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

The companies below are violating code ( 15 USC 1681b Permissible Purpose ) however, I did not give my permission nor written signature to report this information to my credit report this information is not accurate and incorrect it is fraudulent. I demand that the information below gets removed immediately. 

XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX XXXXXXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX
Product: Mortgage

I have called Shellpoint about removing PMI several times. 
XX/XX/2024 I called they provided me with the required form to fill out and the BPO cost I must send with the form. After the call I sent the signed form and the check. Shellpoint stamped the check received on XX/XX/2024 and cashed it on XX/XX/2024. 
On XX/XX/2024 after hearing nothing from Shellpoint nor any appraisal companies I called Shellpoint back to make sure everything was ordered and moving along smoothly, I was informed it is all moving smooth and to continue waiting. 

After a few months on no contact I called back on XX/XX/2024. On this date I was told nothing was done and it is being held up for an unknown reason. I was told to wait 48 hour and I would receive an email or a call to resolve the problem. This was around XXXX XXXX  so I gave them some extra time. 

I called back again on XX/XX/2024. The man who helped me let me know nothing was done again. However he was able to fine an " appraisal '' with the date of XX/XX/2024 and an property evaluation of {$660.00}, XXXX. He let me know he would email it to me and that I should expect to have a resolution to the PMI removal in the next few days. 

I called again on XX/XX/2024 because I never received the email I was promised and he noted he would send in their notes on my file. The lady who helped me on XX/XX/2024 let me know that the document he shared details from was an internal evaluation she can not share and it has no relevance to removing PMI. She was not sure why he would share this information. She also let me know that my check had still never been used to order a BPO/Appraisal. I was told her manager has finally ordered the BPO but she could not provide me with an estimated date nor any proof it has been ordered. 

This has now been a 5 month long process of being lied to misled and robbed of money that was allocated for a purpose but was cashed and done nothing with instead. I do not had any faith that Shellpoint Mortgage has ordered my appraisal as I paid and instructed them to nor do I expect them to be honest with me and handle my case in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a once a year chance to obtain and review a free copy of our credit report. However, this year, the site inexplicably fails while trying to obtain each of the 3 reports. Each Credit Agency gives an error without explanation, and suggests a mail-in report instead. 

This is the first time this has ever happened to me, and discourages consumers from exerting their right to see their credit report once a year. 

Credit agencies should be required to actually provide the report online in a convenient format as intended by the website. Else they are simply pushing consumers to pay for access to their own personal credit information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Reporting differently on all credit agencies- payments should show that they are all on time. 

XXXX XXXX XXXX  This is not my account it has been erased from XXXX but still being reported on XXXX and XXXX XXXX This should be deleted from all bureaus. 

XXXX XXXX XXXX- This company is reporting misinformation which is not consistent on all 3 credit bureaus. this is not my account and should be deleted. 

XXXX XXXX XXXX  This account is a redundant account under a different dept collector. I do not own this account. it should be deleted. they are reporting inaccuracies as well. 

XXXX XXXX  This account is still showing up on my XXXX account when it should be deleted. It has been deleted from other bureaus. this account should be deleted. 

XXXX XXXX XXXX XXXX  this account is showing inaccuracies. this account should have been closed in good standing but they are still reporting like the account is still open when it isn't. this account should be deleted. 

XXXX XXXX This account has been deleted from my XXXX report but still showing up inaccurately on my other bureaus. This account should be deleted. 

Overall these accounts should be deleted from my credit report i have sent numerous letters to them and the creditors. They are still holding on to information which is illegal.
Product: Student loan

Several months ago, I sent a certified letter to Firstmark Services ( a student loan servicer ) stating that the debt was not mine. I also submitted disputes to all three credit bureaus on two separate occasions. Once, about 8 months ago, and the second time, I submitted a dispute about 2 months ago. The problem was not fully resolved. My credit has been decimated, and my credit score has also been affected.
Product: Checking or savings account

I recieved a XXXX payment and then tried to send that payment out to pay my rent fees, the bank suspended my XXXX and placed a hold on my account indicating fraud is looking into the account. Its been XXXX business days and I have gotten no response from anyone at the bank. Ive spoken to the branch manager and still have gotten no help. Ive asked about policy and procedure and was told the fraud dept is looking into the account and will decide on it when they get a chance. When asked to speak with that dept was told I can not and just have to wait on them.
Product: Credit card or prepaid card

I recently reached out to Comenity Bank which is a part of Victoria Secret when COVID-19 hit Alabama and informed them that I needed help with my bill. They offered their assistance ; however, during that time I was able to pay my minimal balance and pay my bill down to where I had available credit of {$150.00} out of a {$250.00} limit. I then requested a limit increase. They sent a letter saying that I was denied for the increase and my balance would remain at {$250.00}. A few days later, I got another saying that my credit limit had been decrease to {$110.00} which left me with an available balance of {$7.00}. I called to ask about this and how they could do this. They said because I had fallen behind on my bills. This was not correct when actually I had improve significantly and worked hard over the past few months to make sure nothing went delinquent. I requested that they return my {$250.00} credit limit because they decrease me days before they were reporting to the credit bureau which would cause a significant decrease in my credit report because it would seem that I am using over 90 % of my credit usage. This is unfair to a customer especially during hard times like this.
Product: Checking or savings account

