23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a notification from ShellPoint Mortgage informing me that they have purchased a lender-placed insurance policy on my condo property at a cost of {$4500.00} ( which is roughly 6 times for the insurance coverage I have personally. The evidence of insurance the mortgage company is looking for is secured and paid for by the HOA. I immediately responded by sending an email with accompanying proof of insurance - which by the way, all HOA provide access for this information through a web site. I received no response. After receiving another two notifications and corresponding email responses, once again, I sent in the insurance verification as instructed. I have left 9 messages, in addition to my emails, for a manager or supervisor to call me back. I have received NO calls as of this date. I have attempted to contact the insurance division of this mortgage company at least 7 times, each time having to disconnect after nearly 150 minutes. When I contact customer service, I am told that customer service has the same problem contacting the insurance division - my last call with customer service was at XXXX XXXX. on XX/XX/2023 ( all calls are apparently recorded ) speaking with XXXX XXXX in XXXX, Michigan. 

Apparently, as a result of failure to acknowledge receipt of evidence of insurance, the mortgage company has increased my monthly payment. My last payment ( for the month of XX/XX/2023 ) fell short by nearly {$70.00}. The company refused to acknowledge the payment ( although paid on time ) and has charged me a late fee of $ XXXX egregious act given the company 's failure to acknowledge or respond at least since XX/XX/2023, when I have evidence of my communications. 


Mortgage Company : Shell point ( a division of newrez ) account # XXXX property address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX You help and support can prevent this company 's egregious acts and fraudulent activities with other consumers. 

Sincerely,
Product: Debt collection

The below debt is not verified and I was never notified of the debt and it has a past due balance. 

Account info Account name SOUTHWEST CREDIT SYSTEMS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$560.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$560.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$280.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this following account on my reports : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting act. The listed accounts below have violated my federal protected concumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 602 A There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( I HAVE A RIGHT TO PRIVACY ) 15 U.S.C 1681 602 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681c. ( a ) ( 5 ) 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. Code 1681s2 ( 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

Experian is knowingly, willingly, and negligently furnishing inaccurate data. I have disputed XXXX XXXX account due to erroneous information on my report. Experian is reporting payment history inaccurately after I told and proved to them it was inaccurate. I have late payments from XXXX XXXX XXXX. I have disputed the payment history due to late payments because I was affected by XXXX. When I provided this information to Experian, they ignored my request and Federal law and failed to investigate and update the payment history due to the XXXX XXXX Second willingly and negligent activity from Experian is I provided a letter from XXXX XXXX date from XX/XX/year> stating that all accounts are current and it will show on my credit report. Experian reported XXXX XXXX days late and XXXX XXXX days late. Despite being provided documentation from the original creditor stating the status of the accounts, which are not XXXX nor XXXX days late. Thirdly I submitted a correspondence from XXXX XXXX stating that they could not provide a XXXX due to the account not being charged off. Experian is still reporting the account charged off instead of closed. 

Experian is falsely claiming they are investigating and verifying disputed information and they are not. They will wait just about XXXX days to respond via CFPB portal but when I look at my Experian account online, they started and completed the investigation within XXXX days.
Product: Money transfer, virtual currency, or money service

While on vacation, I used my phone to " cast '' a movie from my phone to the TV in my hotel room. I scanned the QR code and found out the next day XXXX  had charged me a " lifetime '' fee through my PayPal account. I have contacted XXXX, the hotel, paypal and my bank to no avail. XXXX does not have a " lifetime '' subscription and yet, no one will reimburse my money.
Product: Debt collection

I received a letter from Credit Bureau Systems , Inc. dated XX/XX/2022. It stated, " If you do not apply within 30 days of the mailing of this notice, it is our intent, to file a lawsuit and seek a judgement against you. '' The letter further goes on to state ( in bolded font ), " The above actions will not be taken sooner than thirty ( 30 ) days from the mailing of this notice. '' I however received a letter from the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX dated XX/XX/2022 stating they were notifying me that they have been instructed by Credit Bureau Systems , Inc., " to prepare a lawsuit against you regarding the attached medical bills. This action is being taken because, despite previous notices requesting payment, you have failed to make payment on the debt. '' Credit Bureau Systems , Inc. did not give me 30 days from the mailing on XX/XX/2022 to respond, apply, reach out, etc. before I received a threatening letter from a local attorney 's office. 

The Credit Bureau Systems , Inc. letter dated XX/XX/2022 only addresses ( Reverse side of letter ) legal action against a balance of {$5200.00}. Whereas the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX dated XX/XX/2022 addresses legal action against a balance of {$7800.00}. 

