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

XX/XX/XXXX  -     XXXX   XXXX   XXXX   XXXX   XXXX   (  XXXX  ) automatic payment service (   XXXX   XXXX  /mo ) failed to cover a {$0.00} balance on  my HELOC ac count.        XX/XX/XXXX   - I noticed a 30-59 da y delinquent report on my report for my   XXXX   XXXX   reported by TransUnion. This was not reflected on my   XXXX   report.        XX/XX/XXXX  -  I  contacted  XXXX  requesting that they update and correct  my credi  t score o ver this error in their auto-pay system. They agreed and said it would be a few days to update on my credit reports. The update was reflected on the   XXXX   report but not the Transunion report.       XX/XX/XXXX  -  I disputed the delinquency on TransUnion web site, which had lowered my credit scores Transunion and  XXXX , mentioning that   XXXX   was correctly reporting a 100 % payment record.      XX/XX/XXXX - While I did not receive Transunion 's promised " Dispute Resolution Email '', I noticed that the  XXXX   reporting h istory reflected t he 30-59 day d elinquency within n two  days of the dispute. Never did I receive an investigation resolution email.       XX/XX/XXXX  I ag ain asked  XXXX  to correct and update my credit record. Within  two  days,   XXXX   corrected the record to reflect a 100 % on time payment record, while TransUnion did not.       XX/XX/XXXX   I again disputed the record via TransUnion 's web site claiming that I never received a  Dispute Resolution Email  the first time reported and that this is still incorrect.       XX/XX/XXXX   No response received from TransUnion, but again, my   XXXX    score dropped  XXXX  points to  XXXX  from  XXXX  the only change bein g a 30-59 day  delinquent charge, coincidental with the dispute of TransUnion 's report.       XX/XX/XXXX  to date,  no response from TransUnion regarding my any of my efforts to dispute and correct this report.     The TransUnion score and the  XXXX  score which they provide affects my access to loans for which I qualify and could affect my auto insurance rates, among others, of which  I may no t be aware.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of 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 ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX DOB XX/XX/XXXX SS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX PROBLEM : XXXX XXXX was recording this account to all 3 credit bureaus XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX then the credit card number was reissued due to Lost and thereafter all of the information disappeared from all three credit bureaus and was never reported with the new credit card information and payments applied however XXXX XXXXXXXX is now claiming that they have continuously reported the new information to all 3 credit bureaus since then that is XX/XX/XXXX however none of that information as shown up on any of the three credit bureau report associated with my name and social security number even though that information has been verified by XXXX XXXXXXXX and the three credit bureaus yet nobody can solve the problem why it is not appearing and being reported on my credit bureau reports. I have noted online that there are several other XXXX XXXX credit card holders experiencing the same problem and that is not just me so this must be some kind of it either an engineering problem or some kind of a scheme going on to manipulate consumers. The following is an excerpt from my 3 Bureau credit report from XX/XX/XXXX the last report that this account was reported to all three bureaus : Account Name XXXX Balance {$580.00} Credit Limit {$750.00} Usage 78 Type REVOLVING Status Current Opened On XX/XX/XXXX Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Usage 78 % Balance {$580.00} Balance Updated XX/XX/XXXX Credit Limit $ 750 Monthly Payment {$25.00} Past Due Amount - Highest Balance {$780.00} Terms Revolving Responsibility Individual Your Statement - Comments Account was in dispute-now resolved-reported by subscriber Contact Information XXXX XXXX XXXX XXXX, VA XXXX BYMAILONLY Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU BROKE THE LAW!!! 


This letter is to inform you that I recently received a copy of my consumer report that your company publishes and after reviewing it, I found a number of items on my consumer report that are inaccurate. The accounts in questioned are listed below. Please send me copies of the documents that you have in your files as of this date that you used to alleged verify the accuracy of the accounts listed on my Consumer Report. 
Under the Fair Credit Reporting Act, 15 U.S.C. *1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my consumer report file. Please do not respond to my request by saying that these accounts have been verified, because I do not have the documentation that you claim to have used to verify the accuracy of the accounts in question. Send me copies of the documents that contains my hand written signature acknowledging the below listed accounts. If you do not have any documentation in your files of these now disputed accounts, then you need to delete them immediately as required under section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my consumer report and distributing them to third parties you are damaging my reputation and credit worthiness. You are furnishing consumer information on an account where you infringed upon my rights pertaining to privacy. According to 15USC 1681 the Transaction was private and was solely between the person and myself.

