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

Subject : Credit Reporting Agencies XXXX, Transunion, XXXX for Violation of Consumer Rights Dear Sir/Madam, I am writing to file a complaint against Credit Reporting Agencies XXXX XXXX Transunion, and XXXX for their violation of my consumer rights regarding the reporting of my non-public personal information, despite my explicit request to opt-out. 

On XXXX XXXX, I exercised my right to opt-out from the reporting of my non-public personal information by sending in writing a notice to XXXX XXXX XXXX XXXX XXXX attached for reference ). This action was taken in accordance with the provisions outlined in applicable consumer protection regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ). 

Despite my explicit request to opt-out, I have recently discovered that Credit Reporting XXXX XXXX Transunion, XXXX continue to furnish information related to my account with XXXX XXXX XXXX XXXX on my credit report, including non-public personal information that I specifically opted out from being reported. This persistent reporting of non-public personal information by Credit Reporting XXXX, Transunion, and XXXX is a clear violation of my consumer rights and undermines the integrity of my credit profile. 

I want to emphasize that my decision to opt-out from the reporting of non-public personal information is a fundamental right afforded to consumers under consumer protection laws. By disregarding my explicit request, Credit Reporting XXXX, Transunion, and XXXX have not only violated my consumer rights but have also compromised my privacy and financial security. 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Credit Reporting XXXX, Transunion, and XXXX cease the unauthorized reporting of my non-public personal information on my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and work towards a swift resolution of this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

RE : Checking Account ending in XXXX My checking account is with Huntington National Bank and my Mortgage Loan is with XXXX XXXX XXXX. My monthly mortgage payments ( {$820.00} per month ) are set up to be automatically drafted from my Huntington checking account. Huntington bank returned my XXXX XXXX payment in error. After a lengthy research process by both banks, Huntington admitted making a mistake. My XXXX XXXX mortgage payment has also been returned for no reason. These late mortgage payments are ruining my credit and costing me money ; XXXX XXXX bank assesses a late fee of {$21.00} for each transaction. When I called XXXX XXXX bank to make payment, they charge a {$15.00} fee for each payment over the phone. Huntington bank has reversed the XXXX XXXX payment of {$820.00} but is yet to reverse the XXXX payment. All these transactions were properly posted to my checking account.
Product: Debt collection

On XX/XX/2021 this collection account in the amount of XXXX appeared on my credit reports. Commonwealth financial is the collection agency. The address on file is XXXX XXXX XXXX XXXX XXXX, PAXXXX Phone number listed is ( XXXX ) XXXX I immediately called and asked about the debt requested verification of the debt and gave my updated information. They told me two weeks to get the letter. No letter arrived. So I sent a certified debt validation letter to the above address on XX/XX/XXXX. The letter was received on XX/XX/XXXX and I have the confirmation of delivery. 

It is now XX/XX/2021 and I have received nothing requested. I disputed this account with the credit bureaus also. And commonwealth responded to them. Not me.

One, this debt is not mine. Id know if I visited any emergency room and I have not. I want to see my signature on a document dated stating I owe the debt to the original hospital or drs office.. I want a detailed list of services supposedly rendered and I want to know why I was not contacted in any capacity prior to this going on my credit report. So I could report it for what it clearly is. Identity theft.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with [ XXXX XXXX XXXX ] Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX XXXX XXXX  ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX XXXX ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected.

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my credit score and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and [ XXXXXXXX XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXXXX/XX/XXXX SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DELETE ASAP The following addresses are not mines ; XXXXXXXX XXXX XXXX XXXX XXXX tx XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX tx XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, tx XXXX. XXXX XXXX XXXX XXXX XXXX XXXX tx the following Employers are not correct ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX the following inquiries were not authorized please delete ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX TRANSUNION 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 Code 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 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! 


XXXX5 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Debt collection

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Account # XXXX To Whom It May Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 
To clarify this matter, please provide the following : 1. 2. 3. 4. 5. Creditor Information : The name and address of both the original creditor and the current creditor.

Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt. 
Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. 
Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ). 
Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers. 
Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records. 
Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report. 
Permissible Purpose of this claim. 
Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt. 
Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint as response to the most recent investigation conducted by the Credit Bureaus. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. Under th FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. If the Credit Bureuas do not comply with the request to correct the disputed accounts, I would highly appreciate it if the disputed items will be removed immediately : XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

On XX/XX/XXXX, we received a loan modification offer from XXXX XXXX XXXX which would be activated by our payment of {$780.00} on or before XX/XX/XXXX. On XX/XX/XXXX Selene Finance acquired our loan and I waited to make the first payment until the paperwork had been processed by Selene. I have attempted to contact Selene multiple times with either no response, or no response that addressed the issue of the loan modification offer from XXXX. When I was able to get through on the phone lines, I spoke with agents who were unable to assist me. On XX/XX/XXXX, XXXX ( agent XXXX ) told me I needed to send Selene a copy of the loan modification agreement so that we could get this resolved before the first payment due date of XX/XX/XXXX and to not make a payment to XXXX. I followed up the next week and was told the information had still not been entered into the system. After that, I asked to speak with a supervisor when I called, and I was told they did not have the information necessary to work with me. One agent referred to the Selene website as their website, so I am not even certain I was speaking with Selene agents. No agent acknowledged receipt of paperwork from XXXX regarding the loan modification or receipt of the paperwork I sent requesting the same from Selene. I never received any response from any of the emails I sent, which included the prior paperwork and a loan modification request to Selene, which I was told I needed to complete to pause foreclosure. 

At the time of loan transfer, the balance on the loan was {$120000.00} ( XXXX ). Selene stated the balance was {$130000.00}, a {$10000.00} increase. ( XXXX ) In addition, Selene charged late fees and a home inspection fee prior to even contacting us about the loan modification. While I understand this is a terribly busy time, whomever is following up on foreclosures seems to be right on track. We would like to note that the letter of foreclosure had a registered mail stub on the envelope that was in the mailbox although no one living in the home signed for it. This could be perceived as an attempt to falsify confirmation of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Opened XX/XX/XXXX {$260.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$390.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$1800.00} collection bureau of a 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

ALLY FINCL partial account number XXXX - is reporting incorrectly to XXXX a late payment in XXXX. ( Please see page 3 of the attached credit report. ) The company offered an extension but failed to input the extension correctly into their system and consequently this resulted in a late payment being reflected on my credit report. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter, a affidavit I filled out and got notarized, a copy of my identify theft report from XXXX, and my drivers license along with my social security card to the Equifax consumer disputes department about the inaccurate and unknown things reported on my credit file. In addition to this I sent a follow up letter and called them on XX/XX/2021 60 days later hoping I would get a response or my items disputed. Til this day over 90 days later I have not received a response or reason other than to submit a dispute letter which I already did twice at this point. I feel like Im being taken advantage of and being ignored my disputes. Section 611 A plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove these items from my credit report. It has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress youve caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit card

On XX/XX/2016 I booked a 2 night stay at XXXX in XXXX, FL for XXXX. At the time of booking I was advised the resort would charge a deposit of {$240.00}. When I received my statement for my Citi XXXX I was charged the {$240.00} twice by the resort as XXXX separate transactions. I pointed this out to the resort management at check in and was advised it would be taken care of. It was not. I have receipts from the resort supporting this. I protested the charges with Citi. They will not reverse the charges and have sided with the resort even though my card statement reflects I was charged {$240.00} twice as two separate transactions and the resort receipt only reflects a deposit of {$240.00} was applied.
Product: Mortgage

