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

on XX/XX/23 XXXX and XXXX failed to removed inquires and negative listed things of credit reports that were unauthorized and they have also stated that have disregarded my initial complaints have not removed what i demanded as fraud
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Having informed Reporting Agencies that my request to, Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all Authorization I the consumer may have given you Written, Unwritten Verbal, and non Verbal per 15 USC 6802.
Product: Debt collection

Didnt know debt was sold I contacted XXXX several times trying to find out details. Was told to file police report on issue. Back in XX/XX/2012 and never heard back from them tried to make paymemt arrangement even thou I was not at fault
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These are the inquiries which should be off from report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had purchased an item At XXXX XXXX XXXX  and XXXX and tried to withdraw money from XXXX XXXX and I never received the service or money and Im having problems getting my provisional credit
Product: Credit reporting or other personal consumer reports

A company by the name of XXXX XXXX XXXXXXXX XXXX is on my credit report & should not be. I feel XXXX, EQUIFAX, & XXXX put this creditor on my account without the proper research. Which is causing a negative impact on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems report is showing a paid in full item from XXXX as a negative item. I called USBank and they do not show they had ever reported the item.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX Program Attention : Disputes XXXX XXXX XXXX XXXX, GA XXXX Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I, the consumer may have given you whether written, unwritten, verbal and non-verbal per 15 USC 6802. 
XXXX is in violation of the following : 15 USC 1681b 604 ( a ) ( 2 ) 15 USC 6801 15 USC 1691 ( a ) 12 cfr 1002.2 ( c ) ( 1 ) ( ii ) EQUAL CREDIT OPPORTUNITY ACT ( Regulation B ) Per Internal Revenue Service publication 4681, canceled debts are considered income. A charge off is a debt that has been canceled, therefore the placement of this debt directly violates the FCRA which does not include income as permissible information. 
The Privacy Act of 1974 The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 
According to 15 USC 1692k, it is my right to pursue damages for civil liability for every instance of violation for this debt established in XXXX. I intend to pursue it. 



XXXX XXXX XXXX
Product: Debt collection

As a consumer my right to privacy has been violated. The last collection notice was dated XX/XX/XXXX and obtained by me from a false address on XX/XX/XXXX in the amount of {$2600.00}. 
The company National Credit Adjusters has listed this on my credit report causing injury, damages, mental anguish, and losses due to identity theft. On XX/XX/XXXX I have issued an Affidavit of Truth with exhibits, Debt Validation Letter and Cease and Desist.
Product: Mortgage

Shellpoint Mortgage XXXX, SC XXXX XXXX Sent escrow analysis for year, incorrect because hazard insurance added twice while flood omitted XXXX Spoke with XXXX. I explained issue. She requested new escrow analysis XXXX Received video email with new escrow analysis. Still wrong. Called and spoke with XXXX XXXX at XXXX. She said to disregard video and said initial request had been ignored because nothing wrong with original statement! I explained what was wrong. She noted it and sent an expedited request so I'd receive corrected statement within 72 hours. 
XXXX. Spoke to XXXX at XXXX XXXX. He said it was too soon to " jump the gun '' and to wait a week for correction. 
XXXX Spoke with XXXX who transferred me to XXXX XXXX, who created a ticket for new corrected escrow analysis and to wait 7 days XXXX Spoke with XXXX XXXX at XXXX XXXX. XXXX I requested to speak to supervisor, XXXX XXXX XXXX XXXX? ). She expedited new analysis. Told her I wanted within 48 hours or I'd contact attorney general, and if I died from a stroke Shellpoint would be sued for wrongful death! 
XXXX XXXX XXXX approximately, I called once again because I had not heard anything. According to XXXX, the payment had been corrected, but a corrected statement had not been sent to me, so she requested one. 

Shellpoint made a serious error with MY money. MY escrow. I am a good customer who has always paid AHEAD, and they treated me terribly! My original loan with XXXX has been sold to Ditech and Greentree and now Shellpoint. Shellpoint has made numerous errors since taking over less than 2 years ago. I used to work in the Savings and Loan industry back before computers, when we had to balance everything by hand monthly. It has to balance to the penny and reported to the government, with annual outside auditing. I don't think anyone is monitoring financial institutions like they used to. 
SC should be embarrassed to call Shellpoint a SC entity! They should be audited with scrutiny and fined for any errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$1900.00} ... this collection Agency has no contract, no valid claim, debt was settled with original creditor which is XXXX ... it is against the F.C.R.A. law ; you can not collect a debt twice ... and XXXX verification is faulty and outdated creditor stated ... litigation will follow for erroneous account and claim ; please remove and do not re-insert ...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a complaint regarding the removal of these erroneous items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$410.00} These items are still in my credit file and I want them removed ASAP. This complaint is my follow-up attempt to inform you that the items must be removed.
Product: Credit reporting or other personal consumer reports

