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. 

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 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, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 my credit score dropped with XXXX for no reason without explanation per credtit karma. My XXXX score has dropped from XXXX to XXXX for no reason. credit karma is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.
Product: Mortgage

This complaint is being filed against PHH Mortgage services as being unreputible company. Four payments were sent to this mortgage company to be applied to principal. None of these payments were cashed or applied to mortgage and they continued to charge daily interest fees. At this time foreclosure was initiated and additional costs and interest fees were added. On XXXX XXXX a letter was received stating mortgage payoff amount if paid by XX/XX/XXXX. On XX/XX/XXXX the full payoff amount was wire transferred to the company. On XX/XX/XXXX, we were advised they were requesting additional charges. At that time, we contacted our lawyer who was assisting in this matter and he advised we file a formal complaint with state and Federal agencies as they were uncooperative with his office as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to correct my name and address with Transunion in XX/XX/2019. I sent in a copy of my divorce decree, my new drivers license with my new name and address, a copy of my new social security card, and a pay stub verifying my new employment and name. It was received and signed for. I have opened two new accounts ( which are reflected on my credit report ) with my new name and address. I have updated my name and address with my banks. I filed a dispute online with Transunion to update my name and address. They investigated and closed the dispute without changing my name or address. 
When I called Transunion and spoke with a supervisor, I was told that they couldn't update my information on the new accounts, but that I had to contact all of my old creditors on accounts that have been closed for years. They refused to use my new accounts as proof, and won't even add my new name and address on to the list of " other names used ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 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 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On or aboutXX/XX/XXXX, I received correspondence from a debt collection agency named Affiliate Asset Solutions , LLC regarding an alleged medical debt in the amount of {$1300.00} for services rendered to my son on XX/XX/XXXX.
This was the first and only notice I received regarding this alleged debt. The correspondence identifies the original creditor as XXXX XXXX XXXX XXXX. While my son did visit the emergency room on XX/XX/XXXX, the only billing I have received which was covered by my insurance in the amount of {$1800.00}. On XX/XX/XXXX, I contacted XXXX XXXX Hospital in XXXX XXXX, PA who confirmed the amount of {$1800.00} was paid by my insurance.
I pulled my credit report to see if there was any collection activity related to this creditor and there is none. I do not believe I owe this debt. My insurance would have covered any medical costs. Thank you for your help in advance.
Product: Mortgage

My loan is a former Wachovia Mortgage now my servicer is Wells Fargo Bank. I am employed by XXXX XXXX through University of XXXX XXXX. I was on XXXX and workers comp and I informed Wells Fargo early in XXXX that my employer made a mistake in my payroll and for 3 months I was not paid. However, Wells Fargo stated over the telephone that I did not qualify for a loan modifications and that I had to participate in repayment plan to pay the arrears that payment was {$5000.00} for 3 months, the regular mortgage payment was {$3500.00}. In XXXX XXXX, I returned to work and did not receive a pay check, again I informed Wells Fargo Bank about the discrepancy in my pay, this time they threaten me with foreclosure and stated again that I did not qualify for mortgage assistance. I filed a complaint with the Executive Office on Monday XXXX/XXXX/XXXX, for Wells Fargo about their resistance to review me for a loan modification, I received a case # XXXX. However, when I called back to Wells Fargo and spoke to a XXXX XXXX in the Executive Department who said the only thing he saw was that I was sent to foreclosure and saw no complaint. Then began a flip and condescending conversation between he and I. He seem to take delight in my being upset and never once offered me mortgage assistance in the form of a application
Product: Credit card or prepaid card

On XX/XX/2020, after weeks of design support, I purchased {$11000.00} worth of furniture in store at XXXX XXXX in XXXX XXXX, MI. At the time of payment, I opened a XXXX XXXX credit card to receive 10 % back in rewards. There was a promotional option to receive no interest on the credit card. I rejected this option. I had discussed spending my {$1100.00} expected reward dollars in store with my designer on accessories for my new home. 

When my first credit card bill arrived, I paid it off in full. When my second credit card bill arrived, I paid it off in full. At this point, I realized I was not accumulating any reward dollars. I contacted the credit card company & was informed I was not eligible for points because my purchase was selected for the promotional plan to receive no interest for 12 months. I did not consent or agree or want this. I knew a mistake had been made. I wanted to spend my 10 % reward points in store, hence why I had been paying off my balance each month. 

