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

In accordance with the fair credit reporting act, Shellpoint Mortgages Servicing, has violated my rights.

15 USC 1681 Section 602 : States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

I have a fixed rate conventional mortgage signed on XXXX XXXX, XXXX. This loan had a monthly PMI and with this I have my 'NOTICE CONCERNING PRIVATE MORTGAGE INSURANCE - INITIAL DISCLOSURE - FIXED RATE MORTGAGES '. There is an 'AUTOMATIC TERMINATION OF PMI ' clause on this disclosure. The automatic termination date was XXXX XXXX. Roundpoint Mortgage has refused to acknowledge this and will not terminate the monthly MIP nor will they refund all the unearned PMI premiums that I have paid since then. I have made EVERY PAYMENT ON TIME. I have been in the mortgage loan business since XXXX and I know the guidelines and when a Lender/Servicer is being less than honest. I have called and requested to speak to someone about this I was told I have to submit a request in writing. I did that and also sent a copy of my disclosure and request for a refund for the months I have paid sine XXXX XXXX, XXXX. I have since been told by RoundPoint that I need to get an appraisal first to verify that my loan is indeed at 80 %. I have been told by them that I do not need an appraisal because my PMI will terminate in XXXX XXXX, XXXX. I have been told by them that It will terminate in XXXX XXXX and XXXX. I have asked several times to speak with a supervisor and have never been given one. I have been places on hold for HOURS after asking for a supervisor and of course no one ever picked up the phone. This is frustrating to say the least. I have never been treated do poorly by a company that I felt the need to file an official complaint.
Product: Vehicle loan or lease

My previous complaint # XXXX was closed without me answering back to this company. It is not fair that i am not allowed to also respond back and my comp [ lain is simply closed when i belive my rights have been violated.. i am putting in another complaint with my response. Below is my original complaint. Flagship Credit Acceptance wrote the CFPB back with a response and documentation which i attached. 

I wrote Flagship Credit Acceptance in regards to a repo listed on my report. I am not denying the account however i do not believe the amount they are claiming i owe is correct. They are reporting an amount on my credit report that is not accurate. I was never sent any letter in the mail in-regards to the sale of the vehicle. i was never sent a detail breakdown / deficiency balance nor was i sent any documents showing the fees or how much they received from the sale of this vehicle. They sent me statements of my payments when i did have the car but not the original letter with the sale. I believe state laws do require that a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time was adhered to. When the car was sold these documents was never sent to me.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XX/XX/XXXX I paid a contribution amount of {$2500.00} for inclusion in the platinum plan XXXX XXXX XXXX XXXX XXXX The plan ensured a loan contribution of $ XXXX to be paid in equal parts over a 2 year span. Members were required to pay back the contribution loan of $ XXXX. 
-After confirmation of payment/contribution a loan number was never provided to me. 
-Per the contract, once the contribution was made for the applicable tier, members would begin to receive distributions within XXXX weeks. 
XXXX never received a distribution of any type and began to email XXXX XXXX. I also went to their XXXX page only to find that they had turned off comments, and deleted message from other individuals who paid into the system and had not received disbursements. The email responses were vague at best with an attempt to pacify. As a result, I request a refund of the {$2500.00} that I paid. I was told it would be processed, but I never received my funds. 
XXXX XX/XX/XXXX I attempted to file a claim with my bank to try to retrieve my funds ; however, the claim was denied due to the length of time from when the funds were paid to XXXX and the date that I filed the claim. 
-On XX/XX/XXXX, XXXX XXXX deactivated my account so I no longer had access to any information located in my account. 
XXXX filed a XXXX  complaint and XXXX responded that they had never done any business with me and did not know who I was.
Product: Mortgage

I DESPERATELY NEED HELP! I am getting nowhere with my mortgage company. I filed a previous complaint on XX/XX/XXXX, claim # XXXX because my servicer was giving me the run around regarding loss mitigation. I sent proof of this with my previous claim. My servicer did respond after I filed the claim with CFPB, but only with a phone call and no resolution. CFPB closed my claim. I am not getting any options in regards to loss mitigation that I qualify for under USDA Mortgage Relief in response to Covid 19. I have a USDA guaranteed mortgage and I qualify for a payment reduction according to their guidelines. I meet all of the qualifications and it's as if no one is accurately processing any of the loss mitigation applications that I have filed since the end of XXXX. I do not know what else to do. When I reach out to my servicer, all they do is tell me that they will escalate my issue to someone and then I never hear from anybody. Now, they have closed my loss mitigation case and I am still in the same situation. They even sent ANOTHER loss mitigation package for me to complete! I have completed THREE since XX/XX/XXXX and I haven't been offered any resolutions to my issue. I AM BEGGING THE CFPB FOR HELP!! All I want is the payment reduction as per USDA guidelines. It's really that simple. I do not understand why my servicer has not offered this to me. I qualify for this option set forth by the Whitehouse on XX/XX/XXXX, under the USDA guidelines and under the USDA Covid 19 Special Relief Measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove breach accounts from file. I am trying to buy a new house...
Product: Debt collection

