23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX, I was notified oXXXX XXXX XXXX XXXXXXXX that they were sending my mortgage to a loan servicer ( Shellpoint ). And, payments made after XX/XX/XXXX would need to be sent to the new loan servicer., ever since, there have been nothing but problems. XXXX XXXX XXXXXXXX indicated that there would be no differences in my account- but there are many : First, my payments up to XX/XX/XXXX were {$820.00} When I finally got the statement from Shellpoint it was for {$890.00} ( this was because a new insurance premium was scheduled to take place in XX/XX/XXXX and was scheduled to be higher than the previous one but in XXXX when I got the assessment I changed increased my deductible so never took place XXXX XXXX  XXXX was quickly notified and they immediately adjusted the change of premium to {$800.00} all is well documented. Note : It took until the XXXX week of XXXX to receive my new loan information - acct numbers, etc. Since I had payment due on XXXX - XXXX not only called XXXX XXXX XXXX back when I did not receive timely information from Shellpoint and FHA/HUD - I was assured that I had two months to allow for the transition and not to worry - I made a payment on XX/XX/XXXX - via phone via their automated system. After a week of waiting for my payment to be pulled from my bank account, I placed a call they claimed that they showed a payment and that when they attempted to pull the payment from my account- they were informed that I did not have an account- with the bank ( which was not true ). They then tried to asked for my bank account information- and I declined and immediately called my bank- only to learn that Shellpoint never attempted to pull the funds, they never contacted my bank to inquire about my having an account - Note : these funds were in my account and had been sitting in my account for at this point about 16 days. On Shellpoint 's paper it looks like I attempted to make a payment for funds I did not have- which is untrue and misleading. After this call, I spoke to my bank and they helped me to establish a online account to send guaranteed funds - I did immediately - that day and waited for an updated statement from Shellpoint that never came. I made my XXXX payment to Shellpoint on XX/XX/XXXX - I have since learned that they credited my mortgage on XX/XX/XXXX the same day that they sent a demand letter indicating that I am in default this letter conveniently did not reflect the payment credited to my account for the month of XXXX and sited me also do for a partial payment for XXXX. Note : My payments are due on the XXXX of each month and past due after the XXXX of the month. Today, I received statement from them with a {$30.00} fee attached for " XXXX XXXX XXXX '' this also should never have happened. - It feels as though I am being targeted and that after 22 years they are attempting to take my property. At present : XXXX - I am only past due for a partial payment for the month of XXXX roughly {$720.00}-
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting to the credit bureau that I have a loan with them for {$24000.00}. I did not authorize or requesting this loan. During the period of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I was XXXX. I could not have requested or signed any documents for this loan. This account was opened fraudulently. Im requesting this be investigated thoroughly and removed from my credit report. I have tried disputing this using XXXX XXXX. Now proceeding to the next step.
Product: Student loan

I was consolidated without my knowledge into some consolidation program that doesnt offer public service forgiven  ess.
Now I am trying to reach the Department of Education to credit for all those years I paid under the consolidation and they are refusing.
I have been paying for his loans for 20 years and if he needs the forgiveness I need to start all over with another 120 payme  nts in order to get the forgiveness. As a veteran of the  XXXX   XXXX  I would expe ct our government to treat me with the same respect and service I have given them..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a live single human being typing this narrative! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACOUNT # XXXXXXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX Have violated my rights XXXX 

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 an 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 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 the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding LVNV Funding, LLC, for violating federal consumer protection laws and reporting inaccurate, unverifiable information to the credit reporting agencies. LVNV Funding has listed an account on my credit report that has not been validated as required by law.

Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681i and FCRA 1681s-2 ( b ), furnishers of information must ensure that all data reported to credit bureaus is accurate and complete. LVNV Funding has failed to provide proper validation of this debt, including original contracts, proof of ownership, and itemized statements. Therefore, reporting this account is unlawful and inaccurate.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I have the right to request validation of any debt. LVNV Funding has not complied with this obligation, making their actions a direct violation of my consumer rights.

If LVNV Funding can not provide proper and complete validation of the account in question, they are required by law to remove the account from my credit report immediately. I am requesting a full investigation into LVNV Fundings reporting practices and insist that the account be removed from all credit bureaus ( XXXX, XXXX, and XXXX ) within 30 days as mandated under federal law. 
Failure to address this matter will result in further legal action to protect my rights. I trust the CFPB will investigate this issue promptly and ensure LVNV Funding adheres to all applicable federal laws.

