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

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX Balance Owed : {$740.00} XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX XXXX Balance Owed : {$830.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$44.00} XXXX XXXX XXXX Balance Owed : {$16.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Attempted to get a statement about amount of debt owed originally, the amount paid to date and who are they collecting for however agent XXXX # XXXX refused to send any information. He stated that they do not do that. 

Company Wakefield & Associates
Product: Credit reporting, credit repair services, or other personal consumer reports

the following companies ran unauthorized credit inquiries on me.. I did not give them the permission to inquire about my credit status..Please delete this misleading information : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, 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: Debt collection

At XXXXXXXX XXXX I received a text message from number XXXX that reads " This is a credit reporting alert that adverse credit information is scheduled to be reported to the credit bureaus by CREDIT COLLECTION SERVICES ( a debt collector ). You can pay {$260.00} due XXXX by calling XXXX or by visiting XXXX Reference File # XXXX I clicked on the website and the information that is ask is the file number and zip code. When I enter the zip code is says the information is incorrect. 

I currently have 12 cases open with CFPB due to IDENTITY THEFT, working with XXXX, XXXX and XXXX to remove the items. I have filed an FTC Identity Theft report. 

I'm hereby notifying " CREDIT COLLECTION SERVICES '' this debt is fraud, and this was reported to XXXX as well. After speaking with XXXX I was told that the policy I have with them is in good standing and the next bill date is XX/XX/year>. I have had the same insurance policy for over 5 years, and it is current and active. 

Furthermore, XXXX said this text message may be a scam, and they did not report my account.

Upon trying to dispute this via the company 's website, there is no way to contact them other than calling them, which I am not comfortable with giving XXXX has said they did not send me to collections and my account is current.

I will attach in good faith a copy of the FTC Identity Theft report. Under FCRA 605B this requires CREDIT COLLECTION SERVICES to stop all attempts to collect this debt. They have my phone number since they text me, if you have further questions call me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice Violates the fair credit reporting act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that i have marked as inaccurate : Inquiries : XXXX on XX/XX/23 XXXX XXXX XXXX  XXXX XXXX on XX/XX/23 Credit accounts : XXXX XXXX ( Reported 9 times ) XXXX in the balances of : {$2400.00} {$3400.00} {$3500.00} {$3600.00} {$2400.00} {$7500.00} {$1300.00} {$3000.00} {$4000.00} XXXX XXXX : ( reported 2 times ) XXXX In the balances of : {$3500.00} {$2700.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1700.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX In the XXXX of {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : OHIO DEPT OF HUMAN S XXXX XXXX XXXX/XXXX  XXXX  XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re :  Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : OHIO DEPT OF HUMAN S XXXX XXXX XXXX/XXXX  XXXX  XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX  XXXX, PA XXXXXX/XX/2020 Re : Letter to Remove Inaccurate Credit  Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : OHIO DEPT OF HUMAN S XXXX XXXX XXXX/XXXX  XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my credit report, it says that my XXXX XXXX XX/XX/XXXX ending in XXXX has late payments totaling 60 days. This is false, and the account needs to be updated to pay as agreed. I have attached a copy of the confirmation email that was sent to me confirming that XXXX XXXX got my payment and this payment was made on time. Kindly see file attached showing that payment was processed before the closing statement date on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to all three credit bureaus, XXXX, Experian and XXXX asking that they update my name, address and place of employment that is reflected on my consumers report. I have submitted letters to all three credit bureaus multiple times. The first set of letters were submitted XX/XX/XXXX, the second set were submitted XX/XX/XXXX and the third set were submitted XX/XX/XXXX. The bureaus are continuing to report false inaccurate information.
Product: Debt collection

Central financial control is still aggressively collection debts again me even though I 've sent them all the required documents under the FCRA and FACTA. I do n't owe this company any money and never lived to get hospital debts I work for  XXXX , so I know some people are not that annoying.
Product: Credit reporting or other personal consumer reports

XXXX  - XXXX please remove this inaccuracy from my report. I was never late on this account- Please check the status on this account XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NJ XXXX
Product: Credit reporting or other personal consumer reports

iam a victim of Data Breach identity theft please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2 ( a ) GS XXXX  XXXX XXXX
Product: Debt collection

They are calling for someone else. I told them repeatedly that I was not the person they are trying to reach and collect a debt from. I told them not to call my phone and to be placed on the do not call list. They told me my number would be removed from the list but they are still calling my phone. 

Credit Corp Solution XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 ( s ) -2 ( Any payments during COVID-19 are required to be deferred or forgiven ) 15 U.S. Code 1681 ( 4 ) ( You have a right to privacy.

