23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For over a year I have been paying kinum {$130.00} every month for medical expenses. They automatically draft a check each month that comes out of my checking account. I have a new job and did not have funds available this month. It was an oversight on my part. However, they called today and explained that if I did not pay immediately they would have me arrested for writing a bad check, and would also make the balance due in full. I have been paying faithfully for over a year. One mistake should not cause such an uproar. XXXX was very rude, and would not let me speak. Threatening me with jail time was the last straw.
Product: Debt collection

XXXX credit cards went into collection years ago. The debt collector ( Portfolio Recovery ) sued and won and is now garnishing my wages and still currently is to this day. They still keep trying to contact me and call at all hours of the day to collect the debt even though they are ACTIVELY garnishing me. Im being harassed at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

My purse was snatched with all of my Identification information in it. I called and spoke with a representative and explained what happened. They instructed me to send in a identity theft with the information that was created by the thief to have that deleted from my credit report.
Product: Credit card or prepaid card

I have a bank debit/credit card from Jp Morgan Chase. On XX/XX/XXXX there were 3 charges from a XXXX  in XXXX XXXX. Card was never out of site or possession. It took 10 days to get replacement. You used to be able to go to branch, show ID and get new card. On XX/XX/XXXX, I was up late posting on one of my websites when I see a XXXX charge from. XXXX in California pop across my screen. I immediately call the number on my card. While I am on the phone, I go on my computer and see a second non authorized charge in Delaware and a XXXX cent charge and credit? While I am talking to agent inXXXX I get text from bank re calif XXXX charge, I reply NO, and continue with agent on phone who advises me 2 other attempted charges were made. I have card in front of me. It has not been out of my sight. At this point, I ask if Chase is having Internal Fraud, as having this happen twice in less than 2 months is a bit odd. They know nothing. Well, it, s XXXX. They promised they would expedite card, so I could get gifts, which I did not receive. I also have aotomatic payments being declined for second month in a row. And holidays have pretty much been ruined. And no reply as to what is goong on at bank. Help!!
Product: Mortgage

I wish to formally address the discrepancy between Shellpoint 's response and the notes provided by their customer service representatives. When I attempted to contact Shellpoint to speak directly with a representative from the Compliance Department, I was informed that this department does not accept phone calls and can only be reached through written inquiries. This limitation is highly inconvenient and unnecessarily prolongs the communication process. 

On XX/XX/year>, I contacted Shellpoint and spoke with a representative. During this conversation, the gentleman confirmed that all required documentation, as per Shellpoint 's requests, was present in their database. He reviewed these documents with me over the phone. He further explained that the denial of the modification was due to Shellpoint 's investors not offering modifications for properties classified as investment properties, which is the designation of my property. 

It is important to note that Shellpoint acquired this loan already classified as a rental property with an existing modification from XXXX XXXX XXXX. This pre-existing modification is the reason Shellpoint permitted me to make the three monthly trial payments for XXXX, XXXX, and XXXX of XXXX. Therefore, the denial of the modification by Shellpoint is unjustified, as the modification was already in place when the loan was transferred. 

I hereby request a federal investigation into why a denial was issued for a modification that was pre-approved and transferred with the loan from XXXX to Shellpoint. There are concerns that Shellpoint may have acquired my loan with the intention of facilitating foreclosure or sale of the property by denying the established modification. 

Additionally, I am formally requesting all recordings of phone calls with Shellpoint 's representatives, as these calls contain admissions that a modification was transferred from XXXX to Shellpoint. Furthermore, Shellpoint 's inability to honor this modification due to internal conflicts with their investors must be addressed. 

Thank you for your immediate attention to this matter.
Product: Debt collection

My identity was stolen to open accounts in my name fraudulently. I have already disputed this account and it was removed from my file as not being mine but it was reinserted. The account in question is XXXX XXXX XXXX XXXX XXXXXXXX and LEAD BANK XXXX XXXX XXXXXXXX I have been the victim of many accounts open in my name fraudulently and apart of a data breach that has exposed my information. The address that are on my credit file is not mine and have never lived : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Dear Sir, My wife and I rented an apartment in XXXX, Texas, which was taken over by new management shortly before we vacated. Under the terms of the contract ( which I no longer have a copy of but requested from the collection agency, who refused to supply it, though admitting they have a copy ), charged us {$510.00} for vacating, including keeping our deposit. 
We left the premises as our contract had expired. I gave one month 's notice, though they asked for two months and refused to check the apartment before we left. We left it in good condition, took everything out, and gave the key to a trusted neighbor. 
I have filed chapter XXXX, but it is affecting my wife 's credit report. 
Their methods are totally illegal. As I understand, Texas law allows tenants to vacate at the end of their contract without any problems, nor notice.
Product: Credit reporting or other personal consumer reports

Upon checking with my credit union. I have discovered many hard inquiries on my credit report that I did not authorize. I have only financed through my credit union. These items are inaccurate. I did not authorize. I have not financed anything through these companies or given them consent in any way I am disputing and requesting that these items be removed from my credit report. Here is a list of unauthorized inquiries : XXXX, SANTANDER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XX/XX/2022. Please investigate this matter and delete as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM XXXX XXXXXXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of the current address, Social Security Card, passport, Driver 's License, and Insurance Card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS XXXX  XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WIPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS, DISPUTES, COMMENTS, OR REMARKS LEFT ON THE CREDIT REPORT. 



IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES, ALL SOFT PULLS, AND DISPUTES NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY!

POTENTIAL LAWSUITS LIST COMING 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 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without Written Instructions!! 



XXXX  XXXX XXXX ACCT. # XXXX AND ALL INFO FROM XXXX, XXXX, and Transunion XXXX XXXX  XXXX XXXX XXXX AND ALL INFO FROM XXXX, XXXX, and Transunion XXXX XXXX Account XXXX XXXX AND ALL INFO FROM XXXX, XXXX, and Transunion XXXX Mutual Account # XXXX AND ALL INFO FROM XXXX, XXXX, and Transunion XXXX XXXX Account # XXXX AND ALL INFO FROM XXXX, XXXX, and Transunion XXXX XXXX Account # XXXX AND ALL INFO FROM XXXX, XXXX, and Transunion
Product: Debt collection

In accordance with the fair Credit Reporting act XXXX XXXX has violated my rights. 
! 5 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 A section 2 it also a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from TransUnion there was a hard inquiry XX/XX/22 from XXXX XXXX XXXX I did not apply for credit with this company and want this fraudulent inquiry removed. I received an offer in the mail after this inquiry shows, Offer says " accept your offer at XXXX personal offer code XXXX. I never responded applied or gave my permission to run my credit. This a violation of FCRA.
Product: Credit card

This account is appearing on my credit report along with XXXX others that share the same address. I 've never heard of these companies. I 've written to them asking for debt validation and something with my name on it stating I agreed to do business with them. This was over 30 days ago. I sent the same letter to the credit bureau however they have failed to provide me with anything from these companies as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I met with a loan officer today XX/XX/2020 because I'm in the process of buying a house but when my credit report came back, I was told that I did not get approved for any loan at the moment because there are several accounts in negative standing appearing on my credit history. I didn't even know I had negative accounts on my credit because I have always paid everything on time ; I looked through my report and I saw about seven accounts that I never opened. I don't know who opened those accounts in my name but I did not give anyone permission to do so. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts that I did not authorize to be opened on my behalf.
Product: Credit reporting or other personal consumer reports

I have noticed that the listed account are on my credit report and they are not mine authorized by me and need to be removed from my credit report immediately. XXXX keeps udating account on my report without investigating. I am a victim of a data breach and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

on XX/XX/2020 contacted XXXX at the Executive office to find out that my credit card is still not active. The account states it has a " fraud alert '' placed on the account. On XX/XX/2020 I contacted the early warning fraud department at Citi Bank as directed in the instructions via email. This was then removed upon my bank account information being verified. On XX/XX/2020 I then received a second email from Citi stating the same information, " fraud alert '' was placed back on the account even after previous verification. Upon proceeding to verify my information with customer service again, this time a supervisor, as I escalated the call due to my own suspicions. The account was unlocked and available for one day, I made one transaction for groceries and the account was locked again! I am facing financial hardships due to COVID - 19, not being able to use my account has resulted in a lower credit score for lack of credit usage, and has not allowed me to shop with  convenience. Due to my ethnicity, military veteran status, political campaign contributions, and or credit profile, I suspect this to be discrimination in lending and serious negligence by Citi Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted TransUnion on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the TU inquiry issue. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX   ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX
Product: Mortgage

An appraisal was conducted and a copy of the original appraisal report was not properly turned over to us. We received a copy of the appraisal with black and white photos, when the appraiser submitted the report with color photos. Upon requesting the original copy ( with color photos ), upper management advised that color copies are for internal use only and would not provide any other reason for not providing the original copy with color photos, nor would elaborate on why they could not provide a copy with color photos. It was pointed out that an appraisal with color copies was provided in XX/XX/XXXX, so why couldn't a report with color photos be provided in XX/XX/XXXX ( these are two seperate appraisals ). Upper management refused to answer the question. If the law specifies that a copy must be provided to the home owner, shouldn't it be an exact copy of what the lender has, and in this case that is a copy with color photos.
Product: Debt collection

I moved out of XXXX apartment on XX/XX/XXXX and paid all my utilities and closed my utilities account. 
When I saw there is a debt collection on my credit report, I reached out to National credit systems ( NCS ). NCS said that I did not pay utility bills and the documentation they provided says that payment activity and move-out date was XX/XX/XXXX. I asked them to provide any proof to prove that I stayed at XXXX apartments during XX/XX/XXXX but they did not provide any details and also they did not give me any contact details to reach out to Utility services. 

