23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have tried to dispute the account with XXXX XXXX XXXX  on my credit report I learned about this account after pulling my credit reports. The credit card was open in XX/XX/XXXX. The amount owed is {$1100.00}. I called the creditor to inform them that I am disputing this account due to identity theft. I sent all the documents needed to prove my case. I did not apply for this credit card. I can also provide proof that I did not apply for this credit card or send payments for this credit card. I then reached out to my monitoring service to see if they could help and they also sent a dispute for me and called the creditor to see if they received documents and was told to fax power of attorney again. I called the creditor after speaking with my monitoring service to see what the outcome and was told they did have all of my documents including the power of attorney. While I was disputing the credit card from XXXX XXXX XXXX and while they were investigating. I received an alert stating I owed a balance and the balance was increasing. I called them to inform them this account was in dispute and why are they still reporting while being disputed and this is illegal. I also received a letter from them stating that they sent me a Fraud Affidavit to fill out again which was already sent as I have informed delivery from the USPS and I can prove they never communicated with me by mail, as the letter states that they sent me the information. I called again on XX/XX/XXXX after receiving the letter and explained to the Fraud Team again this identity theft and to remove the card from my credit file, and the representative named XXXX advised will re-open fraud claim and sent the fraud affidavit again and remove from my credit, however they have failed to do so and the account is in dispute again with credit reporting agencies. Now XXXX XXXX XXXX XXXX states that I didnt get documents to them in time and have sent the account to Sequium Asset Solutions and my Attorney In Fact and POA and myself have disputed the debt.
Product: Mortgage

I have 2 complaints about Shellpoint mortgage, loan number XXXX below. 
Several years ago after the market crash of XXXX, the current loan servicer on my mortgage had offered me a payoff of less than my current balance, not because I was paying my mortgage late, but because I was under water equity-wise due to the recent real estate market crash. Because I did not have the equity or means to payoff the mortgage, I did not accept the offer. Fast forward about 15 years, I now had equity and reached out to Shellpoint/NewRes to see if that offer was still available. I started that process with them and they said they would send an inspector out to the house to look at it. They did not say if they wanted to determine the value of the house or just see that it was well kept. What they did not inform me of, nor did I agree to them charging me {$240.00} for this so called inspection. I complained and their responses were short, basically saying they are not dismissing that {$240.00} charge, which was added to the payoff of the loan when I soon after paid it off. I feel I should be refunded that {$240.00} because I was not informed of the charge and never agreed to it.

The next complaint is that I later sold the property on XX/XX/XXXX and am owed {$2300.00} for my escrow overage as well as the overpayment of the mortgage as requested on the payoff statement received from Shellpoint prior to close. They claim a refund check was sent to me on XX/XX/XXXX, which I never received. I estimate that I called Shellpoint 5 or 6 times after that to get the money sent to me. Every time I call I am promised that I'll have the money directly deposited into my bank account within a few days. Once again, I did not receive it today, XX/XX/XXXX as previously promised. They just give me excuses and wonder why the refund was not issued. I called Shellpoint and got the same response as usual, which is they will file an internal complaint and get my money sent right out. I have no confidence that this will happen in a timely manner. According to the CFPB, mortgage companies have 20 days, excluding holidays, Saturdays and Sundays, to return escrow balances and mortgage overpayments to consumers. It is now 60 calendar days that I've been waiting for my refund. I feel I should not only be refunded immediately, I also feel that I should receive reasonable compensation for this extensive delay and Shellpoint should be fined for this and perhaps their people who handle refunds should be retrained or they should hire more competent people in their organization. Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

My Gemini account has been frozen since XX/XX/23. I was exchanging emails back and forth with support for about a week after the freeze, but haven't heard anything since. I've sent multiple follow up emails with no response. It doesn't appear like there is any phone number I can call either. I have money on my account that I would like to withdraw asap.
Product: Credit reporting or other personal consumer reports

I filed for XXXX XXXX XXXX but was current on my mortgage and intended to keep it. They've updated my credit report as if the loan was XXXX in the bankruptcy. But has been paid accordingly for the last XXXX yrs after bankruptcy was filed and closed. XXXX district law is that no reaffirming of a mortgage loan is needed as long as it's current. I'd like for the loan to report as current on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding a XXXX XXXX  account ( account number beginning with XXXX ) that is being reported by Experian. The account fails to maintain maximum possible accuracy and completeness, as it lacks essential balance history, payment history, and scheduled payment information. This information is vital because the account is reporting alleged late payments that can not be verified through the reporting account itself. 

