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

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX  11 POTENTIALLY NEGATIVE MONTHS Credit usage 100 % Balance {$610.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account charged off. {$610.00} written off. {$520.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$520.00} Highest balance $ 618 Monthly payment - Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments Account closed at credit grantor 's request Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX/XXXX   XXXX****, XXXX/XXXX XXXX****, US DEPT ED  XXXX****, US DEPT ED XXXX**** , XXXX XXXX****, XXXX/XXXX XXXX XXXX XXXX****, US DEPT ED XXXX****, XXXX XXXX**** , DPT ED/XXXX XXXX****, XXXX/XXXX XXXX****, XXXX XXXX XXXX****
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 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 Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$54.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt belongs to someone who lives in North Carolina. In fact, a North Carolina address is now showing up on my credit report. I have never lived in North Carolina.
Product: Mortgage

My home was designated in flood zone last year, i am not escrowed and i segured my own Flood insurance policy on XX/XX/XXXX and provided XXXX mortgage with the policy. I had to resumit due to an error in the mortgage clause. 
I later received a reimbursement of the policy premium without an explanation, I continued to pay my mortgage as usual and then for XXXX XXXX my mortgage paymet was increased without communication. When I called in I was told that it was a new procedure to escrow the new insurance coverage for a year and that I would be reimbursed at the end of the year if there is an escrow overrage. 
The flood policy was {$700.00} which I paid in full. {$200.00} x XXXX = {$2400.00} They are escrowing {$200.00} a month for 12 months which equals double what the premium us. This has never happened. 

I wish to keep paying upfront for my flood policy and be removed from the escrow as this is a burden to me on a monthly basis.
Product: Mortgage

Shellpoint mortgage is a horrid company which lacks structure or ethics. This is part two of my original complaint. The first time, my account was setup on autopay. The account never drafted the subsequent payments, athough the first two payments drafted fine. After a lengthy phone call and being told they could not understand the problem, I was told everything was fine and my account was current. Then I received a letter today, XX/XX/XXXX, statiny my account is past due and they will begin to accelerate my loan. Again, this is unbelievable since I have made multiple phone calls and received emails and spoke to representatives. I was told I am 100 % up to date, and my issue has been resolved. I believe this to be either incompetence or retalitory, as I am refinancing my home and Shellpoint will lose this mortgage. Not only did I pay everything at one time, I followed up to ensure that the XXXX autopay draft took- it did, and my account showed up to date and additional principal payments applied. NOW they state they will begin to accelerate my loan AND that I owe {$130.00} in fees- or I'm not even sure what. Then, they misplace several payments, and send me three pages that made no sense explaining where everything went. How is this company permitted to stay in business? They are predatory, unethical and incompetent. I have never paid a mortgage payment late, and I have multiple mortgages. This is the ONLY company i have ever had an issue with, and they should be shut down for fake fees and misappropriation. Attached find the documentation, sent to me five months after they took over my loan, and now are charging me fees and threatening me when they clearly have made these mistakes as shown by the ridiculous transfer of my funds all over the place. I also tried logging into the site on XX/XX/XXXX, and the server was down and I could not get in. I then tried the phone number of XXXX and was told that nobody could help me, I had " just missed them '' even though it was inside the business hours printed on the default and intent to accelerate notice.
Product: Credit reporting

