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

I am writing to formally dispute the reporting of an XXXX XXXX account on my TransUnion credit report. This account was sent to collections and shared without my knowledge or consent. The unauthorized sharing of my personal information and the subsequent collection actions constitute a violation of my privacy and consumer rights. I demand the immediate removal of this account from my credit report and request a thorough investigation into these actions. 

Issue Identified The XXXX XXXX account reported on my TransUnion credit report was sent to collections without my consent. I did not authorize the sharing of my personal information with any third parties, nor did I authorize any collections actions related to this account. 

Violations and Impact The unauthorized sharing of this account and the collection actions taken violate my rights under the Fair Credit Reporting Act ( FCRA ). This unauthorized action has caused significant distress and potential damage to my credit profile. The presence of this collection account on my report negatively impacts my credit score and overall financial standing.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inclusion of this unauthorized collection account violates this standard.

2. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate or unauthorized. 
3. Right to Privacy : The unauthorized sharing of my personal information without my consent constitutes a breach of my privacy rights, including the protection of sensitive information from unauthorized disclosure.
Product: Mortgage

1 ) Selene stopped sending our mortgage statements when we declared XXXX in XX/XX/XXXXXXXX 2023, in violation of federal law. 
2 ) Selene did not send an annual escrow analysis with an updated monthly payment, which was due XXXX 2024 ; this is also a violation of federal law. 
3 ) Selene did send a 1098 Mortgage Interest Statement ( for 2023 ) in XXXX 2024, but it did not include the interest from a substantial payment that we made in XXXX 2023 to reinstate our loan. 
4 ) Selene just sent us a mortgage statement indicating that we have missed a payment ; but our bank has posted that mortgage payments were processed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We are not sure which payment Selene has lost since we have not been receiving our statements. 

We have sent XXXX written requests to Selene on XX/XX/XXXX ( via certified mail ) and XX/XX/XXXX ( via email ) which addressed the first XXXX concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

personal private information was not held in high-regard, and now in the hands of criminals.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Consumer Financial Protection Bureau To Whom It May Concern : I am writing to complain about Non-Compliance for the following Credit Bureaus ( Equifax, XXXX and XXXX ). I have requested my Full Consumer Disclosure File ... They have all failed to comply with FCRA, Section 609 ( a ) ( 1 ) by not providing the date of first delinquency, the FCRA Compliance Date and the date and Name of the party who reported the date of first delinquency. I've enclosed all 3 letters sent to the Bureaus requesting my Disclusure File. They sent me my Credit Reports and they do not contain the requested information. XXXX XXXX is the Original Creditor and Original Account # XXXX that I am concerned about ... I believe that a junk debt buyer of this account has violated FTC and FCRA Laws by re-aging debt. Please see attachment of XXXX XXXX. I sent all 3 Bureaus the processing fee of {$12.00} dollars, so far only XXXX cashed theirs, but Equifax and XXXX  has not done so, nor returned to me. I am including a copy of a canceled check cashed by XXXX for the processing fee for my Consumer Disclosure fileEquifax and XXXX has not cash the checks sent for the processing fees so far. I am requesting that the CFPB engages all 3 Bureaus for Violating Consumer Credit Laws and especially FCRA, Section 609 ( a ) ( 1 ). This information is very important to me in defending myself and correcting my CR against a junk debt buyer that is hurting my report by Violating Consumer protection laws. Kindest Regards
Product: Mortgage

We finally received a response to our XX/XX/XXXX request on the deduction of {$1000.00} from our escrow account via XXXX XXXX on XX/XX/XXXX. Selene Finance admitted that the so-called escrow analysis was an audit of their records and reflected an error on staffs behalf with our account being credited with the {$1000.00} when we refinanced ( 2 ) years ago in XXXX. While this should have been told to us in the XX/XX/XXXX, correspondence on a rate increase with NO explanation, the fact that it took numerous e-mails, calls and correspondence from us - a three-month delay in an honest response is appalling. 

The redeeming factor with that correspondence was that once the error was admitted to, we were also assured that 1 ) Late fees would not be held against us. 2 ) Adverse credit reports would be removed and 3 ) We would be expected to pay the additional escrow for XXXX, XXXX and XXXX that we withheld waiting on clarification for the {$1000.00} negative adjustment to our account. We have fulfilled our responsibility and our payments are current and correct as of XX/XX/XXXX. 

Payment History Mortgage Interest Escrow XXXX {$600.00} XXXX Payment Ck # XXXX {$200.00} {$250.00} {$130.00} XXXX {$600.00} XXXX Payment CK # XXXX XXXX XXXX {$130.00} XXXX {$600.00} Payment CK # XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX On-line Payment XXXX XXXX XXXX XXXX XXXX XXXX On-line Payment XXXX XXXX XXXX XXXX XXXX Check # XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Check # XXXX ( enclosed ) XXXX XXXX XXXX Unfortunately, Selene Finance has not fulfilled their responsibility! No adjustment has been made to our account for late fees. Payments since XXXX are hanging out there unapplied to our account correctly and billing continues to reflect that we are past due which in NOT true. 

