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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, TOWER LOAN XXXX. 

I looked at my XXXX, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

And according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/2020, I sent letters to the corresponding major credit bureaus about inaccurate reporting false items on my credit report. It's been more than 60 and I haven't received a response from them yet. I feel like I'm being ignored of my disputes. These are deceptive practices by the bureaus.
Product: Vehicle loan or lease

XXXX When I applied with for this loan at the XXXX dealership I also had other financing options. USAA gave me a fixed rate of a high 4 % because I didn't enroll in autopay. Then last year sometime as I was making my payment I noticed my rate was in the mid XXXX 's. I'm super busy and didnt make time to call in and address. When I paid off my car, the rep I spoke with mentioned that I had a 6.09 %. I'm a mortgage loan officer so rates don't confuse me and I shopped my options. I know I didn't agree or sign disclosures for a 6.09 % with a credit score in the mid XXXX 's. I called in and the rep said my initial disclosure was the 6.09 %. I did not sign this rate, I reviewed my docs before and knew my options. USAA was hacked and please forward this to the appropriate dpt. I've reported this with the FBI because I believe I'm being personally attacked as this has followed me else where. If you listen to the phone calls and they are scrambled it's because those calls were edited and hacked. As I've experienced this in the mortgage industry.
Product: Vehicle loan or lease

The contract stated said the car can only be sold for XXXX XXXX over XXXX XXXX With financing the car came out to XXXX. Then i got the car and found the original bill of sale which was XXXX. I bought the car XXXX years later with XXXX miles for XXXX with financing
Product: Debt collection

To Whom It May Concern, I am writing to inform you that I am the victim of identity theft. I did not open or authorize any account or transaction with your company, and I am not responsible for this debt. 

I have filed a police report regarding the identity theft and reported it to the Federal Trade Commission. I never signed any documents or agreements related to this account, and any such documentation you may have was not authorized by me. 

Please remove any fraudulent charges and stop all collection activity related to this matter. I am requesting written confirmation that I am not liable for this account. 

Thank you for your attention.
Product: Credit card

I placed an order on XX/XX/XXXX from the XXXX website for the amount of {$1100.00} and got the delivery notification on XX/XX/XXXX. Unfortunately, I did not see the package. Then I contacted the XXXX online order customer service right away. They told me the package had been delivered. I need to contact the delivery XXXX and submit the claim. Then I submitted the XXXX claim to the delivery XXXX XXXX XXXX. They replied to me on XX/XX/XXXX and gave me the case number. Then they sent me an email on XX/XX/XXXX and stated after the investigation, the package had been delivered already and let me contact XXXX. Then I contacted XXXX again, and they said couldn't help. Then I tried to dispute the transaction through my Apple card on XX/XX/XXXX and got denied on XX/XX/XXXX due to the merchant having delivery proof. The amount remained on my account. Then I went to the local police office, the XXXX gave me the case number and report. After that I submitted the second time dispute and got denied again on XX/XX/XXXX. Then I submitted the XXXX and XXXX time disputes with the same outcome later. The last time I contacted Apple card on XX/XX/XXXX and declined the dispute at the first time. Later on the rep told me can help me submit the last dispute but I had to provide proof. Otherwise, the dispute gon na deny again. I don't have a camera or anything proof the package was not delivered. I don't know how to proof. Please help!!
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft in the past and also another issue is that I've hired an attorney and sent a few different letters to the credit bureaus. XXXX, Equifax, and XXXX need to remove the " XXXX XXXX '' CLOSED, negative accounts XXXX in total from my credit report. 

The other account that has been falsely reported on my credit is from " XXXX XXXX '' and this needs to be removed from XXXX, Equifax, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXXXXXX XXXX XXXXXXXX and am submitting this complaint myself with no third party. 

