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

On XX/XX/19 a company named Shellpoint, address XXXX XXXX XXXX. XXXX . XXXX XXXX, SC XXXX XXXX, filed a foreclosure against me on property in Florida that I do not have any ownership in. They also reported the foreclosure to the credit reporting agencies and at least 2 show the foreclosure on their reports, they are XXXX and XXXX. Although I am still showing a very good FICO score, approximately 800, the reporting of the foreclosure is causing harm to my ability to access credit markets. Even though the foreclosure documents that I am going to upload at the end of this report reference an overdue loan the filing is only a foreclosure. I suspect this is because the note they reference is 8-10 years old and well past the statute of limitations. Shellpoint has be made aware of all of this by my attorneys and have not removed the reporting. In addition I have filed disputes with XXXX ( confirmation # XXXX ) and XXXX ( report # XXXX ) and they have not removed the reporting either. 
Shellpoint 's dispute is with the current owners of the property and not me. Additionally if they can not show documentation that I own the property ( which I don't ) they should immediately drop the foreclosure proceedings and amend their reporting to the credit agencies. Absent that, the credit reporting agencies should demand that Shellpoint produce documents showing that I own the property and if they can't the agencies should remove the adverse reporting themselves.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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 or other personal consumer reports

I am writing to correct my personal information on all XXXX credit reporting agencies. Please remove all the previous addresses. I only have XXXX address. Add my correct name on all XXXX credit reporting agencies. Thank You.
Product: Debt collection

I have a collection account on my consumer report from the company ERC I have disputed this account several times to no prevail. They are fraudulently saying I owe them when I never had any contract or anything. This company need to pay for negligence compensation and remove from report. This company has been on my report for 4 years now
Product: Debt collection

They call almost daily right after XXXX and other times, and leave robo recorded messages. I have called the number left in the recording and told the agent that they have the wrong number. We have only had this number for a couple of months. The agent assured me they would take our number off the list, but Convergent robocaller keeps calling.
Product: Credit reporting or other personal consumer reports

My XXXX credit card account, which has been reported as a charge-off on my credit profile. I have not received a 1099-C form from the creditor, despite my understanding that they received a tax write-off related to this debt. I kindly request documentation demonstrating their right to report this as a debt or, if unable to provide such evidence, the immediate removal of this account from my credit profile.
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 3 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 accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$650.00}
Product: Credit reporting or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested help on this issue several times. Experian is especially negligent in verifying this account. XXXX XXXX  has consistently reported an account I had with them and opened and closed it depending on the month. I have a letter dated XX/XX/2019 informing me by XXXX XXXX  that my account was closed and sold to XXXX XXXX XXXX at that time. Yet XXXX continued to report my account, usually with a XXXX  balance, for over a year and some months showing 120 days late. This intentional false information supplied to credit bureaus has prevented me from obtaining credit, refinancing my home and increased my insurance premiums. I am outraged that for over a year I have been reported as delinquent by a company that doesn't even own my account with made up late payments.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXX/XX/XXXXXXXX, IA XXXX **Subject : Formal Dispute of Inaccurate Credit Reporting by Equifax ( CDIA Guidelines ) ** To Whom It May Concern, I am writing to formally dispute inaccuracies in my Equifax credit report regarding the account XX/XX/XXXX XXXX ( XX/XX/XXXX ) **. The reported information violates the Consumer Data Industry Association ( CDIA ) guidelines and the Fair Credit Reporting Act ( FCRA ), which mandate accuracy and fairness in credit reporting. 

**Account Details in Dispute : ** - **Account Name : ** XXXX XXXX, XXXX - **Account Type : ** Secured Loan - **Account Status : ** Closed ( XX/XX/XXXX ) - **Reported Balance : ** {$0.00} ( Paid in Full ) **Specific Inaccuracies : ** 1. **Invalid 90-Day Late Payment Mark : ** The report states Times 30/60/90 Days Late : 0/0/1, despite the account being **closed in good standing** on XX/XX/XXXX, and marked Nice! Youve paid off 100 % of this loan. A paid-off account can not logically have a 90-day delinquency.