All this grief was unnecessary they could have just admitted in XXXX someone made a mistake that needed to be fixed. We would have gladly agreed to the necessary increase immediately to insure our property taxes and insurances were covered with escrow funding. We have never been late on a mortgage payment in the past 12 years. We also never had such poor customer service. We asked last month that all errors be corrected by XX/XX/XXXX which has not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

My attempts to contest some issues on my report have been unsuccessful. I'm asking you to check into this situation because the FCRA mandates that you do so. I shall be forced to think about legal action if you don't abide by the FCRA 's requirements. 
XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$370.00}
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit, I sent out multiple letters to Experian to delete or dispute accounts but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). and I just found out about the new lawsuit that CFPB came out with against them " CFPB Sues Experian for XXXX  Investigations of Credit Report Errors, Experian does not properly investigate disputes and fails to remove or reinserts errors on reports, threatening consumers access to credit, employment, and housing.
Product: Mortgage

Attn : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Trustee XXXX XXXX XXXX XXXX XXXX, New York XXXX Ref : Property XXXX XXXX XXXX XXXX XXXX FL XXXX SPS # XXXX XXXX XXXX XXXX # XXXX Foreclosure case # XXXX XXXX XXXX XXXX MIN # XXXX PETITION FOR RELEASE/DISMISSAL OF FORECLOSE As the Pandemic COVID-19 is hitting very hard across America destroying the economic and devastating homeowners, Government President Trump directed the Department of Housing Urban Development ( HUD ) and local government to take steps, orders to stop eviction and foreclosure proceeding to bring relief to those stressed family impacted by the pandemic of COVID-19. This is a precious time to bring this matter of Foreclosure case # XXXX, that is still pending in state court to the end with amicable solution. 

Since XXXX, our property has being victim of three ( 3 )  WRONGFUL FORECLOSURE. The undersigned are asking you to open a profound review to the above account and order your legal team to stop/dismiss legal proceeding Foreclosure case # XXXX. 

On XX/XX/XXXX SELECT PORTFOLIO SERVICING INC open a third ( 3rd ) Wrongful Foreclosure case XXXX XXXX XXXX   XXXX XXXX on behalf of XXXX XXXX  AS TRUSTEE for the XXXX   XXXX. 

There are fatal errors in your claim regarding this account that needs to be seriously addressed to avoid causing more harm to our family, with a nonsense litigation. This litigation has brought a dark cloud to the image of SPS and its reputation. 

This account previously serviced by XXXX XXXX XXXX XXXX ( XXXX ) was assigned and transferred incorrectly creating serious misunderstanding and legal battle. Those misunderstanding that need to be addressed and put this account in the right path of release. 

The XXXX Family request SPS/XXXX to dismiss the Wrongful Foreclosure case # XXXX and release property XXXX XXXX XXXX XXXX XXXX FL XXXX from those claims. 

Your cooperation to solve this matter will be appreciated. Our family need to be relieved from this nonsense litigation and difficult time of this pandemic of Covid 19 and its effects. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I sent a letter to the bankruptcy court asking them what methods they use to report bankruptcy cases to the credit bureaus. They replied back with a letter stating that they do not report such information to the credit bureaus. I sent a copy of that letter to each of the three bureaus XXXX XXXX XXXX XXXX Experian XXXX asking them to please remove the bankruptcy from my credit file as it is on there erroneously. Only one bureau XXXX XXXX XXXX responded by deleting the said file from my records.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, someone used my personal information to obtain a number of credit cards and loans. I noticed this loan made through XXXX XXXX XXXX bank showing on my credit report in 2023, I immediately filed a report on identitytheft.gov, the account was removed from me credit report but it has recently re-appeared with a new bank name, " XXXX XXXX  '' again on my report. I have called Equifax and the original creditor and also have mailed them with documentation, I have not received any response nor any proof the loan belongs to me.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report, Ive found that payment history is being reported on this account. Transaction history between the consumer is to be excluded from the report and it has adversely impacted my ability to obtain credit. 
According to 15 USC 1681 2a ( I ), under the exclusions section, 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 ; As it relates to my consumer report, the data was furnished from the same data furnisher, yet inaccuracies can still be found on multiple accounts. I request that these accounts be removed from my consumer report to ensure maximum accuracy and fairness, guaranteeing the right to obtain credit. And according to the IRS, a charge off is a certificate of indebtedness, that was reported as income on my income tax returns. Income is not included in the consumer report.

15 U.S. Code 1681a - Definitions ; rules of construction ( D ) consumer report ( XXXX ) 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.

