XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section XXXX ( a ) ( XXXX ). 

Additionally, under Missouri law, specifically XXXX of the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. 

I assert with certainty that I have not provided consent for XXXX XXXX XXXX to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws. 

I demand that XXXX XXXX XXXX XXXXmmediately ceases any further reporting of information to my credit report without my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and relevant Missouri statutes, including XXXX regarding identity theft. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including identity theft statutes. 

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that XXXX XXXX XXXX will promptly rectify these violations, respecting my rights under the law. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of Truth to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Credit card or prepaid card

Regarding the other two cards were eventually closed by Chase Bank- only after submitting a complaint here. That XXXX card is still opened/never received/never requested. Close ALL accounts Chase. They don't seem to understand, I have no interest in doing any business with them! Please CLOSE this frivolous account!
Product: Debt collection

I paid cbsa  in XXXX Oklahoma most of the debt I owe XXXX XXXX  XXXX University XXXX, OK in the amount of XXXX dollars. They said they would report this to the institution and they have not done that after over a month after the payment was made. I told the university and the paid amount is reflected in my account balance of my debit card. They are reporting the amounts paid incorrectly and are not recording the dates paid accurately
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and I.Q. Data International has violated my rights as a consumer by publishing information without my expressed written consent. Per 5 USC 552a ( Privacy Act of 1974 ), 15 USC 1681s-2, 12 CFR 1016.1, I have the right to opt out of reporting rental history on my consumer report. I never received any notice of my right to opt out and never gave permission for this item to be listed on my consumer report. I am opting out of any and all reporting of the above mentioned financial institution and non-affiliated third party credit reporting agencies of XXXX and XXXX reporting this rental history on my consumer report. 

Also, this account is not listed on my XXXX consumer report, therefore this account is not consistent with all three credit reporting agencies and should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several account on my credit report that should have been removed they where settled with the original Creditor and paid in full I would like these items removed they are not accurate please delete/remove the following account : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX I have some issues with unauthorized checks being used on my account and and these have all been settled. I am in the process of buying my home and I would truly like these resolved items removed from my credit report!
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX. XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 
Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX, PACIFIC CREDIT EXCHANG and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX, XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 


EQUIFAX : XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX : DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} DEPT OF ED / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$940.00}
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies my financial institution and XXXX failed to investigate my claims inadequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB findings indicate that XXXX has not only neglected to protect consumers but also allowed repeated offenders to exploit the system, leaving vulnerable users to scams. This lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been approved for a mortgage loan and my mortgage broker is trying to pull my credit reports to complement my information. 

He received 2 of the 3 reports and states that Equifax is blocking the third one. The error he is mentioning is XXXX. 

I tried calling the company but they didn't give me a solution, I could not even have my information retrieved denied it. 

I need this to be unblocked so my underwriter can move forward with the loan.
Product: Mortgage

I became unemployed in XXXX XXXX I continued to pay mortgage until XXXX. I informed Pennymac and they placed me on forbearance where I paid {$270.00} per month. I did this for XXXX to XXXX. My loan is a XXXX XXXX conventional loan. XXXX XXXX allows for 12 months unemployment forbearance. Pennymac denied me an extension on this forbearance and told me I had to apply for loan modification because I had rental income. I was accepted into loan modification but mortgage went from XXXX to XXXX. Also the loan went from 30 years to 40 years. I was able to make first payment of 3 month trial but I lost my rental income and couldn't make the XXXX payment. I again tried to get into unemployment forbearance but Pennymac refused. Now as of XX/XX/XXXX Pennymac put me into foreclosure. They explained they only allow 5 months of unemployment forbearance even though my mortgage is XXXX XXXX 12 months forbearance eligible.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$9300.00}
Product: Credit reporting or other personal consumer reports

I see unauthorized credit hits on my Experian report. 

