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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX
Product: Mortgage

In XXXX  I obtained a {$500000.00} HELOC from XXXX, with a 10 year draw period. In XXXX  it was no longer a line of credit, rather a security interest. This was modified in XX/XX/XXXX, and {$150000.00} in Unpaid Principal Balance was deferred until XX/XX/XXXX, resulting in an Interest Bearing Principal Balance of {$260000.00} upon which payments are calculated. Until recently, the deferred balance was not reported to the Credit Bureaus. As of XX/XX/XXXX the entire balance is being reported to the credit bureaus as {$390000.00}, not the SLS Mortgage statement balance of {$230000.00}. 
Serving of this loan was transferred to Specialized Loan Servicing in XX/XX/XXXX. All payments have been timely. SLSs recent report to the credit bureau incorrectly identifies this as a Line of Credit with a Credit Limit of {$500000.00}, neither of which are true. This error resulted in a XXXX point drop in my credit score. 
I have called SLS three times this week requesting they provide the Credit Bureau with the correct information. 

This inquiry is for the following company : Specialized Loan Servicing, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX NMLS ID XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX file number XXXX and XXXX XXXXXXXX XXXX # 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 or other personal consumer reports

I have recently found a collection account on my consumer credit reports ( XXXX, XXXX, and Equifax ) from XXXX XXXX XXXX ( XXXX  ). This account is unknown to me as I have no contract with XXXX. Somehow, XXXX has gotten a hold of my non-public private information and is causing me harm by significantly reducing my credit score. Furthermore, XXXX  does not have my consent to disclose my information and I am informing them that I opt out of them sharing my information. XXXX has also violated the Privacy Act of 1974. 

Per the Fair Credit Reporting Act, as a federally protected consumer, I am now opting-out of any and all authorization I may have given you in any form whatsoever to share my private non-public information and it is my right to do so at any time per 16CFR313.7 ( f ).

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this sub-chapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non- affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.

( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I just recently pulled a copy of my latest credit report. I saw that I had some unauthorized hard inquiries and I do not know where they came from. I believe I am a victim of identity theft and these inquiries are hurting my credit report. I am in the process of purchasing a home for my family and this is hurting my chances of being approved. Please remove the listed inquiries that I did not authorize. 

Your attention to this matter is greatly appreciated. 

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

I was told if I paid the overdraft balance owned on Account ending in # XXXX that the XXXX reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my XXXX report back in XX/XX/XXXX still shows bank of America reporting the debt. I called today XX/XX/XXXX to Bank of america recovery department told them I paid said shows it paid but they can`t remove it from XXXX before I was told the balance was paid it`ll be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reached out to Nelnet in order to exercise my right to " Opt Out '' of sharing my nonpublic information with nonaffiliated third parties. According to two of their representatives, one being a supervisor by the name of XXXX, I was basically told that as a consumer I have no such right. So I even took the time to read what the law states according to 12 CFR 1016.10 ( a ) ( 1 ) ( 2 ) ( 3 ) ( b ) to her, which details how I was supposed to be given such notice at the time of the loan or soon there after, which I have NEVER received.This was quite disturbing to me, so therefore I tried to explain to them that, I as a consumer, definitely have such a right. I also explained the fact that I am NOT trying to avoid my obligation, I just simply would like to exercise my legal right of not having it reported to nonaffiliated third parties as the law clearly states I have the right to do. After we went back and forth about it, she checked with her superiors and returned with pretty much the same answer from them. I'm not sure if everyone there is just simply oblivious to the laws concerning this issue but it is something that really needs to be taught to those who are responsible for the handling of a consumers nonpublic information.
Product: Credit card or prepaid card

I have opened a XXXX credit through Wells Fargo bank. I have used the card only at a few stores. A few weeks later I receiced a text message asking me to verify recent transactions which I did not make nor approve. Additionally, there were several attempts made to use my credit card a week prior by someone else on XXXX XXXX, but I never received communication about that from a bank. The transactions just got denied and I was not notified that someone was trying to make unauthorized purchases. Once I confirmed that the purchases were not authorized, the replacement card was sent my way. Once I received a card, I wanted to activate it but I was informed that it was already compromised. So my card was compromised even before it was activated. In total, I had XXXX XXXX credit cards.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Item passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an 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. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

