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

So I signed up and got approved for a {$1000.00} credit line. Best failed to get me my credit card in time and I get a late payment fee of {$27.00}. I ask them to remove the fee because I never had my card to make the payment and when best buy called me to even make a payment I still never had my card and it was already late. A week after I got approved and was waiting on my card. I called THREE times in one week to get it no my new address and they said it was on the way and I never saw it to about a month later. I called my bank to get refunded for the late fee they never took off and the whole best buy account gets pushed back 60 days and boom. So I talk to the lady and she says to me that everything okay you won't get a late fee report to your credit if you pay this amount and I did XXXX $ and my bank claim XXXX . I  made another payment of XXXX $ and till this day I don't know why I did but she claims I had another late fee soI just paid it to cause every time I call them they tell me something different. Now today I found a late payment on my credit report and he tells me it's because of my payment of XX/XX/XXXX that I didn't make a payment. Now, Remember I got approved in XX/XX/XXXX so how come I didn't get my credit card until XX/XX/XXXX and I was calling of XX/XX/XXXX. Best buy is to blame for this for the simple fact I had no credit card to sign up a credit account online to pay them because I ALWAYS pay a month ahead on my credit and poor communication of telling me to pay ahead so I can avoid a late fee.
Product: Credit card or prepaid card

I received emails with my name stating that I had been approved for an account with the business, Money Lion. I've never heard of the company. I was suspicious so I checked my spam mail and I saw an email in there as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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: Debt collection

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, XXXXXXXX XXXX  : # XXXXXXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I authorized two Lyft rides on XX/XX/year>. After they posted on XX/XX/year> the bank charged me again for one of the rides. I notified them of the situation after I reached out to XXXX. They told me its XXXX that added the charge but I complained about the my account being in the negative the night before and the two rides were a combined total posted. But its still one more charge pending that was part of the two rides combined. I noticed this before and got denied my dispute with the companies. But this time I have a transaction history from the merchant to show the discrepancy.
Product: Checking or savings account

Capital one has had some issues with deposit. all of my money is missing and can not pay bills, or get food, called the company over a XXXX minute wait can not get answers online they just keep saying they are working on this issue. 

{$700.00} in deposits missing ( direct deposit )
Product: Mortgage

Shellpoint is fraudulently reporting information to the IRS. Shellpoint is holding my mortgage payments in escrow without my permission. They are not applying payments to my principal or interest. Shellpoint sent me a XXXX for XXXX indicating that I only paid {$3900.00} in interest when in fact this amount should be closing to {$15000.00}. My principal loan amount is at least {$10000.00} higher than it should be. 
In addition, Shellpoint has recorded late fees on my mortgage month after month even though I have never paid a payment late. 
This all started with a Hurricane Irma Federal Forbearance plan. I was given the opportunity to skip payments in XXXX, and was told that the skipped payments would have no affect on my mortgage, my credit, and I would incur no late fees. Without my knowledge, Shellpoint begin the process of trying to modify my loan. I'm being forced into a loan modification. The loan modification documents that I was sent show a principal loan amount of {$390000.00}. The loan amount should be around {$380000.00}. The loan modification documents address that approximately {$26000.00} in mortgage payments are being held in escrow ; however, they do not address if and how the payments will be applied to my mortgage. 
To fix the issue, please have someone call me to explain how the approximately {$26000.00} in mortgage payments will be applied to my loan. Also, please send me a new XXXX  showing the correct amount of mortgage interest in paid in XXXX. All payments should have been applied to my loan. 
XXXX XXXX from Shellpoint and XXXX XXXX from Shellpoint have been awful. They are supposed to be my point of contacts, never pick up, never return phone calls, and can't fix anything. It seems this company is attempting to take peoples homes by way of making this process too difficult to address without legal counsel. I have spent countless hours writing emails, making phone calls, and complaining to the CFPB. The only time I get a return call from Shellpoint is when I complain to the CFPB. I recommend doing the same if you're experiencing anything close to what I'm experiencing.
Product: Credit reporting or other personal consumer reports

Experian ceo XXXX XXXX send copy to. 15 usc1681 b ( 2 ) any negative item that a company reports to your credit report without your written consent is considered identity theft and fraud ( permissible purpose ). 15 usc 1681n if the credit bureaus do not delete your negative items after you dispute them, they will owe you a {$1000.00} per item. Civil Liability for willful noncompliance. 
15 usc code and 1682c-3 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of reception. It has been 30 days and you are in violation of this law because I am a Victim of identity theft!!! Please delete these items immediately. These accounts should not be furnished on any consumer report as they are in violation under 15 usc 1681n permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other. In accordance with the written instructions to report anything or my consumer report which city rights as a federal protected consumer. No constant is identity theft. As a consumer I am demanding that you delete all of these accounts immediately. 