2. **Inconsistent Reporting Dates : ** The account was closed in XXXX, yet it is listed as Last Reported XX/XX/XXXX. Post-closure reporting beyond XXXX is impossible and violates CDIA standards for timely updates. 

3. **Payment History Errors : ** The payment history table ( XXXX ) includes ambiguous symbols ( and ) labeled Current and No Data, with no clarification. The Last Payment Status and Worst Payment Status fields also show No Info, contradicting the 97 % on-time payment claim.

**Requested Actions : ** - **Immediate Removal** of the 90-day late mark and all derogatory notations. 
- **Correction** of the Last Reported Date to reflect the closure date ( XX/XX/XXXX ). 
- **Full Investigation** into XXXX XX/XX/XXXXs reporting practices under CDIA Metro 2 guidelines, which require furnishers to report complete, accurate, and verifiable data.

**Supporting Evidence Attached : ** 1. Screenshots confirming account closure, {$0.00} balance, and payment history.

2. Documentation of the erroneous 90 Days Late and inconsistent reporting dates.

Under the FCRA, Equifax must conduct a reasonable investigation and correct or delete unverifiable information within 15 days. Failure to comply may result in legal action.
Product: Checking or savings account

My account was restricted on XX/XX/year>. I called Citibank and they said they sent a voicemail message with the reference code required to regain access to the account, I never received any voicemail from them. They said a letter in the mail would be sent to me with a reference code within 7-10 business days from the account restriction. By today, that would already make it 24 business days since the account was restricted which is well over the timeframe, I've even requested a second letter to be sent. I've never received any letter in the mail from Citi or voicemail, it seems they just want to milk the time they're holding my money. What doesn't make sense to me is why verifying with my state id in a branch isn't a viable option for verifying myself. I've researched this issue and many other people had this same issue with Citi, some were even getting the letter sent to previous addresses they had. Just a terrible, shady company.
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no information about them, and the company acted without my consent.
Product: Mortgage

BSI Financial took over the processing of our FHA mortgage in XX/XX/XXXX. Shortly after, the pandemic struck. We were permitted to take advantage of the FHA-sponsored forbearance for 18 months. Whenever we tried to contact BSI about how to proceed with resuming payments, we would never get a call back. 
We began making payments in XX/XX/XXXX and have never missed a payment since. BSI finally contacted us in XX/XX/XXXX to offer a modification, " Option 1 '' or " Option2 ''. We selected option 2 and completed all the proper documents, had them notarized and returned to BSI via XXXX. BSI representatives have stated that they received the documents on XX/XX/XXXX. Our mortgage payments were to resume on XX/XX/XXXX. 
Instead, BSI sent us foreclosure documents yesterday. They notified the credit bureaus that we are both now 180 days late. My XXXX  credit score went from XXXX to XXXX on one day last week. BSI did the same thing last year and quickly corrected their error. This time they have not done so.

BSI representatives will send emails to our " representative '' who then never responds.

We have all of the documentation showing the modification approval and yet BSI is demanding {$36000.00} or they will foreclose on XX/XX/XXXX. 
The last BSI representative I spoke with said our payment was due on XX/XX/XXXX. The documents from BSI all state : " First Modified Payment Effective Date : XX/XX/XXXX ''. 
I called BSI today and the agent said that our representative and her supervisor are both busy. I left a voice mail with a VP, perhaps ; who knows?

As usual, I do not expect a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a recent score of XXXX from Experian which noted that was a decline from " excellent '' to " very good ''. I just paid off a loan much earlier than the due date, and I pay my credit card in full WEEKLY. How can one 's credit score drop with this kind of excellent financial management? This makes no sense at all and is flat out wrong! 

