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

The inclusion of these unauthorized accounts and inquiries has caused considerable XXXX  and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries :
Product: Debt collection

I have a debt from Affirm account No # XXXX for XXXX paid on XXXX 2021 refusing to update my credit report. I have proof of payment.
Product: Vehicle loan or lease

I payed XXXX in XX/XX/2023, XXXX, XXXX XXXX XXXX XXXXeach month excluding only XXXX n they are wanting to repossess my car after I put a XXXX down payment n only missed one month. I payed more than XXXX extra every due date as well. I sent via XXXX XXXX online n to correct address do not know if wrong account number may have been in system or what caused error. Have sent proof of payments with zero response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$860.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This mortgage account needs to be included with the previous accounts needing attention.
Product: Debt collection

Debt listed on credit report is with an unfamiliar company ccmr3 for a joint acct debt. I do not have any business with ccmr3 nor have I ever opened a joint account
Product: Checking or savings account

I use my debit card for everything so much so that I memorize the card number. as soon as I moved I changed my address on the Mobile App. I was having some problems with the chip on my card over XXXX prior to the printed expiration date on it. I called in to the fraud prevention team on XX/XX/2019 as my card was declined for potential fraud merely because the chip was no longer working while speaking to them I confirmed the change in address so that I knew they should have the correct address. once we cleared the " potential fraud '' they advised me I would need a new card. I explained I shouldn't have to pay for a new card if they are not making the cards durable enough to last as long as the expiration date on them. they stated I could report the card stolen and no fee would be charged, I declined as it is unfair to me to have to go in to all of my merchant accounts and change the card number, or perhaps forget or miss one and then be charged a return check fee by the merchant because the charge would not go through. they eventually agreed to send me a new card with the same number without a charge. weeks go by and I never received my card so I decided if they would not send me a new card then I will continue using my old card. on XX/XX/2019 I tried to make a purchase and it kept refusing to go through, but would put a pending " hold '' on my account so I couldn't complete my purchase but my funds were not made available to me for 24hrs either. after it failed a second time on XX/XX/2019 I decided to look on my Mobile App and see what was wrong with my card. it is there I found that they had in fact sent my card to the wrong address despite changing it on the app AND with a person over the phone. after the extensive conversation I had on the 1st call in XXXX, I feel that this was done on purpose to spite me for requiring my debit card to be durable and/or not be charged for a new one when it isn't. Bank of America then refused to compensate me for the time I would have to spend changing all my merchant accounts and having to be without access to my own money for up to 6 business days. when I asked to at least be updated when the internal complaint review was complete, they declined. insisting that the team that investigates complaints is not able to make outbound calls, nor received inbound calls when I asked to call them for an update. this leads me to believe that these complaints in fact go no where and there will be no repercussions for the " error '' that appears to be done on purpose in retaliation. 
I have been with Bank of America for 15 years and never has their customer service been so terrible as it has in the last 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX  # XXXX, DEPT OF ED/XXXX  # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, My current address is XXXX XXXX  XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Product: Credit card or prepaid card

I received a statement XX/XX/XXXX stating that that documents I sent are not valid which they have sent me a remittance transfer coupon and I accepted it and sent it back. I have been noticing they have been sending me a bill with a positive amount. 15 USC 1692e ( 2 ) if an amount is shown in the positive it is false and misrepresentation. How can I pay a positive amount? That a sum certain has been demanded from the bank? I accepted the negotiable instrument and sent it back on XXXX It also states you owe or your account. I am not you nor am I your. I am the living being natural person. I also have proof that they sent these bills and XXXX XXXX in his private capacity. sent out a letter dated XX/XX/XXXX. Notice, it is a fact, I, the affiant is the consumer and a natural person in accordance with 15 USC 1692a ( 3 ). 15 USC 1692 ( a ) ( 4 ) the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact.
Product: Mortgage

Subject : Failure to Provide Payoff Statement for Commercial Loan Issue Description : I am submitting this complaint regarding Shellpoint Mortgage Servicing, which has failed to provide a payoff statement for my commercial loan despite multiple requests. I initially communicated with Shellpoint on XX/XX/XXXX, regarding my request, and the first documented email was sent on XX/XX/XXXX. As of today, XX/XX/XXXX, I have not received the payoff statement. 