If you consider your late payments to be private information, they must be deleted from your credit ) 15 U.S. Code 1681 ( a ) ( Any transactions between you and the creditors are required to be excluded from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 XXXX XXXX sent an alleged claim of debt to 'CONSUMER '. As precribed within Consumer Protection Statute, a prompt Notice of dispute was sent to XXXX XXXX. This Notice was recieved by XXXX XXXX via USPS, on XX/XX/2019 ; subsequently XXXX XXXX   were in recipt of a series of NoticesDemanding proof of claim, Full Disclosure, Assurance of Due Performance, Holder in Due Course & Notice of Non Response ( all were provided to EXPERIAN ). 

II. On or about XX/XX/2019, EXPERIAN began reporting this fraudulent account without lawful verfification, and without having any physical evidence on file. For this reason, A Notice of dispute was sent to EXPERIAN, which they received on XX/XX/2019. Also, this account was being reported as an alleged Medical debt. For this reason, a 2nd Notice of dispute was sent on XX/XX/2019 and received by EXPERIAN on XX/XX/2019. 

In response, EXPERIAN provided REPORT # XXXX on XX/XX/2019 : Where XXXX XXXX was certified as having a Balance of {$580.00}, & being past due as XX/XX/2019. For this, a Notice was sent to EXPERIAN, requesting the process of its investigation. EXPERIAN was in receipt of Notice on XX/XX/2019. 

Further, EXPERIAN supplied REPORT # XXXX on XX/XX/2019 : Where XXXX XXXX was certified as having a Balance of {$600.00}, & being past due as XX/XX/2019. Lastly, EXPERIAN provided REPORT # XXXX on XX/XX/2019 : Where XXXX XXXX was certified as having a Balance of {$600.00}, & being past due as XX/XX/2019. 

III. It appears EXPERIAN has failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. By continuing to communicate incorrect and defamatory information, as received from this third party. 
XXXX XXXX behavior seems to fall under Section 1031 of the Dodd-Frank Act that bans Abusive, Unfair, and Deceptive acts or practices. And EXPERIANs willful acts clearly, violates FCRAs rules of accuracy, disclosure to consumer, procedure of dispute.

IV. I request the Commission provide equitable relief & remedy, pursuant to Title 12 & 15 U.S.C., in light of the above stated violations, in favor of CONSUMER.
Product: Mortgage

I believe the lender, Nationstar Mortgage, is effectively changing the terms of my loan. Although payments are not late until the XXXX of the month, and my payments have been set up on autodraft since the inception of the loan, recently the bank has had oversees callers calling me beginning on the XXXX of the month or earlier asking for payment. These are call center employees without access to my account records. I feel this is harassment plain and simple, to get people to pay earlier than they need to in order to be in time.
Product: Credit reporting or other personal consumer reports

Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting of an auto finance account on my credit report. For over a year, I have been attempting to synchronize and correct the records across all three major credit bureaus. Specifically, the account in question is with XXXX XXXX XXXX and is listed under the account name XXXX XXXX. 

Despite my numerous credit disputes, TransUnion persistently reports this account as open and claims it has been verified. This account was, in fact, closed, and I have provided the necessary discharge documentation from my XXXX  XXXX XXXX  as evidence. Unfortunately, my evidence has been consistently ignored, and the account status remains incorrect. 

I am seeking your assistance to rectify this situation and ensure that my credit report accurately reflects the closed status of this account. Your prompt attention to this matter would be greatly appreciated, as it is crucial for maintaining the integrity of my credit history. 

Thank you for your time and assistance.
Product: Debt collection

Filing a formal complaint against Fair Collections and Outsourcing Inc. for placing an unauthorized collections account on my credit report. Recently, I received notifications from all three major credit bureaus indicating that this entity has reported a collections account under my name. I have never consented to any debt collection practices by this entity, nor have I entered into any agreement that would authorize them to report a debt on my behalf. In addition, not only did they give inaccurate information in reference to the address but the address given is for a state they are bonded to engage in debt collection activities or to report collections accounts to the credit bureaus. Their actions have caused me undue stress and XXXX coupled with damaging my credit standing ( XXXX XXXX ) This constitutes a clear violation of my consumer rights along with potential violations of state and federal regulations governing debt collection practices. Because of this, I will be seeking compensation in the form of monetary and non-monetary ( Removal of unauthorized reported collections account ) compensation and ask that the Consumer Financial Protection Bureau promptly investigate this matter. In closing, thank you for your time and effort to resolve this matter. 

Violations : SEE 15 usc 1681s - 2b, 1692g
Product: Mortgage

I am writing to file a formal complaint regarding the incorrect application of my mortgage payments following the merger of my previous loan servicer, SLS, with Newrez LLC, operating as Shellpoint. 

Details of the Issue : Merger and Autopayment : On XX/XX/year>, an autopayment of {$3900.00} was drafted from my XXXX checking account to Newrez LLC ( dba Shellpoint ). This payment was processed as scheduled. 