Under the FCRA 15 U.S.C*1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you will remove these accounts from my consumer report. 
You need to provide me with a copy of an updated and corrected copy of my consumer report showing these items were removed, I demand the following remove all the credit inquires not attached to verified accounts. I did not authorize anyone to run my credit.
Product: Mortgage

Shellpoint for over a year has been mailing my monthly mortgage bill to the WRONG ADDRESS, refuses to fix it. I only just now found out. 

There are 2 borrowers with equal rights. 

Other borrower abandoned home, went missing, stopped paying mortgage, committed XXXX against me, changed phone #, all contact info. - on XXXX Over a year ago. 

I have told employees at Shellpoint this by phone, email, chat, website messages. 

The subject property where the mortgage is, was, always has been : XXXX XXXX XXXX XXXX XXXX The county is, was, always has been : XXXX XXXX They have : XXXX XXXX They have been told by phone, mail, email, chat to fix the county, where the property taxes are paid. 

They have refused to fix the county. 2 years, it is still wrong. 

Now I find they are sending my monthly bill and correspondence to the co-borrower who abandoned the property, in XXXX XXXX 

No one made this change. 

Best of all, they are LYING and saying USPS is responsible. 

No, it is PREPRINTED BY SHELLPOINT MORTGAGE ON THE BILLS. 

USPS DOES NOT PRINT THEIR BILLS. 

So now not only do they have the WRONG county, WRONG mailing address, WRONG mortgaged property address, WRONG person the bill is being mailed to - they have refused to fix for 2 years, and 1 year- now they are lying about it. 

USPS DOES NOT HAVE ACCESS TO SHELLPOINT 'S INTERNAL BILLS THEY PRINT OUT AND MAIL.
Product: Money transfer, virtual currency, or money service

In XXXX buy XXXX euros of XXXX  on the exchange coinbase in bank transfer. The next day they sent me an email that my account was under review, so far perfect. I saw that the days were passing and my account was still under review, until yesterday, XX/XX/2021, when they removed my resvision and I could now operate. But today XX/XX/2021 they have put me under review again and I don't understand why. I would like to have the review removed because I need to have my money.
Product: Debt collection

The issue is that a company named Rent Recover LLC is continuing to report thecollection account as " open '' when it has been discharged since XXXX/15. I have attempted previously to get this resolved with Rent Recover directly. I was told they would not remove this from my credit profile unless I paid it in full. It continues to show as an open account. This needs to be REMOVED immediately.
Product: Debt collection

I am the employer of the Employee who the XXXX XXXX XXXX XXXX XXXX is attempting to garnish wages. On XX/XX/XXXX they Served my employee paper work for the amount that he owes. In the paper there were documents for me as the employer to fill out and send back. I reached out to my payroll company for guidance and they told me to fill out the paper work and I would be receiving a correspondence confirm the amount to withhold, etc. About 3 months past and I didn't hear anything back. XXXX XXXX an employee at the XXXX XXXX XXXX XXXX called me at my work. She was threatening to take legal action against me as the employer if they didn't receive a payment, she threatened to sue me and put a lien on my property. I told her I sent in the paper work and was waiting for correspondence back from them. That's what my payroll company directed me to do. She said that's not right and I need to submit a payment immediately or they would take action against me. She said that they ( the lawfirm ) didn't need to give me an amount and that I was required to send 25 % of his next paycheck in. This last payroll I processed 25 % of my employees paycheck to send into them. But then i started reading some information because to me that didn't seem right to be taking that much of a paycheck for a small medical bill. As I read I see that there is the Fair Debt Collection Practices Act in place that limits how they can speak and use the threatening language. XXXX XXXX, was speaking to me about as abusive as anyone can speak to another human being. Then began to threaten me and my business, even though I took the necessary steps to contact them by sending in the documents they asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report with XXXX it shows I have 14 accounts/ loans. 
My loans have been in forbearance and/ or a {$0.00} payment re-payment plan. 
My account shows that the loans were late but I never had a payment due because I didnt have a payment. 
I have spoken to XXXX many times and they said that they can not undue the mistakes that someone else made on my account because they can not verify what that person said. But the fact of the matter is I never had a payment to make. 
I have requested that the three credit bureaus investigate the accounts many times but the accounts are never corrected and the late/ missed payment reporting still shows. 
Now that the account is closed I can not do anything. 
This information is hindering me from be able to securing funding and operate my business. 
In accordance to 15 U.S.C. 1681a 602a the information furnished and being reported is inaccurate and causing tremendous burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an alert from credit sesame saying I had a new credit card inquiry! I immediately pulled up my credit report and it shows on my report that I inquired about a Lowes credit card. 
I immediately contacted Lowes fraud department and I explained to them that I had not applied for a credit card and that they should remove this account off my credit report! The lady explained to me that they need to take measurement to make sure that it wasnt me! She ask me to verify my social security number and I did and she told me that this is totally different from what she was looking at and then went on to say that I need to contact transunion and let them know that there is an inquiry on my credit report and that it doesnt belong to me! Now, I contacted the XXXX credit bureau and they told me that they can just remove anything without contacted you and making a report and to print it out and send them a company of it! 
Thank you, for your time and patience!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.