I did not receive notice from Credit Bureau Systems , Inc. about the potential for interest to be accrued in their XX/XX/2022 letter, the letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX dated XX/XX/2022 has in the subject line : " {$7800.00} plus interest from XX/XX/2022. '' The topic of interest is not discussed in any further in this letter but grossly assumed. 

I also received a Settlement Discount Program letter dated XX/XX/2022 from Credit Bureau Systems , Inc., authorized to offer certain tax season settlement discounts to XXXX XXXX patients. This offer was allowed to me if I responded within 30 days from the date of notice. However, I received the " Legal Action '' letter from Credit Bureau Systems , Inc. dated XX/XX/2022, less than 30 days of the dated Settlement Discount Program offer letter. 

Furthermore, XXXX : XXXX XXXX XXXX XXXX XXXX failed to mail multiple bills to my mailing address. I did not receive or was made aware of different bills totaling at least or at minimum {$150.00}.
Product: Student loan

I receive calls weekly if not daily in regards to my student loan that was originally with XXXX XXXX and has been transferred to Navient. Due to hardship and change of financial situation the amount they want me to pay is {$100.00} and my original payments were {$80.00}. I currently can only make {$50.00} maximum payment on my loans and they will not accept this payment. I have been fighting this since XXXX and have had no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 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 XXXXXXXX has 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
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of several derogatory accounts on my consumer report. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Privacy Protection Act, 15 U.S.C. 68016802. I demand the immediate investigation and correction of these errors. 

Accounts in Dispute XXXX XXXX XXXX  XXXX ( Collection Account ) Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1000.00} as of XX/XX/year> Discrepancies : Repeated reporting of the same delinquency months and lack of documentation for the first delinquency date. 
XXXX XXXX ( Secured Loan ) Original Balance : {$1000.00} ; {$290.00} written off Discrepancies : Overlapping charge-off entries without explanation and missing last payment date information. 
XXXX XXXX  ( XXXX XXXX Credit Card ) Balance : {$1300.00} past due as of XX/XX/year> Discrepancies : Repeated charge-off reporting over multiple months and missing documentation of the last payment. 
Violations Identified Failure to Ensure Accuracy Under the FCRA, 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the accuracy and integrity of the information they report. The inaccuracies in payment history, delinquency dates, and balances fail to meet these requirements.

Invasion of Privacy Reporting inaccurate information violates the Privacy Protection Act, 15 U.S.C. 68016802, by failing to safeguard and verify my nonpublic personal information. 

Rights of Survivors of XXXX XXXX  As a survivor of XXXX XXXX, I am protected under federal law, including 18 U.S.C. 1595. This law invalidates obligations incurred under coercion or duress. Reporting these debts without acknowledgment of these circumstances further harms me and violates consumer protection principles. 

Case Law : XXXX  v. XXXX Collector established that survivors of XXXX  are not obligated to repay debts tied to coercion or exploitation. 
Demands Investigation and Correction of Errors I demand an immediate reinvestigation under 15 U.S.C. 1681i ( a ) to correct the inaccuracies in these accounts. This includes : Removal of duplicative and inconsistent payment history.

Verification and documentation of the first delinquency date and last payment date.

Cease-and-Desist Reporting These accounts must be removed from my consumer report until they are validated in accordance with 15 U.S.C. 1681s-2.

Response Timeline I require acknowledgment of this dispute within five ( 5 ) days and resolution within 30 days, as mandated by the FCRA.

Notice of Limited Communication Under 15 U.S.C. 1692c ( c ), I demand a cease-and-desist of all communications regarding these accounts, including reporting to my consumer report. You may contact me solely through written correspondence or via the Consumer Financial Protection Bureau ( CFPB ) portal.

Failure to comply with these demands will result in further action, including arbitration, complaints to the CFPB, or legal proceedings under the applicable laws.
Product: Money transfer, virtual currency, or money service

I signed a title insurance policy with XXXX XXXX  on XX/XX/XXXX. XXXX knew the title was defective when I signed on. The title 's effective date was XX/XX/XXXX. I discovered several defects in the title and informed XXXX in XX/XX/XXXX but the company has not responded. They were supposed to disburse or transfer money to me in the amount of {$210000.00} yet to date they are non-response. In the contract the company had agreed that " XXXX  XXXX XXXX XXXX XXXX insures your title resulting from defects arises before the effective date of the Policy, which is XX/XX/XXXX. '' Their business practices have caused me injury as they are false, deceptive and misleading. 

Among many of the defects were : the company under which the title was written XXXX XXXX XXXX XXXX XXXX ) was not authorized to conduct business in Texas or any other state, and the contract/policy XXXX signed me up with includes the following violations : 1.The Consumer Financial Protection Acts ( CFPA ) prohibition against deceptive acts and practices. 

