23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Formal Dispute and FCRA Violation Notice Regarding Unauthorized Sale of Social Security Number and Request for XXXX Form Dear XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the unauthorized sale of my personal information, specifically my Social Security number , to secondary creditors. As a consumer, I am entitled to the protection and privacy of my personal information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

It has come to my attention that my Social Security number was shared with third-party entities without my explicit consent, which is a direct violation of my rights under the FCRA. This unauthorized sharing of my sensitive information not only breaches my privacy but also puts me at a heightened risk of identity theft and other fraudulent activities. 
As stipulated by the FCRA, I am entitled to : XXXX. The right to be informed if information in my credit report has been used against me. 
XXXX. The right to know what is in my file. 
XXXX. The right to dispute incomplete or inaccurate information. 
In addition, I am aware that I have the right to a copy of the XXXX form that was used for tax purposes in the event of debt monetization using my Social Security number. It is particularly concerning when such monetization has occurred without my permission, either by the original creditor or by any purchaser of the debt from the original creditor. The issuance of a XXXX form has significant tax implications for me, and I am entitled to all documentation related to this action. 


I demand that you immediately : XXXX. Cease any further sharing of my Social Security number and other personal information with secondary creditors or third parties. 
XXXX. Investigate this unauthorized disclosure and provide me with a detailed explanation of how my information was shared, including the names of all entities that have received my information. 
XXXX. Confirm that my Social Security number has been removed from any databases accessible to secondary creditors or other third parties. 
XXXX. Provide me with a copy of the XXXX form related to the debt monetization using my Social Security number. 
XXXX. Delete Account From credit report Please consider this letter as my formal dispute of this violation. I expect a prompt response, including the steps you will take to rectify this situation, within the 30-day period as required by the FCRA. Failure to comply with these requirements will leave me no choice but to pursue further legal action to protect my rights. 
Please send all correspondence regarding this matter to the address listed above. Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a position at XXXX XXXX and they needed to do a back ground check. When I received the information from the report there is an address on there that I didn't live or reside at. I need it taken off my report and also don't know if this is what is holding the XXXX XXXX HR dept up from being able to see my report. The lady in XXXX said she hasn't received the information back yet but First Advantage through XXXX XXXX send me a copy of the report via email. 

The address I am disputing is XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX I have never lived or worked at this address. 

Please take this off my report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Hello I received a debt collection letter from Jefferson Capital on XX/XX/21 stating I owe {$630.00} for a XXXX XXXX bill. I stated to the representative that I have not had XXXX as my provider. She stated that they have this on record as a debt and they are reporting it on my credit report. I asked her to provide me proof of the debt and advised her to remove it from my credit report. She wasnt willing to provide me proof of the debt belonging to me and demanded payment.
Product: Mortgage

In XXXX of 2022, I was approved for a loan modification after exiting the COVID-19 special forbearance. With the assistance of the CFPB and VA mortgage helpline, XXXX XXXX XXXX offered a loan modification. Some of the terms of the modification were that XXXX would submit to the VA a request for a partial claim payment, and offer an interest rate of 4.375 %. Despite processing the loan modification, XXXX, and now Shellpoint has refused to accept online payments, and " lost '' several checks I sent in as payment. I have previously documented these issues with the CFPB, yet XXXX continues to refuse to offer an efficient and modern way to pay my mortgage. 
In XXXX 2022, servicing of my loan was transferred to Shellpoint. When the loan was transferred, XXXX failed to notify the new servicer of the partial claim payments, or any payments I had made on the mortgage, resulting in Shellpoint calculating an alleged debt of {$88000.00} as of this writing. I received a notice from a law firm threatening foreclosure, despite the fact that I had requested Shellpoint and XXXX update the data regarding my mortgage in their respective systems, and that I am currently undergoing the loss mitigation process with Shellpoint. 
I have received and returned loss mitigation documents to Shellpoint. In these documents, I explained that the past due balance was due to XXXX failing to provide the proper documentation upon transfer of the loan. I also enclosed a home inspection report that listed several defects with the the home that affect its habitability and marketability and stated that I had plans to sell the home in the near future, but would need to convince the builder, XXXX XXXX XXXX to fix those defects first. An SPOC person at Shellpoint, XXXX XXXX, requested information that is not required per the documents I had received but did not comment on the other issues I had raised. She requested two months of bank statements, which because of the fact that I am on VA and SSDI are not required, as well as information which I had already provided in the loss mitigation packet regarding my desire to sell the house. In previous emails to XXXX, I had also explained the situation with XXXX not providing proper documentation, and encouraged her to contact my assigned loan technician at the VA, XXXX XXXX. To the best of my knowledge she never did, and those emails were not replied to.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several inaccuracies on my account, which are negatively impacting my ability to obtain credit. I understand that it is your responsibility to investigate these discrepancies to ensure the information is accurate. 

Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] report activity XX/XX/year> and then it says the report is open and 120 days late every month XXXX : [ synovus/first progressive ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : XXXX synovus/first progressive ] [ XXXX ] This account is showing twice on my credit report open and a charge off XXXX : [ synovus/first progressive ] [ XXXX ] TThis account is showing twice on my credit report open and a charge off XXXX : [ Sunrise Credit Services ] [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : [ Sunrise Credit Services XXXX [ XXXX XXXX This account is showing as an open charge off account and updating monthly XXXX : Sunrise Credit Services ] [ XXXX XXXX This account is showing as an open charge off account and updating monthly
Product: Credit reporting, credit repair services, or other personal consumer reports

When I review my updated credit report in Identity IQ, I see that same accounts were inaccurate. The credit reporting agency is required to reinvestigate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$33000.00}, XXXX XXXX XXXX Balance Owed : {$5300.00}, XXXX XXXX XXXX Balance Owed : {$6000.00}, XXXX XXXX XXXX Balance : {$1700.00}
Product: Credit reporting

Hi, In 2009 We did a shot sale on my real estate property ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), not foreclosure. In my account it 's showing as foreclosure. Please find the attached prof of document. 

Please investigate and update my report.
Product: Mortgage

Was not properly contacted when my mortgage company sold my mortgage to another company. The contact information my prior company provided was incorrect or the new company recorded it incorrectly. The transfer happened on XX/XX/2016 and I found out that it had changed when a 60 day late payment appeared on my credit report. I had direct withdrawl with my previous company and assumed that the money was coming out automatically like it had for the last 8 years of my mortgage. I do n't think I was properly notified and have a 8 ( almost 9 ) year track record with my mortgage and now no creditor will touch me because I have a 60 day notice on my credit score.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX XXXX
Product: Mortgage

wells fargo bill me for atty services XXXX, XXXX this is the XXXX time they did this and do n't explain it. There a court date on XXXX XXXX, About a settlement for judgment, they need to explain things to me. 

And they s/b be suing the XXXX who created this mess, thinking they could foreclose on pty that the bank owns, by not serving them.
Product: Checking or savings account

We are in the midst of construction and realized we needed a significant change order due to some structural issues that arose. We called a number of banks and found out that most banks would n't do a home equity loan while under construction. We spoke to First Republic and they said that they could do things other banks could n't and offered us a home equity loan. We spent two months filling out paperwork, notarizing items, and working through their process. I was also told I could draw on my original home equity loan at another bank during this process. However, when I went to write a check I realized that they had closed my home equity loan with my other bank!
After two months, they called me and explained that they were n't giving us the loan since we were too early in construction. This seems crazy considering that they had an appraiser come out and photograph the project and we were very honest as to where we were in construction. Another large issue is that they tried to force me to open a checking account and I refused until they opened the loan.
Therefore, my complain is on three fronts : ( 1 ) useless opening of loan paperwork due to lack of due diligence, ( 2 ) closing of my other accounts when they specifically told me using that old account was not an issue and ( 3 ) trying to force someone to open a checking account for a loan they were not planning to grant me ( bait and switch ).
While I 'm not doing business with this company ( nor would I ), others should be warned about their business practices.
Product: Mortgage

On XX/XX/2020, I received email confirmation from Mr. Cooper stating, " Thanks for your recent payment. We posted it to your account on XX/XX/2020. ". See attached email for a print out of email. 

Later that month, I received my XXXX statement confirming the XXXX payment has been made, see attached. 
On XX/XX/2020, I received text from XXXX, that read " Mr Cooper Loans. Sensitive Alert 1-pay o
nline www.mrcooper.com 2-pay via phone at XXXX. " We are a debt collector. '' To OptOut, reply, " stop '' ''. 

On XX/XX/2020, I called Mr. Cooper and inquired about the a text message from a debt collector. The rep stated the text was not from a debt collector, rather it was from Mr. Cooper about not receiving a payment for XX/XX/2020. I was surprised and explained I received email confirmation the XXXX payment was received. They explained the payment was not made. I made the payment to get in good standing. Given I received formal communication from Mr. Cooper - email and statement - I asked they not report it to the credit bureaus. They said they will look into it. 

There has been not communication from Mr. Cooper and my credit has been affected. 

Given the repeated confirmations from Mr. Cooper that my XXXX payment was received and posted ( email and statement ), I am asking for this to be removed and my credit history corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a complaint id # XXXX with TransUnion. On XXXX/XXXX/XXXX, TransUnion responded, however, they did not provide who they verified this information about two bankruptcies ( Case # XXXX and Case # XXXX ) showing on my credit report. I spoke with the US Bankruptcy Courts and they stated they DO NOT provide or verify any information. Please see the attached letter I received from them. I spoke with XXXX and they stated they DO NOT provide or verify any information. Please see the attached email I received from them. On XXXX/XXXX/XXXX, I sent TransUnion a certified letter which on XXXX. TransUnion provided me the attached response dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I sent TransUnion the attached letter and they sent me the attached response dated XXXX/XXXX/XXXX. TransUnion is not letting me know who they verified this information with AND per the letter I received from the US Bankruptcy Courts and XXXX they DO NOT verify or provide any information
Product: Debt collection

