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

Dear SELFINC/LEAD, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX, MO XXXX 

It has come to my attention that SELFINC/LEAD has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, XXXX identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for SELFINC/LEAD to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand thatSELFINC/LEAD immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that SELFINC/LEAD will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

I have disputed and corrected information on my XXXX file successfully but I can not get dispute information to XXXX and Experian. I am trying to buy a home and I need these files to reflect the same or similar to my XXXX file.
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 : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Checking or savings account

On XX/XX/XXXX I notified Chase that I had gone into a Time Share with XXXX XXXX in XXXX XXXX, XXXX XXXX and that they had charged my account {$2100.00} and {$2900.00} and another {$900.00} and that when I got home was when I noticed these transactions because there was no Wi Fi there and I wasn't aware of this. I also told them that I had 3-mailed XXXX and cancelled the contract within the cancelation period ( 4 ) days. They suggested that I get a new debit card and close my checking and savings accounts and open new ones, which I did. When I met with a bank representative and I gave her a copy of the contract ( pg.6 ) and a copy of a signed authorization for {$2100.00} so that she could fax it to their claims department. 

On XX/XX/XXXX I received a letter from Chase stating that they gave me a temporary credit while they researched my claim. I called asked them if they needed me to submit any other papers or anything to validate my claim and they said no that they will take care of this. 

On XX/XX/XXXX Chase returned my money to XXXX without informing me. 

On XX/XX/XXXX I was going to pay a bill and that's when I noticed that Chase had given XXXX my money. I called them and they told me to resubmit my claim. 

On XX/XX/XXXX I want to the bank and resubmitted my claim ( I couldn't attach copies, I will mail them ) since then I have been given the runaround. 

On XX/XX/XXXX I called the claims department to see if they needed anything else and how far along they were with my claim and I was told that I would be getting a phone call soon. 

On XX/XX/XXXX I called the claims department again to let them know that I still hadn't received the phone call and was told to call within five ( 5 ) business days. 

On XX/XX/XXXX I called the claims department and spoke to XXXX. I told him that the five ( 5 ) business days were up and what was going on with my claim and he rudely told me that I had to take my problem up with XXXX. I told him that I was Chase 's client ( customer ) and that I had done everything that Chase had asked me to do like getting a new debit card, changing my checking and savings accounts and they still paid XXXX I wanted to know from what account did they pay XXXX when on XX/XX/XXXX my old accounts were already changed and they were not supposed to go into my new account. 

To date, I have not heard from XXXX.
Product: Debt collection

I was taken to court by XXXX XXXX of XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX small claims division. He claimed to be an atty for the law office of XXXX XXXX XXXX XXXX located on XXXX XXXX in XXXX XXXXXXXX XXXX.. I hired them for an emergency hearing for custody of my XXXX and gave them a XXXX retainer. The hearing never took place and a gal was appointed and case pushed out. I needed my XXXX out immediately and had just went through a long custody battle gal and all. I told the law firm I didn't want a gal and would go no further. They never made an appearance in court for me and was meging with XXXX and XXXX without ever notifying me till XXXX tried billing me for XXXX that XXXX said I owed. Then law office of XXXX XXXX XXXX kept sending me a bill I disputed it and asked for verification I was given an unnoticed page XXXX of a bill that only adds to to just under XXXX. The judge hearing the matter has handled a custody case for me where I ended up asking for another judge and filed charges so I asked he recuse himself and he would not. XXXX XXXX never said he was a debt collector and he was the only one at court for the dispute hearing. I asked it b dismissed since plaintiff not there to prove I owed money. Long story short XXXX XXXX didn't even do his due diligence to add bill and show Me proof the amount was correct. I told the judge I wasn't giving XXXX XXXX my info so he could steal my money and the judge threatened to lock me up for 90 days. The judge ruled in XXXX XXXX favor and made a judjemenr against me in favor of XXXX. XXXX office for XXXX. I tried to appeal and lost and am now making XXXX payments a week. Every right I had was violated. And I know they do this to all kinds of people hoping for default judgements.. I am a single income home and fight already to make ends meet this is legal theft I feel and needs stopped.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX  XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXXXXXX Balance : {$15000.00}
Product: Mortgage

The signing of loan modification documents! 

I have completed my three payments as terms of agreement of the loan modification. 

The loan modification loan docs arrive. Looking through loan modification docs my mother name is on it and my name only. My father was the primary borrower. Makes absolutely no sense why my dad 's name is not on the docs. Mr Cooper has both death certificates for my deceased parents. 