I have been in written communication for the past six months or more with transunion. transunion has been reporting several inaccuracies on my credit report. the inaccurate information on my report is preventing me from getting an apartment and credit. when i reached out to transunion they sent me a letter stating that the information was verified. I then sent another letter with information that supports the inaccuracies that was sent by certified letter twice and still no response. It was to my understanding under the Fair Credit reporting act. that if any information is reported inaccurately it must be removed. I have XXXX accounts that are not being reported accurately. The accounts in question is XXXX XXXX XXXX and the XXXX XXXX is XXXX accounts in question.. The issue I have withe the reporting and validating the account is that they did n't validate the account. I have asked the company to give me written proof of my signature that i have open the account and they could n't provide this to me so how did transunion validate this account. the date that account first premier claim to be open is showing a different date than what transunion is reporting. also the amount that is claimed that i owed is not being reported correctly the payment history as well not being reported at all or incorrectly. on all these grounds these ground I want transunion to immediately stop reporting this account. Now as for the second account. transunion is not reporting this correctly as well and i want trans union to immediately stop reporting on this account. Transunion claims that this account is valid however they have yet to send me proff of it 's validilty when i reached out to fingerhut they advised that they sold the account. so first off if this account is sold trans union should not be reporting this as a fingerhut account/ I was told that midland credit services has this account and that fingerhut is no longer responsible. XXXX services when i reached out to them advised, that they received the account they reported on the account however after receiving my formal written dispute about this fingerhut account. XXXX decided to immediately cease reporting this account. So why is transunion still reporting a sold account that no longer belongs to the original owner. They are awre that a company can not buy back and an account once it has been sold so why is this account being reported as such. Transunion has failed to " validate '' this account with these error and therefore I am executing my right for the third and fourth time to has transunion stop reporting these accounts immediately
Product: Credit reporting or other personal consumer reports

Prime example ask them to fix my report to provide me with a report and I disputed the score they are giving lenders a score of 4 and they send my twin brother a copy of his I'm so fed up with all XXXX  bureau s
Product: Vehicle loan or lease

California auto finance had repossed my vehicle and is not giving me a right to reinstate and purposely not giving me my right to pay and get my car back they keep telling me that they no longer have the contract to my vehicle and that my account is no longer with them and telling me that there's is no way I can get my vehicle back. They had told me that my car was back with the dealership that I bought it from and is breaching the contact I had originally signed the employees that work at this business were all told by the managers that when I call in to get info on it to advise me that I need to talk to the dealership cause they have no info on it. My car was repossed on XX/XX/2023 I've made several attempts to cure my debt and make things right but this company is refusing me
Product: Student loan

For the last ten years, I have faithfully made each of my student loan payments while following all of the prescribed guidelines to fulfill the requirements to qualify for the Public Service Loan Forgiveness Program ( PSLF ). After successfully completing the required 120 payments, and submitting the proper paperwork to FedLoan servicing I have received non-answers or have been given conflicting information regarding the status of my application for forgiveness. Since XX/XX/2019, I have been working with FedLoan to have my loans processed and forgiven. For four months, it appears that no meaningful work was completed and only as of XX/XX/2019 was my information sent to the Department of Education for further processing. The lack of clear communication between FedLoan and the Department of Education is beyond frustrating. And to add to the frustration, when speaking to representatives with either FedLoan or the Department of Education ( Federal Student Aid ) they say that the other office/department is responsible for the processing of my application for PSLF. This whole situation is extremely frustrating, for 120 months I have done my part and lived up to my end of the bargain regarding PSLF and now that I have surpassed the 120 payment mark, I have been left to hang out in the wind. I can get no information as to the status of my application and when I can anticipate a payoff date. I am trapped in my current job because, due to the requirements, I have to remain employed by a non-profit organization to receive the payoff via PSLF. This entrapment is now having a financial impact on my longtime earnings potential. I need to know when my loans will be forgiven!
Product: Credit reporting, credit repair services, or other personal consumer reports

So on XX/XX/XXXX my XXXX XXXX account which has been closed since XXXX ( debt ) was reaged by the company to XX/XX/XXXX. I disputed this error and transunion refuses to update or even attempt to get the right close date from the company the information is inaccurate and should be removed due to FCRA regulations also it was reaged which is illegal it should be removed. I have disputed multiple time with transunion and talked to higher authority in their departments it still is refused to even be looked at or disputed they just go through the motions click a few buttons and not even look into it. And everytime i call to point it out they say oh well we will dispute it for you when i have already disputed it multiple times and rhey refuse to investigate alot of information on my account is innacurate. Like they allowed a XXXX year old credit account to be reaged as a collection on my account know it was going to drop off soon ( XXXX XXXX ) and fail to fix that as well. The account was sold to another company and they reported it after XXXX years on my credit report as new so now its stuck on there for another XXXX. They fail to work with consumers only helping themselves and creditors.
Product: Credit reporting or other personal consumer reports