I, XXXXXXXX XXXX XXXXXXXX, consumer, sentient sovereign and original creditor of an account using my open-end credit plan. In the year XXXX, CAPITAL ONE BANK ( USA ) N.A. doing business as Capital One placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX. In the year XXXX, CAPITAL ONE USA NA doing business as CAPITAL ONE placed derogatory remarks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX creating a total of XXXX derogatory remarks on XXXX, XXXX and XXXX. CAPITAL ONE ( USA ) N.A. also known as CAPITAL ONE N.A. doing business as Capital One has committed XXXX violations. The account with CAPITAL ONE ( USA ) N.A. also known as CAPITAL ONE N.A. doing business as Capital One was opened under a consumer credit transaction utilizing my open- end consumer credit plan. Additionally, the account has incurred late payments which is should not have pursuant to 15 United States Code 16666 ( b ) The statement includes a positive balance being reflected on the right side of the ledger, which is a credit balance to myself as the consumer, pursuant to 15 U.S.C. 1666 ( b ). After realising that the " coupon '' ( COUPON being a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose that they may be separated from the bonds and other instruments to which they are usually attached to ) attached to the aforementioned statement is indeed a form of payment, pursuant to 18 U.S.C. 8, BILLS AND COUPONS are examples of obligation or other security of the United States and pursuant to 15 U.S. Code 1666 ( d ). CAPITAL ONE ( USA ) N.A. also known as CAPITAL ONE N.A. doing business as Capital One furnished deceptive forms creating a false belief of debt owed when all debt are obligations of the United States per 18 USC 8 and in accordance with 15 USC 1692j. CAPITAL ONE ( USA ) N.A. also known as CAPITAL ONE N.A. doing business as Capital One has committed racketeering and extortion through interstate commerce as described in 18 U.S.C. 1961. CAPITAL ONE ( USA ) N.A. also known as CAPITAL ONE N.A. doing business as Capital One has restricted my account using false allegations violating 15 USC 1666A - no adverse action against me. 15 USC 1666B- not given full disclosure 15 USC 1666D treatment credit as balance ( B ) refers to any part of the amount 15 USC 1602g : CAPITAL ONE ( USA ) N.A. also known as CAPITAL ONE N.A. doing business as Capital One alleges to be original and current creditor 15 USC 1692e : CAPITAL ONE ( USA ) N.A. also known as CAPITAL ONE N.A. doing business as Capital One alleges to be the original and current creditor, Again on XX/XX/XXXX the company has again placed a derogatory remark with XXXX, XXXX, and XXXX dropping my on time payment from 100 % to 0 %.
Product: Mortgage

My husband and I have been trying to get a loan modification with Shellpoint Mortgage Company for few months now. We are also working with our attorney ; three months ago he recommended we do a Chapter XXXX in the meanwhile try to get a loan modification with Shellpoint. The problem with the Chapter XXXX was that our trustee 's payment was raised during this time. On XX/XX/XXXX we submitted a loan modification package to Shellpoint Mortgage and we received a response from Shellpoint dated XX/XX/XXXX indicating they assigned a new specialist to assist us thru the lost mitigation process. We have made many attempts to get a hold of our specialist dedicated to our file but he never responded back. Every time we call they tell us they require more documents and every time we send them and come back with another request of forms or adjustments on forms. For example : they requested our XX/XX/XXXX-XX/XX/XXXX taxes and we complied. They told us to call back in a few days to follow up and I did only for them to tell me that they did not receive our taxes. 

Finally after submitting a complain I hear back from our specialist. HE told us he had received a package. And that he was sending a realtor to our home to do a home appraisal. This was on a Monday. On wednesday we recieved a phone call from Shellpoint indicating that we are eligible for a loan modification. That we would have to give a XXXX down payment. They told us they would put everything in writting and mail it to us. Well on Friday evening we get a call from Shellpoint and they tell us sorry the investors would not approve the loan modification. And on Monday morning our home goes into Auction and we get foreclosed on.
Product: Credit reporting or other personal consumer reports

This is a follow up to XXXX Today I received a poorly written " Cease and Desist '' letter from lending tree. 
Apparently after I posted several reviews and complaints including screen shots of their stalking of me someone signed up one of their employees for their service. 