XXXX XXXX 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

This is my multiple attempts to inform credit bureaus that I am an identity theft victim and that I am questioning some records in my paperwork that may have been obtained via improper means. The data under scrutiny pertain to transactions in which I have neither made nor approved the acquisition of any products, services, or money. Remove from my credit report any information that is notable that resulted from a purported scam or extortion, assuming that no one will care in either case. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS DUE TO EXPERIAN NOT RESPONDING AFTER 8 MONTHS OF RECEIVING MY DISPUTE LETTER REGARDING AN INACCURATE ACCOUNT THAT THEY HAVE BEEN REPORTING ON MY ACCOUNT. I HAVE BEEN PATIENT FOR THE LAST FEW MONTHS, BUT IT HAS BEEN ENTIRELY TOO LONG AND I HAVE NOT RECEIVED AN UPDATE OR ANY DOCUMENTATION VALIDTATING HOW EXPERIAN IS REPORTING THIS ACCOUNT AS SUCH. THEY ARE REPORTING XXXX XXXX XXXX AS A REPOSSESION AS WELL AS A VOLUNTARY REPOSSESION. HOW DOES THIS MEET FCRA REGULATIONS? ALSO, THIS WAS NOT A REPOSESSION THE ACCOUNT WAS PAID SO I AM CONFUSED WHY EXPERIAN HAS INCORRECT INFORMATION WHEN XXXX AND XXXX ARE REPORTING THE ACCOUNT AS CLOSED AND PAID. BEING THAT THIS HAS BEEN ONGOING FOR 8 MONTHS I AM DEMANDING THE DELETION OF THIS ACCOUNT OR FOR IT TO BE UPDATED TO PAID AND CLOSED. I WILL BE SEEKING LEGAK ACTION FOR THE MANY VIOLATIONS OF THE FCRA IF THIS IS NOT UPDATED ACCORDINGLY. I WILL ATTACH THE LETTER THAT WAS SENT 8 MONTHS AGO.
Product: Credit card or prepaid card

On XX/XX/XXXX three fraudulent charges were placed on my credit card : {$350.00} ; {$140.00} and {$350.00}. 
On XX/XX/XXXX, I noticed the charges and called the bank with my concern. Then sent a letter detailing theses charges were unauthorized on XX/XX/XXXX. 
On XX/XX/XXXX, the charges were placed back on my account without notification. 
On XX/XX/XXXX, I noticed these new charges and again called the bank for explanation. I was told I would receive a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$7500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

The following accounts are reporting incorrect late payments. 

XXXX XXXXXXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX  Credit XXXX # XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX  Acct # XXXX XXXX Acct # XXXX in accordance with the Fair Credit Reporting Act these creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

It also states a consumer report can not furnish as an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as a late for any purposes.
Product: Mortgage

I asked my mortgage company for a modification. They did not grant one.  However, they added an escrow account to my loan account. My property taxes are current and have never been in default. And, after more than 11 years into my mortgage, the company initiated an escrow account to pay for taxes that I have been solely responsible for and paid since the inception of my mortgage. I have more than 40 % equity in my home. My down payment was over 20 % so that I avoided both PMI and an escrow account. Can my mortgage company force me into paying an escrow account after 11 years?
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Experian are reporting an account on my credit report that is in violation. The account is with XXXX XXXX. I have challenged the item twice. The second attempt I noticed they failed to put the notice of dispute on my credit report. They are in violation Section 807/8 of the FDCPA. I asked them to delete the account and they have not deleted, even after the violation. 
XXXX, Experian, and XXXX are reporting an account on my credit report that is in violation. The account is with XXXX XXXX XXXX. I have challenged the item twice. The date last active with XXXX has been reaged. I have credit reports where the date last active changed from XX/XX/23, and now its XX/XX/23. This month I will challenge the fact that the notice have dispute is not on the comments of the credit report. That is in violation. 
XXXX, Experian, and XXXX are reporting an account on my credit report that is in violation. The account is with XXXX XXXX XXXX. I have challenged the item twice. The date last active with XXXX has been reaged. I have credit reports where the date last active changed from XX/XX/23, and now its XX/XX/23. With XXXX is was XX/XX/23 last month and today its XX/XX/23. The second attempt I noticed they failed to put the notice of dispute on my credit report. They are in violation Section 807/8 of the FDCPA. I asked them to delete the account and they have not deleted, even after the violation.
Product: Debt collection

After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three  bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
Product: Credit card or prepaid card

At the time I applied for a Bank of America Platinum Plus credit card I had a XXXX credit score and was denied for reasons that do not appear on my credit report. I had a bankruptcy several years back which have been discharged and do not appear on my credit report however Bank of America denied me credit based on criteria that is no longer relevant which was discharged and is well past the 10 year period. Is this lawful?
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been discharged and all subsequent delinquent information should be deleted from credit bureaus. I have provided the documentation to credit bureaus and it was not corrected in the 30-60 day FCRA timeframe. This debt is no longer valid as of XX/XX/2023 per letter and phone call with Navient it was agreed that all corresponding Navient account data should be removed immediately.