23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX received letter from XXXXXXXX treasury  stating I had a late payment due of XXXX from my bi annual XX/XX/2020 taxes. I, in turn paid this .Then received notification from Mr. Cooper ( my lender ) stating that they had paid my ( late payment as well and would need verification to substantiate that i have been paying my bi annual taxes ). Sent E mail - and faxed copies of Check stubs to Mr. Cooper for 4 years as well as the check for my late payment to confirm that i have paid my taxes bi annual / on time / for my whole loan. Mr. Cooper then sent statement stating that because I had not paid taxes? - this had been confirmed that I had never paid late until XXXX - they would be holding XXXX in Escrow until it was paid. I then find out that it was being held because they did not receive reimbursement back from XXXX XXXX so i had to call and make this happen. A manager at XXXX County ( XXXX at XXXX ) finally reimbursed Mr. Cooper on XXXX according to XXXX XXXX ( rep at Mr. Cooper ) Still have not removed any of the money from my Escrow. In XXXX - i wrote a check for my property tax again and later CX this as Mr. Cooper again paid my taxes when we had discussed and shown proof that i had been paying my taxes bi annual since i have been with Mr. Cooper for the whole time of my loan. Now well into 40 calls - i was then told to CX my check for my property tax and pay Mr. Cooper to reimburse them for again paying my taxes which i did not ever ask for them to do. Because the money is still in Escrow - my home mortgage payments increased by XXXX dollars per month. When i went to pay this bill in XXXX - representative XXXX XXXX told me only to pay XXXX my normal amount. I was later told by XXXX and manager XXXX XXXX XXXX that i would have to pay the extra XXXX when XXXX told me i did not have to as Escrow still had not been removed. I paid both tax $ and the extra XXXX for mortgage on XXXX and XXXX confirm received. Still holding money in Escrow- i have called now since this started in XX/XX/XXXX- 56 times between XXXX county and Mr. Cooper and they still are holding the money in Escrow and have not reimbursed me the XXXX. XXXX that i had to pay as they continued to pay my taxes when we have discussed and proven that i pay my taxes bi annual. 
i have not been told to make my XXXX payment as they HOPE that the money will be moved out of Escrow and my payment will be back to its normal XXXX. XXXX states that he will confirm tomorrow but each time that I have talked with the manager- he has had no follow up or correction of this issue which is clearly do to Mr. Cooper incompetence. I am attempting to list my house to see and still can not get any conclusion and reimbursement from this issue. Mr. cooper still needs to move money from my escrow that is still being held and i need to be reimbursed XXXX I have no problem being patient but this has been 4 months of continued poor management and no follow through with Mr. Cooper. I am disgusted and do not have time or money to wait for any longer for reimbursement for there continued errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed validation letter to company on XXXX requesting validation. Received a response on XX/XX/17 stating they have requested information from company. 
Vance and Huffman stated on their website that this inormation would NOT be listed on my credit report. It is listed as a collection. 
I have contacted the XXXX XXXX of XXXX inquiring if this company is license and bonded in Texas to collect. I have been informed that they are not licensed in Texas. The XXXX XXXX of XXXX requires you to be licensed and bonded to collect in Texas.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX! I demand the late payment reported in XX/XX/year> to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am filing a serious complaint against Kickoff Lending for reporting a fraudulent account under my name. This account is NOT mine, and it is falsely showing late payments and a charge-off on my credit report. I have never opened an account with Kickoff Lending, nor authorized any transaction with them. This fraudulent account is severely damaging my credit and must be removed immediately. 

Account Details : Creditor Name : Kickoff Lending Account Number : XXXX Reported Issue : Late payments, Charge-Off Affected Credit Bureaus : XXXX, XXXX Kickoff Lending is in clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 609 of the FCRA, I am entitled to dispute inaccurate information on my credit report. The information about this account is fraudulent, and Kickoff Lending is required to investigate this dispute and resolve it in a timely manner under Section 611 ( a ). 

In addition, the Consumer Financial Protection Bureau ( CFPB ) and FCRA require that when fraudulent activity is reported, the information must be removed within 4 business days under the Consumer Data Industry Association ( CDIA ) guidelines. The failure to act on this dispute promptly is a violation of those regulations.

