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

I have no other desideratums of nor for submitting to you nor any entity non-regulatorily mandated supplied personal identifier information. As such, I do not authorize you nor any entity to report ANY petitions versus me of which there is not required inclusion or is information not exactly and completely as I have above named is my non-disputed, factually valid correct and current personal identifier information mandatorily reported. Please ensure no other such information exists on my report. 

am writing to DISPUTE the following data that your company supplied to one or more Credit Bureaus.In this complaint, I have noted one or more issues I have concerns and questions about, justifiably, in relationship to one or more of its accuracy, completeness, timeliness, fairness, satisfactory adhering of Federal and state reporting laws and or competence in your compliant adhering to the mandatorily utilized credit reporting industrys principals namely the XXXX own XXXX XXXX Formatted reporting without deviation ( s ), errors, nor omissions ofconsanguineal abstracts that could or should else better ensure integrity of orders made versus me. I request and you are MANDATED BY LAW to investigate any and all matters I am contesting the data reporters privilege to report of which might have NOT been satisfied or suitably maintained. I further demand, and you are MANDATED BY LAW to comply with, that you present confirmable evidenceof any negativitys certifiably subservient reporting in regard to its undoubtable accuracy, completeness, timeliness, fairness, and integrity along with factual assurances that your practices procedures and processes are suitable and more than to confirm satisfying of the reporting privilege. COMPLIANT REPORTING IS NOT OPTIONAL, it is a MANDATED REQUISITE for ANY PARTY INVOLVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account that diversified consultant lists on my XXXX   account is inaccurate. After trying to reach out to them by sending a validation letter Diversified Consultant responded by sending a bill from XXXX never validating the accuracy of the account. I have never had a XXXX account and they are inaccurately placing information on my credit report that is harming my credit.
Product: Mortgage

My mortgage was sold from XXXX XXXX to Selene Finance and my automatic payments began coming back to me, in the form of a check payable to Selene Finance. These payments were paid biweekly and included more than the amount due. Never was I contacted via phone or email. Only the returned checks, which took weeks were my evidence that there was an issue. After 3 checks, {$2100.00} that was deducted from my account from a 3rd party Bill Pay system, I still owe the {$1400.00} mortgage payment. Trying to get in touch with Selene is harder than crossing the Southern border of the US. No less than 4 hours have been spent on hold or speaking with a representative with no solution. Late fees and extra interest plus a huge hit on our credit scores are a result of this companies terrible negligence in customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, XXXX and Transunion to REMOVED personal Information and unauthorized inquiries that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the fair credit report act, my rights are being violated and this is causing personal harm and defamation of my character
Product: Student loan

To Whom It May Concern, I have contacted Zuntafi which was previously called XXXX Student Loan Finance Company which was previously called Student Loan Finance Corporation to address the issues that have gone on with the college I attended named XXXX XXXX XXXX I have filled out a School Misconduct Form and have sent to their company, and they refuse to honor the School Misconduct form advising me that the loans serviced by their offices were not within the scope of any findings of fraud or deception identified by the US Department of Education. This I find strange because it was the school and the loan servicers who misled students getting the loans, and the loan companies have been acting like they didn't know of the fraudulent activities that were going on and have had the students paying back loans that should be forgiven and a portion of the loans should be refunded. These companies knew what was going on and have changed names and or passed the problems along to another company hoping that they would never be caught.
Product: Mortgage

I have reached out multiple times to start the process to sell my home. I am selling to another XXXX XXXX service member with his own VA entitlement. I emailed the assumption department on XX/XX/XXXX at XXXX. I followed this up with another email on XX/XX/XXXX at XXXX. I am unable to reach anyone via phone and have only been able to successfully utilize the chat feature once. It is my suspicion Mr. Cooper is treating this as an administrative clerical matter rather than an actual application. I would like to maintain the deadlines as outlined in VA Circular XXXX dated XX/XX/2023.
Product: Mortgage

The lender is NewRez LLC / operating under Shellpoint Mortgage Servicing. 
XXXX XXXX Amount due to me {$59.00} +/-. 
I refinanced the loan through another lender. The loan closed on XX/XX/XXXX. 
XXXX charged interest from XX/XX/XXXX through XX/XX/XXXX. 
XXXX charged for XXXX days on which it was not on the loan. 
I have written to them on XX/XX/XXXX and XX/XX/XXXX requesting and adjustment. Both times I got notification the request had been received and that they would respond within a few days but it has gone ignored. 
My accountant believes this might be a tactical move. The amount in question is under {$60.00} and they expect most people not to pursue it.
Product: Debt collection

