23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My mortgage was recently sold to Nationstar Mortgage. I am a month behind on my mortgage and have been since before they bought it, I have discussed this with them several times, they know my situation and that I am working to resolve my delinquency. However, since they purchased my account, they have been in nothing but a dogged pursuit of me because I am a month behind. I was receiving relentless phone calls until I blocked their number, I get letters in the mail it seems like every other day, emails, most recently text messages and now they 've had people showing up at my door. I am not in default of my loan, I am a month behind and trying to get caught up, I have told them this several times. This kind of abuse is ridiculous, cruel and needs to stop, it should be criminal for them to harass people like this, especially when I am trying to work with them. The real kicker is that my mortgage was included in my bankruptcy in 2011. If I am not mistaken, I do n't believe they should be calling or harassing me at all as a debt collector. In addition to the abuse, they have begun submitting negative " hits '' on my credit report, I do not believe they can do this either? I have also seen additional fees, I presume they are borne out of financing their harassment regimen, but I do n't believe I should be responsible for those either? This company is out of control and needs to have someone with the ability to end their bullying, do just that, END THE BULLYING. I hope I did n't go through the process of writing this complaint for nothing, please do something to end the abuse of hard working middle class people that have found themselves momentarily down on their luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit ( XXXX, Equifax and XXXX XXXX ) report and i noticed the following late payments. 

XXXX XXXX XXXX XXXX DEPTEDXXXXXXXX DEPTEDXXXX DEPTEDXXXX  DEPTEDXXXX  Your company is in clear violation of the law.15 U.S. Code 1681s2 - permissable purpose of consumer report, THE LAW CLEARLY STATES : ( a ) 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 furnish this account on my credit report? 
Furthermore, the FAIR REPORTING ACT15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS, - Except as provided in paragraph ( 3 ), the term 'consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transaction or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation15 U.S. Code 1681.
Product: Mortgage

Please refer to case # XXXX. Realize that I have gotten XXXX different excuses from fortren funding and the title co, I Abstract on the whereabouts of my cashiers check in the amount of $ XXXX.First it was towards the title fees, Then I was told that XXXX failed to pay my taxes, then I was told that I spent the disbursement money for something else.Be advised that XXXX does n't have a clue to what he is talking about because he had nothing to do with this loan at the time.XXXX XXXX who stated that he was the Sr. loan officer taking this over on behalf of XXXX who I started this process with..It turns out at this time that the Title Co.in fact however discovered, that cashiers check did get lost and I should be expecting that check back according to XXXX at I Abstract Title Agency for the full amount.I was told this on XXXX.Now the funds that I have been paying for the last 18 months towards this shortage is the question of matter on how this gets fixed and recovered.Therefore, If I add up {$200.00} times the last 18 months comes out to {$3600.00}. And this is why I am not going away anytime soon about this factor.This is the reason I am and have been requesting a hearing so we can go over step by step with the proper authority and that the proper protocol was followed. In fact what XXXX XXXX does not want anyone to know is that I was told from him in early XXXX of 2015 not to draft anymore payments from my checking account to XXXX. When I checked my account on XXXX XXXX I was told from XXXX XXXX no action was taken yet and my taxes were still due. I had called XXXX and cancelled this deal immediately for misleading me..At this point is where XXXX XXXX called me up and explained to me that he already spoke to XXXX and that I had a grace period til XXXX XXXX, to pay those taxes in which " I would put the funds out in a cashiers check to the title when she arrives at my home on XXXX XXXX 2015, and that I will be getting most of these funds back in a month or so costing me about {$500.00} in out of pocket expenses '' And " that I should not have a problem coming up with {$2400.00} since I would be skipping 2 monthly payments '' ... I also have this document in writing from XXXX and XXXX XXXX in an e-mail.This is probably why XXXX is defending him and every time I call XXXX to discuss this matter to go over documents he blows me off and pretends nothing happened because the man is running and he is hiding from me ... yours truly XXXX XXXX
Product: Credit card

I contacted Chase Health Advance Credit Card and was told by Chase Representative, XXXX # XXXX that chase is not longer offering Chase Health Advance Credit Card. I advised XXXX a verification of account required by the FCLRA Section 608. XXXX informed me that she would be unable to provide me with the contact I signed to open this account. I requested her for Chase to please send me a letter stating for this negative account to be removed from my credit report ( As per the guidance of XXXX, XXXX, & XXXX ). She replied that Chase will not provide such letter. The end result will be Chase knowingly and willingly not complying with the FCRA and purposely damaging my credit worthiness and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completely disagree with your response to my complaint about a 90 day late reporting XX/XX/XXXX on my student loan. You wrote, " According to our records, you filed your most recent bankruptcy action, XXXX XXXXXXXX, on XX/XX/XXXX. Your Loan XXXX was requested, applied for, and disbursed after your bankruptcy petition was filed. As a result, this loan was not eligible for the bankruptcy forbearance status. '' I absolutely NEVER requested a student loan after a bankruptcy petition was filed. There would be absolutely NO WAY I requested a student loan during or after bankruptcy petition AND I will absolutely involve my bankruptcy attorney to certify. XXXX absorbed my students loans from XXXX graduate program and I applied for and received a private student loan in XXXX for my XXXX XXXXXXXX XXXX. All students loans ever recorded in my name were recorded in XXXX or prior.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an accounts passed on that should be taken out or Block. Per FCRA you are expected to delete this accounts.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX  XXXX Balance : {$1800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX .
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was m
ailed 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 discovered XX/XX/2021 that Home Depot, Citi Bank had reported a delinquency to the credit bureaus. I was shocked because I thought the issue had been resolved. They took the late payment off their records and did not charge me the late fee. My problem as I hold them was that I was not receiving my mail regularly if at all. I have been with them for 30+ years and always have paid on time. When I discovered the ding on my credit I called and they told me I was 31 days late and they had to report it. The amount past due was {$10.00}. I am outraged. They say they can't do anything but I know they can remove it.I got a letter XX/XX/XXXX saying they would look into it but when I called they said they could not. The letter asked for all the information they already had. I'm furious!
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which mya violate the XXXX Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Outdated Address from My Credit Report Dear XXXX, equifax, XXXX I am writing to formally request the removal of an outdated address from my credit report. The address in question, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], that address is associate with a family member i never lived there, as I have since updated my residence with the creditor they stated it is not on file my correct address is [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ]. 

