23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Omega RMS did not comply with the Fair Debt Collection Practices Act Section 809.
<P/>
I received a copy of my credit report and noticed a trade line with an account from Omega RMS. Omega RMS failed to send me a written debt validation notice. I then notified all three credit bureaus. Soon after informing the credit bureaus I then called the number listed on my credit report for Omega RMS. I spoke to someone at Omega RMS and they stated they would send something to me. The next week, I received a letter from Omega RMS stating that I owed Omega RMS {$550.00}. Contained in this package was copies of information from XXXX XXXX XXXX with my name on it stating there was an outstanding balance of {$3800.00} and another copy of information from XXXX with my name on it stating there was an outstanding balance of XXXX. There was no evidence of written proof that this alleged account was sold or assigned to Omega RMS or was there a written agreement with the creditor that authorized Omega RMS to collect on the alleged debt. There was also no statement which matches the balance being claimed by Omega RMS as well as there was no complete payment history on said alleged account, to prove the amount Omega RMS wished to collect is accurate. I sent Omega RMS a debt validation letter via USPS which I have proof they received. Until XXXX XXXX, 2017 I did not receive any validation of the debt from Omega RMS and also, Omega RMS verified the debt was accurate to a dispute that I made with the three credit bureaus. Omega RMS did not verify or validate that the debt was accurate with me, but they verified that the debt was accurate with the credit bureaus.
<P/>
On XXXX XXXX, 2017, I received another letter from Omega RMS stating that I owed Omega RMS {$550.00}. Contained in this package again was copies of information from XXXX XXXX XXXX with my name on it stating there was an outstanding balance of {$3800.00} and again another copy of information from XXXX with my name on it stating there was an outstanding balance of XXXX. There was no evidence of written proof that this alleged account was sold or assigned to Omega RMS or was there a written agreement with the creditor that authorized Omega RMS to collect on the alleged debt. There was also no statement which matches the balance being claimed by Omega RMS as well as there was no complete payment history on said alleged account, to prove the amount Omega RMS wished to collect is accurate. How can Omega RMS verify and update with the credit bureaus and not verify with me? Omega RMS also ignored my written request to verify the debt and is continuing to collect on this debt before providing verification and validation. This is a clear violation of the Fair Credit Reporting Act Section 809. Who are these people and how did they get my social security number? Also how were they able to report this information to the credit bureaus without my authorization?
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$1200.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$11000.00}
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of an account listed on my credit report by XXXX XXXX XXXX account # XXXX, which is marked as " Charge Off. '' This account should not be on my credit report, as the information is incorrect and the account should be removed entirely. 

I have previously contacted the credit reporting agencies TransUnion and XXXX, and the creditor XXXX XXXX XXXX to resolve this issue, but the inaccurate information remains on my report. This erroneous information is significantly impacting my credit score and my ability to secure credit.

I request that the Consumer Financial Protection Bureau intervene to have this account completely removed from my credit report. 

To verify the accuracy of this information, I am requesting the following documentation from the creditor : 1. The original signed contract or agreement for this account.

2. Full payment history, including dates and amounts of all payments made.

3. Documentation of the charge-off, including the date and reason for the charge-off.

4. Proof of notification that I was informed about the charge-off.

If the creditor can not provide this documentation, I request that the CFPB instruct the credit reporting agency to remove this account from my credit report entirely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had so much resistance with Experian and how there reporting this account. Fcra requres 100 % accuracy and this account is reported a charge for the last six years every month ( Ive included. A video that shows this as well not to mention this account was reaged Im asking for it to be remove from Experian XXXX and XXXX removed Experian is still reporting this is violation
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi 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 verify as accurate : XXXX account ( XXXX account number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly late payments on the XXXX XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account was included in a bankruptcy years ago and has recently appeared on my credit report. This account should not be reporting at all. It is a violation of the Fair Credit Reporting Act to report inaccurate information and this line item needs to be removed from my credit report. I have contacted XXXX XXXX XXXX XXXX XXXX as well as the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Mortgage