2. The Texas Deceptive Trade Practices Act ( DTPA ) which protects Texans against false, deceptive and misleading business practices. 

3. Violation of Sec. 156.201 of the XXXX XXXX XXXX which states : ( a ) A person may not act in the capacity of, or engage in the business of, or advertise or hold that person out as engaging or conducting the business of a residential mortgage loan company in this state unless the person holds an active residential mortgage loan company license, is registered under Section 156.2012, or is exempt under Section 156.202. 

I therefore ask you to pursue this issue on my behalf, as they are not responding to me.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX,, NV XXXX XXXX XX/XX/year> Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear XXXX XXXX XXXX, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 

As a customer of XXXX XXXX XXXX, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing XXXX. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties. 

My concerns are as follows : 1. I have not received any of your privacy notice and disclosures. 
XXXX. I have received no information on this matter only a bill saying I owe XXXX XXXX 

To resolve this matter, I kindly request the following : 1. Confirmation of whether my nonpublic personal information has been disclosed to third parties.

2. A copy of your current privacy policy, as required under 15 U.S.C. 6802.

3. Immediate cessation of any information sharing that is not explicitly authorized by me.

4. Instructions on how I can exercise
Product: Credit reporting or other personal consumer reports

Last year in XXXX, I had a business credit card with XXXX XXXX, that accumulated over {>= $1,000,000} points which was the equivalent to {$21000.00} in rewards. The bank confiscated all XXXX points and closed the account. After initiating an investigation XXXX reinstated my XXXX Million points and returned the {$21000.00} that was confiscated. Without any notice, and no outstanding debt owed to XXXX ( the account was current and had a {$0.00} balance ) XXXX reported a 60 day late payment to all credit bureau 's, which has severely impacted my credit. This is inaccurate reporting as there was never a late payment, no notices sent about any said late payment and they card was less than 6 months old and closed with a {$0.00} balance. 

I have spent numerous hours trying to speak to someone at XXXX XXXX  and no one is willing to give any information or their names or employee ID numbers. My credit went from XXXX to XXXX. 

Due to the inaccurate reporting of a late payment, and failure to provide any notice, I'm requesting the falsely made late payment mark be removed from my credit report.
Product: Bank account or service

Funds where released on XX/XX/2015But order mail to banck not until XXXX/XXXX/15
Product: Debt collection

Possible Financial is attempting to collect a debt that does not belong to me. This is a debt that comes from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX Account Number : [ XXXX Reason : [ need this old incorrect info removed from my profile asap please. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX l ]
Product: Debt collection

I have sent two verification letters to collector requesting verify the debt. Fair Debt Collection Practices Act ( section 1692c ) and Rules of the City of New York ( section 5-77 ) require that you honor this request. Your cooperation will be appreciated.The first time was in XX/XX/2019. The collection did not respond. The second time was in XX/XX/2019 and I have not gotten an answer yet. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute the debt collection efforts by Applied Business Services , Inc. for an alleged debt that I do not owe. Furthermore, I have learned that this collection agency is not licensed to operate in the state of Florida, which raises serious concerns about their compliance with state and federal laws. 



Despite my repeated requests for information and validation of the alleged debt, Applied Business Services , Inc. has failed to provide me with any evidence or documentation to support their claims. Furthermore, I have recently discovered that this collection agency does not hold a license to operate in the state of Florida, which is a violation of state law. 



I have also been contacted by XXXX XXXX XXXX XXXX, who claims that I owe a debt for services rendered. However, XXXX XXXX XXXX XXXX has been unable to provide me with any documentation or evidence to support this claim, other than a digital copy of my signature. I do not recall signing any agreement or contract with XXXX XXXX XXXX XXXX, nor do I have any record of receiving the services for which they claim I owe a debt. Furthermore, I believe that it is highly irregular and questionable that Applied Business Services , Inc. is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX, who can not provide any documentation or evidence of the debt other than a digital copy of my signature. 



As a consumer, I have the right to request validation of any alleged debt and to receive accurate information about the party attempting to collect it. I am deeply concerned that Applied Business Services , Inc. and XXXX XXXX XXXX XXXX are engaging in questionable practices, and I believe that this raises serious questions about their business practices and their compliance with state and federal laws. 



I am requesting that the Consumer Financial Protection Bureau investigate Applied Business Services , Inc. 's debt collection practices and take appropriate action to ensure that they are operating in compliance with state and federal laws. Additionally, I request that the negative items be removed from my credit report immediately. 



Thank you for your attention to this matter. Please contact me if you require any further information or documentation. 



Sincerely, XXXX XXXX