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

In according with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A states i have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without 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 items of information, other than records of convictions of crimes which antedates 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

A person by the name of XXXX XXXX called my work phone, which is not a direct contact line. When I returned the call they were asking me personal identity questions while refusing to identify why they were calling or who they were calling on behalf of. They were rude, and in the end threatened me and told me I had to make arrangements today to pay today. I had no prior contact from this agency called CKS financial. I also had not heard of the company they claimed to have received my file from, XXXX XXXX XXXX. When I responded that I was at work and could not take the time to handle this phone call, but would look for something from them in the mail, " XXXX XXXX '' told me I better call back on a break today. Again I repeated that I did not have the time to deal with the call today and again I was told I better call on a break. Then she said she would write in my file that I said I would call back today, I told her I did not say that, but she again said I had to call back on a break today.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified sometime in XXXX that a collection agency believed I owed them a debt. I sent them a dispute and requested all the documents they had on the account. I never received anything from them and from my understanding they did not correctly report it to the credit bureaus. When I called in XX/XX/XXXX to request they remove the incorrect information on my credit report, the collection agency told me they sent something to me in XX/XX/XXXX but could not verify it was the documentation I requested or give my any information that was helpful. I did not receive anything from them in XX/XX/XXXX. The collection agency refused to remove the incorrect information from my credit report and I had to file a new dispute directly with the credit bureau this year. The incorrect reporting is negatively affecting my credit and I would like it removed.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/2024. I saw some hard inquiries that did not have permissible purpose. i also attached IDTheft report 1. XXXX XXXXXXXX XXXX XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 2. XXXX XXXX XXXX  XX/XX/2024 This inquiry has no permissible purpose to be on my report. Please delete this inquiry to violation of 15 USC 168 1b 3. XXXX XXXXXXXX XXXX XX/XX/2024 4.  XXXX XX/XX/2024
Product: Mortgage

My pipes busred on XX/XX/year> and my insurance company issued payments for repairs. On 2 separate occasions, Shellpoint received the funds and held the funds for months, which caused delays in repairs. I would call daily and Shellpoint would have me on hold for often beyond 1 hour and sometimes would ask if I was interested in a return call and Id agree but not once did they return my call. This caused a great delay in work being performed because I was unable to pay my contractor. There were other payments that were sent to Shellpoint that were delayed and caused great delay as well. My insurance company says they have nothing to do with delays in receiving payments from lender and have forced me to move from temporary housing and my house is still not complete. Shellpoint would claim that it takes 8 days to process payments and send and that didnt occur. It took them over 2 months on both occasions after receiving the money from my insurance company. I used my earnings, although insufficient to pay contractor for the major work required but this caused me to fall behind on my car note, utility bills, insurance as well as other bills.
Product: Credit reporting or other personal consumer reports

This complaint to BARCLAYS BANK DELAWARE for allowing fraudulent account on my credit report. As I checked my recent credit report, the fraudulent and inaccurate account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit card

I paid XXXX to a company XXXX XXXX XXXX to install XXXX, in XXXX % 1 days later no lights were installed. XXXX. I tried to talk to the company, they refused with excuses and bs. I went to XXXX XXXX who installed the lights. Discover was given a fraud report from the police I filed and a receipt from the company that actually installed the lights. They refused to refund my money. Even after multiple reviews. They lie when the commercials on television say they care and protect customers. They abuse them. Horrifically and do not care about their consumer base or fraud policies. even with plain evidence from law enforcement and receipts. I chose not to sue because it is not worth the stress, i close my account and will tell everyone I know they are terrible to the customers the supposedly care about. I will pay the amount off, to protect my credit but I do not have to and do not care. They are lucky I am even willing to pay this off. Treating fraud like this with police evidence and straight evidence from the installing company and relying on a handwritten note from the liars makes them accomplices to fraud and XXXX XXXX. I will also post on social media this ridiculous treatment and file reports monthly until they make changes to protect customers, OR stop lying on their commercials on television. I hope XXXX XXXXXXXX fires them all when they buy them out. They would deserve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Debt collection