I would like to lodge a complaint about Fay Servicing ( https : //fayservicing.com/ ), which was the mortgage servicing provider on my home mortgage. Fay sold my mortgage to XXXX XXXX and as of XX/XX/XXXX, XXXX took over my mortgage. I was current on my mortgage loan at the time and had no outstanding payments to make as of XX/XX/XXXX. However, on XX/XX/XXXX, after XXXX owned my mortgage, Fay withdrew a {$6000.00} mortgage payment from my XXXX checking account for the month of XX/XX/XXXX. Fay did not provide this payment amount to XXXX XXXX  because XXXX contacted me to say my payment for XX/XX/XXXX was overdue. So I then had to pay XXXX XXXX XXXX XXXX for the month of XX/XX/XXXX, meaning I made two mortgage payments for XX/XX/XXXX to two different companies. I immediately contacted Fay Servicing to ask them to return the XXXX XXXX they unlawfully withdrew from my XXXX account on XX/XX/XXXX, after they had already sold my mortgage, but Fay has not responded to me ( it has been over a week since I emailed them ). Fay has has not returned my money, and they have not sent the money to XXXX XXXX This is totally unacceptable and I would greatly appreciate help from CFPB. Fay Servicing basically stole XXXX XXXX from me, and I can not afford to make two mortgage payments in one month. Thank you very much.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Westlake Financial Services for closing my previous complaint and marking it as a duplicate. I had previously submitted a complaint to the CFPB regarding a violation of my Truth in Lending rights by Westlake Financial Services. 

I was informed by the CFPB that my complaint was closed and marked as a duplicate, without any resolution or explanation. This is unacceptable and has left me feeling frustrated and disheartened. 

I believe that my complaint was not a duplicate and that it contained unique information and details regarding my experience with Westlake Financial Services. I strongly believe that my complaint should have been fully investigated and not closed without proper resolution. 

I request that the CFPB re-opens my complaint and investigates it thoroughly. I would also like to receive an explanation as to why my complaint was closed and marked as a duplicate without proper resolution. 

Thank you for your time and attention to this matter. 

Here 's more information on previous complaint : I entered into a loan agreement with this company and was informed that there was no cooling off period, also known as a right of rescission. 

According to the Truth in Lending Act ( TILA ), creditors are required to disclose the right of rescission to borrowers in certain types of consumer credit transactions, such as loans for a primary residence. The right of rescission allows borrowers to cancel a loan without penalty within a certain period of time after the loan is consummated. 

I believe that Westlake Financial Services violated TILA by failing to disclose my right of rescission to me. As a result, I was not able to make an informed decision about the loan and XXXX have suffered financial harm. 

I request that the CFPB investigates this matter and takes appropriate action against Westlake Financial Services to ensure that they comply with TILA and do not violate the rights of other consumers in the future. I also request any possible compensation for the harm caused by this violation. 

Thank you for your time and attention to this matter. 

I have attached the agreement clearly stating " no cooling off period ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint shall be considered a follow-up to my filing of complaints dated XXXX XXXX, 2023, to dispute these erroneous items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1400.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Fraudulent credit inquiry from XXXX XXXX XXXX XXXX Transunion has not removed the inquiry after more than XXXX  days.
Product: Credit card

Explanation on why Citi Credit Card company credit limit was decrease from XXXX to XXXX. I called to speak to someone but was told there was no one to help me with this matter. We had agreement from the beginning. I applied for another credit card and was approved for XXXX this tells me something's not right or they have inaccurate information that I need to know so that I can get ahold of the credit bureaus.
Product: Debt collection

I received a call didnt recognize the number so I contacted the number back. I verified my name and phone but the representative REFUSED to tell me why they were calling wanted me to verify my social and date of birth or address told her I was comfortable verifying that information until I knew why they were calling she said she just needed to me verify my address. I verified but she then said she had to have my social and date of birth told her I didnt want to verify that information until I knew why they were calling she again refused. I told her to contact my attorney she said she couldnt take that information that she would ha XXXX to call my back. Her name was XXXX XXXX.
Product: Payday loan, title loan, or personal loan

On XXXX I fell XXXX XXXX XXXX XXXX. I experienced life threatening complications following the XXXX, which caused me to take a leave of absence from work. 

This loss of income has left me with only my Social Security income. 

I wrote to Upstart.com on XXXX ( after I got out of the hospital ) requesting a loan modification plan. They denied me, because I haven't been with them that long. I took out the debt consolidation loan in XX/XX/2021. 

I want to pay my bills. 

I just need to be able to eat and afford my medical treatments too. Any assistance you can offer will be greatly appreciated.