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

Upon reviewing my Consumer credit report, I noticed that your agency has violated multiple regulations, entitling me to monetary compensation under FCRA 15 U.S. Code 1681s2 and 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Specifically, your agency furnished reports in connection with credit or insurance transactions that I did not initiate ( inquiries ).

According to the law, a consumer reporting agency may only provide a consumer report for credit or insurance transactions not initiated by the consumer if : ( A ) The consumer authorizes the agency to provide the report, or ( B ) ( i ) The transaction involves a firm offer of credit or insurance.

Furthermore, except as provided in section 1681g ( a ) ( 5 ), a consumer reporting agency can not furnish records of inquiries related to such transactions that the consumer did not initiate. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if a person obtains a consumer report under false pretenses or knowingly without a permissible purpose, they are liable for actual damages suffered by the consumer or {$1000.00}, whichever is greater. Additionally, punitive damages may be awarded by the court.

I did not authorize any of these inquiries. If you believe otherwise, please provide copies of my written consent. The items listed below should be removed from my consumer report under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Credit reporting or other personal consumer reports

I am submitting this complaint because two debt collection agencies, WAYPOINT RESOURCE GROUP LLC at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, MN XXXX are reporting the same alleged debt on my credit report. This is causing undue harm to my credit score and financial reputation. I have no contract, agreement, or business relationship with either agency, and neither agency has provided lawful validation of this debt despite my requests. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I have the right to request validation of any alleged debt, and both agencies are legally obligated to cease collection activities, including reporting to credit bureaus, until they provide sufficient proof of the debt. Despite these requirements, both agencies continue to report this debt without validation. Additionally, this duplicate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers of information, such as debt collectors, must ensure the accuracy of the information they report. The failure to verify or correct duplicate reporting constitutes an actionable violation of federal law. Furthermore, under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), inaccurate or misleading reporting that harms a consumers credit standing is a concrete injury. Both agencies actions have directly caused harm to my credit reputation, subjected me to potential denials of credit, and created unnecessary stress. " Congress plainly sought to curb the dissemination of false information by adopting procedures designed to decrease that risk. [ A ] n intangible harm, such as the risk of dissemination of inaccurate information, can satisfy the requirement of concreteness under Article III. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). " The mere presence of an inaccuracy in an internal credit file, if it is not disclosed to a third party, does not amount to a concrete harm. However, the risk of dissemination of inaccurate information and actual disclosure can result in reputational harm that is cognizable. '' XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ).
Product: Debt collection

After my debt to company was paid company attempted 2 times to collect debt out of checking account causing overdraft charges.
Product: Mortgage

I am very concerned with this mortgage company. The first loan was paid in full and even lien's were paid. One reporting agency is stating that the loan is closed and the other is stating that it is not. I went through a Deed in Lieu procedure and even closed on the property at the bank,  XXXX . Please have the reporting agencies remove all late dates and times from their reports.  XXXX  and  XXXX . Furthermore, please have Nation Star report this correct closing and no late payments to my report. That is the fair resolution.


NATIONSTAR MORTGAGE LLC # XXXX 
  XXXX   XXXX   XXXX   XXXX    XXXX , TX  XXXX   (   XXXX  )   XXXX   
Date Opened:  XX/XX/XXXX  Re sponsibility: Individual Account
Account Type: Mortgage Account
Loan Typ e: CONVENTIONAL REAL ESTATE MTG Da te Updated:   XX/XX/XXXX  
Payment Received: $ XXXX 
Last Payment Ma de:  XX/XX/XXXX  P ay Status: >Account  120  Days Past
Due Date<
Terms:  XXXX  per month, paid
Monthly for  360 m onths
>Maximum Delinquency of 120 days in  XX/XX/XXXX  f or   XXXX   and in   XX/XX/XXXX  fo r  XX/XX/XXXX <
High Balance: High balance of   XXXX    from   XX/XX/XXXX  to  XX/XX/XXXX ;      XXXX   from    XX/XX/XXXX   to  XX/XX/XXXX   Estimated month and year that this item will be removed:   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I requested twice that XXXX XXXX delete the incorrect address. I was told it would reflect on next reporting. 
As of today, they only updated and did not delete.
Product: Debt collection