I was sued by Wells Fargo for credit card debt. I entered into a debt relief program in XXXX of XXXX. This account was included in my program with XXXX XXXX relief. Wells Fargo persued a lawsuit and I was supposed to be represented by Freedoms legal XXXX as a part of my program and I was paying for their services. They did nothing for me to represent me so wells fargo won the lawsuit. It was for quite a bit more than I owed. I had owed {$6200.00} at the time I joined XXXX. The lawsuit amount was for {$8600.00}. That is a difference of XXXX. XXXX been making the payments. To Wells Fargo until XXXX of this yr. I discontinued my agreement with XXXX and started a new program with XXXX XXXX. I did not include the Wells fargo debt as I was going to continue to make the payments of {$240.00} a month to them on my own per the stipulated agreement at a po box in XXXX, CA. The first check was cashed after I paid it and then the second one never was. 
I then received letters from XXXX XXXX XXXX trying to collect on this debt that had been being paid monthly ouy of my escrow account with XXXX. 
I paid a total of 19 payments equalling XXXX while with XXXX. 
Then XXXX XXXX XXXX filed a notice of Settlement of entire case in XX/XX/XXXX. 
I believed this to mean I was done paying this settlement. 
However i then started receiving letters from XXXX XXXX XXXX in XXXX of XXXX. 
They stated I still owed this money so I started paying them. I have paid 5 payments to them. They then filed a exparte order to enter judgement for the remaining balance plus fees of {$XXXX}. 
I filed papers with the court objecting to this exparte order as I have been making the payments and I wrote to them trying to get them to let me know if I do still owe this debt as I thought that XXXX XXXX XXXX form to settle entire case meant I was done paying this. I have not received anything from the court since XXXX XXXX XXXX filed this exparte order and I responded. The clerk did say when I went to file these papers that this case had been dismissed. I am really confused on if I owe any more on this or not. 
I feel it should be paif off as the original amount was {$XXXX}. XXXX and to date I have paid {$XXXX}. 
XXXX XXXX XXXX is now calling and harassing me even though I have continued to send payments. 
I call back but the person never answers the phone and she will not answer my questions in a voice mail. 
XXXX XXXX XXXX phone is XXXX. The person I am supposed to talk with is XXXX XXXX. Ext XXXX. 
I would like some clarification on if I even still owe this debt and if so that they dismiss it as paid in full as I have paid more then the amount of the original debt. I would also like reimbursement of the amount above the original amount I have paid or since the notice of settlement of entire case received in XX/XX/XXXX any amounts paid after that I would like reimbursement from Wells Fargo. 
This has been very stressful annd confusing with all the different entities involved. I believe this debt is paid in full and I am asking for {$XXXX} be returned to me due to the case dismissal in XXXX of XXXX. 
Thanks, XXXX XXXX
Product: Mortgage

The account in question is Loan Depot account # XXXX the issue at hand is a late payment reported in XX/XX/, I was unable to make that payment due to Covid-19. 
When I was well enough to work I did make the payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company has agreed to the removal of the information due to settlement. The credit bureau has not complied with the request in the last 8 months. I moving forward with suing if the inaccurate information is not removed in the next 14 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cracked since the data breach of Equifax I have struggle to maintain clean credit not go into debt and pay my bills on time although it looks as if it's gone to waste since random accounts show up with XXXX charges on my current accounts and I struggled to know why the credit bureaus are allowed to display this inaccurate information after I have several times over the past three years requested is being removed. Finally why are credit bureaus allowed to not upload a XXXX reports all three of their different platforms unless you are a paid customer?
Product: Debt collection

In late XX/XX/XXXX or early XX/XX/XXXX I was contacted by a firm calledXX/XX/XXXX, XXXX, claiming I had stopped making payments on an account I had with them. I notified them that I had never had any account with them, and to send me all documents repeated to the account. I was sent a number of account statements, but they refused to send the original contract or provide details as to how, when, and by whom, the account was opened. They stopped responding to my correspondence I was subsequently contacted by a firm called Velocity Investments , LLC. This firm claims to have purchased the original account. Again I requested all documents I'm entitled to under the FDCA. Again, no response. This firm has now filed a law suit attempting to collect the debt.
Product: Credit card or prepaid card

I booked my stay at the XXXX XXXX XXXX in XXXX XXXX using award nights, so my stay should have been free. However, I was asked to provide a credit card for any incidentals at checkin. I was incorrectly charged on that credit card, which was my Chase credit card. The purchase was made on XX/XX/2022 in the amount of {$120.00} I have contacted the hotel to get a refund but they were dragging their feet and referring me around with no solution, so I disputed the charge with Chase. 