15 U.S. Code 1681e - Compliance procedures, states that ( b ) Accuracy of report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife applied for a TD bank retail card through XXXX and XXXX. She applied as a sole applicant and entered only her name, DOB, and social security number. She specifically chose no when asked if she wanted a co-application. The credit card was approved and at the same time, her credit report alerted that there was a hard inquiry on her credit report, my credit report was also alerted that there was a hard inquiry on my credit report. My information ; name, DOB, and social security number were never entered and I did not authorize TD bank to run my credit. I would like this hard inquiry removed from my credit report as it was unauthorized.
Product: Mortgage

Loan Number : XXXX Address of the property XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX It has been more than 5 months waiting for the short sale to be approved. Very frustrated Mr. Cooper various requested for the same documents that I already made. I want mr. cooper approves my short sale and move forwards. Stop requesting veriouse documetns while i have already submited. I think short sale fraud/scam involves. Mr. Cooper do not approve short sales for a reason. I will wait and see who Mr. Cooper wants to sell this home to. The buyer will not let Mr. Coooper gets a way with murder. I smell like a lawsuite APPROVE my short sales please, APPROVE my short sales please, APPROVE my short sale please.
Product: Credit reporting or other personal consumer reports

My bank accounts will show I pay all my bills on time. But past accounts are still showing open or balance due. To include the reporting bureaus who have not purged old accounts from the report. There are far too many old accounts still showing open or if closed still on the report. My current accounts are all paid on time and as such my scores should be XXXX or better easy. These bureaus are not doing their simple task and really should all go away. Banks now have more access without needing these 3. However I would just request that they reflect my account correctly. 

I thank you for your service in this. I have tried getting this done all last summer of 2024. I should only have XXXX, for credit card in good standing. XXXX XXXX, XXXX and XXXX for auto loans. XXXX  XXXX XXXX was charged off but I have been paying the balance still. They really should not be charging me anything but I do pay them monthly so that should also be in good standing plus close paid in full I think it is a scam they charge it off then come for the money anyway. That is double dipping. But those accounts should all show in great standing no missed payments. And nothing else should be on my report. So my credit should be excellent. But the bureaus are not updating my account and score correctly. 

Please help in this as I am trying to purchase a house. Sigh.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit so that I may have funds as I am going thru XXXX.  My credit report from XXXX  and transunion were embarassing and incorrect.  XXXX was accurate and contained information the was true and correct.  I contacted XXXX and transunion and asked why my credit report did not reflect 14 past loans and 4 current loans with 2 current revolving credit cards,  I have banked with XXXX XXXX XXXX XXXX XXXX for over a decade and have never been late nor missed a payment.  I was told that my information was on their system but nobody could see it because the bank refused to pay their fees.  But at the same time if something negative appears they have no trouble reporting that.  there is a 150 point difference between my XXXX report and my transunion and XXXX report.  when I tried to resolve this problem with XXXX and transunion they would not discuss this with me.  This started in XXXX of 2016 with no explanation of why my credit score dropped 150 points in 1 day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed a non arbitration contract that stated the loan does not report to credit agencies. I took a title loan on a vehicle from XXXX XXXX XXXX  and believed they had reposessed the vehicle. 2 years later they are now reporting to my XXXX  that I owe a debt of {$730.00} to debt recovery solutions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federal protected consumer rights to privacy and confidentiality unXXXXer 15 USC 1681 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX XXXX Section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ), States that 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 or crimes which antedates the report by more than seven years. 15 USC 1681e-2 ( A ) ( 1 ) A person shall not furnish any information to a con
sumer relating toto a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

These innaccuracies are preventing me from obtaining credit and other esstenial needs to provide for my family and I.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

We got a secured prepaid credit card with Nevada State bank about 3 years ago. We were never told the card had an annual fee, and up to this year we have never been charged an annual fee. We do not have a balance on this card. We have only used the card once and we paid off the balance that very month. This was when we first got the card. The credit on this card is the money we paid to secure the card, so the bank did n't actually lend us any money at all for this card. Suddenly, we were charged an annual fee, and then we were charged a late fee on the annual fee. So the bank is basically stealing money from us by fabricating charges, not sending us monthly statements nor having a clear way to check the statement on this card, then charging us late fees on their own fees. We called the bank. We explained the situation and they refused to explain why suddenly we are being charged annual fees when we have n't been charged those in the past. We asked the costumer service agent,  XXXX , to look into the history of the card so he could see for himself that this is the first time we 've been charged annual fees. He (  XXXX  ) claimed that he was not allowed to look that far back into the account. We asked this  XXXX  to waive the fees and he refused. He also refused to close the credit card even after we paid their fees. So now by refusing to close the card the bank is refusing to return our {$2000.00} dollars back which we used to open the card. Nevada State bank is stealing {$2000.00} dollars from us!
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX