23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/XXXX, Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX and TransUnion credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, under the account number XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, another XXXX XXXX XXXX  personal credit account opened at XX/XX/XXXX, under the account number XXXX, an account opened at XXXX on XX/XX/XXXX with a an account number XXXX, an account with XXXX  opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX, opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX  XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX  XXXX opened on XX/XX/XXXX with an account number XXXX, an account with XXXX XXXX  opened on XX/XX/XXXX with an account number XXXX, and a XXXX  XXXX bankruptcy, which has never been confirmed by the courts and I have not filed with a filing date of XX/XX/XXXX, as well as fraudulent inquiries of my credit report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached 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, 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 US Federal Trade Commission that all of the aforementioned consumer credit
Product: Credit reporting, credit repair services, or other personal consumer reports

EXCEEDED 30/60/90 DAYS VIA NO RESPONSE FROM CREDIT BUREAUS : XXXX  : USPS TRACKING NUMBER : Tracking Number : XXXX Scheduled Delivery by SATURDAY XX/XX/XXXX by XXXX USPS Tracking Plus Available Status Delivered XX/XX/XXXX at XXXX XXXX Delivered, XXXX XXXX XXXX , TX XXXX To : FRAUD DEPARTMENT, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, United States Tracking Information : Delivered : XX/XX/XXXX XXXX am EQUIFAX : USPS Tracking Number : XXXX Your item was delivered at XXXX XXXX on XX/XX/XXXX in XXXX , GA XXXX. 

Status Delivered XX/XX/XXXX at XXXX XXXX  Delivered XXXX, GA XXXX FRAUD // IDENTITY THEFT // FRAUD EMAIL // PHISHING ATTACK CAPTURING CONFIDENTIAL PERSONAL DATA. Fraud Applications And Accounts Established Via My Personal Credit Portfolio.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the lack of action taken regarding my previous dispute concerning the XXXX  account appearing on my credit report. Despite my prior demands for immediate resolution, this disputed account remains on my report, tarnishing its accuracy and reliability. 

Once again, I must emphasize that XXXX has failed to provide any valid evidence or documentation confirming the legitimacy of the disputed account. This absence of substantiation directly violates the Fair Credit Reporting Act and undermines the integrity of the information reported by your bureau. 

Furthermore, the unauthorized closure of my existing XXXX account and the subsequent opening of a new account under the XXXX brand without my explicit consent represent egregious violations of my consumer rights. These unilateral actions must not be tolerated, and the associated accounts must be promptly rectified. 

I demand immediate and decisive action : Remove the disputed XXXX account from my credit report without further delay, as it lacks validation and violates the Fair Credit Reporting Act. 
Eradicate any inaccurate or unverified information linked to the disputed account from my credit report. 
Ensure strict compliance by XXXX and related entities with consumer protection laws, including obtaining explicit consent before making changes to consumer accounts. 
Implement robust measures to prevent similar occurrences in the future and safeguard the integrity of the dispute resolution process. 
Failure to comply with these demands will leave me with no choice but to escalate this matter through all available legal avenues. The persistent presence of this disputed account on my credit report damages my financial standing and constitutes a grave injustice that can not be overlooked. 

I expect an immediate response outlining the steps taken to address these issues and a timeframe for their resolution. Your prompt attention to this matter is crucial, and any further delay will be deemed unacceptable. 

Thank you for your urgent consideration and anticipated cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the several written requests that I had sent, there were no changes done on my credit report that I had previously disagreed with. This is unacceptable on my part since I am planning to take up a new credit soon and these items are hindering me from getting new credit. 

I have tried to dispute the late payments and I have not been successful. 

Account : XXXX XXXX XXXX XXXXXXXX {$49000.00}
Product: Mortgage

Since, I filed my complaint near the beginning of XX/XX/2021 today XXXX XXXX shellpoint is continuing to harass me. They know in XXXX of 2021 XXXX XXXX my bankruptcy attorney sent them a letter stating my bankruptcy had been paid off it is called a discharge letter. Shellpoint, continuing to a debt collector not a mortgage company refused to put my address in the system correctly causing me to get behind on payments now sent a inspector out to my house today to take pictures. Proving they are trying to steal my home from me. They are using illegal debt collector practices. I've contacted there attorney Monday telling him the issues he sent them a email expressing for them to fix the issue this makes 4 cfpb complaints against shellpoint in 2 years of service. Shellpoint, is a debt collector not a mortgage company listen to their recording when you call to make a payment. Violation of bankruptcy code for a debt collector to have the loan in the first place
Product: Credit reporting or other personal consumer reports

Today on XX/XX/year> I noticed my credit score went down by XXXX points on Experian, due to missing an affirm payment for XXXX. XXXX never notified me that I was late or missed a payment- they have all of my information on file. I contacted XXXX, and they informed me that they never reported to Experian that I made a late payment. I initiated a dispute with Experian, but this should have not even appeared on my credit report. This account is improperly coded. It is currently coded as CFA, but it is a BUY NOW, PAY LATER ( BNPL ) account and is not meant to be factored in current scoring models, according to Experian. 
I contacted Experian, and they will not remove this from my credit report, and will have to " investigate the dispute ''.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate blocking and deletion of several accounts on my credit report that were opened fraudulently as a result of a data breach. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I assert my rights as a victim of identity theft and request that the following accounts be permanently removed from my credit file : XXXXXXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # : XXXX Opened : XX/XX/XXXX Balance : {$13000.00}
Product: Credit card

My wallet was stolen with my Western union XXXXcard inside. 
I filed a loss report right away with the Local Police and then with Western Union. 
Western Union declined to return my funds -- nearly {$3000.00} -- saying that they did nothing wrong do n't have to return my money. I was told that I should have called them first instead of the Police. The police that the thief on video taking my wallet and then using the card to purchase items. I called them as soon as possible and gave them the transactions that had been incurred by the thief. They ran them and paid them anyway. 

I have appealed to WU XXXX times, contacted Iowa XXXX XXXX, Iowa Attorney General and was then referred to your organization. 

I called your offices first and spoke to someone most helpful. She told me that I had taken the correct steps and that I am indeed entitled to my funds back -- less {$50.00}. 

This money is my Social Security money and I had been waiting for several months. This is my first payment. I 'm losing my house because I 've not had these funds to pay on my mortgage. 

Western Union on behalf of XXXX declined to return my funds. Please help me get the money back. 

I feel like I 've been robbed by them. Not only by the thief.
Product: Debt collection

I pulled my credit report and noticed that a collection account from Zions Debt holdings and Im am not aware of the debt or have any knowledge of it. This company is also not bonded or insured to collect debt in my state of Florida.
Product: Money transfer, virtual currency, or money service

XXXX confirmed in XXXX way call with Wells Fargo Bank and scammer that fraudulent activity as happening on my account. 

XXXX filed claim with Wells Fargo Bank for fraudulent activity. 

Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX requesting to speak with supervisor/ investigators. Advised to pull the call on XX/XX/XXXX between real Wells Fargo representative and scammer. Requested fax or email to send proof that the fraudulent call came from Wells Fargo number. Advised under Regulation E ; should be protected. 
- On every call Wells Fargo would not allow me to send proof of scam. They would not allow me to speak with investor. They advised twice a supervisor would call, no one ever called. They would not listen to the recorded call in XX/XX/XXXX. 

XXXX received denial. Requested to file an appeal. Was advised, if they file an appeal, the same outcome will happen. They would not reopen claim.
Product: Debt collection

Midland - open case- I called to dispute - they filed garnishment against me through XXXX XXXX XXXX XXXX {$5400.00} Asset Acceptance - I called to dispute - they filed garnishment against me through XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX - I called to dispute - they filed garnishment against me through XXXX XXXX XXXX XXXX {$3100.00} XXXX - they filed garnishment against me through XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX - I called to dispute a debt - they sent me a statement trying to collect a debt {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I called to dispute a debt - they sent me a statement trying to collect a debt {$450.00} XXXX XXXX - I called to dispute a debt - they sent me a statement trying to collect a debt {$670.00} Well an XXXX XXXX XXXX I called to dispute a debt - they filed garnishment against me through XXXX XXXX XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I called to dispute a debt - they sent me a statement trying to collect a debt {$450.00} XXXX XXXX XXXX I called to dispute a debt - they sent me a statement trying to collect a debt {$730.00}
Product: Mortgage