Chase credit card. When we are late paying which a lot but we always pay, they call the house phone and my cell phone. They are relentless. We always pay. I know if we paid on time we would not have this problem but given that we always pay. It's outright harassment.
Product: Mortgage

Formal written complaint : We have not received our scheduled periodic mortgage statement form the mortgage Servicer since XXXX XXXX. Change went into effect in XX/XX/XXXX across to entire organization that NO STATE Monthly Mortgage Statements would be sent to anyone where Specialized Loan Servicing was the servicer on any junior lien position. 
Called on XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and XXXX-There were other calls from my Wife on this account and we are deeply concerned. 
Have still not provided the requested payoff statement nor are they sending us our monthly schedule periodic payment statements. Their address on their prior statements does not match the P.O. BOX address they gave us over the phone to send payments. 
Show they are 4th in lien and thats why they are not sending mortgage statements. 
Spoke to XXXX XXXX- Company Policy. 
XXXX-Escalations This is the response I get when I try and to download the payoff quote. To date they have not sent me any payoff statement or scheduled periodic payments. XXXX stated they did not send mortgage statements any longer for loans in 4th position. 
This loan is in second positon as I explained to XXXX and told him that I had refinanced about a year ago and even paid the subordination fee to Specialized Loan Servicing. To date no scheduled periodic payment statements, no payoff, and the complete run around. XXXX the Supervisor stated that the company had changed its billing center from Georgia and they should have sent us notices about that.

After hours of efforts we are no closer to getting resolution.

Solution : Investigate Specialized Loan Servicing and bring an action for failing to send scheduled periodic payments. Compel them to fix their payoff request process, have them retract and reimburse all late fees for the period of time they have been gaming borrowers such as me and my Wife.

Have them recalculate my loan from its inception and credit all overpaid  interest and fees. The payoff shows the per diem interest rate to be 4.3496 % which no way reflects the 10.5 % actual interest rate. 

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

There is a bankruptcy and multiple negative accounts that appear on my credit file. The bankruptcy courts confirmed to me that they do not validate or verify any bankruptcies or information related to bankruptcies to any credit bureaus. This appearing on my profile is also a result of identity theft. I asked the CRA to remove this information and they said they verified it with the courts. How is that possible if the courts don't verify bankruptcies? This means the CRA is lying and this information is unverifiable and by law must be deleted. I am having trouble obtaining housing and employment due to the damages on my report and my reputation. There are also multiple negative accounts that need to be removed. The CRA is also violating multiple FCRA laws such as follows -15 USC 1681 is a section of the United States Code that outlines the rules for consumer reporting agencies. Specifically, it states that 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. 

If, 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.

-Rule 9037 of the Federal Rules of Bankruptcy Procedure is a privacy protection rule -15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
- ( a ) Block Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX  XXXX. XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. Please repair these accounts ASAP.
Product: Debt collection

I HAVE BEEN RECEIVING CALLS EVERY DAY SINCE XX/XX/2018, I REQUESTED THE ON EVERY CALL TO CEASED AND DECEASED PHON CALLS ACCORDINLY TO THE RIGHTS BY FDCPA. PREVIUSLY I REQUEST THEM TO STOP THE CALLS AS WELL.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XXXX case number of previous complaint with CFPB. 

I am attaching a document that verifies the Power of Attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX CXX/XX/XXXX Account Number XXXX XX/XX/XXXXAccount Number XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX CT XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXXXX/XX/XXXXXXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XX/XX/XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, FL XXXX MULTIFAMILY XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX DE XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, FL XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. MY PURSE WAS STOLEN AND MY ID WAS ALSO STOLEN. I AM BEING FURTHER VICTIMIZED BY THIS BEING INACCURATELY REPORTED ON MY CREDIT PROFILE.
Product: Mortgage

COMPANY 'S INTERIM RESPONSE Additional time needed Company responded STATUS Company responded on XX/XX/2018 RESPONSE TYPE Closed with explanation Company 's Response We Are Here to Help You If you need assistance, contact us immediately at : XXXX It is critical that you work with us on a resolution for any issues that affect your ability to make timely mortgage payments, whether your challenges are temporary or long term. The sooner you respond, the more quickly we can determine whether you qualify for assistance. Options May Be Available The right option for you depends on your individual circumstances. If you provide all required information and documentation about your situation, we can determine if you qualify for temporary or long-term relief, including solutions that may allow you to stay in your home ( refinance, repayment, forbearance, loan modification ) or leave your home while avoiding foreclosure ( short sale or deed-in-lieu of foreclosure ). For more details, please see the attachment on Avoiding Foreclosure. Send Us the Information We Need to Help You Requesting help is the first step. Start by providing information and documentation to help us understand the challenges you are facing. To do this, follow the detailed instructions on the attached Homeowner Checklist to complete and submit your Borrower Response Package to us. Once we have received and evaluated your information, we will contact you regarding your options and next steps. Learn More and Act Now For more information, please see the Frequently Asked Questions and other information provided with this letter. If you need assistance, contact our customer support team at XXXX. Sincerely, Loss Mitigation Statebridge Company, LLC NMLS ID # XXXX this is what has happened. They sent application.
Product: Credit card

this was an obvious scam and the bank refused to help at all the charges were about {$450.00}. 

I went to XXXX XXXX XXXX  on XX/XX/XXXX for a XXXXXXXX XXXX XXXX XXXX XXXX in my dogs XXXX XXXX ( this is considered normal evenup to XXXXXXXX XXXX XXXX XXXX ) ( XXXX is mydogs name she is a XXXX  ) the vet, XXXX XXXX suggested that I change my dogs diet to the XXXX XXXX. on XX/XX/XXXX she also introduces a new care plan that she did not introduce in office on XX/XX/XXXX. Which is to also take my dog off of XXXX  then to recheck values after she is off of all of her XXXX  after XXXX weeks.So because my dog had already received XXXX  and we were not told in the office onto keep her off of XXXX  on XXXX XXXX we proceeded to give her monthly dose when she came back from the vet on XX/XX/XXXX. Approximately XXXX weeks later we returned to the vet as per her care plan which was to wait for the XXXX  to come out of her system XXXX weeks + the XXXX of free and clear of XXXX  = XXXX weeks. We returned on XX/XX/XXXX which was just about XXXX weeks due to the vets availability. 
After I switched my dogs diet to the XXXX XXXX, her XXXX XXXX  levels and XXXX ( XXXX, XXXX ) levels quadrupled by XX/XX/XXXX. XXXX  was at XXXX on XX/XX/XXXX and she had no XXXX issues on XX/XX/XXXX and her XXXX levels on XX/XX/XXXX were at XXXX. Her XXXX and XXXX levels were normal essentially and after switching the diet to the food ( XXXX XXXX ) that the doctor prescribed which was " over the counter XXXX XXXX '' these levels skyrocketed XXXX to XXXX above the regular levels. 
I asked the vet why this happened. She then started to create and falsify medical records that said she had requested to have the dog follow up in XXXX weeks and that I am refusing medical treatment which is absolutely untrue. Over the phone she mentioned she had made a mistake and did not read the ingredients on XXXX XXXX  I have also attached her XXXX  with dates where it is clearly indicated that her levels have increasedThe suggested diet change consisted of 62 % fat which could lead dogs to XXXX. 
Essentially the vet prescribed the wrong diet to my dog which left untreated would have caused XXXX  I disputed a charge by the vet for my pet dog who claimed my dog needed XXXX  XXXX  and the dog did not. that is how it started however, she then asked me to come back again for more XXXX XXXX  after a change in diet which was not necessary I confirmed this with another vet. once i changed my pets diet she actually doubled my pets XXXX XXXX numbers and when I checked the new food she gave to my dog it was 80 % fat!!!! I called chase to dispute the charges and gave chase everything they asked for even a note from another vet saying she should not have given the dog an 80 % fat diet and they STILL would not charge back the vet. I have also attached an email with another vets opinion
Product: Mortgage