I never open up this XXXX  account. This account shows multiple different open date from all three-credit bureau. This inaccurate information falsely manipulates the statute of limitations you fail to investigate this account properly after I ask you to do it twice you all have neglect and violated my rights. I am demanding a deletion of the following account XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT REPORT HAVE INQUIRIES THAT WERE NOT AUTHORIZED BY ME. I HAVE AN ALERT THAT REQUIRED ANY COMPANY TO CALL ME BEFORE PULLING MY CREDIT REPORT. THIS COMPANIES DIDNT CALL ME BEFORE PULLING MY CREDIT REPORT. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XX/XX/2018 I traded in phones from XXXX XXXX to XXXX  XXXX in order to switch my services to XXXX. Now, I have debt collection on my credit report that is not accurate and is in the amount of {$2100.00}. The equipment was in the hands of XXXX  as is stated XXXX XX/XX/2018 which is when I switched service providers for my wireless phone service. I have attached correspondence from XXXX and communications with the collections companies.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries reported on my consumer credit file, as they are the result of fraud or a data breach. I demand verifiable proof, including my signature or electronic signature, for any alleged authorization. 

This letter is submitted personally, not through a third party, and I request that you review it carefully. I never authorized these actions, and their reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Section XXXX ( XXXX U.S.C. XXXX ) Requires the blocking of fraudulent or compromised information. 
Section XXXX ( XXXX U.S.C. XXXX ) Governs permissible purposes for accessing consumer reports. 
After contacting the reporting companies, I confirmed that these accounts and inquiries were added without proper validation or original proof. As I never authorized them, they are factually inaccurate and must be removed. The unauthorized reporting of my consumer information by creditors or third-party data furnishers is a direct violation of federal law. 

I request an immediate investigation and a written confirmation of the removal of these fraudulent items. Failure to comply may result in legal action to enforce my rights under the FCRA.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXX I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my TD Bank account to fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad Accounts On My Credit Report. 


XXXX. XXXX Credit Card XXXX. XXXX
Product: Credit card

I am writing to file a formal complaint against Discover regarding their mishandling of my identity theft claim. 
Despite providing evidence of fraudulent charges on my account and filing multiple disputes with Discover 's fraud investigation department, my claim was unjustly denied. This denial has had severe repercussions on my credit standing and financial well-being. 
The crux of the issue lies in Discover 's disregard for the fact that my phone, through which the fraudulent charges were made, was stolen. To rectify the situation, I took immediate action by changing my phone number, email address, and other contact information associated with my Discover card. 
However, Discover failed to acknowledge these changes and instead attempted to contact me through the old, stolen phone number, thus impeding their ability to reach me regarding this matter. 
Furthermore, Discover 's claim that I paid for the charges is baseless and unfair. It is common knowledge that failing to pay credit card balances would result in the closure of my account. This does not justify denying my claim, as it is evident that the charges in question were fraudulent and unrelated to my legitimate financial activities. 

In efforts to substantiate my claim, I provided Discover with a police report confirming the theft of my phone & other property, as well as evidence that clearly demonstrates the fraudulent nature of the charges. Despite these measures, Discover failed to conduct a thorough investigation into my case until XXXX, even though it was initially promised for XXXX, XXXX & XXXX. In the meantime, I have been burdened with recharging for the fraudulent charges that I had already paid while awaiting the completion of the original investigation. This ongoing situation is significantly impacting my credit and causing further financial distress. 
Thank you for your attention to this matter. I look forward to a swift resolution and fair outcome.
Product: Vehicle loan or lease

On XX/XX/XXXX I paid off my vehicle, in full, and submitted a odometer disclosure statement, as required by Honda Financial Services. 

Honda Financial Services mailed me a letter dated XX/XX/XXXX and detailed my address and Vehicle Identification Number ( VIN ). The envelope contained 2 pages. A portion of the XXXX page of the letter stated the following : " ... Please fill in the odometer reading disclosure on the enclosed Odometer Disclosure Statement and mail it to the address shown below, Attention, Title Department or fax it to XXXX to XXXX back in enclosed envelope. '' XXXX search results indicted the number XXXX was for XXXX, the email XXXX was for XXXX XXXX XXXX XXXX XXXX the number XXXX was for contactcustomerservicenow.com, and the closing of the letter stated, " Sincerely, XXXX XXXX Honda Financial Services XXXX XXXX, '' which also came back to customerservicenow.com in XXXX XXXX results. The second page of the letter was entitled the Odometer Disclosure Statement. I did not communicate with " XXXX, '' nor XXXX, XXXX XXXX XXXX XXXX XXXX or contactcustomerservicenow.com and do not know how these companies and their various locations possessed my full address and VIN number. The letter did not appear authentic as it contained conflicting information. 

