23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

United revenue corporation has violated my rights. 

15 U.S.C 1692g : Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. 
Account # XXXX and Account # XXXX are fraudulent and inaccurate, debt collector/Original creditor failed to verify debt after receiving dispute letter thru certify mail
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ XXXX  ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/2004 ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Student loan

I am trying to settle my private student loans with chase for the original amounts that I had taken out for school. I took out XXXX student loans with Chase Bank, both for {$40000.00}. I want to settle for {$80000.00} paying back the full amounts taken out and they will not accept and will not give me a reason why nor a contact number to talk. XXXX now services the loan and will not help and Chase is not helping either.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is a follow up complain to CFBP complain XXXX. 

Shellpoint has admitted their wrongdoings when they responded to my previous complaint : " Although we received the HOA policy, our system was not fully updated causing a XXXX policy to be purchased in error. As such, on XX/XX/XXXX, a notification was sent explaining this information and a XXXX policy was purchased for the property. The annual premium for this policy is {$1200.00} and provides coverage from XX/XX/XXXX to XX/XX/XXXX. 

Later, on XX/XX/XXXX the XXXX policy was cancelled. Please note, no disbursements were made from your escrow for the policy purchased, therefore, no refund is available. '' However the fact is Shellpoint either lied to CFBP, or retaliated us ( the customer ). Shellpoint have charged us {$38.00} on XX/XX/XXXX as Escrow disbursement fee after they responded to CFBP. Please see the uploaded picture as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment over my phone in XX/XX/2018. The payment did not process correctly. Chase Credit had an incorrect address ( since been corrected ) and their notifications of the failure to process did not get mailed to me. As a result, I continued to make payments as agreed and registered three ( 3 ) 30 -day lates. I would not have any late payment if Chase 's phone ap had worked correctly. I would not have had lates in XXXX and XXXX if Chase had had my correct address. 

XXXX XXXX XXXX
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, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX # 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 believe that the information is inaccurate.
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. 
Office of the attorney general XXXX XXXX XXXX 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 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 1681 c. ( 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 accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, has violated my rights in the following ways.

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 an account without my written instructions.
Product: Debt collection

I was a patient at the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX County, NJ ) from XX/XX/XXXX to early XXXX. I am receiving bills from a collections agency ( Radius Global Solutions, LLC ) for services I received at the facility. 

However, I did not receive a single bill from XXXX for any of these services, either by mail or online. I have a subscription to IXXXX XXXX XXXXXXXX from USPS, so I have a record of NOT receiving any bills from XXXX  facility. I did not receive e-bills on XXXX either. 

I have made a few payments in good faith, but the collection bills keep coming and I am afraid they may not be legitimate. This practice of XXXX sending bills directly to collections is questionable. I am been unable speak to someone at XXXX who could explain why this happened and help resolve the distress I feel from these collection letters. 

I mailed a letter to the collection agency in XXXX asking them for a complete, itemized amount owed. I have received no response. I then mailed another letter on XX/XX/XXXX questioning the veracity of the bill to the collection agency. This time I took pictures of the letter and of the envelope -- again so response yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I took the time out to reach out to the listed company and they prompt me to reach out to you guys regarding the fraudulent accounts reporting on my credit report. It was previously removed from my credit report but then reappear. Below I've attached the FTC report along with my Drivers license I purchase my XXXX  credit report and i can confirm that the items attached below are deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report a few month age and i notice some Unauthorized inquiry on my consumer report. I reach out to Equifax, XXXX and XXXX because this is a violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 for unlawfully obtaining my ( consumer reports ). Without my authorization or a permissible purpose is a violation the FCRA See 15 usc 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of this year I have written in to all three credit reporting agencies to address accounts being reported inaccurately. The accounts that are not being reported accurately are XXXX XXXX, XXXX XXXX XXXX, and Capter XXXX bankruptcy. XXXX XXXX is still reporting late payments when the account has been closed/ paid in full. XXXX XXXX XXXX is invalid because the account is not mine and should not be on my credit file and lastly the Chapter XXXX Bankruptcy is not mine, no monies owed, being reported inaccurately also to my knowledge all public records that are not being reported accurately were to be removed XXXX XXXX, 2017 which also has not happen in my case. I have sent all companies formal written disputes none have replied with supporting documentation of the debt being valid or verified. I have written in to all three credit reporting agencies to have these accounts removed which also to this day has not happen.
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. 

