23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 
Account name XXXX XXXX XXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX, Account number # XXXX, Account Name : XXXX XXXX Account name : # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number : # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : # XXXX 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 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 eleve mane information is inaccurate.
Product: Debt collection

I Checked my credit report regards to this situation and a charge has popped up regarding to me owing them XXXX dollars as of XX/XX/2024. I called the number and they said they have no record of me at all of me and my name associated. and then told me they have been sent from a 3rd party with a email that is not mine or bank.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


US DEPT ED XXXX {$3600.00} US DEPT ED XXXX {$2500.00} US DEPT ED XXXX {$1400.00} US DEPT ED XXXX {$7900.00} US DEPT ED XXXX {$5600.00} US DEPT ED XXXX {$3500.00} US DEPT ED XXXX {$1600.00} US DEPT ED XXXX {$4300.00} US DEPT ED XXXX {$4200.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX  XX/XX/2024 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024
Product: Mortgage

I was awarded the home in divorce proceedings and received Special Warranty Deed. Both the Mortgage and HELOC were in Ex-Husband name only. Paid off first mortgage but the was an Escrow shortage, of which Chase allowed me to do an assumption modification. When I complete the process the said it was denied because Ex-Husband would not sign the Modification Agreement. However ever month I have continued to make the payments according to the agreement and the continue to accept them. 

I recently received the notice about Foreclosure on the HELOC. I never received any notices on this loan because Chase was sending statements to an address give by Ex- Husband. Because he is only person on the loan Chase would not change address and they lost communication which him over two years earlier. When I called in and advised them that the home had been awarded to me in divorce, they advised me of an Accessor Of Interest position. I was told to send in Divorce Decree, copy of Warranty Deed, etc. So I did. The documents were reviewed and I was added as the successor. However Chase refuses to forward any Billing Statements or Documents of the original Loan Contract. According to their representatives, I can only reinstate the loan and continue to make payments. Also, at any time if my Ex-Husband wants to with draw any of the equity out of the home he can do so, as the line of credit is still open. They told me that Im not legally liable for the debt. Hence, I can only be given a limited amount of information, of which will be verbal. If Chase can forward a written Payoff Quote, why cant they ballade the debt and send monthly statements. What is the purpose of becoming a Successor of interest. 

There is an estimated XXXX balance and over $ XXXX equity. I went into a local branch and spoke with a representative who downloaded a Request For Mortgage Assistance Package. I forwarded the packet in with several financial statements, to show that I could make the payments but dont have the money to reinstate the loan. A representative confirmed the documents were received but could only say that someone will give me a call once the documents are reviewed. This person stated the they/Chase would not be able to release any loan documents prior to me becoming a Successor Of Interest, which includes monthly billing statements. 

Please tell me what are my rights as the sole property owner.
Product: Student loan

When Navient took over loans they had both my Federal and Private loans listed. I accessed the web site and found the loans. I sent payments ( enough for all the loans ) to the new address each month. After approximately a year I got a letter stating I was in default. I had proof of electronic payment. The Navient representative stated that she could not see all loans on my web site even though I could. The full payment was being applied to the other loans and interest and late charges were added to my private loan. The added charges were approximately {$4000.00}. When I asked why they could not see that the payments were applied to the other loans they said could but there was nothing they could do to reverse the charges. I have had to make separate payments since then. Additionally they keep raising my payment. It is like dealing with loan sharks! Original loan was {$22000.00} After almost 8 years my balance is $ XXXX.Their site shows a grand total ( combined loans ) yet they can not service them together!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items on my credit file that exceed or reporting inaccurately. 

# 1XXXX XXXX XXXX  paid in full is not a charge off should not be reporting delinquent history. # 2 XXXX XXXX this account exceed the 7-year statue reported. # XXXX XXXX XXXX this account was paid in full was. Please remove the inaccurate delinquent history. XX/XX/2015 through XX/XX/2015. # 4 XXXX   Paid in full and I have the letter stating paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, in XXXX 2007 I was a victim of identity theft and fraud. I have filed 7 Police reports in different states with in the past ten years and place a fraud alert on all the Credit Reporting Agencies ( CRA ) XXXX, XXXX, and Equifax. trying to correct my credit report. The problem I 'm having with all credit agencies, is that their not complying with the Fair Credit Reporting Act Laws. The ( CRA ) are by law to verify documents sent from the creditor ( s ) place into my credit file. I have been sending request that the ( CRA ) provide me with that proof of documents verification for over 1 year and I have not received a response and when I call over the phone. The ( CRA ) always state that they never received my supportive police reports or complaints.
Page 35 : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( FCRA ) Page 37 ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section
Product: Mortgage