I was contacted by the first Notary to come by and get loan docs signed. She keep asking about my mom and if she would be here to sign loan docs I told her my mother and father are both deceased and my father was primary borrower he is not even on the new loan docs and I also told her Mr. Cooper has the both death certificates for each one that's how this loan modification got stated I informed her my dad was the primary borrow and my mom was just on the loan. The first Notary claimed she was at my house and no one was home. She stated she was at my door from XXXX to XXXX AM my door was open and there was construction going on in the building next door. That's why I left door open. I called Mr Cooper office to let you know the situation. Given the information above by the Mr Cooper representative. I informed him it's XXXX AM I standing on my porch why would I be calling. 

Schedule Second Notary she arrives and as we are signing docs she put a line through my mother 's name while we completing the signing of docs. Mr Cooper reject the line through my deceased mother name. Get second set of new loan modification docs sign all of them again. All seem good. 
Just got a call from third notary indicating you rejected those loan docs again. Spoke to new Notary she is now asking me about my mom again to see if she will be here to sign loan docs. Here we go again around and around with this XXXX again. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My loan was transferred from XXXX XXXX to this company I'm filing the complaint about, RoundPoint Mortgage Servicing LLC, ending my pervious relationship with XXXX on XX/XX/year>. In a letter from XXXX I was told that XXXX would communicate to me the information needed to make future payments to though XXXX has yet to provide any information. I've tried several times to contact that by phone, at times waiting on hold upwards of XXXX minutes to no avail. Meaning, I was never successful in getting though to any live agent. The one time I was able to get through, the agent asked for my name and as I was giving it, I was disconnected. I've tried communicating with them on their XXXX page through private messaging. I was told to give my phone number, which I did and that they will call me back that same day. But still no call. Unfortunately I have no choice but to have to make payments through XXXX XXXX, as my previous servicer, XXXX will no longer take payments. I should add that I would need a new account number if I wanted to at least make the payment by snail mail, but I don't have that. This information is supposedly going to be provided by XXXX in a letter. I've yet to receive that letter and at this time I'm only XXXX weeks away from having to make XXXX 's mortgage payment. It's taking me decades to get my credit to the exceptional level and this company could ruin that because of their incompetence. I informed the company through their XXXX private message that I'd be filing a complaint here, however it doesn't appear to bother them as the call I was promised never came and right now I'm extremely stressed due to hurricane Milton rapidly approaching.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was reported late. I made a scheduled ACH payment for {$350.00} and was credited XXXX in XX/XX/XXXX. 

XX/XX/XXXX I was reported late. I made a ACH payment of {$30.00} and was credited {$30.00} in XX/XX/XXXX It is affecting my credit score and ability to purchase a home, obtain additional credit, maintain low car insurance payments and acquire new employment. 

I only have 4 missed payments in total for the life of the account. I was reported 90 days late in XX/XX/XXXX. I was reported 30 days late in XX/XX/XXXX.
Product: Credit card

I had a Chase XXXX XXXX credit card. I had around XXXX XXXX frequent flier miles when I signed up for the card. XX/XX/XXXX I lost the card and asked for a replacement. They never sent me the replacement. XX/XX/XXXX I was charged an annual fee for a card they had not replaced so I canceled the card. This week I went in to book a flight and they said I have XXXX miles. Late last year I had almost XXXX miles and had been paying my card until XX/XX/XXXX. How can they all of a sudden just decide to cancel all of my miles?
Product: Debt collection

I Never did business with the creditor Affrim. XXXX XXXX XXXX is refusing to conduct a debt validation pursuant to the Fair Debt Collection Practice Act.
Product: Credit card

Received text in XX/XX/XXXXXXXX  about a fraudulent purchase on my Comenity card. I did not make that purchase and they were going to close old account and issue new card and I would receive new card in 7 to 10 days. I have not received the replacement card as of yet ( XX/XX/XXXXXXXX  ) and am locked out of my online account as well. After 15 calls ( 10 to customer service- 4 to fraud dept-1 to corporate headquarters ) to rectify this so I can make payments/purchases on my account they can not get into my account either and can not help me! I spoke to corporate office ( XX/XX/XXXXXXXX  ) and they assured me when I call back in 48 hours, they will be able to get into my account and issue my new card. They still can not get into my account or help me. I am receiving emails and phone calls about my late payment now. I can not get my account number either but emails are showing a different last four digits than my original card. Old card last 4 digits is XXXX new last 4 digits is XXXX. I do not want to make any payments on a card I dont have and I do not want this to affect my credit score! 
As of today, I continue to be told that they can see me in system but is locked out of my account. I am in limbo at this point. And I am being told there is nothing they can do and continue to give me the runaround.
Product: Credit reporting or other personal consumer reports

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Product: Credit card or prepaid card

Pre approved with a 0 % interest, couldn't verify due to previous complaint with XXXX freeze, PUT XXXX inquiries on my account, would not even process a complaint, wanted me to do their job, Now that i have fixed XXXX say i have too many cards which were the exact same number I had when I applied. these people don't care, cause consumer harm and refuse to have someone call to discuss their issue on their end. 