Of course if you take a look at their responses to me they claim once they remove info from their system the harassment stops. Obviously this is not true because these liars claimed they removed my info months ago yet several times a week I get calls/emails offering me insurance on the same vehicle my stalkers provided lending tree. 

it was nice for them to acknowledge their lead generation system is a form of harassment maybe now they will review who they provide consumer information to and how it is used. 

I am sorry for what has happened to the employee and obviously deny doing anything but post their bogus responses on different review and complaint forums but its kind of refreshing for someone there to have to deal with the harassment/stalking of Lending Tree customers. It appears to be painful enough for them to threaten to sue one of their victims. 

Perhaps if the do sue me I will finally get the IP address used by the XXXX to harass me. Its pretty powerful evidence of harassment when the company doing the harassment admits its harassment. 

I have updated both my local police report and my TX Attorney General Complaint with this new unsolicited email
Product: Credit reporting, credit repair services, or other personal consumer reports

US Dept Of EDUCATION loan service has reported and provided inaccurate information to the credit bureaus XXXX, XXXX, and Equifax for the last 5 to 6 years and ive reached out to get the information updated and it has been updated incorrectly. the accounts haven't been updated since 2017. By law after chance given to update credit reports correctly. If not the consumer has the right to have the items deleted. at this time i demand that the US Dept Of Education Student Loans delete those accounts immediately. and in fact, I've been affected by this for years and I deserve compensation for the way my file has been falsely reported. for every year was reported I had no knowledge of until learning about this earlier this year and wanted to take the appropriate steps in making sure I did my part to fulfill the obligation. BUT when I compared all reports they were ALL WRONG. SO I deserve fair compensation in this act of incorrect reporting and for the number of years it has been reported on my account, also for the chance given to correct the items that were wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted several companies due to unauthorized credit inquiries in my recently received credit report. Was advised to contact the XXXX, Experian and XXXX. XXXX  helped opening the pertinent claim to remove the inquiries, while XXXX  and Experian refused to assist claiming there is nothing they can do. 
Inquiries to be removed as not authorized are below, some appearing as much as 4 times as it is the case with XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, etc.

1-XXXX XXXX XXXX  2-XXXX XXXX XXXX XXXX XXXX 3-XXXX 4-XXXX 5-XXXX XXXX XXXX 6-XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX XXXX XXXX XXXX 9-XXXX XXXX XXXX XXXX 10-XXXX XXXX XXXX 11-XXXX 12-XXXX 13-XXXX  14-XXXX XXXX 15-XXXX XXXX XXXX 16-XXXX XXXX 17-XXXX XXXX 18-XXXX
Product: Mortgage

I have been trying to get a modification for my home mortgage. I have been doing so since XX/XX/XXXX. I have submitted at least 4 times their requested documents on their application process. They always deny it stating I am only eligible for a short sale. I am working with a government appointed organization in XXXX County. I have sufficient income and not much debt. 
Submitted applications on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, I'm reaching out to express my concerns about several issues with the credit bureau. These include incorrect account listings, numerous unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me. 

I am seeking assistance to resolve these issues to ensure my financial stability.
Product: Money transfer, virtual currency, or money service

The {$10000.00} I wired and stopped has never been returned to me.
Product: Prepaid card

XXXX returned {$1200.00} to my Utility Spending Account on XX/XX/2023 but the funds went missing for XXXX full months and did not return to the account until XX/XX/2023.
Product: Checking or savings account

It has been a month now I dont have access to my checking and brokerage account. The company told me that they suspended my access to my accounts to protect my identity and I have to verify my identity with their authentification team so I can confirm that those accounts was opened by me which I did the same day of our first communication about this issue. They told me that everything has been verified and I should wait a maximum of 24h for the fraud department to unlock my account since they are the only department that have the ability to do it, but since then nothing has been done yet. Every time I called them they just tell me that I have to wait. Around 2 weeks ago I finally received a letter trough mail from the fraud department stating that I have to call them but I tried to contact them several times using the number they told me to call and I couldnt reach anyone.
Product: Debt collection

Call 20 times a day, I have told them they have the wrong number, I do not owe them money. Have asked not to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I received a phone call from this gentleman from the president office saying that XXXX is not going to be able to call me to resolve the complaint that was received by the cfpb and that theyre no errors on their side. Well, I told him sir there is because the letter never said that capital one is going to report a late payment to the bureaus, show me proof on the letter that you guys sent, show me proof that is all that I am asking for. 