It should be known that at present time both TransUnion and XXXX are reporting or showing hard inquiries on both of my credit reports that I have no knowledge of, involvement in, or have any complicity in. Nor have I authorized any of the companies to pull my reports which has resulted in hard inquiries to be placed on my reports. My vehicle was broke into and my wallet and phone were stolen awhile back and evidently some one of unknown identity tried to apply for credit in my name and all requests were denied. I never applied for any credit, never verbally agreed to have my credit pulled, and have never signed any agreements or authorizations for any company to pull my credit reports. No contracts, authorizations, or agreements exist on file with my signature with TransUnion and XXXX or any company that pulled my credit reports. I have disputed the inquiries with both Credit reporting agencies and was denied. I have contacted the companies and to date and time, no assistance has been given. Also, all attempts made to obtain credit in my name was done all on line with out any signed consent from or by me. A claim was filed with the federal trade Commission and now this complaint with the consumer financial protection bureau for assistance and relief. No hard inquiries are showing with XXXX at present time and date. A copy of the identity theft form is herein incorporated in this complaint for review also.
Product: Debt collection

Account name SOURCE RECEIVABLES MNGMN Account number XXXX Date opened XX/XX/2022 Status Collection account. {$3.00}, XXXX past due as of XX/XX/2022. 
Status updated XX/XX/2022 XXXX {$3400.00} XXXX updated XX/XX/2022 I have disputed this account numerous times. I did not open any account in XXXX of 2022. I have no recollection of this account. I have tried to contact them multiple times and they refuse to explain account or verify information.
Product: Mortgage

XX/XX/2020 Federal Trade Commission Consumer Financial Protection Bureau re : CHASE MORTGAGE - PROOF of CHEATING Dear Sir/Madam ; Shown below are three of my mortgages with Chase Mortgage, printed out on XX/XX/2020. 

In each case, you can see how Chase Mortgage is cheating its customers. I had called and spoken to a Chase Representative ( see details below ) about all extra payments going towards my principal and NOT being credited to future payments or escrow. The Chase Representative said he made some change in the system for each of these mortgage loans and assured me it would NOT happen again. This was in XXXX, however the very next month you can see Chase Mortgage incorrectly applied the extra payments and is waiting for me to find it and inform them that it is wrong, rather than doing it right the first time. 

Chase Mortgage has a pattern of cheating its customers and I ask they be audited to identify these issues and make them stop these corrupt practices. In addition to this most recent incident, I have a HELOC account with them also, and there too they have misled me in conversations and added all sorts of fees to my account. I have stopped payments on this HELOC account starting this month and am holding it in another account. I need help in dealing with Chase Mortgage, as they dont seem to want to resolve this honestly and accept fault for their mistakes or dishonesty. 

I can prove this behavior of cheating customers and would like some sort of an audit done with their mortgage division to identify the depth and breath of this cheating. My contact information is below, I look forward to hearing from you. 
Sincerely, XXXX cc : Mr. XXXX XXXX, Co-President and Chief Operating Officer, JPMorgan Chase
Product: Credit reporting or other personal consumer reports

according to my credit report XXXX cancelled my debt but it is still reflecting as debt. according to the IRS anytime a debt is cancelled it has to be filled as income on a 1099 c form. so based on what the IRS says it is income not debt. so my credit report is inaccurate. so there's inaccurate information on my credit report that needs to be removed. According to the FCRA my credit report has to be accurate and if its not it must be removed and if they don't they are breaking the law which I can sue. so I am asking XXXX  to remove this account off my credit report because it is inaccurate..The tax impact of debt forgiveness or cancellation depends on your individual facts and circumstances. Generally, if you borrow money from a commercial lender and the lender later cancels or forgives the debt, you may have to include the cancelled amount in income for tax purposes. The lender is usually required to report the amount of the canceled debt to you and the IRS on a Form 1099-C, Cancellation of Debt. There are several exceptions to the taxability of cancelled debt, such as insolvency or bankruptcy. according to the FRCA XXXX Transunion and XXXX must delete this information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Product: Debt collection

I received a credit alert on XXXX XXXX notifying me of a collection account added to my credit report. I don't know anything about the company or the debt that's listed. Nothing has been provided to me about the account or the debt prior to being added to my credit report.
Product: Money transfer, virtual currency, or money service

I was using my Venmo account no different than any other day when I sent my sons mother XXXX dollars for his birthday. If I was to guess Id say she called and made a false report to get my account jammed up. Because Venmo froze my account with {$1100.00}. In it. They proceeded to keep my money after I tried to transfer it multiple times. After reaching out over 20 times to Venmo they finally emailed me simply saying they shut down my account for user agreement issues and they are holding my money for 180 days for loss protection. The money in the account has a clear paper trail from my business. It was transferred from PayPal after a customer paid via PayPal. The money is clearly mine and they are acting like its theirs. Its actually for my customers roof!!! And now I have to either come out of my own pocket or tell my customer Venmo is quite literally stealing our money. Please help
Product: Debt collection