I was already approved for a short sale. SLS requested a sale date while I had a complete application. They are on purpose not processing my short sale. They forced me to file a bankruptcy. This is a notice of error in the processing of the short sale option for me, XXXX XXXX XXXX, for the above referenced property, named as the borrower in this document. I was approved for a short sale option on or about XX/XX/XXXX. SLS has shown a pattern of practice by committing multiple errors on this file. SLS is dual tracking and making me submit multiple RMAs unnecessarily. SLS has consistently requested new sale dates instead of requesting that the sales be canceled indefinitely. SLS further committed additional errors by opposing my sale cancellation for the sale scheduled on XX/XX/XXXX which forced me to file a bankruptcy therefore damaging me even more. As a direct result of these errors, I am suffering consequential damages including but not limited to the costs and expenses of having to continue carrying the mortgaged property, and by my inability to sell the property to a ready, willing, and able ( funded ) buyer.
Product: Payday loan, title loan, or personal loan

on XX/XX/2021 and XX/XX/2021, Big Picture Loans, limited ran my credit report without my consent. They allowed an individual, other than myself, without verification, to run my credit report.
Product: Checking or savings account

I received a notice that my Wells Fargo password had been changed. I do not have a Wells Fargo account that I am aware of beyond a store credit card. I have no online access to any accounts. I then received an email that my new Wells Fargo debit card was in the mail to me. I have never opened a checking account with Wells Fargo. I know Wells Fargo has been forced to pay multiple billions of dollars in settlements in the past for unauthorized opening of checking accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX issued me a check for {$30.00} which was owed to me due to a remaining balance on a credit card that I once had. XXXX XXXX also issued a 1099-C in 2020 for the {$30.00} because they had also discharged any debt owed on that card. However XXXX XXXX continues to report his credit card debt incorrectly to Experian which causes negative harm to my overall credit score. Source : XXXX : XXXX can not XXXX? XXXX Per the following article in XXXX XXXX  Can not Issue 1099-C And Subsequently Try To Collect. The issuance of the 1099C establishes that a debt is no longer owed. When a consumer no longer owed a debt to a creditor the creditor can not reports to any credit bureau that a default exists and that same consumer is still obligated to pay it. 

Courts have ruled in similar cases in favor of plaintiffs who sued a bank that issued a 1099-per IRS guidelines yet still sought to collect. XXXX XXXX has settled litigation in a class action over this practice of issuing 1099C, asserting it is a tax matter, yet still subjecting the consumer to collections : https : XXXX
Product: Credit card

I spoke with a sup XXXX on XX/XX/XXXX and was was told that if I paid XXXX I would be update however after doing more research, I discovered the following : I filed a complaint on XX/XX/XXXX regarding incorrect information that was provided to me by Prosper card. Per the company 's response they advised my autopay for the minimum amount was setup ( XXXX ) and I could continue paying on the balance of XXXX until it was paid off. However they took out XXXX from my account on XX/XX/XXXX and their response was that because my credit limit is XXXX ( which it is incorrect, it was XXXX when the card was closed ), and with the balance still owed of XXXX it makes it 280 % ( per XXXX XXXX ) over the limit of XXXX. The card was closed on XX/XX/XXXX or XXXX and the credit was XXXX, however it seems they intentionally/maliciously lowered the credit limit on a closed card to XXXX so that I was " over the limit '' and per their agreement it allows them to take the balanced owed. 