This delay is preventing me from accessing the equity in the property for other investment opportunities. The loan is structured as a XXXX interest-only loan with a step-down provision. 

In XXXX phone communication, Shellpoint stated that they are trying to calculate the payoff amount but are having difficulties determining some treasury rate necessary for their calculations. They admitted they are unsure how to proceed, which further suggests a lack of compliance with their obligations. 

Additionally, attorneys with experience dealing with Shellpoint have suggested that this lack of responsiveness is not uncommon in their handling of commercial loans, as they believe Shellpoint may exploit the fact that commercial borrowers lack certain protections afforded to consumers.

Despite my repeated attempts to resolve this matter, Shellpoint has been unresponsive, and I believe this failure to provide the payoff statement constitutes a violation of both the loan agreement and applicable consumer protection regulations. 

XXXX XXXX : I request the CFPBs assistance in compelling Shellpoint to provide the payoff statement promptly and to address any underlying issues causing the delay. Furthermore, I urge the CFPB to investigate whether Shellpoints actions reflect a pattern of noncompliance or negligence in handling commercial loans. 

Additional Details : Lender Name : Shellpoint Mortgage Servicing Loan Type : Commercial Loan Term : XXXX interest-only with step-down provision Date of First Request for Payoff Statement : XX/XX/XXXX First Documented Request : XX/XX/XXXX Current Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed a dispute with this credit bureau reporting that the bankruptcy account listed on my credit report did not belong to me and was a result of fraud. XX/XX/XXXX I received this response : The company that reported the information has certified that the inofrmation is accurate. This item was not changed as a result of our processing your dispute. Please review your report for the details. XX/XX/XXXX I replied to the credit bureau stating that the information reporting on my report is due to fraud. Furthermore, the office of the clerk for the bankruptcy that is being reported on my report, stated in a response letter to me they do not report to the bureaus, yet this credit bureau has a bankruptcy reporting on my credit and has it listed as the federal district court listed as the company reporting it. I would like this bankruptcy removed from my report immediately. If the bankruptcy is not removed within the time given by the law, I would like to pursue relief for the damage incurred by this false reporting.
Product: Debt collection

Good Day. i am writing you to assist your help with TRANSWORLD SYSTEMS INC. Debt Collection Company. I sent them several communication request for Validation and Verification of the alleged debt but to no avail. All the Certified mail was returned. ( No Longer at the Address ). I contacted them via phone and thats when they started with asking me for my SSN, and how did i want to pay for the debt. This is not my debt and i do not no how it was reported on my files. WHAT IS THERE MAILING ADDRESS. WHY ARE THEY CALLING ME WITH A LAWSUIT? WHY I CAN'T GET A VERIFICATION FROM THEM.
Product: Credit card or prepaid card

On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Sam 's Club Mastercard ) was closed due to " Activity on account with Synchrony Bank indicative or high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic.

Under the Equal Credit Opportunity Rights Act, I have a right to find out why my account was closed unless the account was inactive or my failure to make payments as agreed.
Product: Mortgage

I applied for a mortgage with Wells Fargo and never agreed to allow sharing of my information but Wells Fargo has shared my personal information and I have been receiving non stop phone calls from other lenders
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. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a 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 got into hands of the wrong person.
Product: Mortgage

XXXX This is again for the same loan with XXXX XXXX XXXX and the same issue. I made a prepayment which should have been applied to XXXX 's mortgage payment and the applied it to principal. I attempted to contact them multiple ways ( as always ) through chat, secure messaging and phone calls. I finally spoke with someone yesterday who said that she would take care of it but said that she could not get it to show up, while we were on the phone and asked me to give it XXXX hours for the website to update. It has not been a full XXXX hours but I am sure it will not be changed in the next couple hours, as this is their pattern ( they say that they are fixing something and to give them time to update ) and it is never done.
Product: Credit card

I was utilizing the XXXX XXXX sight and saw a balance transfer offer from Barclays Rewards card. I transferred over a XXXX credit card balance over to Barclays and come to find out that the amount of the new interest rate was much higher. It just seems deceptive and/or misleading that a consumer can transfer a balance over with a potentially lower interest rate
Product: Debt collection

On XXXX XXXX I checked my credit and noticed fraudulent accounts were deleted, but after the XXXX breach happened, all of a sudden the fraudulent student loans and a car loan are BACK on my credit report. I have been in XXXX  for several years and someone attempted to go to school on my credit expense. In XXXX my XXXX disputed on my behalf and the same loans were deleted, but now all of a sudden they are back. 