This incomplete reporting does not align with the requirements set forth in Title 15 USC 1681e of the Fair Credit Reporting Act, which mandates that consumer reporting agencies ensure accurate records. Furthermore, under 15 USC 1681i, I have the right to dispute inaccurate information, which reinforces the obligation of reporting agencies to maintain complete records. 

I have already disputed this matter with Experian ; however, the outcome indicated that the information was deemed accurate, despite its glaring incompleteness. An account can not be considered accurate if it does not contain the requisite details or completed in whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my bankruptcy and the way it is displayed multiple times by letter ( XXXX ) with XXXX. According to the New Public Record Reporting Standards that went into effect XXXX XXXX2018, it was put into place to enhance and improve the accuracy of credit reporting information. According to the new policy, bankruptcies should display minimum identifying information as follows : minimum reporting of name, address, social security number and or date of birth. This discrepancy has a major impact to credit scoring and predictive performance because of the inaccuracies displayed by the inaccurate display of information being reported by XXXX and they refuse to remove it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX : {$1700.00} XXXX  XXXX XXXX XXXX Balance XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

On XXXX XXXX, XXXX Navient place my loan in deferment until XXXX XXXX, XXXX without my authorization. During this deferment period my loan will continue to acrue interest and my unpaid interest will be added to the capital to form a new capital. Can I please get some help in resolving this issue? Are they allowed to do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

i XXXX XXXX am disputing on my own with the help of no one. i have attached my ftc report and disputed please see attached evidence. It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Trying to buy a house and need to get this removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( 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

I am currently XXXX and being supported. I got behind on my payments and called on XX/XX/2019 to see what could be done in order to lower my payments so that I could not get further behind on my loans. I gave them all my financial details and told them how much I could afford to pay. They determined that I could afford more and so told me what the " lowest '' possible payments could be ( enough though it was beyond what I could actually afford ). I sacrificed making other bill payments and also sacrificed groceries in order to come up with the payments that they are expecting me to make. I gave them my banking details and agreed to {$130.00} payments. I get a phone call today ( XX/XX/2019 ) AFTER my first payment was made ( XX/XX/2019 ) and was told that their representative gave me the wrong information ( interest rate ) and that I needed to pay MORE ( higher interest rate ) if I wanted to be accepted into the reduced payment plan.
Product: Debt collection

Ive disputed this account with the credit bureaus and they will not remove this from my report. The young lady I spoke to was terribly rude. Ive called them several times and I even asked if the had the original company phone number and she rated stated that she didnt have that information.
Product: Debt collection

This account isnt mine it was already removed which means its a reinsertion Im asking for the account to be removed from credit report
Product: Credit card or prepaid card

I was given this account when I purchased XXXX XXXX XXXX in XX/XX/2022. The payment was set for {$120.00} for XXXX XXXX at a low interest rate. I set up an autopay from my bank. In XX/XX/2022 the payment was increased to {$140.00} without prior notification. Since I don't use the account for anything else I never thought the payment would increase. When I did discover the problem, I called customer service to find out why it happened. The excuse was the payment was too low to complete the balance in time not to incur accumulating interest. I said that was not my fault. I had to wait for the decision on the refund. I was issued {$40.00} instead of the {$120.00}. There should be a monetary penalty for them.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt collection attempts made by your agency.I am unaware of this debt and have not had an opportunity to dispute it due to lack of proper notification.It is my right, under the Fair Debt Collection Practices Act ( FDCPA ), to be properly notified of any debt before collection activities begin.If you believe that I received proper notification, I kindly ask that you provide the certified mail with a receipt containing my signature confirming receipt of the notification letter. Without such evidence, I dispute the claim that proper notification was provided.Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate the following unauthorized credit card account : I have never applied for or authorized the opening of this credit card account. I want to make it clear that I have never signed or applied for this account. As such, I request that you provide me with documented proof of the signature associated with this account. This proof may include, but is not limited to, a signed application form, a copy of the original contract or agreement, or any other documentation bearing my signature.Furthermore, the reported dates of last reporting and active status for this account are inaccurate. I request a thorough investigation into these discrepancies.This is fraudulent reporting! 
Creditor Name : XXXX  XXXX XXXX Credititor Address : XXXX XXXX XXXX XXXX XXXX, Texas ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX IS NO LONGER CLIENT OF IC SYSTEM, INC THE ACCOUNT HASBEEN PAID IN FULL, IC SYSTEM, INC. IS STILL REPORTING THIS TO MY CREDIT EVERY MONTH AS IF I JUST PAID THIS ACCOUNT. ACCOUNT WAS PAID IN FULL XXXX XXXX. WHEN I CALLED ASKING WHY ARE THEY STILL REPORT TO MY CREDIT REPORT. THE REPRESENTATIVE WAS YELLING AND TELLING ME NOT CALL THEY NO LONGER HAS THE ACCOUNT. THEY NO LONGER SERVICE XXXX XXXX. THEY REFUSE TO REMOVE OFF MY CREDIT REPORT. I CALLED XXXX XXXX I HAVE RECEIVED RESPONSE BACK AS TODAY, I BEENDEALING WITH FOR TWO YEARS OR LONGER. THEY ARE STILL REPORTING AS XXXX XXXX AFTER IT WAS PAID XX/XX/2020 XXXX
Product: Checking or savings account

