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

On XX/XX/2024, I sent a letter to the courthouse asking them do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 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.
Product: Checking or savings account

On XX/XX/18, I went to XXXX XXXX XXXX XXXX  to pick up dry-cleaning. I paid {$79.00}. When I walked my 4 minute distance home, I discovered that not only did they not fix my zipper, but they lost my pair of pants that were {$50.00}.

I went back there to bring up the fact that they didn't fix items that I paid for, certain things weren't dry cleaned, and my pants were lost. They told me that they gave me my pants, but it must have fallen on the ground when I was walking, but that made no sense. 

I filed a claim with my bank because these are not the services I paid for, and they lost my pants. My bank denied my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was pulled without my consent
Product: Mortgage

Re : Incompetence and Unjust Charges by Shellpoint Mortgage Servicing XXXX Newrez Mortgage LLC I am writing to address the gross mismanagement and blatant disregard for customer welfare by Shellpoint Mortgage Servicing XXXX Newrez Mortgage LLC. 

Background : I am under a three-month forbearance plan, clearly stating no payments are required during this period. Despite this, your company unlawfully deducted {$2600.00} from my account. After days of complaints, you finally refunded the amount. 

Current Issue : Now, Ive received a letter demanding I pay back the {$2600.00} that was refunded, along with a {$50.00} fee for a " returned payment, '' totaling {$2600.00}. This is either gross incompetence or a deliberate attempt to exploit your customers. Your departments clearly do not communicate, as they seem completely unaware of the active forbearance plan on my account. 

Previous Complaint : I have already filed a complaint regarding the unauthorized deduction during my forbearance period. While that issue was eventually resolved, your current demands indicate that nothing has improvedit 's only gotten worse. Your company is incompetent and untrustworthy. 

Complaint Summary : Your company wrongfully deducted {$2600.00} while I was under an active forbearance plan. 
After refunding this amount, youve now demanded I pay it back, along with a {$50.00} fee, totaling {$2600.00}. 
This is harassment and a clear sign of either gross incompetence or intentional exploitation. 

Actions Demanded : Immediate cancellation of the {$2600.00} demand, including the {$50.00} fee. 
A detailed explanation of why this payment was refunded and why you are now demanding it back. 
A guarantee that no further unauthorized deductions or unjust charges will be made while I am under the forbearance plan. 
Immediate corrective actions to ensure this does not happen again. 

Conclusion : I am filing this complaint with the Office of the Attorney General in Pennsylvania, the XXXX XXXX XXXX XXXX XXXX XXXX, and the Consumer Financial Protection Bureau ( CFPB ). Shellpoint Mortgage Servicing has shown nothing but negligence, incompetence, and a lack of integrity. 

I demand immediate action to correct this egregious behavior.
Product: Debt collection

Called company for a verification of debt letter. Spoke to XXXX reps and a supervisor ( XXXX ) was told that a verification of debt letter can not be sent to NY residents.
Product: Debt collection

I had a 2 previous debts with XXXX XXXX that I had on my report for 7 years before it removed itself. Recently I got a notification from XXXX that a company called asset care has purchased the debt and its now on my credit again. XXXX XXXX  was the original collection agency for a debt that I was never even aware of until it was placed on my credit. When I reached out to XXXX XXXX I was advised that not debt showed up and I would have to deal with XXXX XXXX. The debt is over 7 years old but it keeps reappearing on my credit. Ive disputed multiple times because of the age but they continue to sell it off and add it back.
Product: Credit reporting or other personal consumer reports

Last year on the XXXX of XXXX I requested that XX/XX/XXXX account # XXXX be deleted from my consumer report since this item is unverifiable and fraudulent! I further requested that an investigative report be performed, and the findings of the investigation be forwarded to me. 
I also informed them that I was a victim of a college data breach whereas all of my personal information were stolen and forwarded them a copy of the notice from my college as proof along with a copy of my identity thief report and proof of Identity in the form of my State ID and Social Security card that were notarized.. Neither of my two requests were met.

Furthermore, according to the FCRA : 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block As you can see from the XXXX merged example below of all XXXX XXXX XXXX including yours, your agency is the only agency that is continuing to report this unverifiable and fraudulent account. Both XXXX and XXXX rightly and promptly deleted this account and have not since reported. 