I understand that FCRA 605B requires us to remove incorrect accounts from my credit report. Can you check the documents? Some of the accounts listed have incorrect reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

Just put according to this law this company has violated my rights 15 U.S. Code 1681B - Inquiries 15 U.S. Code 1666 - Late Payments 15 U.S. Code 1692g - Collections 15 U.S. Code 6802 - Charge Offs
Product: Credit reporting, credit repair services, or other personal consumer reports

They took more than 30 days to investigate my case they must remove any items in questions according to the FCRA. YOU MUST DELETE XXXX XXXX  {$21.00} ACCOUNT IMMEDIATELY!!!
Product: Mortgage

On XX/XX/XXXX, the mortgage company ( HomeLoanServ ) claimed to have sent me an escrow overage check. I never received the check. I contacted HomeLoanServ in XX/XX/XXXX because I had become XXXX earlier in XXXX and wanted help while I was applying for XXXX. Meanwhile the mortgage company was sitting on this payment. They did not send me the check or apply the amount to my mortgage. In the meantime, they denied my requests for forbearance and continued trying to foreclose on my home. In XX/XX/XXXX, I realized that the escrow overage was never given to me and contacted the company. I had to be quite aggressive before they would listen and apply the amount to my mortgage. The escrow overage check was more than 365 days overdue, far past the 30 days allowed by law. HomeLoanServ still holds the interest they collected on my escrow overage and they refuse to remove the late fees that would not have occurred had they originally applied the escrow overage to my mortgage in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is not my account, and I did ask for a validation and they never sent me one and I never had a account with this company and it is still reporting on my credit report. I will refer to the 15 u.s.c law 1681 this is not fair nor accurate and for XXXX after reviewing it on my credit they never evaluated my credit worthiness. It is reporting to my XXXX and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified that there was a new CREDIT INQUIRY on my credit report- pulled by Capital One. Ive not applied for a Capital One card nor did I give permission for them to pull my credit. This is a hard inquiry and I want it removed
Product: Checking or savings account

I took over the care of my XXXX who has XXXX. I spoke to my bank before depositing her check into my account. I was told it was ok to do so on XX/XX/XXXX so I did. On XX/XX/XXXX the check cleared and the bank froze my account. I brought my XXXX into the branch with me and they stated they would be closing my account and will be sending our money in the mail. I was totally confused because I was in the process of adding her to my account and I've never had any problems with my account. They closed my account on XX/XX/XXXX and told me several times on the phone I would get the funds. My last conversation with them they informed me I would not get the money from my account and would not communicate with me further.
Product: Mortgage

Appraisal was completed on XX/XX/XXXXfor removal of PMI and came back with my LTV being 75.6 %. Company states that I need to have 75 % for removal of PMI when 80 % is the correct amount. Customer service supervisor mentioned I should file a complaint if I do not agree with this.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX of XX/XX/2021 and XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer or Fraudster ) DBA : XXXX XXXX, with the design, development, manufacture, promotion, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my XXXX XXXX XXXX XXXX account via wire in the total amount of XXXX USD utilizing your services Scammers Account Number : XXXX
Product: Credit reporting

No person on the phone would help me resolve this issue. I called XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I tried to get my free credit report from Transunion at XXXX.com because I had identity theft. Transunion sent an online message saying I had already received my free credit report, but this is not true the person at the XXXX phone number confirmed this. I had only ordered from XXXX last year. So I was forced to pay {$18.00} for XXXX days on XXXX/XXXX/2015 which should be free for XXXX days. They will not refund that money
Product: Debt collection

Re : Collection of previously negotiated bill from Jefferson Capital SYST Dear Consumer Protection Bureau, XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX Statement shows up on an XXXX credit report as trying to collect a bill - Account number XXXX - about which I originally Contacted XXXX to remove from my reports, as that account was paid in full and this was years ago. 