Other violations Kickoff Lending may be committing include : Failure to Investigate Fraudulent Claims Under FCRA Section 611, they are required to investigate disputes and remove inaccurate information within 30 days. This has not been done, and I am demanding immediate resolution. Failure to Provide Notice of Reinvestigation Results Under FCRA Section 611, they must notify the consumer withi
n 5 business days of the results of the reinvestigation, but I have not received any such notification.

Inaccurate Reporting Kickoff Lending is violating FCRA Section 623 by reporting information they can not verify as accurate, particularly since I have no relationship with them and can not be responsible for this account.

Failure to Update Information Under FCRA Section 605B, they must block any information resulting from fraudulent activity once notified of identity theft. 
As part of my efforts to resolve this matter, I have already filed a report with the Federal Trade Commission ( FTC ) to document this fraud and initiate an investigation. I expect Kickoff Lending to comply with their obligations under the FCRA and rectify this situation immediately.

My demands are as follows : Immediate removal of the fraudulent account from my credit report or I will immediately take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to apply for a mortgage house loan and was denied due to all 11 unauthorized hard inquiries that are on my credit report when it checked onemain XXXX XXXX XXXX XXXX card XXXX card XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Vehicle loan or lease

requesting paperwork loan validation XX/XX/XXXX to XX/XX/XXXX ( total amount for XXXX ).
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

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  All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the XXXX XXXX to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer Rights to Privacy and confidentiality under Title 15 U.S.C. 1681. 

XXXX XXXXXXXX XXXX Account # XXXX Title 15 U.S.C. 1681 section 602 A states I have the Right to Privacy.

Title 15 U.S.C. 1681 section A section 2 : It also states a consumer Reporting agency can not furnish a account without my written instruction.

Title 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 items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

Title 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish Any information relating to a consumer reporting agency if the person knows or has reasonable course to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have made two transactions with the debit card at gas stations where the pump failed and then I had to wait for the funds to be returned. I waited the five business days and had received none of my funds back. I then called Venmo and asked what the issue was, I was then told that the money was on a 30 day hold from XXXX for both transactions. I then waited out the 30 days and still received nothing. I waited five extra days before calling them again, I was then told that there was an error code that came up when they tried to transfer back the funds. And they didnt have a clear explanation for why. I called two days later just to be told that the engineer team will have to take care of the problem on hand. That the only way to contact them is email but I have to wait for them first. I have then wait 12 days constantly checking my email and not receiving any money or response from their engineer team. I called them again just to hear that the order will be pushed to the top to be resolved. I was then told that everything that was told to me the other time was just bull and that its something wrong on Venmos end. I waited 47 days for my money and still havent received anything. 

Transactions 1 : XX/XX/XXXX in the amount of {$25.00} Transactions 2 : XX/XX/XXXX in the amount of {$20.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with XXXX hours of this complaint being received. All items listed are fraudulent and inaccurate. 

In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. 

In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

I have disputed an account with XXXX from XXXX XXXX XXXX XXXX that came back verified on XX/XX/year> I asked them to send me proof on how this account was verified and they said they arent allowed to send proof which is unfair as a consumer. I sent letters backing my information and all they did was update the information. The account is closed and why it be reporting late or open. This is a FCRA violation 15 USC 1692 ( e )
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 XXXXXX/XX/XXXX
Product: Mortgage