Section 609 of the FCRA identified as 15 U.S.C. 1681g gives me, a consumer, the right to ask for this information. It clearly states, Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer all information in the consumers file at the time of the request This section of the FCRA is saying that if a consumer asks the correct way, in writing, and properly identify themselves, the 3 bureaus are required to disclose to the consumer exactly what documents are stored within their computer base. 

Their response to all of my dispute letters basically parrot what the information provider tells them, all items identified in your complaint have previously been verified as accurate by the data furnisher
Product: Debt collection

I have repeatedly made attempts to reach 1st Finl Invstmnt Fund to no avail. I want the incorrect information removed from XXXX, XXXX   and XXXX. I resolved all payments for medical treatment and the current account is incorrect. This is preventing me from applying for a home mortgage.
Product: Credit card or prepaid card

I am a victim of the Wells fargo scam many years ago. When the unauthorized accounts were open in mu name. I have gotten a part of the settlement but my credit score has/is being impacted by this. I had paid the account in order to purchased a home but I need this fraudulent closed account removed from my credit report. I shouldn't continue to be impacted by Wells Fargo any more.
Product: Debt collection

I HAD DISPUTED A COLLECTION ACCOUNT IN THE AMOUNT OF {$1200.00} FROM THE XXXX XXXX XXXX ON XX/XX/XXXX AND IT WAS DELETED FROM ALL 3 OF  MY BUREAUS ON XX/XX/XXXX IN THE MONTH OF XX/XX/XXXX IT WAS REINSERTED ONTO MY EXPERIAN AND XXXX REPORTS, SO I SENT A CERTIFIED 5-DAY REINSERTION LETTER IN ACCORDANCE WITH THE REQUIREMENTS OF THE FCRA SECTION 611 ( a ) ( 5 ) ( B ) ( ii ) TO BOTH EXPERIAN AND XXXX, BOTH ELECTRONICALLY SIGNED IN ( I HAVE ATTACHED BOTH SETS OF LETTERS ) AND NOW THEY ARE IN VIOLATION OF THE 5 DAY AND HAVE NOT DELETED THEM FROM MY BUREAUS. I HAVE RECEIVED NO DOCUMENTATION IN THE 5 DAYS AND I WANT THESE DELETED IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Lexington law firm to repair credit, two months ago, they, said that XXXX, for one time payment, .then it went to a XXXX, one time payment.they were suppose to send letters out .3letters in all, then called for XXXX a monthly fee to build credit,. 
Then I got call from my debit card holder, MasterCard, they suspended my card, because of suspecious activity .The rep. Told me they have been having major problems with XXXX XXXX, do not use them .I am enrolling in XXXX a my financial aid has a problem, and I only have till XXXX to get tis straight so I can attend an receive help financially, They led me here, so I hope this will help get me started on my edu an future. I thought I was. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the accounts listed below : DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/19, DEPT OF EDUCATIONXXXX XXXX Late Date XX/XX/19
Product: Mortgage

Bank refuses to remove my pmi after I have completed the requirement for removal.
Product: Credit reporting or other personal consumer reports

To Whom it may Concern, I am devasted to discover that fraudulent accounts have been opened in my name at XXXX XXXX and Sunbit due to the recent XXXX data breaches. To make matters worse the information that is being reported is inaccurate by every bureau reporting fraudulent accounts. As a hardworking american and father, I've always strived to maintain a clean credit history. Please help me by removing these fraudulent items from each of my consumer credit reports. I have tried to take care of this my self however the bureaus are not responding to my requests via priority mail or picking up my phone calls. 

Name of Account Account Number XXXX  XXXX XXXX SUNBIT, XXXX XXXX Mistaken Identity Identity Theft
Product: Mortgage

In communication with a representative of mortgage claims of Banco Popular tells me that the payments applied to my mortgage loan were for legal expenses for {$450.00} and not to credit my mortgage ( Claim XXXX XX/XX/2019 ). When they notify me that they are only {$50.00}. See Evidence.
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. My information was exposed in the Equifax Data breach so I have followed the whole protocol to get my file corrected and update but it is going on a year now and the credit bureaus have not changed a thing! I have spent XXXX XXXX XXXX of dollars on postage, my time wasted, paper and ink and even buying letters to send them but they have ignored me. They do not say anything at all. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called multiple times to get the incorrect information resolved. They told me they would investigate it but nothing has changed. I personally DO NOT OWE ANY STUDENT DEBT! It's causing me a hardship. Also, there's different names and addresses that I've NEVER been associated with. I've reached out to all three credit agencies in XXXX and XXXX, XXXX and just recently in XXXX of XXXX with no avail. I can't get a place of residence because of it. 
I want to seek damages from all three agencies due to causing me such a hardship!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have including XXXXXXXX XXXX XXXX XXXX and sent the letter via mail on XX/XX/2021 and I have yet to receive a response. I have patiently waited for 120 days, no response. I asked that the validate this account that is inaccurately reporting to my credit profile and still no response.
Product: Credit card or prepaid card

Had a government direct deposit of $ 7,000+ from unemployment ( XXXX, XXXX  ) after I was allowed to make a couple ATM withdraws, I went to bed an the next day my account locked an I have not been able to access any of my funds, I've been provided with no type of documentation of what is going on. Now 2 days later after waiting their 24-48 hr account under review policy they've now decided to permanently close my account with no explanation as to what is going to happen to my $ 6,600+ balance in my account. This should have never happened in the first place cause I know for a fact all the info is correct an for crying out loud the direct deposit, only direct deposits I've ever gotten, was/is issued by the government!!!
Product: Credit card or prepaid card

This Capital One account ending in XXXX was listed as part of my bankruptcy in XXXX. This account has not been listed on any of the 3 credit bureaus in over 17 years. I went to pay another Capital One account that is in good standings and my bank never removed this account ending in XXXX from the list of creditors I pay by phone. 

In XX/XX/XXXX. I accidently made a {$190.00} payment to what I thought was the active Capital One account. The payment went to this closed account. I called Capital One and told them this account was in bankruptcy and to return the money. They would not return the money. The Capital One representative told me that she would turn this dispute over to the Capital one attorneys and get back to me in 10 days. She never did and I never received a call from the attorneys. 

Next month for the first time in 17 years I received a statement from Capital One for payment on account ending in XXXX. They took the {$190.00} payment. Chopped up the amounts into smaller payments of that money from {$38.00} to {$73.00}. Backdated those payments and spread that {$190.00} payment from XX/XX/XXXX back to XXXX to XXXX to make it seem like I have been paying all along which I have not done. Then they reported this account as charge off. 

I pay all my bills on time. My credit score was XXXX. Now because of Capital One AND ONLY Capital one my credit score is XXXX. All the credit card have with good rates have now increased the interest rate to 29.99 % Because of this charge off. I am not in collections because when I gave the lawyer of of the collection agency my statement. They had no further contact with me. My recent credit bureau dated XX/XX/XXXX reports " 0 collections found ''. 

I feel that because I am XXXX XXXX XXXX, Capital One bank took advantage of me and treated me unfairly as a senior citizen by : 1 ) Not listening to me and returning the money when I told them the account was listed in bankruptcy.

2 ) Lying to me by telling me that a Capital One attorney would be contacting me and never did.

3 ) Fraudulently not showing the {$190.00} payment made in XX/XX/XXXX but deceiving me by sending me a statement with small monthly payments backdated and spread out over 10 months to make me think I was paying all along. 

I am on a fixed income and the financial burden Capital One create by paying extra interest on my other cards has affcted my quality of life. 

Please help me