I deposited a check online on XX/XX/XXXX. Received an email saying it will be available in XXXX business days, which would be XX/XX/XXXX. A few hours later i receive another email saying my XXXX  and external transfer profiles were suspended. I have never used XXXX or transferred anything. Then received another email stating account was suspended for suspicious activity which until now, they have not told me what the activity is. I called the same day and was told to call back the following day. I called again XX/XX/XXXX and was told that they are waiting for check to clear. A few days later, i call again and was told to wait for XXXX business days and account will automatically be unlocked. I call after XXXX business days because that did not happen at all. Was told very rudely that they have to confirm from agency check was issued from. I asked if I can send in the proof of the paperwork sent by the government agency to be able to be able to receive my check. Person rudely cut me off and told me no and to just wait. It has been past XXXX business days and it is a government check that can easily be verified. I keep getting told different excuses and that is not ok. It is XX/XX/XXXX and i still cant access my account online or have access to my funds that is already in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Re- Equifax I want to personally for finally providing a letter of explanation but however I disagree with your findings. Due to multiple violations of the FCRA on your behalf! 

1. Your office removed chapter 7 public record XXXX on XX/XX/2021 on XX/XX/2021 the public record was reinserted without 5 days notice of the reinsertion! 

2 ) under section 609a ( 2 ) to request and for you to provide me with the following information within 15 days from the bankruptcy court as to why did they have you re-insert the public record back on the credit report your office refuse to respond with any of the information requested of you!

3 ) The required notice of dispute was never entered after your 30 days of completion of the investigation FCRA 623 ( a ) ( 3 ) is very clear! 
Your office and the only credit reporting office enters reinvestigation consumer disputes. But each complete investigation must states consumer dispute meets FCRA requirements 30 days after the completion of your investigation! 

In your recent complaint you stated that you use a third-party vendor which is XXXX XXXX to make changes deletions etc. there is no way that XXXX could change any information on anything thats being reported by the court so this is a false statement! The court is the original furnisher of the public record and they would be the only one to make any type changes on any public record. And Equifax I asked all of you to be respectful and remove this public record from my credit file due to the violations listed above! You have not provided me with any direct information that I requested under sections of the FCRA and statutes therefore This public record needs to be immediately removed. I have provided you with a letter indicating that the courthouse does not speak to any reporting agencies thats how I know that they did not have you re-insert the public record and again they would be the only one that would be able to have you re-insert that thats why no notification was sent and thats why you refuse to go to the courthouse to provide me with any of the information listed above again please immediately remove this public record from my credit report because due to the violations you were in violating my silver rights and my personal life thank you very much XXXX
Product: Vehicle loan or lease

i bought my car using Chrysler Capital XXXX XXXX in XXXX. I was with this company for XXXX  years never late on payments. on XX/XX/XXXX i refinanced my car with a different company. i made my last payment to Chrysler Capital on XX/XX/XXXX and refinanced my car with another company that same day. my new finance company received the final payout information XX/XX/XXXX to end my contract with Chrysler Capital and start my new contract with my new finance company. Chrysler capital received the final payout check XX/XX/XXXX via mail. as of today Chrysler capital is stating i have an outstanding balance of XXXX $ still because they state the final car payment i sent didn't go through but i have the bank statement from XXXX XXXX showing otherwise. they tried to say the final payout check from my new finance company wasn't sufficient enough but when i had them on a XXXX call they took that statement back and confirmed with my new finance company that the final payout check was correct, it was the final payment that i sent that did not go through. But i have the statement from my bank account showing the date the payment went through to Chrysler capital. i even faxed them ( the same picture uploaded on this complaint ) showing the payment went through with the date.
Product: Credit reporting

My wife & I are getting ready to apply for a home loan. 
Our lender told me that her reporting bureau CREDCO is showing a {$570.00} outstanding debt collection on my information & social security number from XXXX XXXX. 
We are current XXXX customers have been since the XXXX bill is current as usual.
Product: Debt collection

These XXXX accounts were opened without my authorization. Someone used my information to make purchases without my knowledge. I tried to contact the creditor to fix the problem and sent them documentation of the fraudulent accounts. They refuse to delete these from XXXX and this is causing me great amounts of stress. 