I have been getting repeated emails from TrueAccord ( on behalf of XXXX  XXXX ) for debt I do not owe. Nothing was showing up on my credit report for this debt and Ive never taken out of loan from XXXX  XXXX. I called TrueAccord finally because I was tired of getting emails. They are investigating it as potential fraud but Im concerned theyll keep trying to collect from me. How are they getting my information to collect a debt that I do not owe?
Product: Credit reporting or other personal consumer reports

Name : ( private ), Social Security Number : ( Private ), Date of Birth : ( Private ) This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number ( private ) with a balance of $ ( private ). A collection account opened at XXXX XXXX XXXX opened on XX/XX/XXXX under the account number ( private ) with a balance of $ ( private ). A collection account opened at Contract Callers Inc opened on XX/XX/XXXX with a balance of $ ( private ). A personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), with a balance of $ ( private ). These accounts have resulted in several fraudulent accounts and collections appearing on my consumer XXXX credit report. I've attached a list of accounts in question as well as a copy of the consumer FICO credit report which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters and disputed online to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT Wrong AddressXXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX Correct AddressXXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, I noticed that some late payments posted to my credit report XXXX XXXX XXXX  Account Number : XXXX this company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent in a letter to XXXX, Experian, and XXXX. To have my information verified it has been 30 days with no comply they are not obeying the law.
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation, This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Resurgent Capital Services and their affiliates, Pinnacle Credit Services, and XXXX XXXX are sending me collection letters for debts that have paid in full or charged off 20+ years ago. I have responded to each collection letter via certified mail but they then send another letter with another debt they " Discovered ''. As of today, they have sent me 5 letters. I believe they are Zombie Debt Collectors attempting to extort money from me under the threat of garnishment of income. Their actions have a negative impact on credit reporting, insinuating that I am unwilling to repay debts.
Product: Payday loan, title loan, or personal loan

I wasn't sure what to select for my specific issue, so I hope this complaint will still be received. I took out a loan through IntegraCredit and when I noticed that my payments weren't bringing down my balance, and in fact, my balance went up a couple of times, I emailed them and asked them how this happens? I never got a clear answer, just something along the lines of, they frequently adjust the payoff balance according to financing or something. 

I also found out that I do not live in one of the states listed on their website as able to provide loans to. I live in Ohio and Ohio isn't one of the states they provide services to. When I asked them how it is that they approved and gave me a loan, I got no response, they completely ignored that part of my email.
Product: Student loan

I paid XXXX XXXX XXXX to manage my loans {$600.00} and then {$29.00} thereafter. They sent my loans to XXXX XXXX where I made payments. I was told student assist would manage everything but when it came time to recertify I had to go through XXXX anyway. I cancelled with XXXX XXXX and my loans disappeared from XXXX. I was told they went back to the original vender. They fell off my credit report completely and were no where to be found. XXXX XXXX told me to call XXXX  XXXX and vice versa. A year later my loans pop back up with XXXX with added interest of {$5000.00}. I've been going back and forth with XXXX and XXXX XXXX since XX/XX/XXXX with no reconciliation of the issue. They will not remove the additional interest and can not tell me why the loans disappeared at {$44000.00} and returned at {$48000.00}. I've been out of school since XX/XX/XXXX had the loans since XX/XX/XXXX and all the money I've paid does not lower them in anyway. I'm included conversations back and forth between the loan companies. XXXX XXXX basically told me I should be happy they disappeared and would not help me in any way. Now XX/XX/XXXX and I'm still dealing with excessive loan debt that is not completely accurate.
Product: Student loan

