23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My property went into foreclosure and earlier this year I applied for a loan modification that I CAN afford but my servicer, Shellpoint, denied it claiming they never received my financial statements that I have proof I sent them. This is a horrible company! 

Then over a month ago, we requested documents from servicing file from Shellpoint that I allowed to have under TILA. They keep giving me the run around. 

All I want to do is keep my house!
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account Name Midland Credit Managem Account Number XXXX
Product: Credit card or prepaid card

I always paid my account on time, and yet they closed it. 
it does not seem fair that I pay my bills on time and still get treated so poorly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXXXXXX. 
Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Debt collection

I am deeply concern that an account that was already disputed with the original service provider XXXX  XXXX has shown up on my credit report. This account is a HIPPA violation. I request several time for a invoice of services. I never got that from either XXXX  OR XXXX XXXX XXXX. I fail to see where XXXX is in compliance with OHIO LAW 1319.12 ORC Taking assignment of debts. ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : ( 1 ) The assignment was voluntary, properly executed, and acknowledged by the person transferring title to the collection agency.

( 2 ) The collection agency did not require the assignment as a condition to listing the account, bill, or other evidence of indebtedness with the collection agency for collection.

( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

( 4 ) Upon the effective date of the assignment to the collection agency, the creditor 's account maintained by the collection agency in connection with the assigned account, bill, or other evidence of indebtedness was canceled. ( G ) Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section 1317.031 of the Revised Code and 16 C.F.R. 433, as amended. I need this account to be deleted immediately until all OHIO LAW requirements are meet as well as FDCPA standards are meet!
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding my recent experience with TransUnion, in which I submitted a dispute for information on my credit report. Despite providing all relevant documentation and following the necessary steps to dispute inaccurate information, TransUnion has failed to update or resolve the issues I raised. 

I submitted my dispute with TransUnion, providing clear and detailed information about the discrepancies. However, they have not taken any action to correct or address these issues. To date, there has been no change or update made to my credit report, and the response I received from them provides no indication of any progress on the matter. 

For your reference, I have attached the response I received from TransUnion, which fails to address my concerns adequately. It seems that they have not investigated or resolved the dispute as required by law, leaving me with unresolved inaccuracies on my credit report.
Product: Credit card or prepaid card

In XXXX I received convenience checks from Chase to get 0 % until XX/XX/2020 so I needed to pay off a bill with the green sky so I wanted to increase my credit limit from $ XXXX {$10000.00} .. I called and they approved my credit increase it was excepted through my statements and my digital app! ..after I used the check to XXXX XXXX XXXX  XXXX A month later chase dropped my Credit line back down to {$7700.00} saying it wasnt approved properly. after I paid the amount now I am over my credit limit and my credit score took 100 point drop.. my credit score was good like a XXXX and now is like XXXX they told me that I would have to reapply which doesnt make any sense because my credit score is already ruined also they did a hard inquiry to approve the increase which means if I reapply that would be too hard inquiries which is also damaging to your credit report XXXX I tried calling and nobody could resolve my issue saying that I would just have to reapply I dont understand why I should be penalized for something somebody did or didnt do from Chase ..
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 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
Product: Credit card

