23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

security credit service reporting collection debt to my credit XXXX $ and they refused to delete it their phone number is not listed but address as listed is XXXX XXXX XXXX XXXX XXXX MS XXXX
Product: Mortgage

I had a mortgage with Shellpoint Mortgage and they foreclosed XX/XX/XXXX. In XX/XX/XXXX they placed Lender Placed Insurance on my account. I had a condo, the condo association has a master policy with coverage on the property. All the necessary paperwork was emailed to Shellpoint and the supervisor of the insurance department emailed me to confirm. My mortgage was {$930.00}. For the months of XXXX, XXXX and XXXX Shellpoint had me owing {$1200.00} and change and then for XXXX {$970.00} and change. I have been calling and arguing with this company since XX/XX/XXXX thru XX/XX/XXXX to fix the amounts since the Lender placed insurance was canceled. I received a foreclosure notice in XXXX. They still have not fixed anything ; they foreclosed on XX/XX/XXXX and now are trying to offer me {$4000.00} to vacate the property and it must be signed by Fri XX/XX/XXXX. I would like an analysis of my account completed. Although my property is already foreclosed on, I do not want them to do this injustice to any other home owner and wrongly foreclose on their property due to negligence to get the corrected amount so people can pay their mortgages.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim ofXX/XX/XXXXThe information listed below, which appears on my credit report, is the result of that XX/XX/XXXX 
ACCOUNTS XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX  XXXX  showed up on my Experian Report for XXXX XXXX XXXX XXXX. 
I have never had an account with XXXX XXXX XXXX and this is not my account. 
About a year ago, I received a notification that someone tried to open a new XXXX XXXX XXXX account from one of my credit monitoring services, I immediately called XXXX XXXX XXXX and they said they cancelled the attempt that was made without my authorization to open an account. Immediately following that I put a credit alert on all three credit agencies as well to ensure no one else would attempt to open an account without my direct authorization first. 
Then this most recently showed up on my credit report. I immediately disputed this with Experian in XXXX, they came back and did not remove from my report. Then I attempted to dispute again and they still did not remove from account after the second attempt. I have NEVER had an XXXX XXXX XXXX account in the past.
Product: Credit reporting or other personal consumer reports

TransUnion has allowed the continuous lifting of my freeze and fraud alert without my approval allowing the hackers to change my information. They then proceed to apply for credit cards, etc.. Attempts to have TransUnion prevent this since XXXX  have been in vain. Every time I contact them they give me a file number and say someone is going to contact me and they never do. I don't know what else to do to prevent the hackers from lifting my freeze and fraud alert with TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incredibly inconsistent and more importantly incorrect reporting on behalf of all three mentioned reporting agencies, with TransUnion in particular and to lesser extent by XXXX and even lesser with XXXX. The chief problem being with debt accounts that are not just classified incorrectly, causing the weighting against my FICO score to be massively inaccurate across then board as blatantly evident by the incredible amount of variance in the range of FICO values between these agencies. For the last 3-1/4s of the last decade I have tirelessly and fruitlessly on my own accord contested these inaccuracies time and time again to little or no avail, as such my last resort is to reach out to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - {$39000.00} - Car loan with Kia Motor Finance XX/XX/XXXX - {$41000.00} - Payments made from XX/XX/XXXX thru XX/XX/XXXX Account is now paid in full. 
As of XXXX XX/XX/XXXX credit agencies e.g., XXXX  have not been updated. Credit Agencies are still reporting an open balance of  {$15000.00}. Kia Motor Finance has not updated the credit agencies since XX/XX/XXXX. 

I have called, emailed and written Kia Motor Finance but they are unresponsive and ignore all communication.