The capital one accounts which was three accounts that I had, I paid two of them in full, one was for a credit line of {$750.00} and the other one for {$500.00}. I was offered by capital one during hurricane Irma help for all military and veterans that was affected by the storm, that they will waive late fees and we didnt have to make a payment for six months. So when I noticed that they reported me late to the bureaus. I called and told them that they put us in a program to help families that was affected by the storm, so shame on them and that is why I paid the two highest account in full and closed them. The accounts are currently in dispute  with the Bureaus and the FTC, I will make it my mission to, protect other family members not to get bamboozled by this big company. 

There is something call karma and I believe in it and I know I will get justice for the malpractice of capital one. You guys says that you help military families, please show me how, all I am asking is to remove the late payments from accounts that was in a program that you guys develop to help people and now you are punishing us. 
The accounts are paid in full, when I was made aware of the late payments reporting, you know what I did I made all of my payments before the due date and paid both accounts in full and closed it and now I have one active account with you guys with XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got credit alert notifications from XXXX XXXX that there were some changes on my XXXX Credit File. I checked those notifications and noticed there were multiple accounts appearing on my XXXX Credit File as of XX/XX/XXXX that had never appeared before. I immediately called XXXX  and talked to them about those accounts not belonging to me and never opening those accounts and that I believed those accounts were fraudulent. I noticed the account were open back in XXXX and just now appeared on credit file. I sent to XXXX a completed FTC ID Theft Affidavit/Report, a cover letter explaining I have been a victim of identity theft, a copy of my drivers license, a copy of my social security card, a copy of the credit report indicating what accounts were fraudulent, and a copy of the FCRA 605B ( 15 U.S.C. 1681c-2 ). Since XX/XX/XXXX I have called at least every other day and have spoken to individuals in the customer service department, fraud department, and supervisors in both departments. I have asked them if they have received the paperwork I sent to them via certified priority mail through USPS and they have said yes every time and that those documents have been scanned and uploaded to the system. I have been told that a dispute has been open for fraud and have sent that dispute and the paperwork I sent them to the creditors and I have to wait 30 days or up to 30 days for it to be resolved, but I have every time specifically explained to them that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) they are to block/delete those accounts that I identified as alleged fraud from my credit file within 4 business days and they always have excuses for not doing so and tell me I have to wait. They have not addressed my issue and I am currently in escrow for a home and this came up and I have begged them to please resolve my issue and help me out and they have refused to and have ignored every attempt I have made and have disregard the current FCRA 605B in place to protect individuals like me who have been victims of identity theft. According to FCRA 605B ( 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. '' I have provided to them everything requested and needed for them to comply with this request to block the items on the FTC ID Theft Report and they have failed to do so now and within the 4 business days.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove and or amend the disputed accounts, as Experians inaction violated federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.

In accordance with the fair credit reporting act conversion XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC sec 1681sec 602 states have the right to privacy 15USC 1681sec 604 a sec 2 states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention that the XXXX account opened on XX/XX/2021, which reflects {$1600.00}, is fraudulent and negatively impacting my credit report. Despite my previous attempts to dispute and resolve this matter by calling, no action has been taken. Upon discovering the fraudulent activity, I took immediate steps and reported my stolen identity, placing a fraud alert on my account on XX/XX/2021. 

The negative reporting of this account is causing significant hindrance for me and my child in securing an apartment, and we are now facing the possibility of homelessness. Adding to my distress, I am currently XXXXXXXX XXXX XXXX. In light of the circumstances, I urgently request that this negative account be removed from my credit report without delay.