I 'm still in school getting ready to do XXXX ca n't find a job anywhere. I 'm getting harassing phone calls I have told them I do n't have an job but they do n't care. I attend the University XXXX XXXX XXXX XXXX XXXX XXXX dad has lost his job 18 years his department has downsize he 's XXXX years old his lost everything house in foreclosure, car been reported, he just got out of the hospital XXXX. He 's was going to help me pay loan back but he ca n't find work because of his age.If anything happens to him I could n't bury him.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. Furthermore, under the Federal Truth In Lending Act 15 USC 1666b ( a ) state that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the Gramm Leach Bliley Act, Chase failed to perform their obligation to respect and protect my privacy. Chase failed to provide me an adequate opt out notice and Ive NEVER granted Chase any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Chase actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Chase breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Chase to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Chase is required to comply with this opt out notice upon receipt and comply with the follow
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported incorrectly as failed to pay when this account has been paid off in full. Per my agreement with the collection agency. The account should be deleted as such and should not be reporting inaccurately
Product: Credit reporting or other personal consumer reports

Experian has decided to not update my XXXX XXXX  XXXX  XXXX  account, which has caused me harm. 

I paid off my XXXX XXXX  XXXX  balance of {$390.00} on XX/XX/. XXXX XXXX  informed me they reported a XXXX balance to Experian, XXXX and XXXX on XX/XX/. XXXX and XXXX updated this balance on XX/XX/, however and suspiciously Experian has not as of XX/XX/. 
I am requesting for Experian to confirm they did get the Update XXXX XXXX  provided them on XX/XX/XXXX  and explain to me why that account has not been updated as reported. 
Through my research, it seems Experian stalls the reporting of accounts which show a positive update in order to keep my score lower. This practice benefits the financial industry so they can charge me higher rates. 
I have printed out examples of this practice over the last 12 months.
Product: Credit card

On XXXX XXXX, I made an appointment with XXXXXXXX XXXX about considering possible XXXX. I was told I was an excellent candidate.They treatment was {$580.00} which they financed through FORTIVA, XXXXXXXX. Less than two weeks after the treatment I went back and spoke with the Manager and said the treatments did not work and now I have a XXXX. She told me she would get with her Regional Manager and get it resolved. Two weeks passed, i heard nothing so I started to call. They said they would refund the unused XXXX units I disputed the total transaction with FORTIVA and their response was a copy of the contracts I signed with XXXX. I have since written FORTIVA telling them that the contract I agreed signing however this was obviously not the dispute. I have not had a response. They however did send me a letter threatening to wire off my account and report me the credit bureaus. XXXX did offer me an appointment in XXXX to resolve the issue then cancelled the appointment. I now want a refund to the account and do not wish to do any further business with XXXX. FORTIVA appears to be clearly on the side of XXXX and directed me to resolve with them. XXXX has made it clear and thus I demand a full credit and the account removed from my credit bureau trade list. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I am a consumer pursuant to 15 USC 1692 ( a ) ( 3 ).

According to the Fair Debt Collections Practices Act, the company I bank with- Wells Fargo is a debt collector and has violated the FDCPA and the Truth in Lending Act. 

They are requesting I pay {$220.00}. 

According to the federal law, payment is gold or silver. 

The actions I have taken to address the matter is disputing the account that is my name. I have notified them that I'm a consumer and that they have used abusive, deceptive, due to unfair debt collection practices. 


Also I reached out privately to the company by mail disputing the alleged account that is in my name. I invoked my specified remedy as the creditor that the company lift the hold or suspension that's preventing me from actively using the account. Report as paid in full- showing my account reflection of it no longer being negative. As well as I instructed them to compensate me the monetary amount in damages listed on the invoice I sent with my affidavit for violating federal law that totaled to be {$16000.00}. 

The company committed the following violations 15 U.S.C. 1692 ( b ) ( 2 ) 15 U.S.C. 1692 ( b ) ( 3 ) 15 U.S.C. 1692 ( b ) ( 4 ) 15 U.S.C. 1692 ( c ) ( a ) 15 U.S.C. 1692 ( c ) ( a ) ( 1 ) 15 U.S.C. 1692 ( d ) ( 2 ) 15 U.S.C. 1692 ( d ) ( 5 ) 15 U.S.C. 1692 ( e ) ( 2 ) ( a ) 15 U.S.C. 1692 ( f ) ( 7 ) 15 U.S.C. 1692 ( g ) ( a ) 15 U.S.C. 1692 ( g ) ( a ) ( 1 ) XXXX XXXX the 'Case Specialist ' in the Enterprise Complaints Management Office responded on behalf of Wells Fargo stating that " We respectfully decline your request for compensation as were able to determine no error occurred '' in regards to my demand for compensation.