23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Subject : Incorrect Late Payment on Mortgage Account Request for Removal Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an incorrect late payment mark that has been reported on my mortgage account with NEWREZ LLC DBA SHELLPOINT. Below are the details of my account : Creditor Name : NEWREZ LLC DBA SHELLPOINT Account Type : Mortgage Account Details : Conventional real estate mortgage Bureau Code : Individual Account Status : Open Monthly Payment : {$1600.00} Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$190000.00} Late Payment Reported : XX/XX/XXXX Reported on : XXXX ( XXXX ) and XXXX XXXX XXXX ) only This late payment is completely inaccurate, as I have always made my mortgage payments on time and in full. I dispute the validity of this negative reporting and request a thorough investigation into this matter. 

Since my account history does not reflect any missed or late payments, I demand that this incorrect late payment mark be removed from my credit report with XXXX and XXXX immediately.
Product: Credit reporting or other personal consumer reports

inquiries doesn't belong to me and needs to be removed Tranunion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Experian 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is showing as opened in XX/XX/2016. I have not had an account with the original creditor for over 10 years, should no longer be on my credit report. 
Amount owed is inaccurate, have never had such a balance with original creditor.
Product: Debt collection

Someone has used my identity with my social security in Georgia. The next thing I receive a XXXX account owing monetary. I never had an account with cable company. The credit wise had given me a name and information on person whos using my social security. I have never resided in Georgia and I never opened a XXXX account the original owners. The account was sold to a XXXX XXXX XXXX.
Product: Debt collection

Credit acceptance account was closed all of a sudden it is open back and said I owe XXXX now but a year ago they said it was closed and I owe XXXX now I know for sure I dont how them any money and I'm not sure how it was open back up and it also say someone is making payments on it and it wasn't me.
Product: Credit reporting or other personal consumer reports

I hereby formally dispute any unsubstantiated information on my credit report, in compliance with the FCRA and XXXX XXXX standards. Allegations must be supported by factual evidence, aligning with federal and state regulations. Please ensure accuracy in your reporting, as mandated by the XXXX XXXX standard. I kindly request tangible evidence confirming the account 's existence and its permissible use. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX XXXXXXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX  XXXX - XXXX
Product: Checking or savings account

Bank of America has allowed a person who is not listed on the account to cash checks and do a large number of XXXX transfers against my account. I am not in the habit of checking my account for the balance because I was under the impression that I always had funds available because I never had done any major withdrawals against my account. I am now going through a divorce and all financial records must be produced for the courts and it has come to light that my wife had been FORGING my name to checks and also doing XXXX transfers without my consent or knowledge. The Bank NEVER called me about any of the activity that was going on with the account and is refusing to help or prosecute the person who did this even though the XXXX District attorney 's office is looking into the ILLEGAL activity of the person who has done this to my account.
Product: Mortgage

My name is XXXX XXXX XXXX XXXX and I have a loan with SERVICE FINANCE COMPAN with the account number XXXX and I noticed the inaccuracies and error displaying on this account. The payment history is not making any sense. The 120 days late which was tagged in different months was a question for me since I was never notified nor informed of the said issue. Thus, I have been asking for any proof that can be used for me to validate the result of their investigation.
Product: Debt collection

Portfolio Recovery - XXXX XXXX Credit Card - Outstanding Balance : {$700.00} This debt is close to 10 years old. I have been informed I can not be sued for the debt, and I informed them that I am unemployed, and was just in a very serious car accident. Their response is 'we will continue to call. ' I asked them on several occasions to please stop, as it is not a financial obligation that I can take care of at this moment, and I unfortunately do not have a timeline to fix this nearly decade old debt. 

I asked them politely each time, explained my personal situation ( which I don't feel comfortable explaining to a complete stranger ) and said that at this point, it is harassment. These conversations are all recorded on their line. 

Now they are calling me from forwarded phone numbers, so I am unable to call back directly each time - and this is a tactic to make me think it is someone in my area code. Very shady, and I would really appreciate if they would stop with the harassment.
Product: Money transfer, virtual currency, or money service

I needed to transfer money from my Marcus savings account to another account I own at different institution so I could request a cashiers check for a new car. My external account was already linked and verified to Marcus, and I have completed other transfers to this account from Marcus in the past. I called Marcus around XXXX ( XXXX ) on Friday, XX/XX/23. The representative took my instructions over the phone and submitted the request. Later that afternoon, the money had not arrived, so I called again just before XXXX ( XXXX ). The representative saw the request, but told me it was under review. She would not provide any additional information or identify any particular point of concern. 

From Marcuss customer FAQs posted on the website : Your money should arrive the same business day if the transaction is requested before XXXX XXXX XXXX. If there's an issue verifying an account or with a PIN verification, it could take between 1 and 3 business days for your funds to arrive in the external account. 