Creditor, Torres Credit, stated they would not report to the credit bureau. Debt was paid XXXX XXXX, account reported to Credit Bureau on XXXX XXXX. Affected my chances of homeownership. Was told repeatedly it was done in error and they would remove the trade from my credit bureau report no later than XXXX XXXX. This account still remains on my credit bureau report today, XXXX XXXX, 2015.
Product: Credit reporting or other personal consumer reports

I was in the process with a realtor at looking to purchase a home and a realtor on her end seen my score was being held back by a balance {$160.00} XX/XX/2024. That card was open so time during the pandemic I was sure whether it was myself or if a family or friend used my information. But I will own it and pay it, so I did. Prior to this I had no knowledge at all that they was hitting my credit with a delinquent code each month with without knowledge or consent. I asked the same day after the payment for a letter and derogatory marks to be removed from my credit report in good faith. They only closed the account and never received a letter and kept it to my credit report. I even asked if it could have been emailed and got nothing. 

Company : XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello, The Coinbase application was used to purchase digital currency. The order was executed and my credit card was charged but in my digital wallet and the reflection of the account within the app does not show the digital currency available. I reached out to Coinbase and did not receive a response with regards to my inquiry. At that time I felt the need to get help from the CFPB.
Product: Credit card

I was denied credit for an XXXX XXXX  XXXX  and I believed this to be a matter of discrimination. I was told that I have to much available credit and not enough available credit.
Product: Payday loan, title loan, or personal loan

I was sent advertisements and offers for loans through this company via email. I guess because I have done other pay day loans I ended up on their mailing list. In a moment of desperation to pay rent, I applied and was approved for {$3700.00} and was told that my payments would be > {$99.00} a month. Well, I have no idea what the interest rate is because they are very confusing and shady about the whole contract. They weren't clear with the terms and so far I have paid over a thousand dollars and only {$200.00} of it has went to the principal. How is this not usury? It should be criminal to charge people this amount of interest. Please help me negotiate something with them. They won't do anything over the phone and no one seems to care when I call that I can't keep this up.
Product: Mortgage

My brother passed away on XXXX XXXX, 2015. I was chosen by him to be the personal representative for the estate and XXXX of the beneficiaries. I had no authority or access to his funds until the probate went through county court. I called several of the companies that my brother did business with and informed them of the situation including M & T Mortgage. M & T Mortgage told me they could not speak to me until I had provided official documents from county court that I was the personal representative. I faxed them a death certificate and asked them to notate on the account that my brother had died. I gave them my cell phone number for any necessary communication about the estate. In late XXXX, I was officially appointed by the court to be the personal representative. I promptly faxed M & T Mortgage the document and waited the required 48 hours for them to process the fax. After contacting them, they claimed they did n't have any records of my fax, so I faxed it again. After waiting another 48 hours, I spoke to a representative. They agreed to waive the late charges under the circumstances and accepted my payment to get the account up to date. I had done everything possible to handle my brother 's obligations. This payment was made before 90 days after the account was delinquent. According to M & T Bank, there would be no foreclosure proceedings before 90 days after the first payment was delinquent. The next payment would be due XXXX XXXX. In the process of going through the house and getting it ready to put on the market, I noticed the lawn had been mowed, the water was shut off, some items were missing from the house, and the door had been re-keyed with some paddle locks on other doors. We corrected this problem and figured a vagrant had attempted to live there. We informed the neighbors and were all prepared to call the police if there were any more intrusions. We proceeded to sell the house. It closed on XXXX XXXX. When we received the payoff quote from M & T Bank it had late fees and XXXX extra charges with no explanation. XXXX charge was for over XXXX dollars. My realtor and the title company were baffled. I called M & T for an explanation and they claimed that I was n't authorized to act on the account. The title company faxed them my documents ( this was now the third time! ) They now claimed that they could n't speak to me for 72 hours. I was faced with a buyer who was in a hurry to close, and a realtor and title company that would be faced with a bunch more work to reschedule the closing. I felt there was no other choice, but to authorize the payment and confront M & T Bank after the fact. Based on the horribly disorganized and possibly shady activities of this bank and the fact that after all this time, I am still not able to talk to them, I am asking for help. It was bad enough that we lost a dear loved one, but now we have to deal with this. I acted promptly and honorably in every situation with his estate. This company appears to want to take advantage of our loss.