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

In XX/XX/XXXX I reached out via mailed correspondence to LexisNexis requesting the removal of information ( address, telephone numbers, insurance claims, etc. ) that does not belong to me or documentation validating the information is mine. I received an updated consumer report on XX/XX/XXXX and the inaccurate information is still reflected
Product: Money transfer, virtual currency, or money service

Someone pretending to be chime agent hacked my account and moved the money telling me that your check will deposit into a new card. I need it for purchasing a home so they saw all the money in my account and new you were an easy target. Now you are fighting to get your money back because chime wont help. I want to let you guys know about the app the person made you download and then took access over your bank account. App is XXXX, Just that they pretended to be chime, downloaded the app to access my account and moved all your money within minutes & after a few hours everything was gone. Chime only gave back partial but you still missing money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX double billed {$1600.00} for a medical procedure provided to XXXX XXXX ( my wife ) .The double payment was posted to Citicard on XX/XX/. I disputed the extra charge on our Citicard account ( joint account for XXXX and XXXX XXXX ending with XXXX ). XXXX admitted to the error and refunded the extra payment to Citicard on XX/XX/XXXX. XXXX asked that I cancel the dispute to expedite the refund from their system. I communicated this to Citicard but they erroneously assumed I was accepting responsibility for the extra charge and reinstated the charge on our account. I provided evidence to Citicard that I do not owe the extra {$1600.00} charge to XXXX. However, the extra {$1600.00} charge remains on my account despite the fact that XXXX shows a single {$1600.00} payment accepted from Citicard and I am paid in full on my XXXX account with the single payment. That means that there is an extra {$1600.00} payment on our Citicard account that has not been sent to XXXX and has not been refunded to our account. Citicard has ignored multiple email messages from me asking for resolution to the issue. Thus, there is still an extra {$1600.00} payment on our account that is not owed to XXXX and has not been refunded to us. Citicard 's unresponsiveness to this issue has left us no choice but to file this complaint.
Product: Vehicle loan or lease

So, my loan was transferred/sold from  XXXX   XXXX   XXXX , whom by the way ... were a class act ... .now with  1st investors Financial s ervices, literally the way i find out, is because i no longer had access to my online with veritas. Now with  1st In vestors, i speak with Agent  XXXX   XXXX  -- after she verified my information, i asked who they report to ... .what Credit Bureaus ... she proceeded with " I dont know that, i dont know who we report to '' she was very snarky, and quite frustrated ... .Rememeber this is the first ever time i find out i am not part of this finance company. She transfered me to the Manager  XXXX   XXXX , i asked her what Credit bureau do they report to ... ..she is the manger of the collections department, and she had NO IDEA WHO, so now this frustrates me and confuses me ... ... she had to place me on hold to find out whom they report to ... turns out, its to all  XXXX  Bureaus, which makes me happy ... .i was also told that all my Automatic payment info was transfered with the process ... ..turns out,  XXXX  says it wasnt and now i have to fill out some form, so that i can be set up on this again. my payments are do on the  XXXX , today is  XXXX  ... ..they will honor and back date my payment. the only thing is, for budgeting purpose i asked to debit my card, but it would be a {$13.00} charge and it is a 3rd party charge ... ..i asked them to waive it as a courtesy, and they could not. i am not happpy with the false information that was provided to me and unhappy that there account reps didnt know who they report to. First impressions are everything, and not once did i file a CFPB Complaint about  XXXX  ... ... i advised  XXXX  that i would be filing this complaint, and there is nothing she did to keep from doing this.
Product: Credit reporting or other personal consumer reports

I have sent in several disputes for years and TransUnion investigation took more than 30 days and the problem has not been resolved. I sent in my FTC report and Police report and my affidavit stating the inaccurate accounts do not belong to and nothing has been resolved, on XX/XX/XXXX I sent in documents and the company say they never received them, on XX/XX/XXXX I sent in I documents and the company stated they never received, on XX/XX/XXXX I sent in documents and they say they never received, on XX/XX/XXXX I sent in documents notarized and certified mail of what the company stated they needed from me, today XX/XX/XXXX i was informed the investigation is going to take 30 days, the company been telling me the same thing for months and years and i never received any thing back regarding the investigation. this has been an ongoing issue with TransUnion and they are not updating my credit file as it should be. I received an investigation email with a document attached stating the inquiries was deleted and they still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXXthat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

According to a phone call to XXXX XXXX on XX/XX/XXXX,  someone tried to apply for a new credit card using my social security number. This is likely a result of the Equifax data breach.
Product: Mortgage

VETERAN BEING DISPLACED!! 1 ) Purchasing Lender/Servicer Residential Credit Solutions ( RCS ), did not recognize a fully ratified permanent loan modification in force they acquired from XXXX, although provided the requested written, notarized documentation which was requested by lender single point of contact ( SPOC ) : MODIFICATION AGREEMENT INCLUDED OVER XXXX PRINCIPAL REDUCTION!! Client complained to HIP, the Counseling agency and counselor who originally secured the loan modification, and when housing counselor brought the oversight to the attention of Servicer ( RCS ), the SPOC requested the necessary documentation to rectify the situation. The documentation ( copy of notarized agreement ) was provided immediately via overnight mail. We were assured the situation would be rectified. 
2 ) Servicer continued to solicit full mortgage payment from homeowner in writing and verbally, and issuing mortgage delinquency warnings despite the modification in force and would not acknowledge existence of the modification despite homeowner 's repeated efforts at communicating this to serivcer during telephone inquiries, and having provided the written, notarized, ratified agreement delivered to servicer. 3 ) Despite homeowners attempts at reinstatement with large sum payments requested by servicer of {$12000.00}, and {$16000.00} via certified funds, payments were returned to homeowner as insufficient even though these amounts were requested by the servicer, and foreclosure proceedings were continued! 4 ) Homeowner applied for and participated in mediation, by which time they were disqualified from favorable HAMP modification. 5 ) Client reapplied for modification was denied although homeowner 's son living in the property is A VETERAN HAS PLEDGED HIS FULL INCOME XXXX in monthly payment contribution!! 6 ) We are in the appeals period and seeking legal assistance.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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
Product: Mortgage

XXXX made an electronic payment from my checking account for {$380.00} for a monthly payment. As of this date, Shellpoint Servicing have NOT applied this payment ; and I have shown proof where the money was taken from my account. NO RESPONSE YET! 

XXXX made an electronic payment from my checking account for {$380.00} ( Regions Bank ). Shellpoint is NOT showing where this was taken from my bank account. 

XXXX received an email saying the payment was late and had not been received. I immediately tried calling the office ; as usual, no answer. Left over 7 messages ; no reply as of XX/XX/XXXX. 

XXXX made another payment of {$380.00} so my account would be up-to-date and hopefully won't be charge a " late '' fee. In turn, I went to the bank and now I have " DOUBLE '' paid, and Shellpoint Servicing is only showing receipt of ( 1 ) payment instead of two payments!

I am so sick and tired of this company. I have sent emails over and over and over and I NEVER receive a reply. I call and call and call, leave messages and NOBODY ever calls me back! This is poor, poor customer service! 

I am requesting a complete summary of ALL payments made to Shellpoint Services from XXXX, XXXX, XXXX. I also need a summary of payments made to Shellpoint XXXX from XXXX, XXXX, XXXX. I double PAID for the month of XXXX because I received a late notice, and when I checked both of checking accounts, ( XXXX ) payments were taken from my checking account!!!!! I have my proof from both banks! 

I would appreciate it if you could get this information for me because I can NEVER speak and when I leave messages NOBODY call me back. This is so wrong. 

LOAN ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Name : Shellpoint Servicing XXXX # XXXX : XXXX XXXX
Product: Credit card

Improper use of my report Date of Incident : XX/XX/2019 Amount : {$79.00} U.S. Bank, N.A. 
At the following address : U.S. Bank, N.A. XXXX XXXX XXXX XXXX, MN XXXX Under 15 U.S.C. 1681 section 602 states, I have the right to privacy.

Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX** Balance : {$46000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not showing the correct information on my credit report. Over the past several months i have filed multiple disputes with Equifax explaining to them that the information on my credit report is incorrect. Due to misinformation from XXXX XXXX  my mortgage holder I received late payments for XX/XX/2022, XX/XX/2022 and XX/XX/2022. XXXX XXXX has acknowledge the error and agreed to suppress the late payments for XX/XX/2022, XX/XX/2022 and XX/XX/2022. XXXX and XXXX have already made the correction and suppressed those months, but Equifax has not and are still showing late payments for XX/XX/2022 and XX/XX/2022. Their last response to my complaint did not make any sense nor address the issue. In this complaint I attached a copy of the letters from XXXXXXXX XXXX stating that the negative missed payments for XX/XX/2022, XX/XX/2022 and XX/XX/2022 should be suppressed on my credit report. In addition, I am including screenshots of the XXXX XXXX account that shows on my XXXX and XXXX, showing that they have followed XXXXXXXX XXXX  resolution of the situation and suppressed the negative payments for those months. I will also include my original complaints as well. I am asking Equifax to correct the error and suppress the late payments for XX/XX/2022 and XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I sent a validation cease and desist to the collections company 's ( XXXX XXXX XXXX, XXXX XXXX XXXX ) providing them with the dispute letters asking for a validation letter as well as an ASSIGNMENT CONTRACT which I have not received. I filled a CFPB complaint however nothing was done about it. This unfortunate situation is keeping me from living my life it's creating a strain on my everyday life and mental health.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COLLECTION AGENCY AGREED TO DELETE THE COLLECTION ACCOUNTS THAT I PAID BUT THEY ARE STILL APPEARING ON MY FILE
Product: Debt collection

REISENFELD & ASSOCIATES LPA XXXX has filed a case on behave of XXXX XXXX for a debt not owed. I never had a contract with XXXX XXXX  or REISENFELD & ASSOCIATES LPA XXXX.
Product: Checking or savings account

About a week ago my car was broken into and my wallet and checkbook were stolen. Somebody fraudulently deposited a check of mine into their account and my debit card was also used to make fraudulent purchases. TD bank called me to inform me somebody has deposited a check and called me to confirm if it was me. I explained to them that I did not and that somebody stole my check and deposited it. Due to that happening TD has froze my account. I called customer service and was informed to go to my local branch and they will help me. I went to my local branch and was told to call the Demarketing team and to leave a voicemail which I did and have yet to receive a call back. I have responsibilities and need to access the funds that are in my account. Please help me recover the funds in my account.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts 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
Product: Student loan

My personal student loan debt was forgiven under PSLF. Mohela changed my account numbers during a transition of the student loan database. I contacted them and verified as well as they confirmed my personal student loan debt was forgiven almost 1 year ago. They continue to report the information incorrectly to the credit bureaus. Additionally, I disputed the information but was not successful because MOHELA changed the account numbers. I have tried to resolve this matter, and they have not corrected it and my credit score is impacted negatively.
Product: Debt collection

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 

XXXX XXXX XXXXcount # XXXX Bal : {$1300.00}
Product: Vehicle loan or lease

I am writing to file a complaint against Santander, the auto lender, and XXXX of XXXX, the dealership, regarding the purchase of a XXXX XXXX XXXX. On XX/XX/XXXX, I purchased the car from XXXX of XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. At the time of the purchase, I was freshly XXXX XXXX XXXX and lacked the knowledge and experience to fully understand the transaction. 
The dealership took advantage of my lack of knowledge by not disclosing crucial information regarding the car 's condition and the terms of the contract. The car had a listed mileage of XXXX miles, but the odometer showed XXXX miles. Although the sales agent promised to adjust the price accordingly, it was never done. The dealer failed to include my exact model/trimline of my vehicle on my agreement and didnt put my insurance companys name or policy number on my agreement. Furthermore, the dealership did not include the agreement to break my down payment into two payments in the written contract.

I was also offered a warranty, which the dealership promised would cover everything. However, the car started overheating due to the radiator fan just 2-3 weeks after the purchase. When I took it back to the dealership, they informed me that it was not covered under the warranty because it was part of the electrical system. I was shocked to learn that I was not enrolled in bumper-to-bumper coverage, which I was promised at the time of the sale. 
I feel that the actions of XXXX of XXXX and Santander have been grossly misleading and negligent. They violated my rights as a consumer and took advantage of my inexperience in purchasing a car. The negative reports that Santander has made to my consumer report have made it extremely difficult for me to obtain credit extensions, which has caused significant financial hardship. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against these businesses. They must be held accountable for their actions and prevented from treating other consumers in a similar manner. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I closed the account in XXXX. I sold the property in XXXX. I received a collection notice in about XXXX regarding an unpaid XXXX XXXX XXXX and XXXX bill from XXXX. I disputed and questioned the validity not get resolved.
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 15 USC 1681 Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name XXXX XXXX XXXX, Account name : # XXXXXXXX XXXX, Account name : # XXXX XXXX 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 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( A ) ( 1 ) 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 then records of convictions of crimes which antedates the report by more then 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