Capital One for such a large company CFPB regulates doesnt give 2 XXXX  about consumer issues apparently. whats in my wallet, not capital one.
Product: Credit reporting or other personal consumer reports

My loan servicer is MOHELA and i was supposed to have my student loan reported as not late but reported as paid off in the amount of around {$30000.00} which is principle plus interest! The XXXX administration sent me a notification saying my student loans have been forgiven in full and no longer require a repayment but MOHELA will not remove this loan debt from my credit report please help me out!!!
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to BK OF AMER XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Credit reporting or other personal consumer reports

On approximately XX/XX/year> as I was checking my credit report, I saw a credit card from XXXX that I had not opened. I contacted XXXX and they determined it was fraudulent. I requested it be removed from my credit report from Trans Union. As of XXXX XXXX it is still on my report.
Product: Mortgage

This home buying process started in XX/XX/XXXX, we put a hold {$2000.00} deposit down on a new construction the builders, XXXX XXXX We worked with vip mortgage co of XXXX, AZ, the bate team, started construction put a earnest deposit on the home and expected closing was end of XX/XX/XXXX. Turned in everything in a timely manner the loan company asked for, but my retirement money could not be withdrawn. We moved to closing assistance. The date to close moved again to XXXX and issues started we signed purchasing documents XX/XX/XXXX. We done everything in a timely manner. I even purchased home owner insurance in XX/XX/XXXX because vip told me to do buy it for the closing, well we were moving in XXXX to the property, so I just recently cancelled the policy XX/XX/XXXX. Closing set for XXXX. I started noticing wrong address on documents and we signed to lock in interest rates and the officer saying we didnt, dont worry when we sign at closing we can ask all questions then. I was not told my driver rate and the interest rates I was locked in on twice. Where is my withdrawal and why my loan was withdrawn and why builders cancelled on me? XX/XX/XXXX. XXXX we signed another purchase agreement. Closing date moved again then builders and vip stop answering my texts and calls.? I was kept in the dark. Closing date moved again they wanted rent ledgers and income ledgers. Started telling builders we were not co operating. I called XXXX XXXX for updates and she told me vip wants to end the process. Then XXXX XXXX stop answering my calls, texts and emails. I reached out to my realtor which both companies seemed to speak thru her. To speak to me to tell me what I needed to finish. Paperwork turned in as requested the builder set another closing date we were not told the date and the builders closed our closing and will not return our deposit and vip just said its too late we sorry bye! 
I feel discimamated against in my first home buying process. This has been going on for months and we were planning on moving into our new home.
Product: Payday loan, title loan, or personal loan

On XXXX there was forced placed insurance place on my loan which was then with XXXX Bank. My loan was then sold to XXXX XXXX and is serviced by SST. I have been back and forth with SST and XXXX  to get a credit for the forced placed insurance. I had a lapse in coverage from XXXX thru XXXX. That short period of time does not justify {$11000.00} of forced placed insurance being added to my loan. I call and correspond with SST and they tell me to contact XXXX. I call XXXX  and they tell me to contact SST. 
XX/XX/XXXX - called SST XX/XX/XXXX - called SST XX/XX/XXXX - called SST XX/XX/XXXX -sent email to SST & XXXX XXXX XX/XX/XXXX - called SST XX/XX/XXXX - called SST XX/XX/XXXX - called SST ( told to call XXXX  ) XX/XX/XXXX - called & emailed XXXX  XX/XX/XXXX - called SST XX/XX/XXXX - called SST ( Credit Disputes Department ) XX/XX/XXXX - sent email to SST XX/XX/XXXX - Called SST ( 3 way call with XXXX  ) XX/XX/XXXX - called XXXX  XX/XX/XXXX - called XXXX XX/XX/XXXX - Calle XXXX ( told to call SST )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF EDUCATION NELNET Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1691 prohibits consumer reporting agency from taking adverse action against the consumer for exercising their rights.