So I have a Discover credit card. On their online banking service, they have the option to request a Credit Limit Increase. Whenever I got to that page, it asks for income, employer, and monthly housing payment. Below that is the following message : '' After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent. Below that message, it says Submit '' or Cancel ''. Now, maybe I am naive, but I took the message In these cases, we will proceed with the application only with your consent '' to mean that in cases where they need to pull a credit report, they will specifically ask me if I want to proceed. I think that is a reasonable interpretation of the verbiage. Anyhow, I proceeded with this under the impression that if Discover wants to pull a new CBR -- -- and thus cause a hard inquiry ) they will ask me for my consent. Well, when I hit the submit button, Discover immediately responded with Congrats, you 're approved ''. There was no screen after hitting submit that asked for consent to pull a Credit Bureau. I thought ok, that was easy, no problem. '' Later that day, I received an alert from my credit monitoring service that there was a hard inquiry from Discover on that very day on my -- -- CBR. I did n't put in any other requests or applications. When I approached Discover about it, they either did n't understand me, did n't understand their own system, or simply refused to acknowledge the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Transunion via mail over a month ago and havent received a response to my letter. Today Ive contacted Transunion for a representative and today my rights were violated. I spoke with the fraud representative name XXXX at XXXX XXXX. Ive asked for these things to be removed exchange for not being reported to the CFPB if these things were removed immediately. I was consistently harassed about send in a police report. Also was told TransUnion has the right to report anything. I then asked where does it state that thats whats needed in the FDCPA? And I stated TransUnion is currently in violation and stated the following violation below * 15 usc 1681 a ( e ) * 15 usc 1602 ( i ) TransUnion has no right to report false or inaccurate information. 

Im telling you to remove the following items from my credit report.
Product: Credit card

I have encountered several incidents of financial identity theft dating back since XXXX 2014. As of XXXX 2014 a credit card was applied for online using my personal information. I was made aware of this per phone calls I received regarding non-payments. I did not apply for this credit card nor do I know where it has been used.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : 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 XXXX
Product: Mortgage

The mortgage company ( Chase ) is going to force us to take their insurance in 21days from their notice dated XX/XX/17, though we have our insurance already. Chase Bank claim that the insurance we have does not satisfy them because the property address on our insurance is incorrect. However, the address we have is correct and what they have is incorrect. 
Our property address is : XXXX XXXX XXXX XXXX, XXXX CA XXXX, which is on our property tax bill and on escrow closing paperwork. 
Bank is claiming, our address should be : XXXX XXXX XXXX XXXX, XXXX CA XXXX There is no XXXX XXXX XXXX in XXXX. 
We have been telling them many times, but they keep telling us they will force us to take their insurance if we do not change to incorrect address. Documents we sent them few times are attached. Thank you very much.
Product: Money transfer, virtual currency, or money service

XXXX Roadrunner financial I paid my loan of {$11000.00} off. 
They then took a second payment ( unauthorized ) of an additional {$11000.00}. My bank account is in the negative due to this. I can not pay my other bills. 
All they can say is that it was a system issue this is a lot of money just taken from my account without consent that I did not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint in reference to Credit Acceptance Corporation ( CAC ). They are reporting my auto loan account as open. This loan was paid off by the insurance company on XX/XX/XXXX. How can they report an open account with no monthly payment amount listed? Also the open and term dates are reporting inaccurate. They have it listed on XXXX  : High balance {$15000.00}, Current balance : {$14000.00}, payments made : {$1400.00}. Report date XX/XX/XXXX, Open date XX/XX/XXXX. Late payments {$0.00}, their reporting as over 120 past due. So within a two year timeframe, their saying I only paid {$1400.00} towards my balance. This is an auto loan not an revolving line of credit. Each credit report is reporting something different. I will attach a screenshot of the reports to support my claim. I would like this company to be removed of all three of my credit reporting agencies. Then see attached documents I have lawyer office saying I owe them for the same auto loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : - ; 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  If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score cant be retrieve on my annual credit report
Product: Debt collection

On XX/X/17 I received a notice in the mail for an alleged amount due of {$600.00} to XXXX. I have no idea what this is. Per FCRA, please provide validation of this alleged debt owed.
Product: Debt collection

I received a call from a gentleman regarding an outstanding debt to my place of employment. After I explicitly informed him of why the debt was outstanding and disconnected, I received yet another call to my employer 's line. Only this time it was a recording and has been occurring on an ongoing basis for several weeks. Calls have also been placed to my mobile device ; however, I have been able to block them successfully.
Product: Credit card or prepaid card

The credit card company ( Capital One ) closed this account as I requested. The company had a data breach in XX/XX/2019 which impacted the services they provided on this account. 

