23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX L J ROSS ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious L J ROSS ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/198XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

My recent Mortgage servicing has been sold by XXXX XXXX to Shellpoint Mortgage Servicing ( c/o XXXX  ). It's been transferred already to Shellpoint on XX/XX/2021 as instructed to me via letter ( attached ) from original servicing company. Since I received the transferred confirmation letter, from XX/XX/2021, I am repeatedly calling ( and requesting ) to this new servicing company - Shellpoint to provide my account information and payoff balance and all other necessary mortgage account information so I can pay my monthly mortgage payment before due date and also I can refinance on time. Every time, when I have called their customer service is unable to pull up my account information using all my information including my SSN/Property address/temporary account number etc. Finally, I have spoke to their Supervisor, and he mentioned me a 10 digit account number " only '' and he denied to provide any other information to me, but I can not access their payment website using that number ( attached ). My due date is coming soon, and I have no mortgage reference number/account number to pay my monthly payment. Also, my refinance company is waiting for this since XXXX. 
I am nervous now that Shellpoint is preventing me to pay on time, and forcing me to miss payment and attempting to damage my credit, also preventing me to refinance and probably attempting to sell my property in foreclosure. 
I have a XXXX son, and now I am struggling more with all these mortgage servicing negligence caused by Shellpoint Mortgage Servicing & XXXX XXXX around the clock. 
Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a fraudulent account that was a result of identity theft. Fraudulent accounts are continuously being reported after providing all supporting documentation. I have filed and provided an identity theft complaint with the FTC, provided an identity theft affidavit with a copy of a police report filed with the XXXX Police Department, Ive disputed these accounts with credit bureaus, and also requested a block of the fraudulent items in accordance with section 605B of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ).
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Debt collection

I been receiving phone calls before XXXX XXXX and after XXXX XXXX of harassment, profane, abusive and vituperative language, threats of jail, prison, violence, and death from Financial Assistance , IncXXXX, Debt Collection Representatives in regards to a debt collection account from XXXX XXXX XXXX XXXX for {$360.00}. The debt collection account is not my account and is the result of identity theft. Financial Assistance , Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal and state law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I called XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX @ XXXX and spoke to the Manager,  XXXX. I agreed to purchase an engine for a XXXX XXXX XXXX and provided my Capitol One Visa card. It was explained to me my card would not be billed until my item shipped. My item never shipped, my card was billed immediately, no tracking number was ever provided, I contacted the merchant numerous times between my initial contact and XX/XX/XXXX. The manager, XXXX refused to provide a tracking number, issue a refund, or provide any info regarding my order. I never received any mail, email, or phone calls back. 
On XX/XX/XXXX I contacted Capitol One and disputed the transaction. On XXXX my account was credited for the fraudulent charge amount {$1200.00} however on XXXX the charge re-appeared. I contacted Cap One and they informed me the merchant would refund my money minus a restocking fee. As of today XXXX, the merchant wont accept my calls, I have no refund, and Capitol one isn't honoring the Visa Dispute policy. 
On XXXX I filed a Federal Trade Commission complaint against the merchant, I sent a copy of the FTC complaint as well as written notice of fraud on the part of the merchant via certified mail to Capitol One at Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX My credit card was charged fraudulently, the merchant intentionally mislead me and by using a scam tactic obtained my credit card number. No item was ever shipped, no receipt was ever provided, no confirmation of any order was ever received, no proof of any shipment was ever provided. The merchant wont respond to phone or written correspondence, Capitol One has failed to honor the Visa Consumer Dispute Policy. Per policy proof of shipment is required to be provided upon request. 
Please assist in resolution with Capitol One as they have failed to respond in writing to my dispute and refer me to a vendor that refuses all communication regarding the transaction.
Product: Debt collection

