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

To whom it may concern, I am writing to formally request the suppression of my personal information from your databases. Due to concerns regarding privacy and the security of my personal data, I would like to exercise my right to control the dissemination of my information. 

Please ensure that my personal data is not shared or sold to any third parties. I request that you confirm the suppression of my data in writing within 30 days of receipt of this letter. Below are my details for your reference : Should you require any further information to process my request, please feel free to contact me directly. I appreciate your prompt attention to this matter and look forward to your confirmation that my personal data will no longer be processed or shared. 

Thank you for respecting my privacy and assisting in the protection of my personal information.
Product: Student loan

This is in followup to a prior complaint ( XXXX, submitted XX/XX/XXXX ). 

I originally submitted by employment verification and PSLF paperwork to MOHELA on XX/XX/XXXX ( over 1 year ago ). 

Through what has been explained to me as multiple oversights and failures by MOHELA - MOHELA has still not provided an accurate student loan payment count meeting PSLF criteria. 

I have made no errors in this process, there is no paperwork pending, there is no outstanding verification needed. This problem ( even as explained to me by the over 20 hours of phone calls I have made to MOHELA in the past 12 months ) is entirely based on MOHELA 's inability to meet the requirements of this federal program. I have already filed the prior CFPB complaint in XX/XX/XXXX- my student loan counts are still not updated. 

I don't know what else to do. MOHELA is not taking this seriously and is 12 months late on their responsibilities to both myself and the US Federal Gov. Can we escalate this further? Is there an oversight agency that this can be reported to? 

My demand is simple - process and count my on time payments immediately ( MOHELA has already had 12 months ). 

Would contacting my attorney general or congressional representative be more effective? MOHELA appears to be in breach of contract with the federal government in providing these services for student loan borrowers. I would like this investigated and followed up prior to the resumption of loan payments- again its already been 12 months.
Product: Credit reporting

Today XXXX/XXXX/XXXX Equifax changed XXXX XXXX from status in bankruptcy to open collection unpaid with amount due. I called XXXX XXXX twice today. I called Equifax once today. XXXX XXXX assures me in their system it says in bankruptcy and says Equifax did this. Equifax says they did not. Someone did and it is not me. The balance should be XXXX like all my other creditors that were on my credit whom are now gone. XXXX is the only one whom does n't have to follow the laws? How can you drop a score for an item that was already on there because either Equifax or XXXX wants to play games with me? Equifax tried to tell me on the phone this was not part of bankruptcy. Yes it is. Attached you will find the mailing of the bankruptcy court showing XXXX on the list. Look at this case. Even though mine is Chapter XXXX the Stay still applies! 
XXXX XXXX Vs XXXX XXXX XXXX XXXX District NC ( my district ). 
" Finding that reporting delinquencies during the pendency of bankruptcy is not misleading so long as the creditor reports that the account was discharged through bankruptcy and the outstanding balance is XXXX '' XXXX v. XXXX XXXX. XXXX, XXXX, Case No. XXXX XXXX XXXX XXXX. XX/XX/XXXX ) the status quo between the parties was frozen by operation of the automatic stay. Id. ( citing XXXX v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ). 
All other creditors followed the law. The status should be in bankruptcy as it was and amount XXXX. This change from out of bankruptcy to collection dropped my score XXXX points and it needs to be corrected. 
Please find attached the bankruptcy mailing showing XXXX XXXX has notice of this bankruptcy. I am really tired of Equifax playing with my credit score when it is clear it is not my fault.Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went on-line to get my free yearly credit report and was startled to see old information still being listed on my report even after contacting the various credit bureaus as far back as XX/XX/XXXX-XX/XX/XXXX. Specifically 2 revolving credit company 's I had a long relationship with : # 1 ) XXXX- opened in XX/XX/XXXX ( had an issue with an on-line bill pay, that was corrected and they sent me an official letter of explanation ( that also should have notified the credit bureau 's ) the amount in question is {$36.00} and to this day is still showing up adversely. 
# 2 ) XXXX-XXXX XXXX- Opened in XX/XX/XXXX this account was shared by my then ex-wife ( whom we were divorced in XX/XX/XXXX ) and when the divorce took place in XX/XX/XXXX she immediately ran the credit account to the max, however, I  negotiated with the account representatives on a payment plan to pay it off. Even though it was done without my consent/unauthorized. I should not have negative reporting still occurring on this file when it was closed in XX/XX/XXXX. 
# 3 ) I recently did a VA cash out on my mortgage with XXXX XXXX and subsequently was approved by XXXX, for a new Mtg. There are 3 Hard credit inquiries all related to this transaction 2 in XX/XX/XXXX and 3 in XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX, all  negatively impacting my credit. This also, happened when we were looking to purchase a car at a " Tent '' sale and about 10-15 harh pulls were made to our credit all trying to get approved financing. The consumer should not be penalized for these types of actitvities when they're all related as I understand the Law.
Product: Checking or savings account

