23daVinci/CFPB_Complaints huggingface dataset:
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 U.S.C 1681 section 602 A. States I have the right to privacy. 


Account name and Number DEPT education, XXXX # XXXX Account name and number DEPT education, XXXX # XXXX Account name and number DEPT education, XXXX # XXXX Account name and Number XXXX DEPT education, XXXX # XXXX 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 or other personal consumer reports

I took out a home equity loan. At one point a company called Specialized Loan Servicing serviced the loan. Specialized Loan Servicing sold the loan to XXXX XXXX XXXX XXXX. I have been paying XXXX XXXX XXXX XXXX. Specialized Loan Servicing continued to report the account as open. Specialized Loan Servicing was acquired by Shellpoint/Newrez . Several attempts have been made to remove the loan on my credit report by contacting Shellpoint/Newrez . In limbo, several phone hours in, a couple weeks from initial credit dispute, unsure where to turn.
Product: Debt collection

In XXXX I received a letter from Southwest credit saying I owed money on an old XXXX. 

I recognized right away that this was a debt that belonged to my former employer. 

Several years ago I, as an employee of a nonprofit, opened a business account with XXXX. 

The account was always in the companys name and attached to its tax ID. It was never in my name or attached to my social security. I merely put my name down as the account contact. 

I left the company in XXXX. 

In XXXX, I got an email to my personal account about the debt. It was for the same amount I am being shaken down for now. The email was clearly marked as a debt belonging to the company. It did not have my name associated with the debt. I forwarded the email to the company. 

A year later, in XXXX, I got another email from a different debt collector also clearly marked for the company and not for me. I sent that to the company. They then assured me that they had resolved the matter. 

Now, in XXXX, the same debt has resurfaced only this time the new debt collector is saying that I personally owe the debt. 

To repeat, the exact same XXXX  account ( I checked the account numbers ) that debt collectors have been trying to collect on has now shifted to me personally. 

I think what is going is that the debt collector bought the debt for pennies from XXXX and realizing the statute of limitations has run out on the company ( it has been four years! ), they are now trying to scare me into paying because they found my name on the account. This is despicable. I have worked my entire life to protect my credit and now a debt collector can contact me with a very real threat of ruining my credit if I dont pay a debt that a ) the former employer insists was resolved and b ) was never mine to begin with. 

I have asked Southwest to send me the bill twice. I asked in writing in XXXX. I asked over the phone in XXXX. I went to their website and filled out a form requesting a copy of the bill in XXXX. I have done everything I can to get them to prove to me that this is MY debt yet they refuse to be forthcoming.
Product: Mortgage

This matter concerns the handling of Rushmore Loan # XXXX On XX/XX/XXXX, I received a letter from Rushmore Loan Management Services informing us that they were transferring the servicing of our loan to another company, XXXX XXXX XXXX, effective XX/XX/XXXX. 

I was dismayed to hear this because I had called Rushmore every week in XXXX requesting a copy of our year end federal tax interest and tax reporting statement. Each time I called, they assured me that I would receive a copy in the mail by the end of the week. 

After I received the notice of transfer, I called Rushmore again and spoke to a XXXX who would only further identify himself as XXXX # XXXX. He stated that since we hadnt made any payments, it wasnt necessary to issue a 1099. I asked him about the tax payments to our county authorities. He said he reviewed our file and saw that Rushmore had made two disbursements of {$8200.00} each, one on XX/XX/XXXX, and one in XX/XX/XXXX. 

When I again asked him for a copy of the federal year end tax and interest statement, he said no electronic copies were available, but he could fax a copy. Since I do not own a fax machine, I asked him to fax a copy to our HUD Certified Housing Counselor, AND to send one to our home by mail. 

To date, as of XX/XX/XXXX, NO fax or letter has been received by me or our HUD counselor. I am very concerned that this document will not be sent out and our loan will be transferred to another servicer and we won't have any information regarding the payment our our property taxes.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

The following accounts did not provide property notice prior to furnishing negative information to credit reporting agencies and I am requesting these account to be removed promptly. According the fair credit reporting act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 
( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act.

92 623 - 15 U.S.C. 1681s-2 ( C ) Coordination with other disclosures. The notice required under subparagraph ( A ) ( i ) may be included on or with any notice of default, any billing statement, or any other materials provided to the customer; and ( ii ) must be clear and conspicuous. 
See also 12 CFR Part 222, App B 70 Fed. Reg. 33281 ( XX/XX/year> ) The following accounts violate the above law 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, PORTFOLIO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Roughly 9 months ago, I received promotional advertising from JPMorgan Chase for a CD account with a relatively high interest rate ( if I remember correctly 2-3 % ) and I signed up for this promotional account and placed {$10000.00} in the account. 9 months passed and I did not touch the money. Then I received a letter in the mail AND an email from Chase saying that the 9 months account was coming to an end on XX/XX/XXXX. Instead of my funds returning my Chase savings account, the letter stated that the funds would automatically be placed in another CD account at a significantly lower interest rate ( if I remember correctly .01-.03 % ) if I took no action. Both the letter AND the email stated that I could " withdraw some or all of my funds '' out of the CD account by " visiting a branch '' OR calling a number. 