I have a Letter of Satisfaction from Kia Motor Finance and my payment history attached for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a letter about this fraudulent account XXXX XXXX
Product: Payday loan, title loan, or personal loan

On Monday XX/XX/2022 I reached out to Mariner Finance to negotiate debt settlement and ask questions in regards to how I can better my credit score. When talking to the rep she was very aggressive and started blaming me for not paying my bill and then started to scold me on the very matter. I said hey looked I am XXXX and have reasonable justification to why I needed to negotiate the debt owed as well as negotiate negative annotations on my report. The rep then said 'oh just because you are XXXX that means you can not pay up '. This is a direct violation in accordance with the American with XXXX act and due the exacerbation and harassment on my condition by the company 's representative. I had to end the call abruptly because of the negative toxic treatment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear XXXX and Equifax , I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : * XXXX XXXX - XX/XX/year> - Equifax 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  - Equifax Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

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

XXXX Ive asked for a complete payment history. 

You havent provide me with a complete payment history but continue to report. Under section 623 you must provide me a complete payment history. This my 3rd and final warning asking for a complete payment history.
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 Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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: Credit reporting or other personal consumer reports

Consumer has requested several times for Experian to remove XXXX XXXX account from consumer report. They're in violation of FCRA, FDCPA, CCPA, IRS and ECOA. This account XXXX XXXX XXXX # XXXX is illegally listed on consumer report. This account is being reported with a balance as a closed charge off. According to the IRS Publication these cancelled debt is to be considered income. Experian continues to list this multiple time disputed account as a negative account reported as debt owed. The consumer must balance it's books with the IRS correctly by claiming this account as income but it is in conflict with how Experian is reporting my book keeping records. Income is not reported on consumer credit report, therefore this income considered account must be deleted immediately. CFPB must fulfill its duties and obligations by demanding the consumer reporting agencies not only investigate according to 15 USC 1681a ( e ) meaning of investigative report but also 15 U.S. Code 1681b - Permissible purposes of consumer reports-any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. CONSUMER DOES NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY DISPUTED, NEGATIVE, WRONGFUL, OR ILLEGAL INFORMATION. also Under 15 USC 1681a ( d ) 2 the term consumer report does not include anyreport containing information solely as to transactions or experiences between the consumer and the person making the report ; PLEASE REMOVE LATE PAYMENTS OR DELETE ACCOUNT. 
15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( b ) Accuracy of report 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. 
Under California Consumer Privacy Act- Consumer have the right to have Experian penalized {$2500.00} or {$7500.00} per violation.
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 Account Number : XXXX XXXX XXXXccount Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Heres the revised letter with the recent additions removed : -- - To whom it may concern : I am writing to bring to your attention a matter of significant concern regarding Portfolio Recovery Associates ( PRA ). On XX/XX/year>, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) ( Complaint ID : XXXX ) due to the persistent and unwarranted phone calls I have been receiving from PRA. These calls have occurred with such frequency that I felt harassed on a daily or near-daily basis. 

In addition to the excessive calls, I sought clarification on why PRA was contacting me, as there had been no prior communication from their side before these calls began. In my complaint to the CFPB, I included a formal Cease and Desist request under 15 USC 1692c ( c ), as well as a demand for Validation of Debt under 15 USC 1692g ( b ). Despite these legal obligations, PRA 's response did not adequately address my requests as required by law.

While PRA acknowledged receiving the Cease and Desist notice, they assured me they would cease all communications regarding the account. Unfortunately, this commitment has not been upheld, as evidenced by a recent notification of PRA 's insertion onto my consumer reports, indicating a violation of the Cease and Desist order by communicating with an unauthorized third party. 

I have enclosed a copy of my complaint for your reference, which details the ongoing issues with PRA and their failure to comply with legal obligations. This situation has caused significant distress and inconvenience, and I trust that your prompt attention to this matter will ensure swift resolution.
Product: Mortgage

I have been waiting 8 years for wells Fargo to make it right .And I am tired
Product: Credit card or prepaid card

In XX/XX/XXXX, I tried to update the account from which my auto-payments were being debited. The Wells Fargo online platform would not accept the change so I called in and gave the XXXX the routing and account numbers to my new bank account. On the same call, I asked that he close my credit card as I had no intention of using the credit anymore. He confirmed that my autopay was set up, my credit card account was closed and I didn't need to do anything further. Over the next XXXX months, WF reported my credit card as lost, opened at least XXXX additional account in my name, continued to auto-debit my " old '' account until the balance was drained to {$0.00}, refused to help me when I called customer service and crashed my near-perfect credit score for lack of payment, which they caused to be late. 
During that time, I opened at least XXXX cases with WF, XXXX with you ( CFPB ) and I've talked to XXXX lawyers who agree with my assessment that WF acted in bad faith ; however, I am still left without any help. And it feels supremely unfair to roll over and accept the demolition of my credit score because a corporation knew I had no way to protect myself. I understand that I am obligated to pay off my outstanding balance, but WF is also obligated to restore my credit score.