A check fraud claim was started on XX/XX/XXXX without my consent or knowledge. Then on XX/XX/XXXX caught the error closed the claim taking XXXX out of my account again without my knowledge. 
I didnt know anything had taken place until I received a low balance notification after paying a traffic ticket. 
My account is now negative XXXX and I am missing Important payments because of this error. 
I spoken with reps at BoA. One XXXX was very Rude! Telling me its not your money & you need to manage your as count better Another Rep found and admitted to the problem of filing a claim without my consent or knowledge but stated they cant help me. 
This is virtually stealing from me and cause extreme negative impact on my life. I can eat or pay bills at this time. I would like investigated Immediately. I have been a Bank of America Customer for XXXX yrs and this is the worst experience I have ever had with any bank
Product: Credit card or prepaid card

Hello, I have a Home Depot Credit card ( Citibank ) XX/XX/XXXX I contacted Home Depot after losing my job to explain I needed some assistance and hardship to be able to pay this bill which at the time was a little over XXXX. With some other bills I had my husband and I worked most of them out that I had but Home Depot was very nice to me and advised they have a program I could be in that would automatically withdraw XXXX a month interest free for 52 month. I could pay more but nothing else would be added. So after discussing this with my husband we decided to go that direction with Home Depot. 
I called them back to accept this offer and nothing more was said to me I was in the program. For some reason I stopped getting emails from Home Depot so I called and they mailed statements out. I advised I really wanted them emailed so after that I received nothing however every XX/XX/XXXX they took out XXXX from my account. My husband decided we wanted to start getting more aggressive with paying this off so I called to confirm the balance and to get the monthly charged increased and where we found out they had charged over XXXX in interest since then. I spoke to many supervisors for over a week and they advised there was nothing they could do that was the agreement. This is insane I kept explaining and no one will do anything for me I would have never agreed to this. I was told they told me when I started the program the promotions had to be paid or interest would have been charged. I advised that was NEVER stated in the agreement and they needed to listen to the conversations I had with the agents that I spoke to. They advised they didn't have to because they tell everyone this if getting into a program. If I would have known this I would have confirmed how much had to be paid before the promotions were up and focused on paying that until it was paid. I am so upset about this because this program is a scam to collect more money from the consumer. I am also writing to the Better Business Bureau as well. I hope someone can help me get this resolved I have written to Home Depot with my concerns but they really don't seem to care at all! 

My name is XXXX XXXX address XXXX XXXX XXXX XXXX XXXX OH XXXX CELL # XXXX Email XXXX XXXX
Product: Credit reporting or other personal consumer reports

Its two accounts showing on XXXX TransUnion and XXXX! I demand deletion today
Product: Credit card

In XX/XX/2023, I noticed a charge for XXXX that I didnt make for {$1200.00} that I didnt approve nor do business with. 

Reported the issue to Avant multiple times and they never handled the issue. Now after reporting the issue for a third time, they now have disregarded the matter and still hold me liable for the charge when I never made the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, WELLS FARGO CARD SER XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, MO XXXX Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, MO XXXX Employer - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. It feels to me, like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong person.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed over a dispute letter to Experian disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Experian that was issued by them on XX/XX/year> that they received my dispute but they would not process it because they are assuming it is from a XXXX party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do their job and conduct a proper investigation on the accounts I am trying to dispute. 


Please take note that I am carefully recording all correspondence and I am prepared to file complaints with the FTC and XXXX. If you fail to provide me with the requested investigation, it is my right to seek judicial relief, and I am prepared to do so. Please remember any FCRA violation is up to XXXX per violation OR actual damages. I am emotionally distressed because of your NEGLIGENT actions! This is impacting the quality of my life. 



have attached the letters along with my Drivers license and proof of address.