I disputed these XXXX accounts with Lockhart Morris and Montgomery by requesting a validation of the debts.The accounts XXXX, XXXX, : The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX I requested the collection agency for a original assignment of contract and nothing was provided as proof of ownership for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon losing my wallet in XXXX that contained my social security card, ID, cash, a few checks and a host of cards I filled a police report XX/XX/XXXX with XXXX police department just in case. It wasnt until my wife and I decided to look at our credit for a future investment in XXXX when I saw a loan from One main being reported in XXXX. I contacted the creditor in hopes of fixing this issue multiple times. I have been going back and forward with them providing police reports, proof of my current AND prior lease showing I stayed more than a hour away, proof from the IRS that also showed that the person tried to file taxes under my name that year fraudulently that I now require pin protection on my taxes from that particular identity theft, and attempted to send information about my bank account being closed due to fraud as well because of payments coming out from unidentifiable places in which the BANK noticed. However no proof is good enough for this company and now it has been MONTHS with no resolution. They ask me to provide something and once I provide that proof they ask for something different in a continuous loop in hopes to make me pay for something I did not do. Even my police report wasnt good enough because it didnt say One main fraud loan. Well of course it dont because I filled the report when I noticed my wallet was missing proactively, I didnt think something would have days ; weeks ; and months later! I checked my credit in XXXX after the irs thing happened to check if anything else occured and nothing else at the time happened so I thought I was in the clear. Well they actually asked me to go get another police report that said that ( I did, still they came up with something else to request ). Again this happened in XXXX when I lost my wallet, I caught this fraud account in XXXX. I now literally call multiple times a week to try to see how the process is going and what more I can do to prove this was not me and now its becoming more of a hassle. I just want to finally move forward from this seeing that this is the last fraudulent thing Ive caught from that guy and they are making it impossible. The last thing I want to do is pay it but after all this headache I asked how can I just settle out on whatever the balance is. They gave me an email to write and the person doesnt respond half the time. This company is horrible!
Product: Credit reporting or other personal consumer reports

I have recently noticed fraudulent activities on my credit report. What I have found has lead me to believe I maybe a victim of identity theft, as I did not approve any information to be used in my name.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal and urgent complaint against CCHOLDINGS regarding their obvious disregard for the Fair Credit Reporting Act ( FCRA ) and their failure to properly validate and verify an account listed on my credit report. The reporting of this inaccurate and unverified account has severely damaged my credit score and financial standing. This has caused me significant hardship, including difficulties in obtaining credit, higher interest rates, and considerable XXXX  and XXXX. The irresponsible actions of CCHOLDINGS have resulted in undue harm to my financial reputation and stability.
Product: Credit reporting or other personal consumer reports

I just checked again my XXXX and Experian credit reports and I can see account reporting inaccurately. Please see attached file below
Product: Credit reporting or other personal consumer reports

I have repeatedly notified you about inaccuracies in my credit report, which persist in violation of XXXX standards. Despite previous alerts, these errors remain, detrimentally impacting my credit profile. I insist on immediate corrective action to rectify these inaccuracies to prevent any further damage and to comply with the Fair Credit Reporting Act ( FCRA ). Failure to address this issue promptly may result in legal recourse, including arbitration. Your urgent attention to this matter is essential.
Product: Credit card

I had a Chase XXXX branded credit card. While XXXX several fraudulent charges were made on the card. I reported these to Chase, but they never took action to close the card to prevent additional fraudulent charges, hence breaking their own terms and conditions to protect their clients. 
They then closed this card, and all other personal and business cards I had with the company and refuse to open new cards with no explanation of why they are harassing me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 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 in accurate.
Product: Debt collection

on XX/XX/2021, i sent Smith , Rouchon & Associates, Inc a letter about a alleged debt of XXXX that i do not owe. i sent the letter usps certified w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the alleged debt of {$460.00}. and i haven't heard anything from them thus far. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, Smith , Rouchon & Associates , Inc has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX XXXX and today is XXXX XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
Product: Mortgage

On XX/XX/2016 I verbally accepted an offer for a refinance from Homepointe Financial. The loan XXXX pre approved me for a XXXX % interest rate for a VA XXXX and per our phone conversation advised that my rate was locked and if it were to decrease in this process they would honor a lower rate. I signed all of my initial disclosures on XX/XX/2016 with the notary provided. On XXXX XXXX I was notified that my loan was approved and that were set to move forward to closing. I do unsigned the XXXX XXXX and redisclosures on XX/XX/2016 and XX/XX/2016 I reached out to the loan XXXX to advise that all docs were signed and did not get a response. On XXXX XXXX I called to find out why we have not closed yet, I left a message with the receptionist as well as on the XXXX voicemail. Later this same day I received a call back for an individual from the company advising me that my loan is unlockable and that we would not be closing. They offered me a refund on my late payment for my current mortgage and offered me an apology. I reached out to the XXXX and to a higher up XXXX and was told that my loan was indeed never locked as promised and offered no alternative to getting the loan closed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have been struggling for the past XXXX years to remove fraudulent information from my credit reports. While I was outside the U.S., a USAA Savings Bank credit account was fraudulently opened in my name without my authorization. I previously filed a complaint ( No. XXXX ) regarding this issue, which Ive attached for reference. 

