23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a fraud alert on my XXXX XXXX, Experian and XXXX credit report. Banks, credit unions, financial institutions and companies can not verify my identity through XXXX XXXX, Experian or XXXX because of the fraud alert on my XXXX XXXX, Experian and XXXX credit report. Furthermore, more I want to Opt-In and receive pre-approved credit offers by mail or email.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I am on my second payment cycle with Mr. Cooper mortgage and have had a double payment taken out. 

With just a short amount of research, I know that Mr. Cooper has been claiming they will fix this shortcoming since XXXX of 2021. 

I believe Mr. Cooper is a deeply dishonest company and Im frustrated to have to deal with this on my second month with them. Especially given the fact that they have a history of taking advantage of their customer base.
Product: Mortgage

I received a prescreen offer from the company FIGURE offering home equity lines, all of the marketing material references " Home Equity Line of Credit '', however they are actually only offering home equity loans. This is deceptive and misleading marketing.
Product: Credit reporting or other personal consumer reports

Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given u written unwritten verbal and non verbal. Per 15 USC 6802, also in conjunction with 16 cfr 313.1, privacy act of 1974 and mainly protected by FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT.
Product: Debt collection

To whom this may concern My name is XXXX XXXX. I am the oldest daughter of XXXX XXXX, Legal Heir to the Estate of XXXX XXXX and Successor in Interest to said property. 

I am filing this complaint today against owner, holder, Servicers of the Note and Mortgage account of the account of XXXX XXXX, XXXX XXXX Backed XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX and New Penn Financial , Llc d/b/a Shellpoint Mortgage Servicing also known as Shellpoint Shellpoint has fraudulently administered another Sheriff sale on the Estate of XXXX XXXX without giving any warning to the Rightful owner of the said property, Schedule for XXXX XXXX I found out Friday, XX/XX/XXXX from a strange man calling my phone claiming to want to help me by buy my mothers house Shellpoint illegally post my siblings and I names and telephone number in the local new paper for nonpayment Violating our privacy and leaving us subjected to random calls all through the day and at inappropriate hours of the night, asking personal questions Shellpoint ( CSR ) is still Refusing to communicate with me/ ( XXXX ) about the Estate of XXXX XXXX Mortgage Loan account, saying Im not authorized to get information Mortgage Loan account by sending all time sensitive mail to my deceased grandmothers po box This complaint contains attached documents of proof and my explanation of these events Theres been mishandling of documents No precaution while preparing those documents Details are not carefully analyzed before making decisions Documenting misleading documents with no correction Distorting facts, processing forms with no relevancy to the Estate of XXXX XXXX Mortgage Loan account Not being truthful about required documentation need to gain access and be Confirmed as a Successor in Interest Violations of Privacy Data Breach By not Acknowledging and Confirming my ownership status by XXXX XXXX XXXX Shellpoint and affiliates made me/ XXXX XXXX ) oppressed and prevented me from having the same opportunities, freedom and benefits that other homeowners had during the Covid-19 Pandemic. 

Instead of helping Shellpoint used my lost of my Grandmother, hardships and disadvantages to administer a Sheriff Sale on the home I lived and paid the bills in and for way longer they have been Servicing the Mortgage Loan of The Estate of XXXX XXXX XXXX ( XXXX ) also feel like Shellpoint has tied and bound my hands Preventing me from honoring my Mothers wishes Preventing me from moving forward and acting freely to facilitate my obligations to the said property With Regard XXXX XXXX
Product: Mortgage