I contacted the associate who originally completed the transaction who immediately apologized & took responsibility. I was contacted by the store manager and referred to dispute this with the credit card company which I did immediately. Several weeks later, I was informed my dispute was rejected with no room for appeal or follow up. I contacted the store manager, who assured me I would be contacted within 24 hours. It has been been 4 days since that conversation & I have received no follow up. 

I expect a resolution to financially compensate me for the lost reward dollars.
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 is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX
Product: Debt collection

The medical institution is Code 3 ER which closed during the pandemic. I have filed multiple complaints with the XXXX ( if you look at the XXXX website for this organization you will see multiple complaints just like mine ) and other organizations, like the local state departments where it was located in XXXX, because there was no phone number, email, social media account, or way to contact the company about anything and I was on a payment plan which I have proof of but there was no way to get an updated statement. Then Cascade Receivables Management LLC sent me a letter XX/XX/XXXX so I sent a dispute letter certified mail within days of receiving that letter. I then saw on my credit report that a XXXX XXXX XXXX reported it on my XXXX credit report XX/XX/XXXX. They had reported it to the credit bureau before it was validated which I read was against the Fair Reporting Act and I heard no response to my dispute letter. I just now ( XX/XX/XXXX ) received a bill statement from Cascade Receivables Management LLC that is a different amount then the amount on my credit report.
Product: Debt collection

On XX/XX/year> at XXXX XXXX, I received an email from XXXX XXXX an employee of Radius Global Solutions LLC, a debt cancellation agency, regarding a debt that is over XXXX XXXX XXXX from XXXX XXXX XXXX. I had never heard of Radius Global Solutions LLC nor received any notification that they were attempting to collect on this debt until I got the email. The email also mentioned that I was sent a notice allowing me to validate or dispute the debt. However, I never received such a letter or any form of communication. Additionally, this debt is over XXXX XXXX XXXX, and according to XXXX law in Arizona, they can not continue to collect or sue me due to the age of the debt and the absence of a written contract with the mentioned debt collection agency. I have attached the email that was sent.
Product: Checking or savings account

In XXXX, I opened an account with Citi as an international student. In XXXX, my card expired and my account was set to inactive. Since then, for over XXXX years now, I have been trying to reactivate my account. To do this, I have contacted customer service about XXXX times ( I am not exaggerating ). I was told that the only way to reactivate the account was to send a physical letter to their address in XXXX XXXX, Texas. So I did, but nothing happened. Meanwhile, they are taking fees from my account. 
With my account inactive, I can't do anything, I can't transfer money, nothing at all.
Product: Mortgage

I have made numerous attempts to obtain a verification of mortgage ( VOM ) from my lender Seterus , Inc . I need this information so that I can refinance the loan. This loan was dismissed in a bankruptcy proceeding but is still being serviced by a Seterus who calls themselves a " debt collector ''. They are apparently not allowed to send me a mortgage statement but state they have a lien on the property? I have continued to make payments on this loan but would like to refinance it so that I can begin to rebuild my credit and take advantage of the lower interest rates. 
The bank that I am working with has already approved a loan for refinancing. They have been trying to assist me in obtaining this last piece of information which is required in order to make the refinance file complete. Both the bank and I have called Seterus numerous times and each time they say the document was requested and no request can be expedited so each subsequent request will take up to 7 days. We have been trying to get the VOM since XXXX and it is now XXXX XXXX, 2015 and still no document has been faxed or mailed and we have been told they do not email documents. I am not sure what is happening but at this point Seterus is either intentially not providing this information or they are truly grossly incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out multiple disputes with all the proper documentation XXXX XXXX XXXX and they still won't do and proper investigation. But still remain the fraudulent account and inquiries on my credit report. Now I'm demanding proof of their full investigation with all the supporting documents showing that all information is correct or else removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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.

TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked XXXX   where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts.
Product: Debt collection

Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2014 Balance : {$3200.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

I went to XXXX from XXXX. It has been almost 20 years ago. I was a XXXX XXXX XXXX in XXXX. I applied for a loan cancellation/deferment in XXXX on multiple occasions with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I was lied to about the requirement to cancel the loan as a XXXX. For years I called to ask about the cancellation process for full-time nurses and I was told that there was no such program or I was not qualified for various reasons that were not true. The original loan was {$5000.00} but now {$8000.00} even after XXXX XXXX XXXX XXXX XXXX XXXX for 18 years. No matter how much I sent and how many time I worked full-time. The loan doubled and tripled in cost. 

The final straw with this school is that the loan should have been on deferment due to unemployment this year from XX/XX/XXXX. Every time I sent paperwork to show that I was on unemployment, they found a problem with my application to deny it. I was given a due date to resubmit the paperwork for this loan ( XXXX ). I did all diligence to resubmit the form base on their request. Imagine my surprise when I saw that they sent me a collection before the due date has expired. I have been given the run around since XXXX by this company. Today 's date is XXXX why did I get sent to collections when I am trying to submit proof to them.
Product: Credit card

XXXX XXXX, I dispute a series of charges made with chase credit card with online merchange premier cru. The merchant has failed to deliver the " pre-arrival '' wine that were ordered years ago, I have expressed concern to the card card specialist that they should block all transactions linked to this merchant since it appear that they might running a " fraud '' company or ponzi scheme. XXXX XXXX, I submit my detailed claim for all my chase credit cards. The merchant premier cru has since filed for bankruptcy and which means that they will not be able to deliver all out-standing merchanise. 
Chase issued provisional credit, which they subsequently reverse, citing reasons i ) that they have contacted the merchant and they did refuse to issue a credit Upon investigating and calling in, I found that they called the " wrong merchant '', another shop of the similar name and claim that they have done their due diligence. Next, they send me a report of another consumer 's credit dispute which is completely un-related to the case. It an act of gross negligence and breach of confidential information. 
They continue to cite that the charge is valid, due to the date of the charge, and the merchant is n't under obligation to provide credit to the account. This is not true when as of the time of dispute XXXX XXXX, bulk of the charges are within 540 days chargeback limit. When I call in again, saying that the " XXXX '' case is under FBI investigation, and it is most likely a fraud and hence qualify for protection, the specialist stated that nothing is certain till the investigation is finalized On XXXX XXXX XXXX, XXXX XXXX, the owner of XXXX, once a leading wine merchant, was escorted into an XXXX, XXXX, courtroom by federal marshals last week, shackled hand and foot. In a low voice, XXXX, XXXX, pleaded guilty to a single count of wire fraud in connection with a massive Ponzi scheme he operated at XXXX XXXX, the XXXX XXXX he cofounded with warehouse manager XXXX XXXX in XXXX. 

Given this new evidence, I hope chase credit card will handle the case diligently, given that the consumer look toward to the card credit|agency to detect such fraud and at the same time, there has been repeated warnings.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

In an attempt to fix up some errors on my credit report, I have asked on several different occasions that the credit bureau 's verify that the information from a XXXX XXXX account that had been sold to Portfolio was reporting correctly. first letter dated XX/XX/XXXX it came back " verified '' from the credit bureau 's. I asked again, letter dated XX/XX/XXXX, the last one i sent on XX/XX/XXXX using the CFPB dispute letter. Each time, the credit bureau 's came back " verified '' or information " updated '' and the accounts are still reporting incorrectly according to what I can see and they have failed to respond to the CFPB letter within 30 days. None of the information that is outlined and requested on that letter had been submitted by Portfolio.
Product: Debt collection

I have been in the process of building my credit and received a notice from  XXXX   XXXX  that my credit scored changed. When I logged on it had dropped significantly! When I reviewed why ... .there are  XXXX  debt collections on there that are from  2013 . I do n't recall ever receiving a letter to settle and I do believe it 's from a previous bankruptcy charge off - it 's been well over  four  years.     Not sure how I can get this off my credit so that I can continue to rebuild it. Any help / information would be greatly appreciated.
Product: Checking or savings account

Closed a savings account on XX/XX/XXXX. The representative who closed the account told me a check would be overnighted. I've contacted them numerous times and spoke to many diff departments but they have not responded. The reps I spoke with do not know when the check would be issued nor when I would receive it. This is an unethical business practice in an effort to keep my money longer. They also stated I would not receive interest for the month of XX/XX/XXXX.