I Am A Wells Fargo Customer I am a victim of fraud, Theres Were {$2000.00} taken out of my account in New Jersey while I was In XXXX and I made a claim seeking help and they ended their investigation and I lost {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD time disputing the following accounts : -AFNI, INC. # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
Product: Credit reporting

i wanted to see what my score was I thought it came with the annual report and it did n't. I should not have to pay to get score from annual report
Product: Credit reporting or other personal consumer reports

This complaint is to follow up any response from you after the 30 days of investigation. As I revived my Credit file I have noticed that the account still is reporting as inaccurate and incomplete in information. I am once again request for another investigation to the account and send me the notification that the disputed account have been updated : XXXX : XXXX XXXX XXXX Balance Owed : {$260000.00} The presence of late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected.=======TransUnion : XXXX XXXX XXXX XXXX XXXX : {$260000.00} The presence of late payment history on this account is completely unfounded, as I strongly believe that I made all payments on time. I demand an immediate update to rectify this erroneous late payment record associated with the account. Your prompt attention to this matter is expected.
Product: Mortgage

I have a home equity line of credit with Citibank that has principal and interest in the monthly payment. This account is current. Last month, there was a system error showing an overstated principal amount. I contacted Citibank on XXXX XXXX, XXXX regarding this matter and spoke with a supervisor, XXXX, who agreed there was an error and told me it would be resolved the next day. 
I called two days later and the error was corrected but upon checking one week later, the error was back in the system. I then spoke to a manager, XXXX, ID XXXX, on XXXX XXXX, XXXX, who said they were still working on the issue. I was told the issue would self correct in the following month. 
This is not an acceptable business practice. The error was then corrected in the system when I checked on XXXX XXXX. 
On XXXX XXXX, XXXX, I checked the system and the principal balance amount is again incorrect. Also, same day, XXXX XXXX, XXXX, I received a notice from Citibank dated XXXX XXXX, XXXX that my account is in default and that there will be a property inspection scheduled that I will be billed for as a delinquency expense. 
My account is current and paid. I am appealing to the CFPB to contact Citibank and have this matter rectified.
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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or list of inquiries 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

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing this account as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested that the information be validated ( requested a copy for the original creditors ) which I never received. 
Under the law of 15 USC 168e ( b ), I was not granted the requested information in writing.
Product: Debt collection

XXXX v. LVNV Funding, LLC XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : The court denied LVNV 's motion to dismiss, allowing the plaintiff 's FDCPA claim to proceed. The plaintiff alleged that LVNV had failed to provide proper debt validation and had attempted to collect a debt without proper documentation. 

NO PROPER DEBT VALIDATION
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions
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. 
Account name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : # XXXX, Account name : XXXX XXXX XXXX XXXX : # XXXX,, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXXXXXX : # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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

My account with those creditor 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 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 reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( 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 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

On the XXXX of XXXX I filed a claim with Bank of America for an unauthorized transaction. While I was at work, I lost my Debit card which resulted in unauthorized charges of {$1600.00} at a mall in XXXX XXXX, TX. I spoke with Bank of America today and they denied my claim, stating that I didn't report the charge in a timely manner. It was 3 days, and in that 3 days I traveled from XXXX to XXXX XXXX for work related emergencies. That {$1600.00} was strictly for my daughters new car and Bank of America won't help me at all. This is extremely hard times and {$1600.00} is a lot for me and my family. I don't know what else to do, please help me. Thank you Claim number with Bank of America XXXX
Product: Bank account or service

Charged another overdraft fee for a XXXX overdrawn balance overnight. Subscribed to overdraft protection through a linked credit card. Overdraft protection was not provided. Was assessed a XXXX XXXX fee for being overdrawn, even with overdraft protection in place. One again, transactions were ordered in order to facilitate an overdraft. 

Completely nonsensical issuance of the fee. Balance was allegedly negative XXXX, but with the overdraft fee, the account was only overdrawn to negative XXXX XXXX, thus indicating that there was a positive balance in the account. This is wholesale fraud and clearly the result of reordered transactions. 