Even though I gave a call to first billing services where I used to pay my utility bill during my stay in XXXX Apartments and representative said that all payments are done and account is closed long ago. 

NCS is fraud and very rude on phone calls and not even trying to resolve the issue that they fraudulently reported on my account.
Product: Checking or savings account

Wells Fargo Bank kept allowing payments to go through although I turned off overdraft protection and I stopped the direct deposit
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.

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. 

Listed below are inquires w/ dates on my credit report that I did not authorize : XXXX CARD SERVICES ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ; L XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX & # XXXX ; L XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX CAPITAL XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX XXXX & # XXXX ; L XXXX ( Finance ) XX/XX/XXXX 2022
Product: Debt collection

I paid off debt on a bodily injury claim filed on my credit reports as XXXXXXXXcounty court in XX/XX/2018 and not notified yet and still shows on all my credit reports
Product: Debt collection

I signed up with XXXX to set of XXXX debt. Ive been paying on that debt to XXXX and XXXX took too long so it was sold to crown asset. Intern it went to XXXX XXXX Thats where the payment went to. Ive been trying to get that off of my credit report because it shows that its a charge off when actually, the debt was settled and paid. Ive been putting this in dispute with XXXX also with XXXX XXXX XXXX, and I have not been getting any results. I have the receipt proving that it was paid and settled to XXXX XXXX I spoke with Crown Asset. They said they would clarify it and verify it if someone would get in touch with them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I started a dispute process with Equifax regarding inaccuracies on my credit report, a total of 7 accounts. I request method used to verify the debt as well as notification of the outcome of the investigation results. I never received any type of notification from Equifax that my dispute letter was received, in process or notification of the dispute outcome. On XX/XX/21 a second dispute letter was again sent to Equifax requesting a reinvestigation into the 7 accounts with inaccuracies. I again requested method of verification as well as notification of the outcome of the investigation. Again I never received any type of notification from Equifax that my dispute letter was received, in process or notification of the outcome however when I checked my report with Equifax on XX/XX/21 only 1 of the 7 accounts I disputed had been removed. On XX/XX/21 a third dispute letter was again sent to Equifax requesting a reinvestigation into the 6 remaining inaccurate accounts. Again I requested method of verification as well as notification of the outcome of the investigation. Again I never received any type of notification from Equifax that my dispute letter was received, in process or the investigation outcome. On XX/XX/21 a fourth dispute letter was again sent to Equifax requesting a reinvestigation into the 6 remaining inaccurate accounts. Again method of verification was requested as well as notification of the investigation outcome. Again no notification from Equifax was received regarding my dispute letter being received in process or the outcome. As of XX/XX/21 the 6 accounts I have been disputing with Equifax remain on my credit report and Equifax has not provided any of the information I've requested or deleted the accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX gave me XXXX on a business card then reduced it to XXXX after I had all ready spent up to {$3500.00} on the card. Now I am over 35 % usage which will now damage my credit score dramatically. XXXX XXXX has done the same thing to me XXXX XXXX  just increases your interest. Credit Card services takes all you owe and adds it up including your mortgage and then reports you as a risk to the bank, The bank follows thru by reducing your available amount of credit card, the end results is a XXXX score down to a XXXX score reducing you to a risk. I have never missed a payment, In 2008 I was in forecloser I came back after the 2008 '' bank fail '' and saved my home after losing my job, I raised my score to XXXX. These people don't know who I really am, I did all this while raising a family. I don't deserve this. I get hurt and Credit Card Services gets rich.
Product: Credit card or prepaid card

I checked in to the XXXX XXXX XXXX on XX/XX/23 and checked out on XX/XX/23. The hotel double-charged my card in the amounts of {$170.00} and {$220.00}. The correct amount from the hotel is {$170.00} which is now showing complete ; however, the {$220.00} is still showing pending. I have asked CashApp to release the {$220.00} over 10 times now. I have submitted the final bill from hotel showing the {$170.00} being paid in full. I also submitted letter from the hotel stating my bill is paid in full of the {$170.00} and the letter also requested that they release the hold of my funds. CashApp still has not released the funds and have hung up on me 3 times. They have been extremely RUDE and argumentative with me aboue MY money!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found inaccurate, erroneous, unverified, negative INQUIRIES on my credit report. I have no recollection of these inquires.
Product: Debt collection

two collection accounts from the same agency, XXXX XXXX XXXX, from the same lender TEMPOE LLC popped up on my credit report. there is previous record of this as my complaints were filed with both already, filed FTC id theft report and sent to both lender and collection agency and the documents filed with ftc sent to tempoe llc to the address on my credit report were sent back return to sender that the address wasnt there or they moved.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachments AND send a copy of consumer report when all negative items have been removed
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 
Fraudulent Unauthorized Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX