23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX
Product: Mortgage

Company : Achieve Loans, Serviced by Shellpoint. 

On XX/XX/year>, I requested a XXXX XXXX XXXX. At this time, my Principal Balance was {$13000.00}. 
The Quote I received stated that the interest to be paid was {$320.00}. This was grossly incorrect, as the per diem for the Loan was {$4.00}. 
I contact XXXX/Shellpoint XXXX XXXX XXXX XXXX  XXXX, whereby I was able to reach a representative who agreed that the Quote was over-charging me and needed to be remediated. A Case File was opened. 

NOTE : Throughout this period, I was in the process of refinancing my HELOC with another Lender, XXXX, who would be paying off the remaining XXXX/Shellpoint balance. 

By XXXX, I still had not been contacted by Achieve/Shellpoint regarding this matter ; and likewise, was nearing another payment cycle in addition to the Closing of the refinance with XXXX. 
On XX/XX/year>, I requested another XXXX XXXX. On this date, the Remaining Balance was {$13000.00} ( as I had made another monthly payment ). Once again, the Interest stated on the Payoff Quote was absurdly high.

Once again, I contacted XXXX/Shellpoint whereby another representative concurred that the Payoff Quote was higher than it should be ; however, this representative was either less capable of assisting, or less willing. 
At this point, I decided that I needed to take action against XXXX/Shellpoint as they may be in transgression of Securities statutes ( pursuant to the Securities Exchange Act ). 

Lastly : XXXX has successfully paid-off my Loan with XXXX/Shellpoint ; however, the amount that XXXX states XXXXShellpoint charged them was {$13000.00}. THIS AMOUNT IS ABSURB! 

<attached is the XXXX XXXX of the XXXXShellpoint Loan , both quotes from XXXX/Shellpoint, in addition to a snapshot of my current balance with XXXX>
Product: Debt collection

Got a pre recorded message from Transworld Systems Inc on the XX/XX/XXXX. This is not the first time they have called. I called number back and was told i do not have a file with them. I have asked them numerous times to put me on their do not call list to no avail
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of the account with the original creditor which show 2 completely different balances. Furthermore, the original creditor stated that the account was sold to the Recoveries dept. This debt you are claiming on my credit report is not mine and I was given no evidence of my obligation to pay this debt to this collection agency named XXXX XXXX. The FCRA requires you to verify the validity of the item within 30 days in which you failed. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and saw that I had some accounts that wasnt mine am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX  account number XXXX and XXXX XXXX XXXX account number XXXX please delete these accounts immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific fraudulent accounts from my credit report under the provisions of 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and as a result, the account ( s ) listed below were fraudulently opened or reported : Creditor/Company : XXXX  Account Number/Reference : XXXX Date Opened/Reported : XX/XX/year> Amount : {$9500.00}
Product: Student loan

In XXXX president trump put all student loan payments on hold until XX/XX/2020. I havenl 3 loan companies, my federal, XXXX & naviant, the first 2 have deferred the payments & have done as the president ordered. Naviant calls me multiple times a day & emails me also. I have called & emailed them with questions why they're not following the presidents order with no relief or help. The lady on the phone call hung up on me, the emails the lady never answered or addressed the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION have been reporting inaccurate information about several of my accounts. i have written multiple letters for them respond and correct these items that are hurting my credit score greatly and affecting my family is ways they do not understand nor care about. Below I will list the items they have been misreporting for over two years now and I have almost given up. Please Help.XXXX XXXX**** How is it possible that the account was transferred 2 years ago but “Date Last active” was XX/XX/XXXX? It can’t be both. TU says 120 days late and XXXX  says 180 days. It cannot be both. TU are also reporting 120 days late (9 times)..XXXX  shows late 120 days 1 time. It cannot be both. REMOVE and DELETEXXXX XXXX****TU are reporting that this account is a “Charge Off” and that there is a “Balance” and “Past due” amount of $XXXX? It cannot be both. TU are reporting “date last active” as XX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collections account ever. XXXX  is showing “date last active” is XX/XX/XXXX and  “date of last payment” wasXX/XX/XXXX.That doesnt match the other credit bureaus.This account is being RE-AGED also and is illegal. Remove and Delete immediately.XXXX XXXX****AGAIN, with this account you are reporting that this account is a “Charge Off” and a “Past due” amount of $XXXX? It cannot be both!  You are reporting “date last active” asXX/XX/XXXX and “date of last payment” was XX/XX/XXXX. No payments have been made to this collection account ever. XXXX  is showing “date last active” is XX/XX/XXXX and  “date of last payment” wasXX/XX/XXXX. The other bureaus report different. This account is being RE-AGED to show it was late active and last payment was this year also and is illegal. Remove and Delete immediately.
Product: Credit reporting or other personal consumer reports

I do not recognize this account and believe it to be fraud or belong to someone else. 

Midland Credit {$3700.00} Opened XXXX/XXXX/2020
Product: Debt collection

{$420.00} Open balance CAPITAL ONE NATIONAL ASSOCIATION Original creditor Opened XXXX XXXX, XXXX ( 4 yrs, 1 mos ) XXXX XXXX is the company that has it now. 
Last reported XX/XX/XXXX I have reported this through the report reporting agencies many times and not has happened.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. More specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have cause significant inconvenience and financial loss, and I see appropriate redress for these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX ( Original Creditor : XXXX ILLINOIS XXXX ) XXXX Balance : {$300.00}
Product: Credit card

Upon review of my consumer report with XXXX through my free account with their company, I noticed that a company I disputed with named Comenity Bank regarding accuracy on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through the CFPB per complaint numbers : XXXX, XXXX, and XXXX failed to notate and alert the consumer reporting agencies that the accounts were in dispute. There is currently an existing statement saying, " This item was updated from our processing of your dispute in XXXX XXXX. '' I had disputed two accounts from this company based on the fact that they reported duplicate accounts. Comenity Bank is in violation of the Fair Credit Reporting Act 15 USC 1681s-2 ( 3 ) ( 3 ) Duty to provide notice of dispute. ( 3 ) Duty to provide notice of dispute. " If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ''
Product: Mortgage

I have had multiple phone conversations with contradicting information from PNC Customer Service. I received their letter on XX/XX/XXXX stating my current LTV was at 83 %. On XX/XX/XXXX XXXX XXXX advised that my PMI would automatically be removed and would be reflected on my XX/XX/XXXX statement, if I made a principle payment to reduce my LTV under 78 % and there was no further actions required by me the customer. Therefore, I made a principal payment reduction reducing my LTV to 77 %. I spoke with XXXX XX/XX/XXXX and XXXX advised there is no record of my PMI being removed and it would be XX/XX/XXXX and the only way PNC BANK would remove my PMI was to obtain an Appraisal on my property. I submitted a written request to have the PMI removed on XX/XX/XXXX. PNC Bank responded by stating a Appraisal is required to ensure my property value has not decreased. 


XX/XX/XXXX- I have submitted paperwork to PNC Bank with a check to have an appraiser come out, Even though I have already met the original criteria to have my mortgage paid down below 78 %.
Product: Credit reporting or other personal consumer reports

Hello, I filed a dispute on my Transunion credit report for a account that has been paid. I have confirmation from the account holder. Transunion says that they need a letter from the holder if the holder does not report a XXXX balance. The holder has not reported XXXX balance and has not sent a letter. Transunion has refused the email confirmation from XXXX. This is negatively affecting my score and as a result, affecting tenant screening. I have reached out to Transunion multiple times and am always told to follow up with XXXX. Transunion is the reporting agency and has violated the FCRA by repeatedly showing incorrect information.
Product: Credit reporting or other personal consumer reports

Experian is reporting and bringing my scores down on my report saying I'm now XXXX pasts due on a closed account ( XXXXXXXX XXXX ). 

Experian keeps on adding late payments to my credit report and taking points off my score from an account a creditor has long closed. How can an account closed with no access to be late or missed, that seems like a double dip... it's either closed or not. 

I've contacted them and they never help, they always keep adding fake information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX The accounts are listed as follows : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXXT ) XXXX Hard Inquires FCTUALDATA - XX/XX/2020 XXXX  XXXX DATA Mortgage Reporters XX/XX/2020 XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 XXXX  XXXX DATA Mortgage Reporters XX/XX/2020 XXXX   XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 XXXX  XXXX DATA Mortgage Reporters XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX Mortgage Reporters XX/XX/2020 XXXX XXXX  XXXX Miscellaneous XX/XX/2020 TransUnion If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax exposed my personal information and left me vulnerable in to identity theft, by not adequately protecting confidential information such as my SSN, addresses, DOB, and ( potentially ) driver 's license number ( they have not even disclosed that ).
On top of this, when Equifax learned that my information, and the information of millions of Americans, had been compromised, they waited an entire month before letting us know. Only then were we able to take appropriate action to protect ourselves from this hack - Equifax deliberately kept information from consumers in order to make themselves look better.
Product: Credit reporting or other personal consumer reports

XXXX XXXX inquiries- XXXX. ) XXXX XXXX XX/XX/XXXX, XXXX. ) XXXX XXXX loan XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX, XX/XX/XXXX, XXXX. ) XXXXXXXX XXXX XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX XX/XX/XXXX. 

Experian- XXXX inquiries XXXX. ) XXXX XXXX XX/XX/XXXX, XXXX ) XXXX XXXX loan XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX, XX/XX/XXXX, XXXX. ) XXXX Bank, XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX XX/XX/XXXX. 

XXXX XXXX inquiries- XXXX. ) XXXX XXXX XX/XX/XXXX, XXXX. ) XXXX XXXX loan XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX, XX/XX/XXXX, XXXX. ) XXXX XXXX XX/XX/XXXX, XXXX. ) XXXX XXXX XXXX XX/XX/XXXX. 

I do not recognize these inquiries that were found on my credit profile. I did not authorize anyone to run my credit. I am including incidents of security breaches from XXXX companies that housed my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this account for THREE months, I then receive a notice that my file has been updated correctly and then 2 days later it is back to having a balance. I have sent NUMEROUS letters and fax to all 3 credit  bureaus to get this problem corrected, I have spoken to several customer service representatives about this issues again today XX/XX/18 I called all 3 credit bureaus AGAIN about this problem and a XXXX for the ( XXXX   team ) at XXXX  told me there is nothing she can do but keep filing a dispute. I have send them a letter regarding this account and now she is telling me they cant accept the letter because some of the letter has the account number encrypted. I'm very frustrated at getting this resolved and they are now in VIOLATION of FDCPA. my credit report should be updated immediately with CORRECT information!
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Equifax is in violation of 15 U.S.C. 6802, 15 U.S.C. 1666b, TEX. BUS. & COM. CODE ANN. 20.01 20.13, CAL. CIV. CODE 1785.11.2, 15 U.S. Code 1681i, Paragraph ( 5 ) .... My rights by the FCRA, EOCA, and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof with signed sworn statement. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings removing all late payments are not rectified within 15 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information. I will bring claims against every company and pressure an investigative review in pursuit of remedy.
Product: Mortgage

On XX/XX/XXXX I sent check # XXXX to pay my XX/XX/XXXX mortgage payment to M+T Bank for acct # XXXX. 
On XX/XX/XXXX I reviewed the M+T Bank website to find they had not processed my payment and were charging an additional {$48.00} late fee!! 
I sent a message in their website that day asking why they had not processed my payment and to rectify their error. As of XX/XX/XXXX I received no response! 
There have been several times they sent me a bill for 2 months payments plus late fee in error, followed by a corrected bill for the upcoming month without late fees. Therefore I do not trust their payment processing which prompted me to check the website on XX/XX/XXXX. I am always timely with payments and have a good credit rating. 
In fear of them damaging my credit rating, I repaid the XXXX payment plus the bogus late fee on line on XX/XX/XXXX when I saw they did not respond to me. I then had to pay a fee to my bank to cancel my check # XXXX that I sent to them on XX/XX/XXXX. 
Their ongoing issues appear to be a scam to force customers to give them bank account access for automatic withdrawals.
Product: Checking or savings account

the bank withdrew their monthly fee causing my account to become overdrawn
Product: Checking or savings account

Dispute made on XX/XX/XXXX, was denied due to fraudulent charges. The bank did not give accurate details or reasons. After I gave several documents. Also a dispute was made XX/XX/XXXX, for a number of charges at bars and restaurants. After all documents and evidence was given. I was still denied after a couple of hours
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATED FTC REPORT. This is my third time sending a Identity theft report from the FTC concerning inquiries that I did not authorized or give the company written permission to obtain a copy of my consumer file in order to obtain credit. I have talked with a few representatives and received several consumer reports with the inquiries still listed as verified. I have asked for reinvestigations and ask for proof that I gave the company any written permission for them to fraudulently obtain my consumer report and the only thing that they tell me is that they are factual and to get in contact with the company. I have done that by calling the company and I get transferred from one person to another just for them to tell me to call the dealership, or credit card company, and it is the same way with them. They can not show or provide proof where I gave them permission. 
They will tell me that whomever I need to talk to is not there, gone for that day, on vacation, gone to lunch, they are with a customer, do not work there anymore, they will return my call, can not find the application, and the list of excuses goes on. I can not get approved for anything because of the inquiries and that is destroying my will being, character, and my mode of living for me and my family. I was told by a representative today that he did not see where I had listed the names of the inquiries that is being disputed in this section when I first disputed them. He said that they do not look at the CFPB, they look at the FTC-Identity Theft form, and for me to state the inquiry and the date, which I did. He stated that in the first dispute this section was blank, and he pulled up the second dispute and read the first line where I stated that it is not a duplicate. I asked for his name and ID number. He gave it to me. I do not know if it is accurate.