On Monday morning, XX/XX/23, the funds had still not arrived. I called Marcus again around XXXX ( XXXX ). I spoke to the representative, and she transferred me to her supervisor. Then the supervisor sent me to the Fraud Department. I learned there were two stages of reviews, and the first round was completed on Monday with no issues identified. And the second review was being expedited ( to be completed within 3 hours ). But there was still no information on why the first review was not completed on the same day that I submitted the instructions ( Friday ). As best I can tell, I submitted my wire instructions well in advance of the
same-day cutoff, and Marcus took no further action that day. Is the review team not equipped to handle the volume of daily requests? Or did Marcus decide to intentionally sit on the request to avoid having to disburse the funds ( and continue to receive a few days interest on the funds I needed access to )? 

This whole experience has been incredibly disappointing. I was unable to pick up the car I was scheduled to purchase. Why is Marcus making it so difficult to access my own funds??
Product: Credit card or prepaid card

On XX/XX/XXXX My personal account was canceled by the American Express with a {$2500.00} minimum payment due. 
Since XX/XX/XXXX American Express has charged me {$110.00} dlls with different names of commissions in a 2 month period. 
On XX/XX/XXXX I called the customer call center to cancel my personal account and confirm the amount I had to pay. They confirmed me the amount was {$2400.00}. 
On XX/XX/XXXX, the same day I paid the total amount by bank transfer {$2400.00} after that I received an XXXX mail about the cancelation of my account. 
On XX/XX/XXXX, a month later of my request of the cancellation. I received an e mail about an amount pending in my account of {$3.00} as an interest charge. 

From my understanding the amount of {$3.00} is illegal interest ( usurious ) because since XX/XX/XXXX I owed the Bank {$0.00} dollars, and they did not cancel my credit card on time as I requested or calculated such amount in the figure they provided me to cancel my account. 
I request such authority to review the process the bank have when a customer ask for a cancellation of a credit bank in American Express. Because from my perspective these activities affect the customers in the following manners : 1 ) The Bank is using its services for personal gain, avoiding the cancellation of a credit card at the time the customer is asking.

2 ) The customer may loss a good amount of money in the case of a major amount owed and maintain the account open without the customer notice.

3 ) The Bank should implement better security measures and quick process at this kind of requests giving the customer an accurate figure to cancel.
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud the gaining access to my personal information is unknown by me and need this matter resolved and future prevented
Product: Debt collection

Johnson mark LLC law firm Got charges and charges were from a credit card in another state. We worked for XXXX and XXXX XXXX in Texas from XXXX to XX/XX/XXXX, left in XXXX of XXXX. 
They had my social security info when i signed up for the employment sheets Then i see this in collection and credit card charges to places in Texas. 
Charges for gas shopping and XXXX from XX/XX/XXXX to XX/XX/XXXX This is fraud and the only people who had knowledge of me and my ex husband, husband at the time, XXXX was XXXX XXXX XXXX and XXXX XXXX who owned XXXX XXXX XXXX  at the time.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, 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. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Credit card

I applied for the Bilt Rewards credit card from Wells Fargo on Friday morning, XX/XX/XXXX. I had previously received an e-mail about the card and decided to apply. I currently have a checking account, savings account, and credit card account with Wells Fargo. My 100 % veterans ' XXXX and XXXX XXXX  XXXX are direct-deposited into my Wells Fargo checking account. On my bank profile is my mobile phone number. 

That evening, I received a call from Wells Fargo requesting to verify my identity. I answered several questions. When the caller attempted to verify me via a text message, the system wouldn't let her do it. She told me to go into a branch. This seems like a silly request. A few months ago, when I did a product change on my existing credit card, there was no need to walk into a branch. Wells Fargo should fix the system limitation that is preventing the bank from texting me, instead of inconveniencing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis did an unlawful excuse that they can not verify my information, but the report that I received by mail shows that Lexis Nexis didn't remove my negative reports which are being reported/shared without my consent. 

Violation : 1. 15 U.S. Code 1692d ( 1 ) - destroying my reputation 2. 18 U.S. Code 112 - attacking my liberty ( freedom ) as a XXXX national of the XXXX protected person by limiting my access to everything such as credit cards, loans, insurance, and etc because of unlawful negative reports 3. 15 U.S. Code 1692a- pretending to be a bureau. Demanding Cease and Desist to Lexis Nexis Corporation as soon as possible due to unlawful practice 4. 15 U.S. Code 1681b ( 2 ) - no consent to report and share information 5. 15 U.S. Code 1681- Fair and Accurate Report XXXX. XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX XXXX XXXX ) - failed to conduct investigation or correct erroneous credit entries
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
Account name : # XXXX XXXX XXXX # XXXX, XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 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 XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX XXXX 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: Debt collection

There is information thats on my consumer report that is a result of identity theft. The identified transaction is not information related to any transaction by me as the consumer. 
I am requesting that the reporting of this information be blocked and deleted. 
I have Filed a report with FTC, dispute with Experian. Supporting documents were sent to Experian on XX/XX/2024. Experian has not blocked or deleted the fraudulent account they are required to block the transaction from being reported to my consumer report within 4 days from the date of the receipt from the notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I request XXXX XXXX to update their records correctly on all three of my credit reports. They refused due to not being able to verify my identification. 