I have included their email responses as well as the a screen shot of my XXXX credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX the credit bureaus are not updating my credit correctly, even do the creditors are saying they are reporting them. the only thing that show is the hard inquiry but never the approved loans and the payments, in attach is a letter from XXXX XXXX XXXX XXXX  dated on XX/XX/XXXX that all information is being reported but in effect my credit reports do not reflect the reality of the case. I'm being punished on my credit score and my chances to get good rates on financing because of this issue.
Product: Credit reporting or other personal consumer reports

violated my Federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.. Account name... ..XXXX XXXX XXXX ... Account XXXX XXXX ... Account Name .... XXXX XXXX XXXXXXXX ... Account # XXXX ... Account Name .... XXXX XXXX XXXX ... XXXX Account # XXXX .... Account Name .... XXXX XXXX XXXXXXXX ... XXXX Account XXXX XXXX ... Account Name ... XXXX XXXX XXXX .... Account # XXXX ... Account Name ..XXXX XXXX XXXXXXXX XXXX XXXX .... Account # XXXX ... Account Name... XXXX XXXXXXXX XXXX XXXX .... Account # XXXX .... Account Name... XXXX XXXXXXXX XXXX XXXX... Account # XXXX .... Account Name .... XXXX XXXXXXXX XXXX XXXX ... .. Account # XXXX .... Account Name .... XXXX XXXX XXXX XXXX XXXX XXXX. Account # XXXX. 15 U.s.c 1681 section 602A. States I have the right to privacy ... 15 u.s.c 1681 section 604A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions .... 15 u.s.c 1681C ( A ) ( 5 ) section states ' No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than record of convictions of crimes which antedates the report by more than XXXX years.. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding late open accounts on my credit report and express my frustration with the multiple unsuccessful attempts to have them corrected. Despite numerous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open accounts on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. 

The presence of these inaccuracies not only undermines the accuracy and integrity of my credit report but also poses a serious threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not accurately reflect my credit behavior. 

Furthermore, the lack of progress and communication regarding the status of my disputes has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the repeated failure to correct these inaccuracies, leaving me feeling disregarded and powerless in protecting my financial interests. 

I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open accounts from my credit report. Additionally, I request transparent communication and regular updates regarding the steps being taken to address these matters. 

Given the urgency of these issues, I urge you to prioritize their resolution and expedite the correction process. Any further delay or lack of communication will compel me to escalate this complaint to relevant regulatory authorities and pursue all available legal remedies to seek redress for the harm caused to my creditworthiness and financial standing. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate steps will be taken to address my concerns. With this, I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX  XXXX Balance Owed : {$39000.00}.
Product: Student loan

I have been approved for a discharge for the college at XXXX XXXX in XXXX. Nothing has happened since. 

Also, another college I went to, XXXX XXXX had closed. They keep saying I withdrew and was not on a leave of absence. They are lying. I kept them up to date on everything after having XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I have sent them proof from the surgeon saying I could not XXXX. I was in the XXXX XXXX XXXX and could not deal with XXXX I need help with this. I have sent them many other documents. The fact is that they withdrew without my knowledge. I would have never agreed to that. They are being very untruthful. Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

COMPANY XXXX XXXX IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY CONTINUING TO REPORT NON PUBLIC INFORMATION. ON XX/XX/XXXX, IN WRITING, I OPTED-OUT OF REPORTING FROM XXXX XX/XX/XXXX, AND SAID COMPANY IS STILL NOT RESPECTING MY CONSUMER RIGHT EVEN AFTER OPT-OUT NOTICE. 

XXXX XXXX IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING : -PRIVACY ACT OF 1974 GUARANTEES PROTECTION OF MY PERSONAL INFORMATION -CODE OF FEDERAL REGULATION TITLE 16 CHAPTER 1 SUBCHAPTER C PART 313 GRANT ME THE RIGHT TO OPT OUT.

-TITLE 15 UNITED STATES CODE 6802 PRESCRIBES CONSUMER PROTECTION FROM AFFILATE AND NON AFFILIATES OF XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My information was used to apply for auto loans and credit cards. I was impacted by the XXXXXXXX XXXX leak. My public benefits have been stolen on multiple occasions in the past 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.