Account names : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/2024 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, 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. 

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, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

This complaint revolves back to my previous complaint # XXXX. It seems that fnbo has been less than honest with cfpb and me. fnbo violated the Fair-Trade Act by issuing a new card in my name after I had cancelled the card. There were then fraudulent charges which they expected me to pay. Because of your intervention the account was closed, and fraudulent charges were removed, See above complaint. Recently I received a credit card statement from fnbo showing the charges had been removed. There should not have been a statement. The account was closed. I believe they have violated the Fair-Trade Act once again. I don't know how to make this stop. They seem to have no issues with breaking the law.
Product: Mortgage

My mortgage loan is currently Covid forbearance, CFPB has a previous record of my complaint originally. My mortgage with BSI has reported late payments as of XX/XX/2022, my understanding was my loan would be protected from reporting late on my credit report. I spoke last week with loss mitigation about my loan and they confirmed no lates would reflect on my credit report. My score has dropped drastically. I spoke with loss mitigation last week and they are very aware that XXXX XXXX  XXXX was going to bring my account current. XXXX XXXX XXXX contacted BSI for payoff for past due balance. I also received a notification from XXXX XXXX XXXX my past due balance would be paid up to XX/XX/2022. I dont understand why BSI would report on XX/XX/2022 late payments on my credit report if I was protected? Why now, right before my past due was getting paid. They told me I was protected from negative or derogatory credit reporting. I am very disappointed and stressed out. I was trying to get a small personal loan for the holidays for my family and my credit was ruined and now I cant qualify for anything. I had good credit. I was finally going to get back on track. After loosing my job this year. Please help XXXX
Product: Consumer Loan

Car loan paid off in XXXX. Agreed upon a lump sum payment {$9100.00} after not missing XXXX payment from purchase date of XXXX XXXX, XXXX on a XXXX Kia Soul for {$270.00} a month. The difference of XXXX roughly was listed on my credit report as a charge off dropping credit score from about XXXX down to XXXX. Paid over {$17000.00} in less than 3 years on vehicle. I did not understand that a lump sum payment would be considered derogatory with the XXXX difference. I offered to pay the remaining balance when I found out. Account should never have been listed as charge off and now they reviewed and decided to make it a settlement ... which is what it could have been considered initially ... but after knowing the circumstances were not from any form of delinquency should be considered and reported in a different way. Please help ... these delinquent reports to credit agencies will hurt me far worse than me paying them the XXXX! I have offered and they would rather ruin my credit!!!! Single mom no child support paying every bill on time and just need what 's fair ... not asking for handouts. I was a loyal customer to Wells Fargo Dealer Services and they have just destroyed my credit without a second thought.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed out a FTC Report, For inquires That don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple credit cards and have credit scores with BOTH XXXX and XXXX. I'm finding it impossible to get Equifax to assist in creating/ providing a credit score for me. 

1. Contacted Equifax on XX/XX/2022 at XXXX EST ( XXXX minute call ) Was asked to mail a copy of Driver 's License and Social Security Card to " verify ID '' 1a ) Mailed Copy of Driver 's License, Copy of Social Security Card, AND a letter with current name, former name, current mailing address, former address, every piece of info I could think would help AND a contact phone number and email address via XXXX XXXX Mail XXXX was delivered and signed for by " XXXX XXXX XXXX on XXXX XXXX. 