I appreciate your immediate attention to this matter and look forward to your resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my credit monitoring service that I have a 30 day late payment being reported to all three credit reporting agencies ( XXXX, Equifax and XXXX ) by XXXX XXXX XXXX from XX/XX/2019. I have never been 30 days late with this company as long as I've had an account with them so I immediately contacted TD XXXX XXXX to clear this matter up and they sent me a Credit Reference Letter on XX/XX/2019, which shows I have a stellar payment history with no late payment history on my account. As a result of this erroneous information being reported, my credit scores have taken a major nose dive and my credit rating impacted. I am distraught and disappointed that the information hasn't been updated as stated by XXXX XXXX XXXX and I request 30 day late payment be removed immediately from my XXXX, XXXX and Equifax file as it is inappropriate and inaccurate and it could also impact the excellent relationships I have with other creditors.
Product: Debt collection

Received Collection Notice from Credit Collection Services ( CCS ) XXXX XXXX XXXX XXXX, MA XXXX XXXX on XX/XX/2022. 

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Amount : {$290.00} For XXXX and XXXX XXXX at an address in XXXX XXXX XXXX XXXX XXXX, California XXXX Note : I live in XXXX Florida and have for the last 65 years. 
Contacted CCS and was advised to contact XXXX XXXX directly. 
I explained to both companies that this was clearly a case of ID Theft. 

Contacted XXXX and they sent me a XXXX XXXX which was submitted on XX/XX/2022. I demanded proof of how and who opened the account and XXXX sent me the last billing statement XX/XX/2022. ( Not proof just the statement ). 

Submitted information to XXXX XXXXncluding ID, XXXX XXXX, ID Theft Affidavit, etc. 
XXXX responded that I needed to submit a Police Report. I responded to XXXX that I needed additional information to file a police report and I did not receive a response and have not received any further communication or information. 

Subsequently, CCS reported the " derogatory '' debt to all three major credit bureaus on XX/XX/2022. 

Neither XXXX nor XXXX XXXX has responded to repeated requests for more information. 

I have subsequently submitted a dispute with all three credit bureaus and completed ID Theft information with each one.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did 4 hard inquires in 4 days. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.  There is no reason they should have pulled my credit 4 times in the same week. This is causing a hardship and I need to have these inquiries removed. I have reached out to the company with no results. Please assist
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Department, Pursuant to Section 609 of the Fair Credit Reporting Act ( FCRA ), I am disputing the following accounts as they do not belong to me. If you can not verify these accounts with legally sufficient documentation, they must be removed immediately. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 609 Request : Under 15 U.S. Code 1681g, I demand all records, applications, and contracts associated with these accounts. If no such proof exists, these accounts must be deleted immediately.

FCRA Section 611 Request : According to 15 U.S. Code 1681i, you must conduct a reinvestigation within 30 days and remove any unverified information. If you fail to do so, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action.
Product: Checking or savings account

We wrote Capital One on XX/XX/XXXX directing them to close our account and have the funds mailed to us. After not receiving a check, we called on XX/XX/XXXX and were told they didn't receive our letter. We closed the account by phone on XX/XX/XXXX and were told by XXXX that a check for {$11000.00} would be sent in 3 business days.. We never received a check. We called on XXXX and were told a check was mailed on XXXX. We called again on XXXX and were told that the check was not mailed on XXXX but rather on XXXX. We called again on XXXX and spoke with supervisor XXXX XXXX ID # XXXX ) who said check was mailed on XXXX, he would put a stop pay order on it. We called again on XXXX and were told for the first time we had to submit a notarized Affidavit of lost check. We executed it and returned it by fax the same day. We called on XXXX and spoke with XXXX XXXX ID # XXXX ) who did not see our Affidavit. We called again on XXXX and spoke with supervisor XXXX XXXX ID # XXXX ) and were told our affidavit was rec 'd on XXXX. He promised to get back to me, but didn't. He told me we could write a complaint letter to the Office of the President of Capital One. We sent a certified letter to the address he gave me on XX/XX/XXXX and never received a response ( although we rec 'd the green card back showing the letter was received ) .. We called again on XXXX and were told that they were supposed to mail us a check on XXXX but supervisor XXXX says it looks like it wasn't mailed. He promised someone would call me within 24 hours but no one did.
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. 
XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX  Acct XXXX - XXXX, XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX Dept ED Acct # XXXX, XXXX Dept ED Acct # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, lf after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Was apart of a class action lawsuit against M & T for illegal car repos and was awarded money. Was told that they were not to report anything negative on credit report. Car has been paid off since XXXX, 2022, however, still reporting a repossession on my credit report every month and late payments, when the account has been paid off and closed. This must be removed immediately.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir /Madam I am a customer with Td Bank under mortgage loan XXXX XXXX for property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received the attached Escrow Account Discloser statement dated XX/XX/XXXX as it was printed XX/XX/XXXX. BUT I RECEIVED IT BY MAIL XXXX. ( I do not understand why it was printed XX/XX/XXXX and it took a year to mail to me on XX/XX/XXXX?? ). The Statement showed escrow shortage amount XXXX otherwise my monthly payments will be interrupted and changed, however I contacted customer services to make full payment amount of {$1200.00} by wiring from my personal bank account, and it was deducted from my bank account. 

The surprise is on XX/XX/XXXX ( JUST TWO MONTHS LATER OF MY ESCROW SHOTAGE PAYMENT XX/XX/XXXX ), I received ANOTHER Escrow Account Discloser statement dated XX/XX/XXXX printed on XX/XX/XXXX. The 2nd letter also shoe ESCROW SHORTAGE amount {$2000.00}. 

I contacted TD Bank customer services several times seeking correction or explanation of why my loan account faces escrow analyses TWICE A YEAR while the regulations required once a year analysis NOT EVERY TWO MONTH!. NO ONE WAS ABLE TO HELP ME. All I am looking for is to review my mortgage account since started XX/XX/XXXX through present based on : Full annual payment submitted to insurance companies and city of XXXX XXXX tax assessor office. Remember TD Bank charged me shortage every year, I do not know how it works this analysis. I will attach tax payment to the city of XXXX XXXX since XX/XX/XXXX through present for the above loan number, bank has the insurance payments record. Please help me and have the bank update my payments and provide me with the updated amounts of escrow payments required to be submitted or credit it back to me. 

Thank you. 

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

I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. Despite multiple attempts to dispute and remove these fraudulent items, they persist on my credit report, causing significant financial harm and emotional distress. 

I would like to provide a summary of my efforts to address this matter : I first discovered the presence of fraudulent items on my credit report. Immediately, I initiated disputes with your credit reporting agency, providing all the necessary documentation and evidence to demonstrate that these items are indeed fraudulent. 

Subsequently, I have made numerous attempts to dispute and remove these fraudulent items. I have followed all required dispute procedures, provided additional supporting documentation, and communicated with the creditors associated with these fraudulent items to rectify the issue. 

Regrettably, despite my unwavering commitment to resolving this matter, the fraudulent items continue to appear on my credit report, adversely affecting my credit history and causing me significant financial distress. They have not been removed, updated, or adequately investigated by your agency or the creditors involved. 

This ongoing situation has caused me significant financial hardship and emotional distress. I have diligently followed all dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. I urge you to rectify this matter promptly, as it is imperative for my financial well-being and peace of mind. 

I am well aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I am prepared to take further legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, TX XXXX Phone : XXXX Date of Birth : XXXX Last XXXX of SS # XXXX XX/XX/year> Re : TransUnion, Experian, Equifax To Whom It May Concern, I am writing to request full disclosure regarding the investigation of inaccurate, outdated, and potentially fraudulent information reported on my credit report. Despite my previous requests for investigation, the following issues remain unresolved : Inaccurate information Outdated addresses Fraudulent accounts Multiple names appearing on my credit file Numerous erroneous entries These errors have led to complications in my credit report and may be contributing to account rejections and credit denials. I have requested these items be corrected or removed in the past, but I have not received sufficient information on why these issues persist. Therefore, I respectfully request a full and detailed explanation of the following : 1. How the errors were identified and investigated.

2. When the investigation was initiated and when it was completed.

3. Who was responsible for investigating and reporting the findings.

4. Why these errors were not corrected, despite being identified as inaccuracies or flagged for removal.

As outlined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am entitled to dispute and request investigation of inaccurate or incomplete information on my credit report. You are required by law to investigate the disputed information within 30 days of receiving a dispute notice from me. If the information can not be verified or if it is determined to be inaccurate, you must correct or remove it, as specified by 15 U.S.C. 1681i ( a ) ( 5 ).

Furthermore, the Fair Credit Reporting Act ( FCRA ) mandates that the credit bureaus conduct their investigation in a reasonable timeframe and that they provide me with the results of their investigation and any supporting documentation. In the event that information is found to be fraudulent or unverifiable, it must be removed or corrected immediately.

Under 15 U.S.C. 1681c, credit reporting agencies are prohibited from reporting certain outdated information, such as addresses and accounts that are too old to be considered for current credit evaluations, typically information older than 7 years.

Please provide all documentation related to the disputed items, including the steps taken to investigate, the results of the investigation, and the reasoning for why the requested corrections were not made. This information is vital for me to understand the actions being taken and to ensure that my credit report reflects accurate and complete information.

If I do not receive a response within the statutory timeframe, I will consider further action as prescribed under the Fair Credit Reporting Act and may file complaints with the Consumer Financial Protection Bureau ( CFPB ) and/or the Federal Trade Commission ( FTC ).

Thank you for your immediate attention to this matter. I expect a prompt resolution, and all relevant documentation and updates should be sent to my address as listed above. 

Sincerely, XXXX XXXX XXXX