The account was not overdrawn, since a XXXX penalty only resulted in a negative XXXX balance.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against NCB Management Services for Violating Consumer Rights To Whom It May Concern, I am writing to formally file a complaint against NCB Management Services for violating my consumer rights under federal law. The collection agency has failed to provide the required validation information pursuant to 12 CFR 1006.34 ( b ) ( 5 ) but has nevertheless placed a collection account on my consumer report. Additionally, I have not been given an opportunity to dispute the account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

NCB Management Services is engaging in unfair and deceptive practices by using false, misleading, and misrepresentative means to collect a debt. Under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all legally required disclosures before furnishing any information to a consumer reporting agency. Since NCB Management Services has failed to do so, they are in clear violation of federal law. 

I am also informing NCB Management Services that I am disputing owing any and all debts to them. Furthermore, I am revoking all rights for them to communicate with me through email, text, or phone calls. I am formally requesting debt validation and demanding that they provide the purchase agreement between them and the original creditor. Additionally, I am requesting that they furnish proof that they are licensed and bonded. 

I am requesting the CFPB to investigate this matter and take appropriate action against NCB Management Services for their unlawful conduct. Additionally, I demand that NCB Management Services immediately cease reporting this unverified account to the credit bureaus and remove any negative information related to this matter from my consumer report. 

Please provide me with an update on the status of my complaint and any actions taken. I appreciate your prompt attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX  received four commercial mortgages from XXXX XXXX XXXX on XX/XX/XXXX. XXXX mortgage was sold. I am a Member of this XXXX company. XXXX XXXX XXXX loan servicing company was XXXX XXXX. Which service only three of XXXX XXXX XXXX. The other loan servicer was XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX SHELLPOINT became the new loan servicer. They sent out paperwork ; that was completed incorrectly by my assistance XXXX XXXX, with the help of one of SHELLPOINT customers service reps. My assistance filled out the documents incorrectly, by adding my personal social security number to the paperwork. When i reviewed the paperwork submitted. I called SHELLPOINT and told them not to use my personal security number. Only the business EIN was to be used. I fired my assistance. I told SHELLPOINT i am not a co-signer or personally guarantee of this business loan. I contact my attorney right away. My attorney said that the paperwork ; that was completed. Was not for this type of loan. I found out on XX/XX/XXXX ; that SHELLPOINT used my personal security number. They reported to XXXX, XXXX and XXXX mortgages I did not own or jointly sign for.
Product: Debt collection

XXXX XXXX called a phone owned by a family member and provided account information including creditor and balance due without attempting to validate more than a first name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we went through a mortgage modification on the term ONLY with XXXX, same origination date, same loan number. The loan originated in XX/XX/XXXX and was for an original amount of {$340000.00}. The modification documents reflect that the ORIGINAL balance was {$340000.00}. From XX/XX/XXXX to XX/XX/XXXX this is what was reflected on all three credit bureau reports ( Experian/XXXX/XXXX ), an original loan amount of {$340000.00}. As of XX/XX/XXXX XXXX  began reporting an original loan balance of {$260000.00} ( the balance at modification ), effectively making it look like we had paid little or nothing toward the principal of the loan and this is impacting our credit scoring for future refinance or other loans. 
In XX/XX/XXXX, I corresponded with XXXX and they refuse to report the data correctly. 
XXXX XXXX servicer guidelines and Consumer Data Industry Association both address the correct Original balance amount is the beginning loan amount not the new modified " starting balance ''. Our credit reports/scoring mentioned that the high balance/original loan amount impacts the score.
Product: Debt collection

They have inaccurate information stating that I owe them money they call harass and threaten and very rude I requested them to send me original documents that I owe them. 
once I say that they will get very defensive and aggressive. The company has a very bad rep and I have no idea of what accounts they are talking about, or they are old accounts that has closed out or got counted in my bankruptcy.
Product: Checking or savings account

I had suspicion that my account could possible be compromised so I contacted Chime customer support Inside the banking app on XXXX XX/XX/22 and I was IGNORED! A week later my account was compromised and my Paycheck {$590.00} was stolen. After 7 Hours on the phone with customer service we managed to get back into my account only for it to be compromised again on XXXX XX/XX/22 and {$240.00} was stolen out of my account again. Since XXXX XX/XX/22 I still have no access to my account and all efforts to resolve this situation with chime have accomplished absolutely nothing. It is now XXXX XX/XX/22 and I am still locked out of my account. Customer service keeps telling me to log into the app. But they don't seem to understand that I am unable to access my account because they have failed several times to change my Account information so that I can access the app. At this point I can't tell If I'm being scammed by a scammer? Scammed by Chime? Or both? Chime is great until you have a problem. Customer support has provided absolutely no decent assistance in resolving this matter and I need help from. Due to this all of my bills are late which has created a whole different set of problems for me. Chime has FAILED miserably to help protect me & my account.