This company have called and told family members about my debt that I owe and this is a violation with my privacy. They have called my job and did the same thing and this is no one else business but mine. They are in violation for doing this
Product: Debt collection

Solomon & Solomon located at XXXX XXXX XXXX, XXXX NY XXXX is reporting an incorrect debt to all three credit bureaus. I contacted Solomon & Solomon on XX/XX/2018 by certified mail requesting validation of the alleged debt in writing. Solomon not only failed to provide adequate evidence of this owed amount of {$740.00} but failed to respond at all. After contacting Solomon on XX/XX/2018 by phone the representative informed me they could not provide the requested validation documents, after informing the representative they could not attempt collection of an account they can not verify she then ended the phone call with no prompt. This account has been disputed with all three credit bureaus.
Product: Credit card

I used my Capital One Pottery Barn card for a {$4500.00} furniture purchase and availed myself of the card 's 12 month interest free payment option. If the amount is paid off in 12 months, no interest or fees are charged, or so I was lead to believe. What they don't say is if you make any other purchases with the card during this period they will incur a 1 % fee on each purchase. Even if you pay the balance due each month. There is no way to avoid this fee, making the 12 month interest free option essentially worthless in my estimation. I feel this is deceptive even if it is disclosed in there multi-page terms of service that no one is expected to read when agreeing to apply for the card. This fee should at least be disclosed on every purchase if the 12 month interest free option is taken so that the customer has to option to use another credit card or pay cash to avoid the fee. That's what I'm doing. I won't use the card again until the {$4500.00} purchase is paid off in 12 months. They do not disclose this in the monthly statement and it took me 30 minutes on the phone with them for them to explain how their " minimum interest free payment '' was calculated, which was obviously not interest free.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each month, Elan Financial is reporting inaccurate credit card balances to the credit reporting agencies. These inaccuracies are preventing me from obtaining credit. 

Ive reached out to Elan about this issue and they told me that the inaccurate / incorrect balances reported, are mistakes of the Credit reporting agencies : XXXX, XXXX and XXXX. ( The reported credit card balances are the same for each agency. ) Ive reached out to each credit agency, and each one stated that Elan sends over this information electronically and thats where the account balances come from. My credit card statements have been closing between the 4th and 7th day of each month. Based on my credit reports, Elan has been reporting my balances to the credit agencies on the last day of the month. This month, however, they reported my balance on the 14th of the month, and they reported a higher balance than what my credit card statement says for XX/XX/2022. The balances owed, per my credit card statements, are not the same balances reported to the credit agencies, nor are the balances being updated on a systematic or consistent basis. These inaccuracies need to stop as they are negatively affecting my credit and my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Equifax informed the XXXX XXXX XXXX they would delete a fraudulent account reporting on my my credit report and make corrections to the inaccute late payments they are reporting with by mortgage lender XXXX XXXX and did not make the changes on my credit report. 

My XXXX XXXX account is showing that I was late for the entire 2023 year. My mortgage was in a Covid forbearance during this time pursuant to the CARES Act. I WAS NOT LATE and the late months should be reporting as current. 

XXXX XXXX is a fraudulent account. I have a police report to support this. 

I disputed the above information on the XXXX website on XX/XX/XXXX and Equifax agreed to make the changes but never did. 

Additionally, Equifax agreed to delete a XXXX XXXX XXXX account in XXXX and never removed the account. This account has also reached its statute of limitations of 7 years and should be deleted based off that as well.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts and inquiries from my credit file due to my status as a victim of a recent data breach. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that these items be removed from my credit report. 
Accounts to be blocked and deleted : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXXDate Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent items distress my XXXX XXXX. They should be complying with the FCRA guideline section XXXX but I think they are unmindful about this matter. Im attaching the required XXXX Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate XXXX XXXX XXXX XXXX XXXX enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

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

My name is and I am not filing this claim in the 3rd person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal report and has had a negative effect on my life, extremely reducing the ability obtaining any credit in my name. 
XXXX XXXXXXXX XXXX # XXXX  {$2600.00} XXXX XXXX XXXX XXXX  # XXXX {$4000.00} INQUIIES : XXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I HAVE ASKED THESE COMPANIES TO VALIDATE AND SEND PROOF THAT THESE ACCOUNTS BELONG TO ME WITH CONTRACTS I SIGNED IN WET SIGNATURES. SO FAR THEY HAVE NOT DONE THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER TRIED TO OPEN A CREDIT CARD AT LOWES OR ANYWHERE ELSE!!!! This is FRAUD!!! I am trying to work on my credit to purchase a house next year and all these fraudulent credit inquiries KEEP HAPPENING!!! My credit just dropped 85 XXXX points for an inquiry that WAS NOT ME!!!! This needs to be removed IMMEDIATELY!!!!!!!! I am tired of this! I am doing everything right to build my credit and these fake XXXX inquiries keep hurting me!!!!!!!!! The other companies havent taken them off even though they acknowledged it was fraud. THIS NEEDS TO BE FIXED IMMEDIATELY!!!!!!!!!!!!