I have been attempting to work with Shellpoint Mortgage Servicing for a few months. They have been improperly handling our mortgage since they received it from the previous provider. As part of this matter, they were not providing monthly statements, and they were not properly accounting for property tax payments out of escrow. I filed a complaint for this matter, which was inappropriately closed after multiple delays. Shellpoint Mortgage Servicing submitted a letter written for some other customer, with non-relevant content towards my complaint and revealed sensitive information about that other customer. It is clear that Shellpoint has little interest in properly serving its customers and protecting their information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2014 XXXX XXXX XXXX reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and XXXX failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been issues with my credit report in the records of the Credit Bureaus. After reviewing my records, I discovered several files that are unfamiliar and clearly unrelated to me. As a diligent individual, I conducted research and learned that, according to section 605b of the FCRA, the Credit Reporting Agencies are legally obligated to remove any accounts and information that have been opened due to fraudulent activities. These disputed items unquestionably do not belong to me, and I have attached the necessary FTC documentation, which I obtained through thorough research. I request the prompt removal of the following items : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus still believe there is a possibility that these accounts belong to me, I must insist on receiving all documentation bearing my signature, as I have learned that the Credit Bureaus are required to verify each account with 100 % accuracy, ensuring it is true, accurate, correct, complete, and verifiable. In the event that the Credit Bureaus fail to provide any records and claim that the items are verified, please understand that I will be left with no option but to pursue legal action. My attorney and I do not appreciate any games, and we urge the Credit Bureaus to comply with the law to resolve this matter expeditiously.
Product: Debt collection

After I filed a complaint against them on this website, they put on my credit report that the account is now closed, which in turn lowered my credit score by XXXX points. They did not really close my account. I have made a payment to them after this account was supposedly closed and they said nothing about it. Also, if you look on the report, they closed it under 'One Main FI ' and reopened it under 'One Main '. It is the same company. They are just doing this as a retaliation for me filing a complaint with this bureau in regards to their harassing me. My current case number for the harassment is # XXXX
Product: Credit card

On XX/XX/year>, I applied and was approved for a Raymour and Flanigan credit card issued by TD Bank. Though I did not receive the card, I was able to place an initial order for bedroom furniture and a special order for additional bedroom furniture. Once the first order was delivered on XX/XX/year>, I was charged the amount of {$3200.00}. However, with the special order still pending, I realized I never received my actual credit card. On XX/XX/year>, I called TD Bank to inquire as to the status of my new card. I was told it had been shipped on XX/XX/XXXX. The representative asked if I had moved and I said I was about to move into a new home. So I asked if I could change my address so that the card could be sent to the new home. The representative said the would need to send me a text message to verify my identity. When they went to whatever verification software they were using, according to multiple representatives and supervisors, my telephone number came up as unverified. Thus, unbeknownst to me, that caused my account to be suspended. When my special order came in to the local XXXX XXXX XXXX XXXX, I was contacted by a manager there, XXXX, to say that my account was frozen and that I needed to contact TD Bank to get it resolved. Well, eight phone calls and three supervisors later, it has not been resolved. All I kept being told was I need to contact the credit bureaus to get my phone number added to my credit report. I checked all three credit bureau reports and they contained my telephone number. However, my account remains frozen, with the representatives at TD Bank offering no resolution. I remain in limbo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I have have a total of 10 collections on my equifax report and a total of 3 on my XXXX report. All Dating back to XXXX and XXXX. I have submitted 8 different disputes with them and they have removed some of them that where from the same company that they are refusing to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent certified mail to Experian stating : You have my real name, my current address, date of birth and SS #. 
My current employer is XXXX XXXX. 
My current phone number is XXXX. 
Please remove all other items from my personal history including any names that are not XXXX XXXX XXXX, previous addresses, and previous employers because Im afraid that I might be susceptible to identity theft Experian has responded on XX/XX/21 without doing anything I requested of them and instead sending me online form to fill without the option to remove any of the information I requested. I fear that using that form will cause me to forfeit my rights to seek legal action against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started my dispute process on XX/XX/XXXX. It is now XX/XX/XXXX and I have no response from the bureaus. I am requesting this inaccurate information that the bureaus were unable to verify be removed from my credit report. By law it has been well over 60 days and I have no response which constitutes removal being that bureaus did not verify my. information. I have attached my letters that were sent to the bureau, a copy of an utility and my license to prove my identity
Product: Money transfer, virtual currency, or money service

My Paypal account was compromised in XXXX XXXX. Credits and debits were issued between Paypal web and Paypal credit to offset the fraudulent purchase, but one of the two entities issued credit and did not properly offset the entry leaving my online account with a credit balance ; thereby, preventing me from using it. 

Paypal web has harassed me by sending text messages, emails, letters and phone calls asking for payment for a dollar amount I dont owe. I refused to make the payment because thats extortion as my Paypal credit account is paid in full. 

Due to the lack of payment, Paypal web has continued to block the use of my online account. 

Ive called Paypal web and Paypal credit numerous times to resolve this issue, but the only response Im getting is finger-pointing from both entities. In addition, Paypal web has given Paypal credit XXXX  days to resolve the issue leaving me without the use of my online account due to an incorrect credit balance.
Product: Credit reporting or other personal consumer reports

This complaint is regarding the below following accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and Violations of 15 U.S.C. 1681n Dear CFPB, I am filing a formal complaint regarding multiple inaccurate accounts on my credit report that have not been corrected despite repeated disputes over the past month. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts continue to report incorrect information on my credit report. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) have been reporting as charge-offs every month, which unlawfully extends the statute of limitations. 