I'm currently going through a war on XXXX XXXX and have had to go through XXXX XXXX the past 2 years so my tolerance level for the amount of stress that this has caused me isabove and beyond my abilities. We do not get the best phone reception here. Wepurchased our forever home on our XXXX Wedding anniversary XX/XX/XXXX. We hadbeen with XXXXXXXX XXXX making our biweekly mortgage payments until XXXX when our loan was then sold to XXXXXXXX XXXX. In order to be a part of thebiweekly payment program, you had to have paid a month ahead on your mortgage, so atthe time of our loan being sold : Our next payment due was XX/XX/XXXX. I have a copy of thelast mortgage statement sent to us from XXXX XXXX reflecting this and will attach.When XXXX took over our mortgage they insisted we were due for XXXX XXXX. We tried to contact them several times via phone and were unable to get anyoneto understand they had the payment information wrong. Additionally, Our mortgagepayment changed financial amounts when being transferred to the amount we were toldwas due if we did not pay the escrow shortage. ( we have proof we paid the escrow shortageto XXXXXXXX XXXX  ) We continued to make our biweekly payments to them : for 2 months ( 4 payments ) and in XXXX XXXX we received a letter from Freedom Mortgage stating our loanwas getting sold to them and we were due for the XX/XX/XXXX payment. I have been in contactwith Freedom Mortgage giving them copies of our bank statements showing all paymentsmade for the 2 years, Copies of XXXXXXXX XXXX XXXXXXXX, copies of the mortgage statements.The response given to us was that they did not start servicing our loan until XX/XX/XXXX andwe would need to work it out with XXXX When we contacted XXXX with all ofthis information, who still has not provided us with a 1098 for the 2 payments made XXXX and the 2 payments made XX/XX/XXXX. They advise us they can not do anything as theysold the loan to Freedom mortgage and we would have to work out payment problems withthem as they own XXXX now. I've spent hours trying to resolve this on the phone aswell as through email contact. Freedom Mortgage is now rejecting our mortgage paymentsbecause they say we are several months behind and have also sent us a letter saying theyhave reported us to the Credit Agencies for nonpayment! Our records show that we are duefor XX/XX/XXXX!! Please Let me know if you are able to help with this horrifying problem and ifnot, whom we should contact. Thank you kindly in advance, Make it a great day.
Product: Debt collection

my information was stolen and used to acquire credit cards and i have not authroized these ones im filing this complaint about
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. THIS SECTION ON WHY THESE CREDIT INACCURACIES ARE DETRIMENTAL TO YOUR LIVELIHOOD and a financial hinderance for myself and family.

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Product: Debt collection

I contacted trans world systems XXXX at XXXX. I spoke to a Representative and Supervisor who refused to give information about 2 items on my credit report that I have no knowledge of. They took all normal information to confirm my identity, but when I questioned and refused to give a credit card # for further identity check they hung up the phoNe up. I tried to call back and no answer
Product: Debt collection

In XX/XX/2019, I received a letter from Account Control Technology saying they were trying to collect on a debt. I wrote and sent them a written request ( via certified mail ) to validate the debt. I have not heard back from them until this morning. A representative called me " in an attempt to collect the debt ''. I asked why they are calling me when they haven't responded to my written request for debt validation sent back in XXXX. I was not able to receive a straight response from the rep. She said she could add me to the " Do the call '' list. Not good enough, I want the matter resolved and I want to know why my request was ignored and why I am being contacted again without ACT having validated my request. I asked to speak to a manager or supervisor, he also beat around the bush and would not answer why they have ignored my request for validation. I became frustrated and decided to pursue this matter with other authorities and to file complaints against ACT. My rights under the Fair Credit Reporting Act are being violated by ACT.
Product: Student loan