On XX/XX/XXXX I called Honda Financial Services and spoke to Representative XXXX, who informed me there was a XXXX period and the Title would be sent to my mailing address on or about XX/XX/XXXX. To date, I have not received the XXXXa Title for my payment made in full from XX/XX/XXXX. 

On XX/XX/XXXX, I called Honda Financial Services again and was placed on a long hold. A Representative named XXXX answered my call and claimed Honda Financial Services did not receive my Odometer Disclosure Statement. XXXX informed that the XXXX Title was sent to the XXXX XXXX XXXX XXXX  back in XX/XX/XXXX. I informed her that I have since paid of my vehicle back in XX/XX/XXXX, and needed my Honda Title mailed to my address, as promised by Honda Financial Services. XXXX claimed I needed to resubmit the Odometer Disclosure Statement. I requested for XXXX to send me an official Honda Financial Services email detailing her request for another copy of the Odometer Disclosure Statement that I previously submitted in XX/XX/XXXX. XXXX emailed me an encrypted message, to which I responded with another copy of the Odometer Disclosure Statement as well as the original email to Honda Financial Services Title Department. XXXX did not provide me with my Honda Title delivery date. As a direct result, I was forced to register my vehicle as a leased vehicle at the XXXX XXXX XXXX XXXX. 

The delays in processing my Honda Title caused me to drive a vehicle in violation of state laws. 

To date, I await the vehicle title for the vehicle I paid off over 1 month ago.
Product: Student loan

I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. Mohela is denying my PSLF application due to the employer signature not being valid. The form contains a physical signature from each of my employers.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App thats ( Block inc ) Due to end dedicate customer service And unfair practice, which violated Customers financial protection act ( CFPA ) Specifically cash app Fails to take timely and effective Measures to Prevent And Address fraud on their platform.. Leaving my account vulnerable And unprotected. Furthermore Dispute resolution Process was unfair and deceptive as they did not comply with errors resolution Requirements Under the electronic funds transferred act ( EFTA ) and Regulations E. Those actions have called significance Inconvenience And financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020, after doing an annual credit report pull. I noticed there were fraudulent accounts reporting on to my credit report. we have attempted to contact all parties. A few of these accounts were removed from XXXX  and Experian however have not been removed from XXXX. the other accounts has been contacted multiple times by us to request information for these fraudulent accounts. we have filled out the required identity theft information, however they continue to report the fraudulent account to all 3 credit bureaus are accurate and refuse to give us information proofing this fact. Now they have stopped responding to our emails completely even after speaking with multiple supervisors. This is honestly beyond ridiculous and violates our rights under the FCRA laws.
Product: Credit reporting or other personal consumer reports

EXPERIAN is violating my consumer rights. They are fraudulently letting XXXX XXXX XXXX XXXX management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on EXPERIAN for failure to investigate as I'm a federally protected consumer. I will also be reporting both EXPERIAN and XXXX XXXX XXXX XXXXXXXX to the IRS filling out form 3949- A information referral for unreported income since EXPERIAN gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS . I will also be reporting both companies to the Attorney General and XXXX XXXX XXXX I attached proof that XXXX XXXX XXXX XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me XXXX because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX XXXX XXXX XXXX pays EXPERIAN to report inaccurate information and EXPERIAN refused to give me a fair investigation for their financial gain.
Product: Debt collection

Company robocall almost everyday and never leaves message. My number is on Do not call registry. I inform them of that and add them to call rejection. I also informed them everything needs to be in handwritten mail and not to call again.

Have asked several time. They also tries to pretend by changing numbers they call from.

I also do not owe the debt they are speaking of. If I do owe it then they need to send the original creditor billing.

They have also abused reporting these debt to my credit report causing it to sink credit score significantly by double or tripple reporting on one item. XXXX  tactic.

All of these violates the law.
Product: Mortgage

Per my last three ( 3 ) Complaints I have demonstrated, beyond any reasonable doubt that XXXX XXXX has not only lied to me, but she has lied to a Federal Government Agency that was established to protect consumers from unethical, fraudulent, and predatory actions by all credit providers.

I have attached for the record, to CFPB, documented proof that " she '' personality and as an executive representative of Wells Fargo who has encouraged her to act, in criminal behavior, by lying, and misrepresentation through written communication ( attached ). This criminal behavior is promoted by Wells Fargo in continuous systemic cultures that exist at Wel
ls Fargo, where they were found guilty as criminals, by the US Court, which ordered them to provide financial relief for their fraudulent actions which affected thousands of customers so Wells Fargo could profit by taking! Theft-by-taking!
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX Account # : XXXX XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.