SELF / LEAD TransUnion XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Secured loan XXXX Code : Individual Account Status : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/2019 Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$520.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/2019 Comments : Closed Date Last Active : XX/XX/2019 Date of Last Payment : XX/XX/2019 Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX OK OK OK OK OK OK XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of the following inquiries, neither did I authorize them. please remove/delete them from my credit report, as pursuant to 15 U.S.C 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act 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

In accordance with the Fair Credit Reporting act XXXXl XXXX, XXXX transunion and XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose this XXXX XXXX credit card is open in fraud and needs to be immediately removed from my credit report Due to violating my consumers rights in a means to pursue legal judgement I never gave permission to report this fraudulent activity on my credit report
Product: Debt collection

Formal Complaint Against IQ Data for Failure to Validate Account and Bankruptcy Compliance Case No. XXXX Dear CFPB, I am filing this formal complaint against IQ Data for their failure to validate and appropriately handle an account that was resolved through a bankruptcy case, Case No. XXXX, filed under my spouses name. Despite repeated attempts to obtain validation and verification of the account, IQ Data has failed to respond or comply with applicable laws, including the Fair Credit Reporting Act ( FCRA ) and bankruptcy discharge protections. 

The original account was associated with XXXXXXXX XXXX and had an amount of {$6000.00}. This debt was fully addressed and discharged through the bankruptcy process. I have attached a copy of the bankruptcy discharge letter as proof. Despite this, IQ Data continues to report this account inaccurately on my credit report, which constitutes a discrepancy and a violation of my rights as a consumer under federal law.

I have sent IQ Data multiple validation letters requesting verification of this account in connection with the bankruptcy. They have neither responded nor updated the account to reflect its discharged status. This ongoing reporting of a discharged debt is a clear violation of both the FCRA and bankruptcy laws. 

Additionally, this account 's presence on my credit report has caused unnecessary stress and financial harm. The inaccurate reporting undermines my ability to rebuild my credit and financial stability post-bankruptcy. 

I respectfully request the CFPB to investigate this matter and take the following actions : Instruct IQ Data to immediately remove this account from all credit reporting agencies. 
Ensure that the account is updated to reflect its discharge status. 
Prevent IQ Data from making any further attempts to validate, collect, or report this discharged debt.

Please find the attached bankruptcy discharge letter for your reference. 
Thank you for your attention to this matter and for your dedication to protecting consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : { XXXX/XXXX {$1100.00} ( FIRST FININANCIAL AS {$220.00} ) Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which states that these accounts must be removed within 4 Business Days of receipt.
Product: Credit reporting or other personal consumer reports

this is my third dispute I disputed inaccurate information with Experian, XXXX and XXXX in regard to this account lending club account number : XXXX Experian stated the information was verified and accurate. After checking my credit report the information is still obviously inaccurate! On my Experian report the account displays an open date of XX/XX/XXXX but this account was actually opened on a different date according to the other XXXX credit bureaus. XXXX shows XX/XX/XXXX, it should be falling off my credit report XX/XX/XXXX. The report shows the payment history begins XX/XX/XXXX which is another inaccuracy! An account can't be charged off, reported as a collection and then charged off again. These are clear inaccuracies that Experian,, XXXX and XXXX allowed to remain on my credit report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. I've attached a copy of the report from the Experian credit report website. I've attached the results of the requested investigation and I've attached the response showing that Experian told me the account remains with all the inaccuracies. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report. Balance : XXXX 


Account XXXX : XXXX XXXX  Account # XXXX delete account immediately
Product: Debt collection

On XX/XX/2020 American Honda Financial add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this account. Also, there was no written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the Fair Credit Reporting Act American Honda Financial has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Thank you
Product: Credit card or prepaid card

Portfolio RC XXXX XXXX This account was settled for less than the balance. The company updated the comments to show paid in full for less than the full balance but updated the actual balance to show the amount they discounted as due. This is preventing me from being able to purchase my home. I have requested for them to update to the actual balance and have no responses. 
I need this account to show the correct balance of XXXX.
Product: Credit reporting

Upon reviewing my credit report I noticed XXXX addresses that I am not familiar with nor ever resided. Also my employment history has not been updated for several years. I have been gainfully employed with XXXX XXXX XXXX. XXXX since XXXX of 2008.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  agreed to a pay to delete. The XXXX account is still reporting as a charge-off/ collection and paid for less than agreed. The same account is reporting multiple times on my report
Product: Mortgage

On XX/XX/2021 I received an updated mortgage billing statement that showed that RoundPoint had increased my monthly payment from {$880.00} to XXXX. It also showed that they disbursed {$850.00} in hazard insurance on XX/XX/2021. The problem with that is that my total for mortgage insurance for 2021/2022 year is {$420.00} PER MY INSURANCE XXXX PAGE. They paid out over twice the amount they should have to the insurance company and justified the raise in my monthly rate because there was a shortfall in the escrow account ; a shortfall caused by their over disbursement. This is the SECOND year in a row they have paid the incorrect amount and then raised my monthly payment. I can't help but feel, as a single older female, that I am being deliberately discriminated against. 
On top of that as of today, XX/XX/2021 the policy is officially lapsed because my insurer has not received their payment. Again, this is the second year in a row this has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : I filed my Bankruptcy on XX/XX/XXXX. It was discharged on XX/XX/XXXX. 