USAA Bank assured me that the fraudulent account would be removed from XXXX within XXXX  days, but that deadline is nearly up, and the account is still visible on my report. 

On XX/XX/XXXX, I attempted to dispute this account with XXXX directly, but the dispute was declined. Over the past XXXX years, Ive made multiple phone calls to USAA Bank in XXXX, XXXX, and XXXX. Each time, I was told the account had been removed and that I needed to wait XXXX  days for XXXX to reflect the change. Unfortunately, this has not occurred. 

To provide further context, Ive attached a screenshot of my XXXX report showing the account is still active. 

From my initial call in XXXX until now, I have been waiting not just XXXX  days but over XXXX days for resolution. 

Please address this issue urgently, as it has caused me significant hardship.
Product: Mortgage

I am a co-signer on this loan. On XX/XX/2023 a late payment was recorded on my credit in the amount of {$4900.00}. The person who was responsible for the payments had trouble with the website making the payment. She contacted them to fix the problem and they agreed to remove the late. My credit is reflecting the late payment causing me harm. I contacted them to have the late removed from my credit. They said they would but I would need to send a dispute letter which I did. They did not remove the late from my credit. I then requested an error letter that I could present to the XXXX credit bureaus. They would not provide me XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and recently after the equifax hacking someone opened a credit card with my information and charged several hundred dollars. Equifax sent my credit report but say I have to pay them to get my credit score. After all they have put me and millions of other consumers through we should not have to pay them anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the three major credit reporting agency starting XX/XX/2018 through XX/XX/2018 about removing inaccurate information on my credit report i recieved a letter back saying that they investigated and that the information on my credit report had been verified and was accurate after i sent them documentations supporting my complaint that the courts do not report individuals cases to credit agencies. I also have an account on my credit report that i asked to be verified or deleted again this account also at the end of there investigation came back verified and accurate, but i also wrote a letter to this creditor in XX/XX/2018 about this matter and the letter came back return to sender so the address thaey have on this creditor is clearly incorrect.I also wrote to the credit agencies asking them to remove inquires on my credit report that was 30 days old or older and sent them a list of inquries that i felt inaccutate the in return sent me a letter stating to reach out to the companies that had inquired on my report I again tryinr to resolve this matter mailed out letters to the companies that had inquired on my report well again the letters were returned by the postoffice and there some companies on my report that has no contact information for the so i couldnt write them on my behalf.and another account on my credit report that i disputed came back verified and accurate i sent out letters to the creditor personaly on XX/XX/2018 with no response to my letters but also no postive response from the three credit agency they have provided me with no proof of documentations showing that these are my accounts under the fair credit reporting act they must do so after an investigation. The credit reporting methodof the three credit agenies has caused me to be denied for an auto loan,  credit cards, and a home loan and because of these actions fromt the credit bureaus and creditors this has caused me defamation of charactor and has been detrimental to my credit report.My complaint is about XXXX, XXXX, and Equifax Also two creditors that i have wrriten XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. and the person involved is myself XXXX XXXX XXXX.
Product: Mortgage

Since my first written complaint to Loancare LLC regarding their lack of ability to lawfully service my loan, the disturbing Phone Call where I attempted to make a payment but was denied the ability to do so and subsequently had my contact information, without my consent updated to XXXX. In which I complained that I DO NOT get my statements, Loancare LLC has seemingly once again violated the regulatory period, willfully ; and in an ongoing abusive manner in which true emotional trauma has been caused, in addition to catastrophic financial damage due to ongoing violation and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to try and resolve an issue that is still appearing on my credit reports. I noticed a collection last year on my credit reports and contacted Medical Data Systems to reach a resolution. Idecided to go ahead and pay the collection with the stipulation that Medical Data Systems would remove the collection FULLY from my credit reports. I was told that it would take 45-60 days for the collection to be FULLY removed from my credit reports. Flash forward to today and the collection is still reporting. 
I recentlydisputed it through the credit bureau dispute process and XXXX XXXX deleted it however XXXX and XXXX have not.