2. Called Equifax on XX/XX/2022 at XXXX pm EST ; was told " they must still not have it uploaded '' ( XXXX minute call ) XXXX ) Received postcard XX/XX/XXXX, which proves they HAD received my documents saying : " We received your request regarding your Equifax credit file. However, we were unable to locate a credit file for you for one of the following reasons : - You have not applied for credit recently- You have not actively used credit in the past ten years, or -You have not lived in the United States or have not been issued a U.S. Social Security Number If you are a resident of XXXX XXXX. [ instructions to follow ] You may want to contact the other two nationwide consumer credit reporting agencies listed below : -XXXX  [ provided number and website ] -XXXX  : [ provided number and website ] If you have any questions, please visit us at [ website ] or contact us toll-free at [ phone number ] 3 ) Called multiple numbers XX/XX/XXXX, spending a total of XXXX minutes with Customer Service- with ALL asking me to send in documents to prove my identity. NONE could say how the process would change and be fruitful if I went through the process again. I NEED a credit score to obtain housing. Please assist!!!
Product: Vehicle loan or lease

I realized I had not received the title for my XXXX XXXX XXXX recently when I thought about selling it, the lein was paid off in XX/XX/XXXX. I reached out to Santander on XX/XX/XXXX, who was the financing company I made the payments to inquiring why I hadn't received my title. They informed me it had already been released that I just needed to go the the DMV and ask for my title. On Monday, XX/XX/XXXX, I went to the DMV who then informed me that there was still a lein on the vehicle and that I needed to contact the financing company that had the lein. I contact Santander on XX/XX/XXXX again and informed them of what the DMV had advised, they said it was an error on the DMV part, that they would however, email me the release of lein in 72 hours and that I would receive a paper version in 5 to 7 business day. As I hadn't received anything via email, I contacted the DMV again today XX/XX/XXXX, to check on the lein and advised them that I was told it was an error on their behalf as to my vehicle still having a lein. The DMV then informed that it was not an error on their behalf, a paper copy of the title had actually been mailed to the finance company in XXXX, and should have been mailed to me when I paid off the vehicle. I then contacted Santander again and was told again that they would email me a release of lein letter in 48 hours and mail me the same letter to be received in 3 business days. I feel I am getting the runaround as they continue to give blame to the DMV and just keep extending the days for when I am going to receive the release of lein letter either by email or mail. I have yet to receive that. As for the paper copy of the title the DMV mailed them, they just said they did not mail out paper titles, everything was done electronically via the DMV or they mailed a release of lein letter. Neither has happened in my case, again this was on a vehicle paid off in XXXX, it should not be taking these many calls to get my title to my vehicle or the release of lein. 

Thank you, XXXX XXXX
Product: Checking or savings account

Wells Fargo allowed a payment to go through from XXXX when I didn't have the full amount to cover the payment. But did not allow XXXX payment. I have asked Wells Fargo before if the funds are not available please do not allow payment to clear. Now I have {$35.00} return fee and Wells Fargo did not return the payment. Plus Wells Fargo have a new process in place if you get paid an a purchase comes through and all the funds are not available Wells Fargo will clear the payment and not charge a fee. But I was charge a fee.
Product: Debt collection

In late XXXX, my ex-husband contacted me to let me know a certified letter had been delivered to his address ( where I do not reside ) in my old name ( which I have not used since 2017 after it was legally changed as part of my divorce ). 

He mailed the letter to me and I opened it to find that I was being sued by XXXX XXXX XXXX on behalf of XXXX services. I have no knowledge of either Mr. XXXX or XXXX prior to this. There have been no previous attempts by the company or their lawyer to reach out to me for this supposed debt. And no one has proven to me this debt originated by me or is owed by me. It is my belief that this debt has been fraudulently obtained and that the lawyer ( MrXXXX XXXX ) did not properly review my file. I have been given no time to research the facts of this suit nor have I been given proof that this debt is mine.