My name is XXXX XXXX, the Mortgage account holder ( Loan # : XXXX ), with XXXX XXXX Mortgage. XXXX XXXX was formally named NationStar Mortgage until a recent name change, therefore all events initiated under the company name NationStar Mortgage which is now officially named XXXX XXXX Mortgage. I am writing in regards to an Investigation for POSTED UNAPPLIED MORTGAGE PAYMENTS, POSTED INTEREST PAYMENT REVERSAL AND PRICIPAL PAYMENT REVERSAL. Upon reviewing our mortgage payment history with XXXX XXXX Mortgage, I noticed several Posted Unapplied Mortgage Payments dating all the way back to XXXX. 
By Law, there should have been a Suspense Account set up for my Mortgage Account held with XXXX XXXX Mortgage and the Unapplied Mortgage Payments should have been deposited into the XXXX XXXX Suspense Account. 
I am asking a Resolution of the following : Unapplied Mortgage Payments, Interest Payment Reversals, FEES, AND Principle Payment Reversals to be either applied to our Applied as Future Mortgage Payments in the AMOUNT OF {$11000.00} or CASH IN THE FORM OF A CERTIFIED DISBURSEMENT CHECK FOR {$11000.00} :
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the most recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed, XXXX that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company.

This has caused me defamation of character, severe hardships, P
ain, Emotional Anguish, Emotional distress, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 



The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and Equifax must remove these inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX XXXX Regarding a Charge off on my credit report and ask to pay the balance owed to update my report but they denied me an opportunity to pay because they charged off the account and sent me a 1099.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information in my file : XXXX XXXX  XXXX Account Number : XXXX - inaccurate address I am formally requesting the removal of this item from my credit report. 

Please conduct a thorough investigation into this matter and promptly delete the inaccuracy. 

Sincerely, XXXX XXXX
Product: Debt collection

This company continues to contact me at work after I have indicated that I should not be contacted at work. 

I requested all contact be in writing but they continue to call. 

At first it was a male calling me and I informed him I would contact the doctor 's office and he told me people like me was causing this doctor to almost have to close his doors because we refuse to pay our bills. Again I told him I would call the doctor and he said the doctor 's office did not want to talk to me. This is ridiculous considering I do n't owe this company anything.
Product: Credit card

I was shopping while on vacation at the Shops of the XXXX in XXXX XXXX, Louisiana on XX/XX/year>. The transactions made on this day were meant for souvenirs for family, and seeing as how I wanted to buy several I had a budget of not going over {$20.00} per souvenir. While shopping in this market, I bought a shirt that should not have been more than {$15.00} from one of the vendors, but as I was not handed a receipt I believe I was intentionally overcharged without my knowledge or authorization by XXXX XXXXXXXX XXXX. When reviewing my billing statement I noticed that I had been severely overcharged ( over {$400.00} ) and immediately filed a dispute with Chase. After hearing back from them after having my case closed, I called again to inquire about the dispute and even faxed a letter explaining my situation in greater detail and attempting to re-open another dispute. On XX/XX/year> I contacted Chase via phone again to inquire about why I was responsible for the overcharge after Chase had reviewed my letter. After trying to get more information about the investigation from the representative, the Chase representative was extremely rude and kept interrupting me to state that I needed a receipt- even after informing her that I did not have one. When I inquired if Chase had any information on the merchant so that I could contact them, or if they had attempted to, the representative told me no and did not provide me with any other information or avenues to assist me. As of today, I have not been able to find a website or business number for the merchant.
Product: Credit reporting or other personal consumer reports

Credit score dipped from exceptional to very good with nothing showing that hurt my credit or anything new that I deserved a drop in credit score