Please note that each time they sent me a letter saying the autopay was not set up correctly, I called in and WF was able to immediately debit the exact account which they claimed they could not access. 

If needed, I have all of the following documents : the confusing and contradictory letters sent by various business under the WF 's umbrella, my phone records showing how frequently I called WF and also that WF never reached out to me, my credit card statements showing that WF closed my account and opened a new account number, because they reported to themselves that my card was lost or stolen, at least XXXX times since XXXX as well as a few other little things, like a screen shot of me enrolling in their text notifications system, which also never once reached out to me.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items 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 are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX  XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I called into make my payments to Capital One on accounts ending in XXXX, XXXX, and XXXX. The agent who was taking a {$80.00} payment on account number XXXX, put in {$760.00} instead causing my bank account to be drained of all money and causing other items to bounce the account. After spending 3 hours on the phone with capital one and talking to 2 different Account managers all I received was " sorry, you will have to wait the 3-5 days for the bank to give you back the money. '' Meanwhile, they have left me with no money at all and my account now XXXX overdrawn for their mistake. Notes are all in the computer to what has happened. So, once again I ask for a credit increase. The accounts have been as follows : XXXX since XX/XX/XXXX,  XXXX since XX/XX/XXXX, and XXXX since XX/XX/XXXX with none of the accounts receiving credit increases. The account manager says, '' I do n't understand why you ca n't get a credit increase because I 'm looking at your pay history and you have excellent pay history with us. You even have paid everything off several times. '' But, unfortunately, I ca n't get you a credit increase until the accounts are current and that wo n't be until you get your money back from us and then there is no guarantee then that you will get the increase. ''
Product: Credit card or prepaid card

I have tried several times over the phone to close the Upgrade account # XXXX, card # XXXX, but they always tell me the XX/XX/XXXXthat it is closed because actually the above mentioned account stays active.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my name. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is still falsely reporting payments made in am attempt to extend the life the loan on XXXX credit report. They are rwpoetinf that a payment was made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act.
Product: Checking or savings account

I have a checking account with Capital One Bank. I went to access my account on Tuesday the XXXX of XX/XX/year> and I could not get access. I have two deposits that are direct deposited into my account every week. One on XXXX one on XXXX. Neither have been applied to my account. I contacted Capital One because I had not received any notification from them regarding the issue or if there was issues and they told me that they were having a problem with their third party vendor and that's why payments had not been applied. However, my account is frozen. I can't even access anything now. My account is overdrawn because of them not applying the payments. It's been 5 days and I still have not gotten any answers or when my funds will be released to me. The bank is closed XXXX due to a banker 's holiday. XXXX XXXX XXXX XXXX. I need answers and they won't give any. When I called them they hung up on me and they say that they have no resolution for it and they don't know what to do. They stole my money at this time because I don't have access to any of my accounts that I have a Capital One. I have no money to feed my family. I have no money to get my sick daughter medication and I don't even have money to put gas in my car to get to work this is unacceptable
Product: Money transfer, virtual currency, or money service

cash app has been taking my money since XXXX of XXXX  not refunding my monies after i had to dispute charges i didnt allow, Ive lost alot of money since to the amount of XXXX dollars. and they will not allow me to use my card unless im recieving money or transferring because they get paid to transfer so thats every time i use that service and disputes dont waste your time that is a JOKE with this company. i try not to use it because of the crooked way they handle their business but sometimes its neccasary. i only want what was mine back.
Product: Credit reporting or other personal consumer reports

I've found errors on my credit report under 15 USC 16c-2. These inquiries were not authorized, and they're impacting my credit. Please remove all unauthorized hard inquiries.