On XX/XX/2019, I requested a reinstatement quote from Ocwen for {$22000.00}. Before this, we received notification Ocwen was turning over their mortgage practices to XXXX as of XX/XX/XXXX. The reinstatement quote I received for {$22000.00} stated it was good until XX/XX/2019. When I called Ocwen on XX/XX/2019 to ask if the wire transfer information listed on the statement would be valid until XX/XX/2019 I was told by the agent that it would be. Today, I am ready to pay the reinstatement amount. To double check the wire transfer information, I called the Ocwen number, which is now answered as XXXX. When I inquired about the reinstatement amount, I was then informed the mortgage information was turned over to XXXX XXXX. When I called the number XXXX gave me for XXXX XXXX, it was an automated message for XXXX XXXX. After going through three different menus, I was finally given an option for XXXX XXXX. When I spoke to the operator, I was told they would need time to research the reinstatement amount and the quote I had was no longer valid. I was told they would email this information to me some time next week. Now the risk of foreclosure looms instead of being able to handle this today. I want to pay the amount due as per the reinstatement quote I was given. Nothing was stated in any of the mortgage transfer information concerning reinstatement quotes no longer being valid after XX/XX/XXXX. Instead Ocwen says any monies due on or before XX/XX/XXXX should be paid to Ocwen. The reinstatement amount directly deals with monies due on and before XX/XX/2019 in the amount of XXXX, XXXX. They should honor this amount and the reinstatement quote given.
Product: Mortgage

My situation is unique because its been caused by my employer state government closed my work the sudden loss of income had a bad impact on my health to the point that I was forced to apply for my social security benefit unfortunately government dont care about people they are slow behind I send my situation to the office of senator XXXX XXXX and California governor XXXX XXXX and they are aware of my situation I the other hand SLS never worked or try to assist me And from the beginning everything they done is only in a path to take my home SLS is under a lawsuites for not comply and doing the same thing they done to me to other homeowner and this is how they operate by playing game toying with home owners so they could take their home I have hundreds of complaints of other homeowners that how SLS took their home On the same date that SLS is selling g my home I have XXXX My son is in. XXXX XXXX SLS is a fruad company and they need to be fined and put away for what they done and doing to home owners Cfpb not doing their job by not investigate SLS
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally lodge a complaint regarding the inaccurate reporting of my bankruptcy information to the credit bureaus, despite clear instructions from the court that bankruptcies should not be reported to the credit bureaus. I believe this situation constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

As per the courts directive, the bankruptcy information should not have been reported to the credit bureaus. However, the bankruptcy is still being reported by all three major credit bureausExperian, XXXX, and XXXX XXXX, which is acting as a third-party data provider. I did not authorize XXXX, nor any third party, to report or disclose this information to the credit bureaus. 

I contacted XXXX, and they confirmed that they had disputed the bankruptcy records with all three credit bureaus. However, only XXXX has removed both the public records related to the bankruptcy from my credit report. The other XXXX credit bureaus have failed to correct or remove the inaccurate entries. 

The following legal provisions are being violated : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA, specifically Section 1681e ( b ), consumer reporting agencies ( CRAs ) are required to maintain reasonable procedures to assure maximum possible accuracy in reporting information. The inaccurate reporting of my bankruptcy, despite the courts directive and my efforts to correct it, constitutes a violation of this standard. 
2. Right to Privacy and Consent under the FCRA Under Section 1681b, consumer reporting agencies must have permissible purposes to report credit information. As I did not authorize XXXX or any other third-party to report this information, this constitutes an unauthorized disclosure of my personal data, violating my right to privacy. 
3. Section 1681i Procedure in Case of Disputed Information Under the FCRA, when a consumer disputes inaccurate information, the credit bureaus are required to investigate the dispute and resolve the matter in a timely manner. The failure of XXXX and TransUnion to remove or correct the inaccurate bankruptcy records in response to my dispute constitutes a failure to comply with the requirements set forth by the FCRA. 

Given these violations, I respectfully request that the CFPB investigate this matter and assist in ensuring the removal of the inaccurate bankruptcy records from my credit report. This inaccurate reporting is causing harm to my credit standing, and I believe it is critical to hold the involved parties accountable.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According

to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no p
erson shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX This is still on my complaint and I havent heard back its been several months. This is negatively impacting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau has violated my rights under The Fair Credit Reporting Act ( FCRA ), which is the federal law that regulates credit reporting agencies and compels them to insure, that the information they gather and distribute is a fair and accurate summary of a consumers credit history, Equifax has failed in its duty. On XX/XX/2023, I filed a complaint # XXXX regarding debt collector XXXX XXXX XXXX XXXX and its fraudulent, identity theft account being reported to Equifax credit bureau XXXX Equifax has failed to adequately investigate, this inaccurate, fraudulent, identity theft account and have ignored the police report submitted to them showing proof that this is indeed a fraudulent, identity theft account. XXXX and XXXX have completed its investigations and have successfully proven this debtor collector to be a fraudulent account and have removed said account from its credit bureau XXXX XXXX. However, Equifax is for whatever reason still reporting and refusing to remove this inaccurate, fraudulent, identity theft account from its credit report system.
Product: Debt collection

Asked to removed from credit as I do not owe this company and never had an account with this company. 

Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion on several occasions regarding a lot of unknown credit inquires I have requested that these items be looked into thoroughly and Transunion has failed to complete a investigation. Listed below are the items below that i do not recognize and therefor were not authorized by myself or anyone representing me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681e section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

There are multiple inaccuracies listed on my credit report from personal onformation, collection accounts, derogatory accounts and account statuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. This is inaccurate and needs to be corrected immediately. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check this item ( A ). It is unacceptable to list this item as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX
Product: Consumer Loan

I receive a call from a number XXXX. I was advised I owe XXXX auto loan with D2 management. The lady told me she review my credit i have no judgements or liens on my credit report. I do not have none of my documents at all. I have a Protection Identity Number and Fraud Alert on my credit report. The lady did not want to listen to me. She got mad.
Product: Debt collection

Apart from getting laid off by your current employer after we send them the legal notice you will be blacklisted from getting any job. 

Through an IRS ( Internal Revenue Service ) your Social security number will be put on hold causing severe damage to your credit history or credit report and your income paychecks will be put on hold. 

Any child support, Disability, Unemployment or retirement benefits will be either place on hold or will be stopped until the outcome of the case. 

Our primary job was to notify you about the case before we send you legal document in the mail because once this case gets registered then we wont be able to help you out of court. Our client is least interested in getting the money at this point as they want to just go ahead and start taking legal actions however we wanted to contact you and give you last chance to resolve this case out of court. 

If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Please let us know what your intention is by today itself so we can hold the case or else we will meet you in court house. It is a mandatory process before filing LAWSUIT we have to inform the defender by any means. 

Our intention is not to threat you, it is only an effort from outside to settle this case outside the court. 


Come back to us ASAP, as the case in hand is time sensitive. 


Your Sincerely, XXXX XXXX Sr. Executive Consolidation Dept. 
ACE CASH EXPRESS _______________________________________________________________________
Product: Credit card

I have been a very good customer to Barclay 's Card for a year and two months. The credit card company has not provided me with good service regarding a charge to the card which inevitably caused me to have to pay in excess of {$190.00}. Without any service for my protection in these types of disputes, I ended the relationship with the credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.
Product: Debt collection

Central states Recovery has been contacting me at work and when asked no to the lady her last name was XXXX told me she would call me as often and as much as she wanted at work ... this started happening on XXXX XXXX 2015 when I told her to call me after hours when I am not at work and had no problem talking to her at that point. She told me if I did n't talk to her when she called she would sue me. I told her do not call me back at work and hung up on her she immediately called me back and asked to speak with HR department when I told her we did n't have XXXX she said Yes you do. I asked her again not to call me during work hours and she immediately called me back again then called again on XXXX/XXXX/2015 then the weekend went by ... I did n't get the time to call her before XXXX on Friday the XXXX.The calls started again on Monday the XXXX again she was told not to call during work hours. then on Tuesday the XXXX she called again I took the information down and called back at XXXX I reported how she treated me and requested a different collector. she then again started calling me at work on the XXXX and again I asked her not to call me at work she replied that she will call when she wants I told her that my employer has requested her to not call me at work and she said " well your employer probably doesn, t know you owe XXXX dollars either. It is none of my employers business what I owe. I hung up on her. She then called back and talked with my boss asked for the address and HR of my job.. I called to make a complaint to CSR and the refused to let me speak with a manager. I was put on hold and then I hung up because I am at work I can not be bothered by this I told her I called back on the evening of XXXX and she said NO YOU DIDNT ... I AM BEING BOTHERED BY THIS DAILY AND CAN NOT AFFORD TO LOSE MY JOB DUE TO THEM HARRASSING ME