In XXXX I entered into a payment arrangement with Performant Recovery Inc. to pay XXXX a month. I made these payments in a timely fashion. In XX/XX/XXXXI transferred to a new bank and contacted Performant with my new account information, giving them my new account and routing number so that I would not default on my payments. Several months later I recieved notice that I was three payments past due and was asked to pay XXXX dollars before XX/XX/XXXX or my loan would default. I sent them XXXX before the date. I have records of all my payments, which I have sent to XXXX and Performant and included in my dispute.
They transferred my account inXX/XX/XXXX to XXXX XXXX. and considered my account in default status giving me no explanation as to why. I have disputed this with them on several occasions. The only explanation after my dispute is that my account has been " resolved '' but if that is the case my loan would never have been transfered, I would never have been charged XXXX  extra in interest and they would have honored my payments. When I have tried to speak with agents at Performant they always inform me my account has been transferred with XXXX and to speak with them. When I ask XXXX why my account was transferred they tell me it was considered defaulted but ca n't tell me why and have me dispute it. I 've been in a cycle with these people and getting nowhere.
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 XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2022, XX/XX/2022 AND XXXX XXXX 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

XX/XX/XXXX XXXX XXXX XXXX Collection account. {$650.00} past due as of XX/XX/XXXX. 
{$650.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Paid, Closed. 
{$520.00} XX/XX/XXXX XXXX XXXX, XXXX. 
{$720.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Closed. 
{$1000.00} XX/XX/XXXX XXXX XXXX XXXX in settlement. 
{$12000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
{$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Paid, Closed. 
{$400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Charge Card Paid, Closed. 

XX/XX/XXXX XXXX XXXX XXXX Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
{$650.00} XX/XX/XXXX XXXX XXXX Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
{$150.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Debt collection

Selip and Stylianou, LLP sued me and obtained a judgement on behalf of a creditor who has sold the debt to a third party. I was not properly notified or given the opportunity to respond to the suit. They are now attempting to garnish my wages on behalf of a creditor that no longer holds the debt.
Product: Debt collection

From XXXX XXXX, 2017, in three different Certified letters ( Attached ), I have requested for the " VALIDATION '' of debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA from Chase. They refuse to provide the necessary information based on above mentioned letter ( Attached ).
Product: Vehicle loan or lease

paid off two car loans XXXX/XXXX/XXXX. Have not received titles
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to XXXX causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On the XXXX, I reached out and informed them my tax amount reflected that a lower amount was due than was paid. I was told they'd look into it. Below is the initial email sent, along with attachments reflecting both pieces of information : XXXX XXXX XXXX Payments are not consistent with the payment history on the XXXX tax payer website. Amounts removed from the account do not reflect overpayment. 

My annual tax amount should be {$3300.00}. It appears that Mr. Cooper has billed my escrow for {$4500.00}, and never reflected a credit from the over payment. The City of XXXX does not reflect an overpayment, but reflects a payment of the accurate tax amount ( due to the homestead act exemption ). 

Can someone please investigate these discrepancies? I do not feel my escrow account has an accurate balance right now. 
- Mr. Cooper did not send written follow up and communication. I have had to call and beg to get any more information. I have asked for copies of all communication to the city of XXXX, that has been refused. They also will not tell me how to contact the city of XXXX or provide any follow up on the initial email request.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND INNOVIS TOOK 45 DAYS TO INVESTIGATE XXXX XXXX AUYOLOAN NO.XXXX. 
THIS VIOLATES THE F.C.R.A. CONSUMER PROTECTION LAW 'S.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Product: Debt collection

For over two years, XXXX XXXX aka " XXXX '' has been filing false information on my credit report and harrassing me via unregistered collection agencies attempting to threaten and extort me for money thay i do not and never did owe them. They have threatened me personally, as well as bullying and threatening my neighbors im vain attempts to gain access to the apartment complex in order to " reclaim '' property that they claim I have stolen from them, as well as threatening to meet me outside the door and attempt to strong arm me for the money. When these efforts failed and I accosted a XXXX employee who made these attempts, they proceeded to make monthly false credit report notifications and sell my personal information illegal to third parties mafia-style. This has to stop. I not only want government involvement, I am warning that the next XXXX employee to set foot on the property is getting shot dead, and since I have filed numerous reports with both local police and local politicians, this will now be elevated to criminal court as well.