I had 3 credit cards with Capital One, before my Bankruptcy. Capital One was served with my Bankruptcy petition by the court, But they are reporting erroneous information to the 3 credit bureaus, pertaining to the accounts that I have listed below. I have disputed these accounts directly with the credit bureaus, and each time they are verified by Capital One. The information updated is not reflecting my Bankruptcy discharge status. Instead Capital One has been reporting false information that hurts my credit scores. I have also noticed that Capital One is reporting payments past my Discharged date, and re-aging these accounts. 

I sent a certified letter to their CEO ( XXXX XXXX ) on XX/XX/XXXX, explaining the incorrect reporting, asking for his assistance, but I did not receive any reply from him or anyone else from Capital One. 
The only response that I received was erroneous, inaccurate reporting on my credit reports. Apparently, Capital One is not interested in reporting by FCRA guidelines. 

Capital One did not open an investigation into this false reporting. Instead they reported anything, but the correct discharged status on these accounts. 

I have listed below the information that Capital One believes is correct. 

On XX/XX/XXXX XXXX  was reporting account # XXXX as Included in Bankruptcy. 
On XX/XX/XXXX XXXX  changed the status to an Open Account. 
On XX/XX/XXXX XXXX  changed the status to a Charge/OFF. 

On XX/XX/XXXX XXXX  was reporting account # XXXX as Included in Bankruptcy. 
On XX/XX/XXXX XXXX  changed the status to an Open Account. 
On XX/XX/XXXX XXXX  changed the status to a Charge/Off. 

XXXX  is reporting account # XXXX as ( Charge/OFF ) .This status has remained thru selected dates. 

XXXX  is reporting account # XXXX the status of Discharged In Bankruptcy thru all dates. 
XXXX  is reporting account # XXXX the status of Discharged in Bankruptcy thru all dates. 
XXXX  is reporting account # XXXX the status of Charge/Off thru all dates. 

XXXX  is reporting account # XXXX the status of Discharged in Bankruptcy thru all dates.

XXXX  is reporting account # XXXX the status of Discharged in Bankruptcy thru all dates. 
XXXX  is reporting account # XXXX the status of Charge/Off thru all dates. 


As you can see, Capital One is not reporting these accounts as Discharged through Bankruptcy. 
I need your help resolving these issues. I am trying to purchase a home, and Capital One is destroying my chances of securing the financing I need.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to remove a legally discharged debt from my credit report, which continues to negatively impact my creditworthiness. My lender, XXXX XXXX XXXX XXXX, issued a 1099-C Cancellation of Debt for this account, which means the debt was legally canceled, and I no longer owe it. Despite my formal dispute and supporting documentation, Equifax has refused to remove the negative reporting. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S. Code 1681s-2 ), credit reporting agencies must ensure that information on consumer reports is accurate and up to date. 

Once a 1099-C is issued, it legally cancels the debt, meaning no further collection or negative reporting should be permitted. 

Equifaxs failure to remove this account constitutes inaccurate credit reporting, which violates my consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute all fraudulent inquiries on my credit report. After a thorough review, it has come to my attention that there are unauthorized inquiries that I did not initiate. I request a prompt investigation into these discrepancies and urge you to remove the fraudulent entries from my credit report. The accuracy of my credit history is crucial, and I believe resolving this issue is essential to maintaining the integrity of my financial standing. I appreciate your prompt attention to this matter and request that you provide me with updates on the progress of the investigation. Thank you for your immediate assistance in rectifying this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried tried to unlock and unfreeze my credit file since XX/XX/XXXX. I have talked to 28 customer service representatives and my file is still locked and I can not make my purchase. I have almost 14 hours on the phone and I still do not have my file unlocked to make my purchase. This is insane.

The XXXX XXXX people do not know what they are doing and apparently Equifax doesnt either I would be in this mess.