As of the writing of this complaint ( XX/XX/20 ), I have called Chase a total of 7 times and talked on the phone with many representatives for a total of ~2 hours and I still can not get my funds withdrawn from my CD account into my savings account. 

My simple request has been the same on every call : close the CD account and transfer all those funds into my Chase savings account. For some reason, the company says that they can not do it over the phone, despite their representations at sign up AND closure that they could. I only have 10 days from XX/XX/20 to close this account and I am currently away from my home. 

My request to the CFPB is the same, I would like to have my money located in the CD account transferred back into my savings account without any fees or charges.
Product: Debt collection

Landmark Financial has been told repeatedly not to call before XXXX. 
I get 3 to 4 calls daily with voice messages now that I have blocked their number.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion states that they did corrections and now it's updated but obviously they didn't because I still see the same errors on my credit report and nothing was changed!! let 's get this right once and for all ... if there's errors and inconsistencies on my credit report you have to delete ... .or pay {$1000.00} per violation...
Product: Credit card or prepaid card

The item was returned to the merchant, the merchant provided the confirmation of return/refund processed back to my credit card however the credit card got the refund and still charged me for the item which was returned fully to the merchant. The credit card was informed of the issue multiple times and provided the confirmation from the merchant about them processing a refund back to my card, but they chose to ignore it and for almost a year trying to bully me into paying them for something I returned back to the merchant and provided them with confirmation!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX. Your company has not responded to my previous written communication that was sent via certified mail and received by you on XXXX XXXX. I have attached that communication to this complaint. Please respond accordingly. 

Accounts should appear on my consumer report with my written permission and no other. 

In addition, while an account is under dispute it should be DELETED from my report until the dispute is resolved. 

Please respond directly to my attached letter or I will seek monetary compensation in the form of {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and notice I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting ACT ( FCRA ) to conduct a reasonable investigation of dispute information on my credit report leaving an inaccurate unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit Experian alleging systematic issues such as failing to forward consumer-provided evidence to furnishers except an unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Macy claim I miss three payment and took my limit down from {$300.00} to {$100.00} after I paid most of the payment it cause my credit to go down 41points.
Product: Debt collection

I received a response from XXXX, XXXX and XXXX, regarding a request for debt validation. I only received statements nothing more.I am therefore requesting proof of ownership-bill of sale, or some document assigning or transferring the debt from the original creditor to XXXX, XXXX XXXX XXXX. If this debt was sold more than once am requesting proof of sale from XXXX XXXX and the XXXX XXXX 
It is my belief that sending past due bill is not sufficient to debt validation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making requests to further investigate the accounts referenced in the attached letter for the last 5 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from XXXX another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I try to log into Trans Union account it says I do not have the right password and username then when I can finally get someone to help me by chat if I do it two or three days later, it says it again the same process I have to start all over Im not understanding why is it doing this! I cant even see my credit report or my credit score do to try to do it just a minute ago through annualcreditreport.com
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX XXXX {$18.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$3500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXX XXXX  XXXX XXXX {$6700.00} XX/XX/XXXX XXXX  XXXX XXXX {$850.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$110.00} XX/XX/XXXX
Product: Vehicle loan or lease

All attempts to settle the account and make payment are attached below. The company Chrysler Capital failed to respond to ALL document presentments as well as has taken the personal property and has kept the financial instrument.
Product: Debt collection

Around XXXX or XXXX I was first contacted by phone by XXXX XXXX XXXX, XXXX for a debt related to XXXX XXXX XXXX ambulance services for a date of service of XX/XX/XXXX. The responsible party for the debt has the same date of birth and same last name as I do. We have the same first name but with different spellings and different middle names, and we live in different cities in the same state. I contacted XXXX XXXX XXXX by phone and advised them that I was not the responsible party and had no connection to the responsible party. They reviewed their account and confirmed that the information on file did not match my personal identifying information and promised to send me written documentation that I was not responsible. They never did. On XX/XX/XXXX, I received a letter from XXXX XXXX, again trying to collect for the same debt. I also received phone calls about that debt at the same time. Again, I contacted them via phone, confirmed that my name, address, and SSN do not match the responsible party, told them to stop contacting me and that I considered their repeated attempts to collect the debt from me to be harassment, and to send me written documentation that they will cease contacting me as I am not the responsible party. They did not send such documentation. On XX/XX/XXXX, XXXX XXXX sent another collection notice for this same debt to my address, with my name spelled correctly on the address line but clearly different from the name on the account that was also included on the letter. On XX/XX/XXXX or XXXX my husband received a call from XXXX XXXX requesting to talk to me about the debt. They have confirmed repeatedly that I am not the responsible party, and yet they continue to harass me and now my family members over a debt that is very easily proven to not be my responsibility.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX is reporting information to XXXX, XXXX and Equifax that is not associated with my account. These fraudulent balances on my credit report has resulted in past due statuses inhibting my ability to access credit I am a victim of identity theft, and I can assure you this debt is not mine ; In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section states a credit issuer can not furnish an account without my written consent. This is misuse of my information and I am also requesting that original contract is provided.
Product: Credit card or prepaid card

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax and XXXXXXXX XXXX with no successful resolution. Equifax only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017 and XX/XX/2017 XX/XX/2017
Product: Student loan

I received XXXX letters from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX confirming that my TEPSLF application had been received. I called them to confirm the next steps and was told that the loans would be transferred from XXXX to Mohela and that it could take some time. I received a letter on XX/XX/XXXX from Mohela confirming that the loans were transferred due to a TEPSLF application being submitted. I called in XXXX of XXXX to get an update, but was told by Mohela that the loans were still not viewable in the online account. I called this morning and was told there is no record of my TEPSLF application and that I should re-submit. The waiver to apply ended XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Has mistakenly reported that I owe over XXXX $ to the original creditor XXXX XXXX the account number is XXXX the date it was opened is XX/XX/ but I payed the amount owed in full to the original creditor XX/XX/. With that being said it was wrongfully put on my credit report because I dont owe them anything and I have the proof that it was paid in full.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Mortgage Information with XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in correcting inaccurate mortgage information reported by XXXX, which I believe is in violation of the Fair Credit Reporting Act under 15 U.S.C. 1681s-2 ( a ). Despite my consistent and timely mortgage payments, XXXX has failed to update my account to reflect this accurate information, resulting in a negative impact on my credit report reporting also bad factor on loans. Under the aforementioned statute, I understand my rights as a consumer to dispute inaccuracies and ensure that credit reporting agencies maintain accurate records. I kindly ask for your intervention in this matter to facilitate the correction of my mortgage information also to correct on positive manner the loan factor with XXXX and ensure compliance with federal law. 

Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint regarding an account that is being reported by XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting that the account be investigated and removed from my credit report with all three major credit bureaus. Background The account in question, which is listed as Charged-Off on my credit report, shows a balance of {$26000.00}, with a written-off amount of {$29000.00}. The last status update on this account was recorded in XX/XX/year>2023. However, I did not sign any contract or agreement with any related entity, including XXXX XXXX  and XXXX XXXX XXXX XXXX, and I have not authorized any of these entities to report an account in my name. Furthermore, I requested the full account number from XXXX XXXX XXXX, but I have not received a response or any verification of the account. Legal Violations I believe my rights have been violated under the Fair Credit Reporting Act, as outlined below : XXXX. 15 U.S.C. XXXX, Section XXXX ( A ) - Right to Privacy : Under this section, I have the right to privacy regarding my personal financial information. I did not provide authorization for the reporting of this account, and my privacy rights have been violated by the reporting entities. XXXX. 15 U.S.C. XXXX, Section XXXX ( A ) ( XXXX ) - Written Authorization : This section explicitly states that a consumer reporting agency can not furnish a consumers account information without their written instructions. I did not provide written consent to any of the parties involved ( XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX XXXX ) for the furnishing of this account, nor did I sign any contract with these agencies or companies. Request for Resolution As I did not sign any contract with any of the collection agencies involved, and I did not authorize the reporting of this account, I am requesting the following actions : XXXX. Immediate removal of the reported account from my credit files with all three credit bureaus ( XXXX, XXXX, and TransUnion ). XXXX. A full investigation into this matter by your office to ensure compliance with the Fair Credit Reporting Act and the removal of any inaccurate or unauthorized reporting. XXXX. A written response confirming the resolution of this issue. I respectfully request that this account be removed from all XXXX major credit reporting agencies, as this account has violated my rights! Please let me know if any additional information or documentation is required to assist with the investigation. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

NATIONAL CREDIT SYSTEMS IS REPORTING AS A COLLECTION ON ALL THREE OF MY CREDIT REPORTS. I HAVE SENT SEVERAL VALIDATION LETTERS TO THIS COMPANY AND ALL THREE OF THE CREDIT BUREAUS, THEY HAVE NOT RESPONDED, IT HAS BEEN MONTHS AND I HAVE NOT RECEIVED THE VALIDATION OF DEBT LETTER AS REQUESTED, I SENT CERTIFIED LETTERS TO KEEP TRACK OF THEM RECEIVING THE LETTERS,