I am a American state national. I have a fee schedule that states I can charge you with {>= $1,000,000} for billing my trust plus {>= $1,000,000} each for racketeering and fraud {>= $1,000,000} plus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continually blocks me from obtaining disclosure of my consumer file also known as " file disclosure ''. XXXX XXXX 2017, I discovered Equifax was blocking me from purchasing my consumer disclosure file. XXXX, Equifax repeatedly declined my requests for my file disclosure when I called Equifaxs automated system XXXX. Equifax stated I am sorry ; our records indicate we recently completed an investigation of your credit file and sent you an updated copy. We are unable to send you an additional copy at this time. Alarmingly on XXXX, the numeric portion of my current address was changed without my request. Alarmingly, on XXXX, I had not yet mailed my one and only dispute received by Equifax on XXXX XXXX 2017 via certified mail # XXXX XXXX XXXX XXXX XXXX. <P/><P/>Evidently, someone other than me, made an unauthorized dispute in my consumer file prior to XXXX XXXX 2017 and I never received results of the alleged completed investigation from Equifax. I suspect I am a victim of fraud. Furthermore, I suspect that my consumer file has been mixed with someone elses information. Note that Equifax continuous failure or refusal to provide me disclosure of my consumer file serves to further expose me to fraud/identity theft and harm. <P/><P/>Further to my dispute of addresses received by Equifax via certified mail # XXXX XXXX XXXX XXXX XXXX , I received Equifax file dated XXXX containing results of reinvestigation. However, Equifax did not provide me a consumer report, which is a clear violation of the FCRA. <P/><P/>On XXXX XXXX 2017 and XXXX XXXX 2017 I sent Equifax, XXXX XXXX XXXX, XXXX, GA XXXX via overnight express mail, correspondence with money orders # XXXX and # XXXX payable to EQUIFAX for the express purpose of providing me disclosure of all information in my consumer file under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681g. I never received the requested file disclosure or response. <P/>On XXXX XXXX 2017, I opened a case # XXXX against Equifax with Better Business Bureau ( BBB ) to complain about Equifax failure or refusal to provide me my requested consumer file disclosure. I never received the requested file disclosure or response from Equifax. <P/><P/>Subsequently, I learned that my money orders # XXXX and # XXXX were cashed. However, I dont yet know who cashed the money orders.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$830.00} I have tried resolve this issue several times no results they cant prove the account is associate with with these is stopping me from applying for a home and car according to 15 U.S.C 1681 there shouldn't be any damages on my report its defamation to my character
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I was scammed by someone claiming to be a Navy Federal Credit Union ( NFCU ) representative after I received what looked like a notification from NFCU notifying that someone was using my card. ( see attachment of screenshot of phishing text received ) After I declined that it was me, I received a call from the same number as the NFCU number asking for me to verify my identity by reading a code sent to me by email. I was under work duress and didn't fully understand what was being sent to me, but it ended up being the code to reset my password. 

I was unaware that I was not speaking to an actual NFCU representative, but a scammer. After that they then transferred me to another scammer who said that someone was using my account as a mule to launder money and that I needed to transfer the laundered money to one of their representatives via XXXX XXXX. At that time, they were posing as Navy Federal Credit Union on XXXX XXXX which later changed to a different user. ( See screenshot of XXXX XXXX scammer user account AFTER transactions occurred. ) Throughout all this, I was never formally notified by NFCU that a loan had been taken out in my name. I did not sign a loan agreement and I had no idea that the money I transferred was actually a loan of {$9000.00} they took out under my name. The scammers, under the guise of NFCU representatives, were advising me to transfer the money out, telling me that it was " laundered '' money. I was only able to transfer {$4900.00} of the " laundered '' money to them and when they realized I couldn't transfer the rest they said they'd call me back later. 