XXXX # XXXX XXXX # XXXX
Product: Credit reporting

I wrote and corresponded directly with XXXX and was told the account was closed with no penalty to me as per the contract which requires XXXX days notice and cancellation allowed for medical reasons. I also sent a letter to collection agency XXXX XXXX XXXX and never received reply. Now I see it 's still on my credit report. How do I get this removed?
Product: Credit card or prepaid card

Bank of America account : Account is closed so I only have last XXXX of account number ( that is all that is sent on email and I cut up card - so I can not provide full number unfortunately ) 1- I called to close the account in early XX/XX/2021 ( I believe XX/XX/2021 ). You can not do this online. I had balance of around {$550.00} and this was paid. 
2- I assumed account was closed, I stopped receiving monthly account statements ( which had always been sent by email - no change in email address or home address ), had NO communication from company 3- XX/XX/2021, received email of monthly account statement that looked like they had previously. IT stated I had payment due of {$70.00}. No phone calls and no contact of any urgent nature, simply a monthly statement. Actually didn't even mention about anything outstanding. I thought it might be some scam as my account was closed for months ( I thought ) and I had not used the card ( had cut it up ) so I called the company. 
4- After countless communication with them, it was determined that they do have history of me calling to close the account but it was not closed. But yet they seem to have documentation of what day I called to close it as they were able to tell me the exact day I called. I am told it was only officially closed because I didn't make a payment for 3 months, yet I received no statements or communication and they can not provide any documents to show that they tried to contact me ( because they didn't try ). 
I am told there was still a remaining {$70.00}. They can not explain why nobody contacted me by mail or email for 4 months or how I would have been able to close an account with a balance. 
5- I gave them my bank routing information to withdraw the balance directly from my account. On XX/XX/2021, an amount of {$70.00} was deducted from my account ( check # XXXX ) and I was told that any filing of bad debt would be corrected. 
6- Today I have again received notification by email that I have a {$72.00} dollar outstanding balance on this account. I have no idea where the money went that was deducted from my bank account 7- I see today that my 20 year credit ( typically was around XXXX score ) has dropped from " exceptional '' to " good '' as is now XXXX due to an outsiding debt and this just occured ( per the graph ) in XXXX XXXX at time they suddenly sent me a statement 8- My contact has been XXXX XXXX at Bank of AMerica ( he was person this was escalated to ). Call XXXX and they will connect to him or can leave message. 
I AM NOT SURE HOW TO CORRECT THIS AND MY FINANCIAL HEALTH AND YEARS OF EXCELLENT CREDIT HAS NOW BEEN AFFECTED DUE TO INCOMPETENCE IN THIS COMPANY. PLEASE ADVISE ON WHAT I SHOULD DO, i BELIEVE THIS TO BE ILLEGAL. 
Thank you!
Product: Credit card or prepaid card

I signed up for a card that I was informed was for XXXX dollars, I got approved, then the card came informing me it had a {$500.00} limit so I use it and it stops working at {$300.00} call the company and they tell me they can give me credit for whatever they want, just because the letter said you would be getting XXXX does n't mean that what well give you, bs. Then sent my information to other companies because now I get emails and phone calls about all these other cards and XXXX when they screwed me over and I never asked for any other offers. They took my information to use it however they saw fit and think it 's ok to XXXX someone ocer just because their some big company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The XXXX, TransUnion and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed accounts which now, given all my endeavor to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$25000.00}
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
XXXXXXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$950.00} XXXX XXXXXXXX XXXX Balance {$140.00} XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$490.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

The phone number says he with my account is XXXX for my phone in my purse were stolen I made a police report I sent it to your people my name is XXXX XXXX the counter on XXXX XXXX my birthday is XX/XX/XXXX my Social Security number is XXXX email says he will my count is XXXX XXXX XXXX {$1500.00} was stolen from you it was a deposit from XXXX charities I want my money back now Albert Cash Account statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account number XXXX Statement period XX/XX/XXXX, XXXX XXXX, XXXX Transactions Date Merchant Summary Beginning balance on XX/XX/XXXX Deposits Withdrawals Purchases Fees Ending balance on XX/XX/XXXX Get help Text us at XXXX XXXX {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} Balance Type Amount Error resolution notice In case of errors or questions about your electronic transfers telephone us at XXXX or write us at XXXX as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared. 
( 1 ) Tell us your name and account number ( if any ).

( 2 ) Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information. 
( 3 ) Tell us the dollar amount of the suspected error. 
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. 
Banking services provided by XXXX Bank, member FDIC.
Product: Credit reporting or other personal consumer reports

Hi, this is shocking to know that my credit report has been improperly used, applications were done in my name and these companies pulled up my credit report without my consent nor authorization, Neither I recognize these fraudulent inquiries nor consented to it. I am in dismay and disbelief that this have been done violating my rights as a consumer, it is absolutely insulting to me as a law-abiding citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two accounts for XXXX XXXX XXXX XXXX. This company is XXXX XXXX. Ive sent Equifax notification that the creditor has requested that those items be removed from my credit files. Equifax is still reporting both of these accounts. I am filing this complaint as another way to give Equifax the documentation showing that they should delete both accounts from my reports. I also attached an additional dispute letter. Please review the disputes. I faxed the same documentation to Equifax but Ill resubmit in this complaint to make sure its received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTE THIS SITUATION MORE THE 5 TIMES THEY RESPOND ARE YOUR ACCOUNT IS BEEN VERIFIED AND UPDATE BUT WHEN I CHECKED EVERYTHING REMAIN THE SAME