I would like to suggest that XXXX and Jefferson Capital SYST eliminate the paid XXXX bill and I would appreciate having the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX
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 XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : WESTLAKE FIN, Account name : XXXX XXXX XXXX ( original creditorXXXXXXXX XXXX XXXX XXXX XXXX Account name : I XXXX XXXX  ( original creditor : XXXX XXXX XXXX  ), Account name : XXXX XXXX ( original creditor : XXXX XXXX XXXX ), Account name : XXXX  XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a letter from California Business Bureau back in XX/XX/2020 requesting a payment of {$300.00} and change. I contacted them and escalated the matter to a XXXX by the name of XXXX XXXX to explain to her that this charge is wrong, unauthorized, and I have the proof from the doctor at XXXX who was trying to help me resolve it ( attached ). Ms. XXXX asked me to send her the proofs which I did in my email dated XXXX ( attached ) to look into this matter. On XXXX I got a notification from my credit bureau that there's a collection on my bureau ( attached ) and my credit score dropped by 80 points. I called California Business Bureau left multiple unanswered messages to Ms. XXXX today XXXX. Finally they transferred me to Ms. XXXX XXXX. She acknowledged having received my dispute and documents back in XXXX, and acknowledged that they have not sent me any form of communication in response ( no email, mail, phone call, text message ... nothing ). They did not even try to collect the money since then. Instead they went straight to the bureau and ruined my credit. She offered to make a payment and she would " remove the collection from my bureau '' to " help me ''. I didn't trust that this is possible, I was willing to pay something I don't owe for them to restore my credit. I felt helpless. I asked multiple times why didn't anyone send me any communication in response to the dispute since XX/XX/2020? No explanation given other than " it's your credit sir ''. This is too much power that no-one should have over any person. I am glad to find that I do have a recourse by filing this complaint.
Product: Checking or savings account

XXXX XX/XX/XXXX ( TUESDAY ) To : CFPB From : XXXX XXXX XXXX : Bank of America Acct. # : XXXX XXXX Denied 1, Refer to XXXX XX/XX/XXXX ( Tuesday ) CFPB Complaint. 
2. XX/XX/XXXX Bank of America retaliated and closed my checking and savings accounts. CFPB closed the complaint # XXXX regarding this issue without it being resolved by Bank of America. I was not informed by the bank of the closing of accounts. 
3. Bank of America Online : Access Denied : XX/XX/XXXX- Present. 
4. Bank of America reinstates account XXXX XXXXXXXX, but, denies me access. Example : XXXX XXXX opening accounts without informing the clients. See attached : Bank of America access denied. 
5. Bank of America : sends out a Bank of America Statement dtd. XXXX XX/XX/XXXX to XXXX XX/XX/XXXX. Note : XXXX XX/XX/XXXX to XXXX XX/XX/XXXX is a month + 1 day. 
6. Bank of America : Deposits and other additions : {$28.00}. XXXX XXXX is not aware of the account ( XXXX ) being reinstated, nor deposits made by Bank of America. 
7. Bank of America : XX/XX/XXXX Withdraws the {$28.00}, FORCE CLOSED ACCOUNT. 
8. Bank of America Email : Your Balance Connect for overdraft protection preferences have been updated. See attached. How can Bank of America have an overdraft protection with my name attached to the account, when informed in XXXX my accounts were closed ( see previous complaints. ) This is fraud. See attached XXXX XXXX. 
9. The fake reinstated did replace the POD. 
9. Bank of America : Has denied my request for bank records for the years : XXXX and XXXX. 
End.
Product: Credit reporting or other personal consumer reports

I had a new car loan from Capital one Auto finance Vehicle was involved in Accident I owed more on the Vehicle than the insurance paid, I kept making payments until they offered a lower payoff to satisfy the debt which I accepted, however on the Credit Report Capital One Auto Finance is showing that the whole loan in the amount of XXXX was written off I have asked that they remove they remove that information and they have not done so as XX/XX/year>