On XX/XX/2023, at about XXXX XXXX, I called NFCU and they told me that it looked like fraud. NFCU conducted an investigation and even after they admitted it was fraud, they said that I was still obligated to pay the other {$4900.00} to them because I had " Participated '' in the scam. I was NOT a participant ; I was a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WHO I SAY I AM. NO ONE IS WRITING THIS FOR ME. I NOW KNOW MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. 
I CREATED and sent a certified letter to you that you were violating my rights as a federally protected consumer under Title 15 Chapter 41. I demanded that you delete the alleged accounts that I never gave you written instructions to furnish pursuant to FCRA 15 USC 1681b ( a ) ( 2 ). I also wrote in the certified letter that I am not requesting for you to start an investigative consumer report!! Yet, on 8/25/21 you responded that you will " investigate ''? Let me remind you, pursuant to 15 USC 1681d ( d ) PROHIBITIONS : " A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. '' I DISTINCTIVELY SAID I WAS NOT REQUESTING AN INVESTIGATIVE CONSUMER REPORT AND I SURELY HAVE NEVER GAVE YOU CERTIFICATION TO DO SO. 
But if you so insist on doing an " investigation '' Congress defines what a Investigative Consumer Report is pursuant to 15 USC 1681a ( e ) : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THE CONSUMER reported on or with others with whom he is acquainted or who may have knowledge concerning any items of information. HOWEVER, such information SHALL NOT INCLUDE SPECIFIC FACTUAL INFORMATION ON A CONSUMER 'S CREDIT RECORD OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM A CONSUMER REPORTING AGENCY WHEN SUCH INFORMATION WAS OBTAINED DIRECTLY FROM A CREDITOR OF THE CONSUMER OR FROM THE CONSUMER. '' YOU EQUIFAX RESPONDED TO ME ON XX/XX/21 THAT " AN INVESTIGATION WITH THE FURNISHER HAS BEEN INITIATED ''???!!! Well pursuant to 15 USC 1681a ( e ) that is a violation of my rights again. 
Unless you are going to be interviewing my neighbors, friends and associates, your " investigation '' is null and void!!
Product: Debt collection

False verification debt owe collection by agency. There is no signed contract, agreement or justification of debt.
Product: Debt collection

Stellar recovery had reported into my credit saying that i owe XXXX {$240.00}. However, i had pay this bill with XXXX and even XXXX had confirmed that this debt had been paid off and should not been reported in to my credit.
Product: Credit reporting, credit repair services, 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. 
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 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 Balance : {$4800.00}, XXXXXXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXXXXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX Balance : {$5000.00}, XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Vehicle loan or lease

I bought a new XXXX XXXX  XXXX from the dealership and signed a contract to pay them x amount. I now, 5 months later, owe more than I borrowed from USAA Federal Savings Bank in XXXX XXXX, XXXX   and have made no principle payments while I put XXXX miles on the vehicle. Hard to say but it's probably close to $ XXXX in principle and equity I have lost. The only options I had for payments for the past 4 months was to pay the entire balance until this week where I can now start making regular payments, every 2 weeks. I have called USAA 5 times about this with no resolve. I heard it is illegal to charge someone interest without giving them the option to make payments and bring the balance down. They did not give me that option. They took the dealers check, which still didn't solve the problem and used it to make the first 4 months payments on the additional amount I never borrowed???????? Even then the balance was still more than what I borrowed. They tried to blame the dealership but they received from the dealership a signed contract with the balance due and should have never charged me anything over what I agreed to pay, nor should they have been charging me interest on anything over the past XXXX XXXX months. To this day I have never been able to get the balance due down to the original loan amount. This is completely unfair and there's nothing I can do about it. You need to change the laws to protect consumers. Tell everyone in the country that if this happens to them there's nothing they can do about it if they live in another state as their bank headquarters. It's completely ridiculous. Or you need to change the law and not allow people to use out of state banks for this reason. Now the bank won't even talk to me about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENT THAT IS NOT TRUE AND 2 ACCOUNTS THAT SAY CHARGE OFF. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is inaccurately reporting that the XXXX XXXX was 120 days late in XX/XX/2019 when the balance has been paid in full ( balance {$0.00} for more than 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two hard inquiries on my report from synchrony bank. 

SYNCHRONY FINANCIAL Inquiry : XX/XX/XXXXXXXX  SYNCHRONY FINANCIAL Inquiry : XXXX XXXX, XXXX  Both of these should have been a soft pull for pre-qualify for an account. And the hard pull would be if I accepted the offer. That is not the case.
Product: Credit card or prepaid card

A XXXX XXXX " the Bank '' credit card was opened in my name without my permission as a result of my XXXX account being hacked. A purchase of {$2000.00} as made on the card without my permission. The fraud investigation process with XXXX XXXX is a joke. The claim was denied without the Bank even contacting me in person to gather facts. When I contacted the Bank to inquire of the claim status, they told me the claim was closed because I gave out my personal information ( so the card could be opened in my name ). That NEVER happened. I do not believe the Bank followed due diligence to fully investigate before denying my claims. The claim was just denied.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX XXXX ), ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists accounts listed below : XXXX XXXX XXXX NA Account Number : XXXX Date Opened : XXXX XXXX, XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX  I Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX  Inquires XXXX XXXX XXXX be removed : XXXX : XX/XX/XXXX XXXX Card : XX/XX/XXXX XXXX Card : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've listed a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 u

nder 15 USC 1681. 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 informatio
n relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.