XXXX XXXX is ordered to remove all incorrect information documented in this report. If it is not removed within 14 business days of this complaint court actions will be taken : 1. Dismissed Bankruptcy XXXX XXXX. Duplicated Bankruptcy XXXX ( Dismissed Bankruptcy ) 3. XXXX XXXX, XXXX, XXXX 4. XXXX credit card XXXX charge off 5XXXX XXXX XXXX XXXX XXXX XXXX They are reporting XXXX  of XXXX I have not taken out any credit with this company. It is a collection agency. 

Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( FRAUD ) All outdated information is 7 years and 10 years old. The Fair Reporting Agency does not allow information on the credit report which is not verifiable, which is not reported correctly, and which does not belong to me. 
All information documented on my credit report which is a collection agency violates my privacy according to the Fair credit reporting agency.
Product: Checking or savings account

I got my stimulus checks from the irs XX/XX/2021 and also XX/XX/XXXX but this was after my band new XXXX XXXX XXXX XXXX XXXX  i just got/phone, was stolen, some how the thiefs managed to get into my phone ppl I thought I knew but didn't that had invited me to XXXX XXXX XXXX here in XXXX XXXX where I live, anyway I even told security at the casino my phone got stolen but they couldn't do anything about it at the time because the ppl had already left after I accidentally left my phone in there car which I never got back but yeah I even told my mom to tell chime when I finally managed to get in contact using a public phone, I knew they were gon na attack my bank account something told me, but I called chime also told them to lock my account and they just sent me a new card and idk y, but the thiefs ended managing to steal my XXXX checks the most money I've ever had in my life at once and I told chime but they dismissed it because the person that took my phone lived in my area which they did at the time we lived in XXXX XXXX XXXX, but this person was not my roommate I still know they're name but I even gave chime alot of evidence supporting my case and an screen shot from fb of the thiefs admitting they stole from me which is a document chime has not giving back to me from my request of all my documents from them in my disputes ... pls I just want my money back pls help they used my phone to send themselves money somehow idk how
Product: Prepaid card

Was told gift card was put on hold called multiple times and each time they told me it would be fixed in 48 hours but it is still on hold.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX has called multiple In Laws of mine multiple times and disclosing my personal information such as amount owed, etc. The last phone call they made was XX/XX/2018 to my husband in which he was given personal information.
Product: Mortgage

Attempted to do a loan modification with Shellpoint. Submitted multiple sets of documentation over the last 6 months with absolutely no phone contact with them. They just turned me down claiming I do n't qualify for a mortgage reduction. Homes directly across street sold recently at XXXX. I do not accept their decision. Especially since they operate so shady.
Product: Debt collection

I consumer XXXX XXXX recently reviewed a copy of my credit report and I understand that ARS is violating my rights as a consumer. I didn't give ARS permission to have my personal information. This is a medical debt I have a right to privacy and that is being violated. ARS knows why and when this transaction could have happened. I am not going to continue to have my rights violated, my character defamed, and/or my privacy not being respected. You can have this debt but you should not have my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX XXXX, account number XXXX, which has been charge off account. 

I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA.

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts.

Cease any collection activity related to these accounts until the issues have been resolved.

Provide me with any documentation that supports your position on these accounts.

Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues.

I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law.

Thank you for your attention to this matter. 

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

I am a XXXX Veteran who was awarded A permanent and Total Discharged. XXXX needs to update my student loans account accurately
Product: Debt collection

XXXX XXXX XXXX of XXXX XXXX billed for a medical procedure on my daughter. The billing statement is XXXX/XXXX/2015. I wrote aa check to pay the bill on XXXX/XXXX/2015. The Doctor 's office did not process the check ( through my bank ) until XXXX/XXXX/2015. On XXXX/XXXX/2015 I was contact via mail by Transworld Systems stating that they were attempting to collect a debt for the doctors office. On XXXX/XXXX/2015 I contacted the doctors office ( XXXX of XXXX XXXX ) they stated our account was out of debt collection and they mailed a statement which shows the debt was paid. I mailed all records to Transworld Systems on XXXX/XXXX/2015 showing the debt was paid. 

We received another letter dated XXXX/XXXX/2015 from Transworld Systems on another attempt to collect the debt that was not owed and has already been paid off. Transworld Systems says our account is not in collections, but they have sent letters still wanting us to pay them. They have also made attempts to get our phone number, I can only assume this would be used for further harrassement. 

I certainly do not recommend XXXX XXXX or XXXX XXXX with several locations in Texas as they held our payment, it seems intentionally, to put us into a debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB!! Please forward the following documents to Midland Funding. I'm also including XXXX, since it is the only credit bureau that shows account. Thanks!