Now I receive a message from the credit card company telling me that a payment is past due on this account and they are expecting payment. 

How can they do this when the account is closed?
Product: Mortgage

I have a mortgage with Bank of America that I thought I had paid on XX/XX/2020 for a payment due on XX/XX/2020. 

After further investigation, it seems that the payment did not process. Therefore, I was notified the evening of XX/XX/2020 that I had a late fee and if I did not pay my mortgage immediately I would be reported to the credit bureaus. 

Not once did I receive any communication prior to XX/XX/2020 that I had missed the mortgage payment on XX/XX/2020, nor did I receive a notice on the day that a late fee would be charged ( XX/XX/2020 ). I did, however, receive an email on XX/XX/2020 that mentioned there was a statement available. In that statement it listed the overdue fee and late charge, HOWEVER in the email there was no statement or understanding that funds were outstanding or a late fee was already being charged. 

This is misleading communication and clearly violates XXXX in that it is deceptive.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and would like them remove Account nameXXXX 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 U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Also states a consumer reporting agency can not furnish a without my written instructions 15 U.S.C 1681 s-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 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.
Product: Vehicle loan or lease

I received an email on XX/XX/XXXX for none payment. I schedule the payments myself when I first purchase the car over a year and a half ago, on GM web-site, to be made the XXXX of every month. 
The automatic payment didn't go trough and I did not knew the reason, I used the text service from GM to communicate with a representative and get this resolved. I also use the email service from GM to email a representative and find out the issue. But I was not able to resolve it, as it was like the representatives are either not paying attention to my concerns, or doing something else at the same time ... it was very hard for me to explain again and again the same issue I finally call GM on XX/XX/XXXX at XXXX XXXX, I talk to XXXX XXXX ID XXXX. She was very professional, but for some reason, she did not understood that I was worry about identity theft, after she told me that the automatic payments was cancel by me, the customer. 
So, I make a new automatic payment setup, now for the XXXX, because the system didn't allow to go back in order to make the new and now due payment. 
I never been late and I'm in top of my credit. I'm worry about been reported as late and also worried about some one else canceling my automatic payments. 
I believe now there's two payment setup and I can not cancel any payment because I'm afraid to be late and cancel payment can not be done by any representative. It's very frustrating!
Product: Credit reporting

I have been trying to rent an apartment and when the landlord checks the credit report and evictions, an eviction from  XXXX  is coming up my on my record, but this eviction was dismissed and sealed in court on  XXXX   XXXX ,  XXXX . The case number  XXXX .
Product: Credit card or prepaid card

I completed a balance transfer of {$4800.00} on XX/XX/XXXX to a Capitol One credit card. I selected this card as it was advertised with no interest on a balance transfer for 12 months and called to confirm this was the case before completing the transfer. I have just received my first bill and was charged an interest rate of 23.74 % on the balance transfer. There is no reason I would have completed this if this was the situation explained to me as it is beneficial to me in no way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute your reporting of an alleged debt on my credit report. I deny the date of the alleged debt, and I am not admitting to it. Additionally, you are re-aging the debt on my credit report, and your accounting of the alleged debt is inaccurate. 

The alleged debt was sold to a third party and I successfully defended myself in court against the third party for lack of assignment and inaccurate accounting. Additionally, the statute of limitations ( SOL ) has passed, and the debt is no longer legally enforceable. 

Your continued reporting of the alleged debt is a violation of the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my creditworthiness. The FCRA prohibits the reporting of inaccurate information and requires that accurate information be promptly updated or deleted. 

I demand that you immediately cease reporting the alleged debt on my credit report and remove any inaccurate or incomplete information associated with the debt. If you can not provide proof of the alleged debt or the accuracy of your reporting, I demand that you remove the account entirely. 

I also demand that you cease all communication with me and third parties. 

See 15 U.S. Code 1681 ; 15 U.S. Code 1681c ; 15 U.S. Code 1681s-2