Reception of XXXX Statement : On XX/XX/year>, I received the mortgage statement for XXXX indicating our regular payment for XX/XX/XXXX was credited to our account. 

Notification of Delinquency : On XX/XX/year>, I received notification from Newrez via mail indicating that future autodraft payments had been canceled due to a missed XXXX payment and that the account was considered delinquent. 

Verification of Funds Transfer : I reviewed my XXXX dashboard and confirmed that the {$3900.00} was indeed sent to Newrez on XX/XX/year>. There were no returned or credited funds. 

Contact with Support : I called Newrez 's support hotline on XX/XX/XXXX, where an agent informed me that the funds had been returned to SLS. The agent also mentioned the 60-day grace period for loan transfers and advised me to submit a request to their ACH department via the Shellpoint online portal for review. I promptly did so, providing screenshots and bank statements to verify that the funds had been drafted and not returned. 

In Person Verification of Funds Transfer : On XX/XX/XXXX, I walked into our local XXXXXXXX XXXX  and spoke to a teller about the ACH debit. They reviewed my account and confirmed that the funds were withdrawn on XX/XX/XXXX and that no funds were returned since. The teller had another associate review the account to ensure she did not miss anything, he also confirmed her findings. 

Follow-up : I followed up with Newrezs support team on XX/XX/XXXX, and was told that the funds were not found and my XXXX payment was still considered missing. The agent clarified that the XXXX grace period did not apply due to the merger of the two companies. I was advised to wait until XX/XX/XXXX to see if a resolution could be reached. If not, the only solutions offered were to pay the {$3900.00} again or risk a negative impact on my credit history if the issue was not resolved before XXXX. 

No Resolution, Forced to Pay Again : On XX/XX/year>, after receiving an email from Shellpoint confirming receipt of my inquiry on XX/XX/XXXX, I called again and spoke to a representative who clarified that the payment trail ended with Shellpoint returning the funds to SLS, with no further resolution yet. I decided to make the payment of {$3900.00} again to avoid any adverse impact on my credit report and filed this complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of ( 15 U.S.C 1681 ( b ) ( a ) 3 ( f ) ( i ) ; for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2021 ) without my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than 60 days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.
Product: Mortgage

I SEE XXXX LATE PAYMENTS REPORTED ( CREDIT ) IN MY MORGAGE AND I HAVE ASK THIS BANK FOR THEM TO MOVE THE DUE DAY OF MY MORTGATE TO THE XXXX OF EVERY MONTH OR BECAUSE I GET PAY ON A BI-WEEKLY BASIS. I AM STILL PAYING FOR MY MORTGAGE AND THIS IS NOT FAIR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX
Product: Mortgage

I have been paying town taxes out of pocket since XXXX. Never a late payment. XXXX XXXX will confirm this. I accidentally wrote my tax check wrong for XXXX cents off which triggered a delinquent payment. Roundpoint mortgage since forced escrow on my mortgage driving my payment up XXXX per month over XXXX cents. They will not work with me! I have an XXXX credit score and this was purely a mistake. Please help me. The mortgage company is a complete scam. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed for Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$620.00} DateUpdated : XX/XX/XXXX Original Amount : {$620.00} Original Creditor : XXXX XXXX XXXX ( Rental/Leasing ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : ACCT INFO DISPUTED BY CONSUMR ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX The account is scheduled to be removed from my credit report in XX/XX/XXXX. 

I filed a new investigation the account on my Transunion Credit Report in XX/XX/XXXX, but the dispute came back as already verified. When, where, how, the account was verified is not included. The account holder, nor Transunion have not supplied me with any supporting documents from the company about the account. To simply state the account has previously been verified is not a new investigation, nor is it proof of debt. The debt is far past the 3 year statute of limitiations in both North Carolina ( the state where the account was held ) and South Carolina ( the state in which I currently reside ).

Transunion says that I may leave a statement on my credit report, but there is no active links to do so. I am continuously rerouted to my previous dispute. I am not sure how else to proceed.
Product: Debt collection

XX/XX/XXXX {$960.00} Dear Sir, I believed i paid my debt, because it's been 15 years plus old, and still they after me. 
This was the same complaint that was to CFPB on XX/XX/XXXX. Back then, i believed since XXXX, from my old employer they reimbursement from my Paycheck. ( Half of my paycheck ) so i filed my counter written to legal dept. Some of my money was returned to me. And then they not stopping to collect. 
I have a financial hardship right now. Is there some discrimination, because i didn't reply from them? I work on the XXXX XXXX as regular employee. And also i have the rights as Law abiding citizen of this Country.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I did not give consent to send my personal information to this creditor. This is a violation of the HIPPA law as well as my privacy. What was the method of verification? And there is no proof of how the debt was validated.