Under the Fair Credit Reporting Act ( FCRA ), creditors and furnishers of information are required to provide accurate and up-to-date information to credit reporting agencies ( 15 U.S.C. 1681s-2 ( a ) ). Continuing to report outdated or incorrect personal information, such as an old address, constitutes a violation of this obligation.

To assist in verifying my identity and to help you update your records, I have included the following documents : 1. A c
opy of my government-issued ID showing my current address.

2. A recent utility bill or other official document as proof of my current residence.

I kindly request that you : 1. Immediately cease reporting the outdated address to the credit reporting agencies.

2. Update my personal information in your records and provide confirmation of the changes made. 



Failure to comply with the FCRA can result in liability for damages, as well as statutory penalties. Please consider this letter as formal notice to address this matter promptly. 

I request confirmation in writing that the outdated address has been removed from your records and that this information has been updated with all relevant credit reporting agencies. 

Thank you for your prompt attention to this matter. If you require additional information or documentation. 

Sincerely, [ XXXX ]
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXXXXXX XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts that appear on my credit account do not belong to me. 
Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw a few inquiries which never belong to me. Please remove them from my credit report.
Product: Mortgage

Heloc at Truist was NOT paid off as required at closing. Payoff date was to be XX/XX/2022 as stated in closing documents. Truist directed funding attorney to pay by check when it should have been paid via FED WIRE. My 1st mortgage was paid off by FED WIRE on XX/XX/2022. Both loans were at Truist and the payoffs were a result of refinacing both loans thru another lender.. As of this email, the Heloc has NOT been paid off and now the account # has changed showing principal balance as of XXXX. It has been 8 days that this problem has been ongoing. 

The new lender is XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX XXXX is contact. They are aware but wont/cant help. The title company is XXXX XXXX XXXX in XXXX, XXXX XXXX is contact. The funding attorney is XXXX XXXX. Main office is XXXX, SC but the closing check was mailed out of their Florida office. Supposedly they have mailed another check to Truist as of today. 

I spent 5 days last week trying to get someone to assist me with this problem but to no avail. Truist does not want to help nor do they care. And as far as they are concerned, the loan is still active and accruing interest to them. Time is of the essence. 

Finally, my opinion is that Truist is EXTREMELY NEGLIGENT and either CAN NOT or WILL NOT fix the problem.
Product: Debt collection

On XXXX XXXX I reviewed my credit report and noticed a discrepancy showing there is a collection on my report for a company name First Credit services in the amount of {$970.00}. I immediately called the number listed on my credit report and spoke with a gentleman name XXXX and advised him that I am a victim of fraud and identity theft and please provide me clear copies of the documentation provided to open the account so that I may forward this information to the proper authorities in order to rectify this situation. I was advised to email a letter to their Fraud department in which I promptly sent over the request and followed up the email with a certified letter to the address listed on my report.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for preapproval with CareCredit on XX/XX/year>, to obtain a line of credit. However, my application was denied, and I believe this denial may have violated the Equal Credit Opportunity Act

( ECOA ), which prohibits discrimination based on credit score, credit history, or income unless clearly stated in an adverse action notice.

I received an adverse action notice from CareCredit, but the reason for the denial was vague and did not provide sufficient details. Without understanding the specific reasons for the denial, I am unable to determine whether this decision aligns with ECOA regulations. Furthermore, I have not received adequate information to determine whether the denial was based on prohibited factors such as credit score, credit history, or income.

I am requesting a more detailed explanation of the denial, including the specific reasons for the decision and the factors considered.

I also request clarification on whether CareCredits decision complies with Equal Credit Opportunity Act ( ECOA ) regulations, as the denial notice does not provide adequate justification for the decision. 

As my goal is to obtain a line of credit with CareCredit, I would appreciate your assistance in ensuring that CareCredit complies with federal regulations and reconsider my preapproval application in light of the information provided.
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. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit card or prepaid card

Discover sent unauthorized credit cards in my name to addresses that I haven't lived at to a fraudulent user that illegally used the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter out XXXX XXXX to XXXX, TransUnion, XXXX and the Creditor. Here is my tracking XXXX, XXXX. However, its been more than 30 days and the credit bureaus and creditor failed to send my investigation back. This is not making any sense. 

According to the law 15 USC 1681i Permissible purpose of consumer reports- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer and the notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report online. There was a U S Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, the must remove said information from the consumer credit file. 
The US Bankruptcy Court does not provide information to credit reporting agencies, no do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U S court system due to the Fair Credit Reporting Agency Privacy Law. 
They further stated while they are not liable or responsible for any misuse or incorrect pulbic records, nor the distribution of said information, public records may, and often times are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX Capital one Card inquiry on XX/XX/XXXX