When I initially disputed these inaccuracies following the initial investigation as well as the procedural investigation, XXXX removed all the negative items. However, XXXX and TransUnion remain non-compliant, violating my rights under the Fair Credit Reporting Act ( FCRA ). Their actions constitute willful non-compliance under 15 U.S.C. 1681n, subjecting them to civil liability for damages, punitive damages, attorneys fees and {$1000.00} per violation.

in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ). This section mandates that whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. If an agency fails to ensure the accuracy of the information, it can be held liable for damages under the FCRA. if XXXX deemed the information incorrect and has deleted it off of my report, then XXXX  and transunion need to follow suite .

Both Transunion and XXXX  are both willfully violating my rights.

I demand the immediate removal of these accounts to prevent further legal action.

Thank you for your prompt attention to this matter.
Product: Mortgage

A recent storm has severely damaged the roof of our home. We received a check from the insurance company which is XXXX XXXX. The check was made out to my wife, myself and the mortgage company which is Bank of America. The manager of the local branch of B of A told us the check had to be sent to B of A headquarters and they would issue a new check in our name. We needed this money to use as down payment to pay the Roofer to start work. All Roofers here require XXXX % down and balance on the day of completion. This is a one day job. Bank of America has been using every tactic, so as not to give us this money. The roof is seriously leaking and causing more and more damage to our home with every rain storm. My wife called and explained what is happening and pleaded with them to send the money so we can start repairs. They could care less. After 2 months of their nonsense we receive a check for only XXXX % of the total amount. The check was made out to us and the Roofer. We called them and were told that we did not receive the full amount because we were late on last months mortgage payment and this was punishment. When we asked when more money would be released, we were told when the job was finished and not until the Roofer filled out legal paperwork. Again we told them how much damage is occurring and we really need the money to fix it. He told us that 's not the banks problem. We called the Roofer and explained everything that happened. He politely told us that he would not do the work under these conditions, and can not wait for Bank of America to decide when to pay him. All this nonsense over {$5400.00} which is being paid by the insurance company, and not Bank of America. If this roof collapses or water gets into the electrical system and someone gets hurt I am sure things will be different. Someone needs to start protecting the public from the abuses of these banks and their illegal tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my report that are a result of identity theft these are not related to any transactions completed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to request the immediate removal of my previous address from my credit report. I have recently reviewed my credit report and discovered that an outdated address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX and XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX is still listed under my personal information.
Product: Checking or savings account

I received a cashback deposit from Wells Fargo on XX/XX/XXXX. On XX/XX/XXXX i received a mobile banking alert that my balance was now {$0.00}. When i went to log it to see what was going on i was advised my account was closed. I inquired via chat and via phone call as to why my account had been closed with no warning. Both times i was told they they would not discuss the reason with me and i would just have to wait for something in the mail. I did not commit any banking violations and Wells Fargos outright refusal to even explain the reason for the closure is outrageous. A month ago they had a technical issue that left me with a negative balance although i had just received my paycheck via XXXX. Im not understanding how a company who will erase all trace of peoples hard earned money is about to steal money from consumers and close their accounts at will and refuse to give a reason why. Furthermore, when i opened this account it was incentivized by a {$300.00} bonus that was to be credited to my account after making direct deposits adding up to at least {$1000.00} within the first 90 days that i had done within the first 2 weeks of account opening and now i am being told that on top of the unexplained closure, i also no long qualify for the incentive that was promised even after i had completed all requirements which is text fraudulent activity. Wells Fargo must be held accountable for the harm they have caused and continue to causes consumers.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am an XXXX   lady on the fix income. I have been paying my credit card with Capital One for more than 3 years. I saved some money to pay it off and on XX/XX/20 I have made a call to Capital One and was told that to payoff the card, I would need {$1500.00}. The call was made to XXXX at XXXX. The representative confirmed the amount of {$1500.00}. I called back and authorized the payment on the automatic system that was also {$1500.00}. On XX/XX/20, I checked the bank statement and the amount charged was {$1900.00}. I called Capital One on XX/XX/20 at XXXX XXXX and supervisor said that I actually owe {$1900.00} and not {$1500.00}. When I asked how is that possible that information changes on automatic system and representative, she responded that she " does not know ''. I have explained to the Supervisor XXXX ID # XXXX that the amount does not change in 1 day when I have not used the card at all in years and was making the minimum payment. The Capital One never had my updated address, so I never received any of my statements. The Manager promised to send me the statements within the next 10 days. The whole situation is very upsetting because I feel that Capital One is taking advantage of the XXXX  less fortunate clients.