This debt is not mine and I was given no evidence of this being valid.

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. A

ccording 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 the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX NAVIENT XXXX NAVIENT XXXX NAVIENT XXXX
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX  Employer - XXXX  XXXX  Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit card

Purchased Bed from wayfair and was guaranteed XXXX interest for 24 months period. I spoke to a rep in XX/XX/2023 after receiving my statement over a month after it was supposed to be received. The statement had not had the promotion listed and I was being charged interest.The agent refunded me the previous months interest and informed me that I would be placed into the XXXX promotion interest program, I have called every month since and It was not been adjusted. I have had my balance balloon in interest fees to the tune of XXXX and I am at my XXXX end..
Product: Credit reporting or other personal consumer reports

I have my mortgage payments set up on auto pay. I have never been late and my checking account shows that my payments have been made on a timely basis. I have called 5 time starting in XXXX to have the issue resolved and they say each time that issue has been resolved on Newrez LLC end. This issue first happened on XX/XX/XXXX when I received an alert that my credit score has went down from XXXX to XXXX due to a past due payment to Newrez LLC for my XX/XX/XXXX payment. I called Newrez LLC the next business day and they said I did make my payment but that it was applied to the incorrect account. The agent on the phone also confirmed that it was resolved and would not happen going forward. I also asked if they were going to fix my credit report and the Newrez LLC agent stated that it would be corrected in the next 30 days. On XX/XX/XXXX I noticed that my credit report was not updated showing my payments were not past due and called an agent to ask why my credit report was not updated. The agent state that i need to submit a request in writing and then it would be updated. I also asked to confirm that no future payment issues would arise like with my XX/XX/XXXX payment. The agent said that yes it has been corrected. Newrez LLC did update my the XX/XX/XXXX payment on my credit report but has now reported that id did not make my XX/XX/XXXX payment. I have attached my bank statement showing all of my past Newrez LLC payment going back to XX/XX/XXXX 2024
Product: Vehicle loan or lease

I submitted a debt validation letter to Santander USA, requesting proof that I lawfully owe them this debt on XX/XX/XXXX. 

I gave them 21 days to respond, in which they did. In their response, they did not provide me with sufficient documentation that this debt is owed to them. I also asked for 30 days to investigate their information, with a cease and desist command so that I can investigate this information with less stress. 

This company did not honor my request and began calling again on last Tuesday. I have proof of the phone log that I am providing here as well. 

This debt has ruined my entire life, my credit and my financial status. I have had a hard time getting adequate housing due to this false and misleading information that appears on my credit reports and robs me blind each month. 

My interest rates have skyrocketed and I'm asked to place more money on housing and deposits on utility bills and other needs. 

This situation has ruined my health and has caused major stress in my life. Im afraid I will not have a place to live or even transportation, as Im in fear of not being able to transport in the way that is necessary to secure a living wage. 

I humbly requested that Santander Consumer USA provide me with adequate proof that I owe the debt, pursuant to Title 15 US Code 1692g.

I received no information that proves that any debt is owed to this company. In fact, pursuant to Pursuant to 15 U.S. Code 1692a ( 4 ) and 15 U.S Code 1602 ( g ), the documentation provided proves that I am the original creditor who has extended credit to this company. 

I have documentation that I will provide that adds up all of the dates and code violations from this misleading debt that has been placed on me as a obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about? 

Credit inquiry placed on XXXX Credit Report on XX/XX/XXXX and XX/XX/XXXX. I am requesting that the company remove the inquiry. 

Step 2 : What type of problem are you having? 

I did not apply for credit with FLAGSHIP CREDIT ACCEPTANCE. I am unable to resolve the issue with the company. The company is giving me a run-around. 

Step 3 : What happened? 
I received an email alert from XXXX that there was a recent change to my credit information on XX/XX/XXXX. I contacted FLAGSHIP CREDIT at XXXX, I informed the rep that I did not apply for credit. The rep stated it was to refinance a vehicle. I explained to the rep that I did not have a car loan to refinance and that I wanted this inquiry removed. He told me that I had to call another department. 

Step 4 : What company is this complaint about?

FLAGSHIP CREDIT ACCEPTANC Step 5 : Who are the people involved? 

FLAGSHIP CREDIT ACCEPTANC XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX