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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting, credit repair services, 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. XXXX  XXXX  Acct # XXXX Balance {$51000.00}, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX # XXXX, XXXX XXXX Acct # XXXX Balance {$28000.00}, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX Balance {$790.00}, XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX Balance {$5000.00}, XXXX XXXX Acct # XXXX Balance {$1200.00}, XXXX XXXX Acct # XXXX Balance {$6000.00}, XXXX XXXX XXXX Acct # XXXX Balance {$3600.00}, XXXX XXXX Acct # XXXX Balance {$4700.00} XXXX Acct # XXXX Balance 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 consumer reporting agency can not furnish a account without my written instructions 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 crime 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
Product: Debt collection

I am writing to formally dispute the collection account listed on my credit report with account number XXXX from XXXX XXXX Bank, reported by XXXX XXXX XXXX. This information is inaccurate and incomplete, and I am requesting an immediate investigation into this matter under the Fair Credit Reporting Act ( FCRA ). 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692C, I am also requesting that XXXX XXXX XXXX cease any further communication regarding this debt until this matter has been resolved. Section 1692C outlines the rules regarding communication with consumers and how XXXX must cease communication upon receiving written notice of a dispute. Therefore, until the accuracy of this debt is verified, all collection activities should be stopped. 

Please initiate a formal investigation of this collection account and remove it from my credit report if it can not be verified. I have attached copies of my credit report, the collection notice, and any other relevant documentation to support my dispute. I expect to receive confirmation from you that this matter has been fully investigated and that my credit report has been corrected, if necessary. 

I appreciate your prompt attention to this matter. Please provide me with a written response once the investigation is complete and notify me of any changes made to my credit report. If you need any additional information, feel free to contact me at XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX 2017 SECURITY BREACH SERVICE AND COMMUNICATION PROBLEMS I am part of the Equifax 2017 recent problem where Equifax security was breached. I am having problems getting any action, information or response from the telephone numbers or help numbers that are associated with the debacle. 

The fax number is busy, there are no active Equifax numbers for actual customer support listed in the main web site. 

I want to secure an immediate credit freeze on all my accounts and I ca n't get any of the existing numbers, after excessive hold and wait times to respond. 

Due to the situation, there should have been mail notification to all those affected and automatic steps to secure the accounts. 

I am appalled at the complacent responses to this serious matter and ineffective communication that is being tolerated by the consumer protection agencies.
Product: Debt collection

Oliphant Financial LLC is currently trying to sue me for a debt that I do not owe, for {$4900.00}. I am now being forced to appear in court XX/XX/2022, and I do not owe these people anything. I do not know them. They have done very little in providing verification of this debt as a matter of fact none of the information they have provided actually proves the debt is mine.They do not have a signature, not even an electronic one. They are infringing on my rights as a consumer, and I am requesting that this please stop.
Product: Checking or savings account

The bank closed my account stating that the IRS put a hold. I contact the IRS and they didnt find anything regarding this matter. They told me that was the bank doing this that I had to contact them. This happen around XXXX XXXX. They hold 4 accounts 3 personal and one business. Here are the account numbers 1. XXXX checking and saving with balance of {$20000.00} combine. 2. XXXX business checking with balance {$1800.00}. 3. Checking XXXX with balance of {$550.00}. All this balance are from last statement I have from this accounts. It took me 1 year and 3 month to be able to get my money back. Every other week I will contact the bank to see if my money was release and always the same answer that it was on hold per IRS. After me contacting them many times I started to go to bank personally and had the teller help me contact them. Finally a manager help me from the XXXX XXXX XXXX and we would stay around 2-4 hrs on the phone with them explaining our selfs to many agents. After all this time they put my money on unclaimed funds which I dont in understand why is I contact the bank many times regarding this matter and I was clamming my money. I told them that they had to pay me interest since they hold my money for more than a year and they said no.
Product: Mortgage

This complaint is submitted on behalf of the borrower by his advocate. 

The borrower applied for foreclosure alternatives on XX/XX/2018. He was denied a standard modification on XX/XX/2018. The denial letter failed to give a clear reason for the denial stating, The investor ( owner of your loan ) has declined to this workout. The denial letter offered a Short Sale or Deed-In-Lieu. The denial letter did not advise the borrower of his right to appeal the decision, if merited. On XX/XX/2018 the borrowers advocate requested in writing clarification of the denial, to help the borrower evaluate his entire situation ( i.e. appeal the decision or seek other alternatives ). The request was submitted to the Single Point of Contact and the Escalations and Loss Mitigation departments. Shellpoint acknowledged the correspondence was received on XX/XX/2018. They confirmed a written response would be provided within 15 days ( aka XX/XX/2018 ). A Notice of Trustee Sale was recorded on XX/XX/2018. 

The borrower and his advocate contacted Shellpoint via telephone communication on XX/XX/2018 ( when the borrower received multiple copies of the Notice of Trustee Sale via U.S. Mail ).  Representative XXXX XXXX confirmed there was no response to our request, nor was there a Single Point of Contact assigned to the loan. He explained that the borrower could enter a Repayment Plan, by making a lump sum payment and pay the remaining balance in a 12-month period, but that would not stop the foreclosure sale scheduled for XX/XX/2018. Please note this is the first time the borrower was advised by Shellpoint of his option to enter a Repayment Plan. XXXX then requested to follow up with us regarding the total amount due to bring the loan current, or lump sum amount due to enter a Repayment Plan, since he did not have access to that information. 

It appears that Shellpoint is in violation of the California Homeowner Bill of Rights and the Mortgage Servicing Rules Under the Real Estate Settlement Procedures Act. The Notice of Trustee Sale may have been recorded prematurely, since no response to the correspondence has been made, thus giving the impression that Shellpoint is dual tracking. The Repayment Plan option appears to be unethical, since Shellpoint is  insinuating to accept partial payments of amount due but still proceed with foreclosure. It is also alarming that Shellpoint removed the Single Point of Contact prior to ensuring all loss mitigation efforts were explored with the borrower. All these actions have put the borrower in an unnecessary predicament to limit his options. Attached hereto please find supporting documents.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am-asking you to verity as accurate account ( XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 8 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello - I was solicited by american express multiple times over email and through " pop-up banners '' on my account to upgrade my account to a " Blue Cash Preferred '' from my " Blue Cash '' card. The Blue Cash Preferred has a {$95.00} annual fee, but my Blue Cash card had no annual fee. The offer I received said that if I spent {$2000.00} in three months, I would receive {$250.00}. This {$250.00} would allow me to offset the {$95.00} annual fee. I applied for the card on the website - this offer only appeared when I was logged in under my account. Furthermore, proof that this was an " upgrade offer '' and not a new account welcome bonus was that my account number stayed the same. At no time did I receive a new account. After I had spent the required {$2000.00} and after a month after my statement closed, I contacted American Express to find out why the offer was not fulfilled as I had held up my end of the bargain. They said that I did not have an offer on my account, they accused me of doing the offer wrong. But if I did the offer wrong, then why did they keep my account number the same? I followed all of the directions and met the spending requirements within the timeline. This is a clear bait and switch. They offered me an incentive to get a card with a high annual fee and then did not follow through and give me the reward as promised. Now I have a card with an annual fee and no rewards to show for this. It is extremely unprofessional and I hope others do not have the same trouble that I do as if I had known, I would not have accepted a fraudulent, bogus, fake, upgrade offer. Individuals use other cards and not allow American Express to profit off lies.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX Acct # XXXX To Whom It May Concern : This letter is regarding account # which you claim my account was charged off $ This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 )  Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 79 MONTH AUTO LOAN Date Opened XX/XX/XXXX High Balance {$22000.00} Closed on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE FOLLOWING COMPANIES HAS VIOLATED MY RIGHTS. 

US DEPART EDU account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX 15 U.S.C 1681 602 A. STATES I HAVE A 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 I REQUEST THAT THESE ACCOUNTS BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE
Product: Checking or savings account

Ive had a Wells Fargo account open for about two weeks and have experienced nothing but problems. They first emailed me out of nowhere that my account would be closing without giving me a chance to verify myself, and I ended up having to go into the branch to verify and have it reopened. After this, I was assured by the branch manager there would be no further issues with my account. Now, I am unable to send any XXXX from my account at all. Every time I attempt a transfer, I get an error message that the payment is under review for 4 hours. After the time frame passes, the payment continuously fails. This has been going on for several days. Ive called several phone supervisors and gone to the ATM to verify my contact info. The recipient has done the same actions with no results. No one at Wells Fargo has any understanding whats going on here or how to fix it. Wells FargoXXXX needs to solve this asap. 

Ive also been waiting for a written letter from XXXX, who responded to my previous XXXXCFPB reports, confirming nothing is wrong with my account. This was promised by end of day Friday XX/XX/.
Product: Debt collection

I did not consent, nor benefit from, nor authorize any of the following accounts XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report on XXXX XXXX XXXX account additionally XXXX and XXXX followed the law and deleted the accounts, This is clearly fraudulent information that Transunion is still reporting so it needs to be removed immediately per the FCRA 15 U.S.C. 1681 and 15 U.S.C. 1681c-2 ( a ). I have attached evidence of Transunion reporting this inaccurate fraudulent information. Furthermore, Transunion and XXXX are reporting XXXX XXXX XXXX inaccurately, and non congruent when XXXX had removed the fraudulent account, this also needs to be reporting accurately per the 15 U.S.C. 1681.
Product: Debt collection

LVNV Funding LLC has violated the Fair Debt Collection Practices Act ( FDCPA ) by placing a collection account without properly verifying the accounts legitimacy or confirming that it accurately belongs to the consumer. By failing to conduct appropriate due diligence and verification of the account ID, the company has not adhered to the necessary procedures required under the FDCPA, which mandates that debt collectors must ensure the accuracy of the information they report and provide clear validation to the consumer. As a direct result of their negligence, I experienced a significant loss of nearly XXXX points on my credit report, which has caused undue distress. I have worked tirelessly to improve my credit, and this erroneous entry has not only set back my progress but also created unnecessary emotional and financial strain. LVNV Funding LLC 's failure to properly verify this account has had a detrimental impact on my credit standing and well-being, and they should be held accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX 15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted listed below : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX XXXX XXXX XX/XX/year> : XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.