XXXX score is XXXX. XXXX  score is XXXX.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information with TransUnion in regard to this account XXXX XXXX XXXX ( Account # XXXX ) multiple times. TransUnion is still reporting my information as accurate. After checking my credit report the information is still obviously inaccurate! XXXX XXXX XXXX DELETED this account from my report after reinvestigation. ( SEE ATTACHED DOCUMENTATION ). You receive your data from the same creditor. This is clearly inaccurate that TransUnion has updated the account XX/XX/year> ( SEE ATTACHED ) still reporting inaccuracies. How did TransUnion verify this information? Please provide documentation. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disrupted by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Im asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Balance {$110.00}, Request : Delete account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I noticed my account was misused and violated my privacy as a consumer. I did not give the authorization to pull my credit.
Product: Checking or savings account

I have been disputing the inaccurate reporting to XXXX since XX/XX/year>. I received a letter stating that the case was investigated by Arvest and they determined it was fraud thus, removing the charges and fees.However, XXXX refuses to remove the unpaid item which is causing undue stress and emotional damage because, I was turned down from XXXX XXXX XXXX XXXX due to XXXX inaccurate reporting. Arvest has already sent a letter stating the charges were reversed, and the investigation was final. However, XXXX sent a letter explaining the charges are accurate and will remain on my report! If Arvest has made the correct adjustments, why hasn't XXXX done the same? XXXX is refusing to remove the inaccurate information. therefore, I will be pursuing legal action against XXXX as well as notifying the California State Attorney General 's office. It is illegal to report inaccurate information on someones report, especially if it is due to fraud. The State of California, my permanent residence state has informed me that it is a crime for a company to report inaccurate information on a consumers report if it is fraudulent and causes adverse actions upon the reportee. This will be my third complaint filed against this company for the same reason. They refuse to abide by the law and remove the false fraudulent information, so again I am opening another complaint with CFPB. Please see attachments for details and letter from the financial institution explaining that the charges were indeed fraudulent in nature, thus they have removed them and issued a credit where a credit is due. So why is XXXX still reporting this inaccurate information. Please rectify this right away, It is causing me undue harm, stress, emotional and physical trauma, and financial hardship. Because, of this reporting I was denied opening a checking account at XXXX XXXX XXXX where my car is financed, and charged fees due to not having a checking account to make my monthly payments.
Product: Credit card or prepaid card

Due to the pandemic I was laid from my job. I contacted Capital One to let them know and they offered me no assistance due to the CARES ACT. I tried to make my payments with the little money that I had and my account was hacked and my money was taken from my account. I contacted Capital One and told them that my money was stolen from my account and the payment couldn't be made. Once I received the money back from my back I made an immediate payment to restore my good credit. Good credit is very important as you can see I was never late before the pandemic happened. I have been on the phone with Capital One constantly to reclaim my perfect payment history but no one seems to help. This is frustrating as this is not the fault of mine but due to the entire country shutting down without any warning. I am a very good consumer and I would love to be seen as that not as a late paying consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that CITI CARDS CBNA have placed an inquiry on my XXXX  credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX 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 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 602 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

I attempted an online transfer of {$200.00} from my Wells Fargo account to my husband 's Wells Fargo account. During the process, I mistakenly selected an option to send the money to my husband 's old XXXX account, which has been closed for several months, instead of his current Wells Fargo account. The money was immediately withdrawn from my account during Wells Fargo 's attempt to send it to my husband 's old, invalid account. Four days later, I noticed my husband had not received the {$200.00} nor had it been returned to my account. I contacted Wells Fargo customer service. They say I have to file a claim to get the {$200.00} back, which may take an additional 10 days to resolve. My complaint is that 1 ) This online transfer should have been a pending transaction until the money successfully reached a valid account. In such a case, the {$200.00} could have been immediately restored to my account when the error was discovered. 2 ) It 's unethical, and possibly illegal, for Wells Fargo, or any third party Wells Fargo utilizes, to withdraw and retain a customer 's funds for up to two weeks when it was immediately known that the target account for the transfer was no longer valid. It 's unsatisfactory for customers to have to wait for inordinate amounts of time to have money restored to their accounts., when these problems can be securely corrected within minutes, not days.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account Name : XXXX XXXX XXXX Account XXXX : XXXX Amount : XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Rocket Mortgage checked my credit when I was not even applying for a home loan with this company. I have requested it be removed from my credit bureaus but they refused. I see online complaint about this from others as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.