Chase only contacts me about the dispute via snail mail dispute my attempts to make contact via Chase 's secure message services ( because I am in XXXX for work for the time being ). I was asked to submit evidence for the dispute and I uploaded the documents to Chase 's document center, then I asked for confirmation that they were received via secure message, a request that was ignored. Then I just received a decision in the mail that said the decision " remained the same '', in reference to the fact that I almost missed the deadline for uploading proof due to Chase 's insistence on using snail mail which I can not check. 

So I am not even sure Chase considered the evidence I submitted, which should have been sufficient to prove that no purchase should have been made and there was an error that needed to be rectified. The burden of proof that a legitimate purchase was made should rest on the hotel, as I doubt they will be able to produce the documentation to show that any transaction occurred.
Product: Student loan

On XX/XX/year>, I received a call from XXXX XXXX - XXXX XXXX. They claimed to offer job placement services in my locality, with the promise that I would not need to make any payment until I secured employment with one of their clients. According to them, I would only be required to pay {$18000.00} in installments over a period of XXXX XXXX XXXX XXXX after obtaining a job. 

Following this conversation, I was sent paperwork to sign, which I did under the impression that it was solely related to the job placement process. However, I later discovered that XXXX XXXX had used my information to secure a loan of {$18000.00} from XXXX XXXX without my explicit knowledge or consent. This loan amount was then directly disbursed to XXXX XXXX. 

A month later, I started receiving emails from XXXX XXXX demanding interest payments on the loan. This was the first time I became aware of the loan 's existence. When I contacted XXXX XXXX for an explanation, they asked me to pay the interest to XXXX XXXX. Upon my refusal, they sent me the interest amount through XXXX, instructing me to forward the payment to XXXX XXXX 

At this point, I began to investigate XXXX XXXX further and discovered numerous complaints and reports on social media from other individuals who had experienced similar deceptive tactics. It became evident that this was part of a pattern of fraudulent behavior on their part. 

I am particularly concerned about how XXXX XXXX approved and disbursed the loan to XXXX XXXX without my explicit authorization or proper due diligence. This lack of oversight has not only enabled XXXX XXXX to perpetuate their scam but has also placed me in an unjust financial position.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$990.00}. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX  XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX
Product: Credit card

Good Day -- Capital One has charged me a {$40.00} late fee on XX/XX/2024. In addition, they have been charging me an average of {$160.00} per month ( {$110.00} in interest ), even though I don't use my credit card every month or I purchase small items -- such as coffee, XXXX XXXX subscription, etc. I was laid off on XX/XX/2024, and can not continue to afford these exorbitant fees. I have attached my termination letter as proof. Recently, I enrolled in autopsy ( {$80.00} every other Sunday ). YTD I have paid {$200.00} in total fees. My APR rate is 29.24 %. I am unable to continue payment as I am not employed. 

Thank you.
Product: Checking or savings account

After attempting to update my new phone number that I requested from XXXX because my previous phone number was receiving non-stop spam text messages and calls. I spent 2 hours speaking to various representatives at chime trying to update my phone number. I was told by a representative that I was being transferred to another department and then my account was suddenly suspended. I still cant access my account after 24hrs. Chime is in possession of my legally owned money!
Product: Student loan

My sister received a call from a company called Williams and Fudge. From a rep named XXXX or XXXX. She proceeded to tell my sisters sensitive information about my student loan account which I was already aware of. I told her at that point I did not want to work with their company because I was handling the matter through my university. She became very disrespectful saying that I was constenting for my loans to be dilinquent. Which I never verbally consented to do. The phone call escalated with me hanging up. I called back to complain and that female caller was rude as well. I asked her multiple times to send my call to a manager and she would not. Eventually she sent my call to a supervisor name XXXX who was just as disrespectful. I said i will pay the loan but I didn't want to work their company. They said it was either them or the highway. I hung the call up because yet AGAIN we were getting nowhere. These people will try to intimidate you and threaten you. Beware!
Product: Checking or savings account

I received a notice letter from XXXX  on XX/XX/2018 saying that I cant open up a bank account with 2 pages of Inquiries I never heard of. Being that I cant open up a bank account for the next 4 years it has been a struggle for me to even fix my credit score and the ability to manage my money in a safe and positive manner.