My husband lost his job due to the pandemic back in XX/XX/XXXX last year. I contacted Mr. Cooper on around XXXX or XXXX because I couldnt keep up with the payments. They offered me the option to apply for hardship due to Covid 19, but the way they offered it, deterred me because if I choose that option it meant I had to pay 3 months at once. Where was I going to get that money from? I asked for a loan modification or refinance. They worked with me on both, but because I wasnt making enough, I wasnt elegible to refinance. Really? Thats the point of refinancing, to have a lower monthly payment to be able to make the payments. Then they said I wasnt elegible to have my loan modified because I have to be at 80 % of my mortgage payment. Meaning I will have to pay about {$25000.00} to be at 80 %. To top it off, they wont let me make my property tax or home insurance payments on my own. Meaning they have rights over my own money that I dont have, they decide what I do with my own money and what I cant do with it. Mind you, I have been trying to solve this problem since XXXX or XXXX. I even told the guy, I wont be able to make the next month mortgage payment, I wont have any money, his answer, there was nothing they could do. And to make things worst yet, now they sent me a letter that because my escrow account will be short {$230.00} next year, because my property taxes and home mortgage went up, my monthly mortgage will go up from {$1200.00} to {$1200.00}. If I cant afford to pay my previous payments, how in the whole world they think I will be able to afford the new payment? We have been living out of credit cards all this time because unfortunately my husband hasntbeen able to find a job, and because he was working independently, he is not elegible for unemployment. We are in a really bad situation and I cant believe this lender with its predatory practices, is trying to profit from vulnerable customers, and in the middle of this horrible pandemic. Like if it is not stressful enough already. What is their end goal? To make people desperate enough to just give up and lose everything they have worked so hard for? Or to drive them crazy? There is something really wrong with this company, and they need to be stopped before they inflict further damage on people.
Product: Credit reporting or other personal consumer reports

Addressing an ongoing concerning issue regarding a collection account that persists on my credit report despite previous assurances and agreements for its removal from Jefferson Capital System LLC
Product: Credit reporting or other personal consumer reports

I am writing this letter to bring to your immediate attention a serious violation of the Fair Credit Reporting Act ( FCRA ) committed by JPMorgan Chase Bank ( JPMCB ), specifically regarding the furnishing of a credit report to consumer reporting agencies that contains transactions and experiences, which includes a reported balance, available credit, high credit, credit limit, balance, and highest balance. I, as a consumer, adamantly assert that such actions of furnishing negative information is causing substantial economic harm to myself and my household. As a result, I have suffered various harms, including the denial of new credit and increases in lines of credit. This invasion of my privacy has caused reputational, emotional, physical, and economic harm. 

I wrote a notarized letter to JPMCB on XXXX XXXX via certified mail [ # XXXX ], which was received on XX/XX/year> at XXXX XXXX  concerning this issue. I referred to 15 U.S. Code 1681b ( f ) and requested their general or specific certification pursuant to Rule 1002, as required by 15 U.S. Code 1681e ( a ) to furnish information on my consumer reports. Additionally, I requested that JPMCB provides me with the tracking number and certified mail receipt of the notice of negative information that was to be provided to me, in writing, as required by 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) within the timeframe established by 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( B ), prior to JPMCB furnishing any negative information on my consumer reports, also pursuant Rule 1002.

To date, I have not received any of these documents. Failure to provide this documentation is an indication that JPMCB has violated 15 U.S. Code 1681e ( a ) and 15 U.S. Code 1681b ( f ). This would also indicate that 15 U.S. Code 1681q is applicable, which is tantamount to 18 U.S.C. 1028A. Under this provision, JPMCB is liable for damages pursuant 15 U.S.C. 1681n ( a ) ( 1 ) ( B ).

References : Case Law : section 523 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) 15 U.S.C. 1681i 15 U.S.C. 1681b ( f ) 15 U.S.C. 1681n ( a ) ( 1 ) ( B ) 12 CFR Part 1022 15 U.S.C. 1681e ( a ) 15 U.S.C. 1681q 18 U.S.C. 1028A
Product: Debt collection

Due to XXXX XXXX XXXX paid my mortgage.I have delinquencies on my credit report due to XXXX XXXX gathering the necessary documents from Shell point mortgage to get the mortgage paid please remove this negative off my credit if possible and if any other information is needed please call me XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized Inquiries and addresses they have failed to fully validated that I initiated. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries and addresses that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 
Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX 3 ) XXXX XXXX XXXX - Date Filed : XX/XX/XXXX XXXX ) XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX - Date Filed : XX/XX/XXXX 7 )  XXXX XXXX - Date Filed : XX/XX/XXXX 8 ) XXXX - Date Filed : XX/XX/XXXX 9 ) XXXX XXXX   - Date Filed : XX/XX/XXXX Reporting Address : XXXX XXXX XXXX XXXX, MI XXXX Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Parkesburg, PA XXXX SSN : XXXX DOB : XX/XX/XXXX