I have a collection from XXXX XXXX XXXX for a lease with them, however I have never lived or sing a leasing contract with them they send the collection with Columbia Debt recovery agency wich I contact and said that they don't have anything in my SSN. I don't know if someone still my identity or it a error. But I would like to. Clear that collection from my credit report can cause further problems and need to solve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each complaint I make is resolved and other errors appear XXXX  said it completed its investigation of my complaint of XXXX XXXX XXXX XXXX account it said it did not have complete information I gave them a three-paragraph statement along with dates names and full information the Creditor isre reporting for example no payment received in XXXX or XXXX yet they take it directly from my bank account on auto pay I have advised the credit bureau of this they still reported that way I can prove it it comes out of my bank account automatically between the XXXX - XXXX of the month until paid in full 2017 the next payment will come out in XXXX 2017 the prior payments were XXXX between XXXX XXXX and XXXX and XXXX XXXX and XXXX both in 2017 they also report me as {$7.00} past due I am not past you they themselves take it from my account per our agreement my high credit limit is incorrect they do not report the {$300.00} original credit limit and the {$61.00} original purchase from XXXX XXXX XXXX XXXX they report credit limit of XXXX and a balance of XXXX this is incorrect the high balance ever was {$61.00} principal for jeans I purchased the remaining amount is fees and interest that I pay monthly from my bank account per oral agreement which was recorded by them I gave them XXXX XXXX XXXX XXXX account my routing and bank account number they take {$20.00} per month every month the balance is {$100.00} as of today 's date XXXX XXXX their last reporting was XXXX XXXX of incorrect information last payment received in XXXX not true it comes directly from my bank account they receive payments in XXXX and XXXX both in 2017 how does XXXX  see this as incomplete information? I am also not in right off as XXXX XXXX claims with XXXX XXXX because they take their money directly from me XXXX XXXX the original creditor they have been doing so since XXXX 2017 they made payment arrangements that were recorded by them with me XXXX XXXX 2017 they accepted {$61.00} for principal owed and agreed to waive the equal amount of {$61.00} in late fees and interest which they did it 's on my statement and their statement and then they agree to take my bank account number to automatically withdraw XXXX per month until interest and fees were paid off which they are doing yet XXXX days later they report me as a write off as they continue to take money from me this is XXXX XXXX  has not investigated this properly at all
Product: Credit reporting or other personal consumer reports

Attention General Counsel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Enclosed Consumer Demand For Arbitration XXXX XXXX XXXX XXXX issue regarding the handling of fraudulent XXXX XXXX XXXX : XXXX and inaccurate information on consumer credit report by Experian. 

In Connection With CFPB Complaint : XXXX + XXXX + XXXX Case XXXX XXXX. In addition to transmitting misleading, confusing, or inaccurate dispute codes to furnishers, Experian also fails to always include relevant consumer submitted documentation with the XXXX transmitted to the furnisher, despite XXXX policy requiring agents to do so. Relevant consumer documentation often contains information that is not conveyed elsewhere on the XXXX, including probative evidence that supports the merits of the consumers dispute. As a result, Experian fails to provide the furnisher with all relevant information about the consumers dispute and fails to fulfill its reasonable reinvestigation obligations. 


I Have Enclosed Exhibits On XXXX XXXX XXXXXX/XX/year>, at XXXX XXXX  XXXX, Experian initially removed the disputed account, which I had identified as fraudulent, from my credit report. However, on XX/XX/year>, after a XXXX XXXX had already been placed on my file, Experian inexplicably reinstated the fraudulent account.
Product: Bank account or service

TD bank would rearrange my transactions so they could charge me overdraft fees. I would have for example {$50.00} in the bank. I would spend XXXX on Thursday knowing I had a deposit going In the next morning. Get up the next morning get breakfast and spend XXXX. Much deposit goes in Friday morning and they would say I overdrafted. How Is it a overdraft when you have almost XXXX the bank. They have charged us thousands this year alone. How is this legal to take mine and my wives and my child 's savings as well?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 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 an account account without my written instructions under 15 USC 's 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank You
Product: Debt collection

I.C. System fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). XXXX is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to [ REPORTING AGENCYs ] Consumer Reporting Agencies by way of identity theft New York Penal Law 190.79 and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Mortgage

I filed, bankruptcy last XXXX XXXX to stop foreclosure on our, home for years we had tried to work with XXXX XXXX XXXX and got no help. Then we got an new lender Shellpoint got the same services no help, when you called you get all these reps who do n't speak XXXX and give wrong advice.So as years went on illness, divorce, and loss of business, and still no help from lender, when I filed bankruptcy I had no idea that the lender would work out a deal with the Trustee ( XXXX XXXX ) instead of working with the homeowner. The Trustee have not meet the contract agreement to sale the property by XXXX XXXX But the lender is still working with them. On XXXX XXXX XXXX the trustee went to court asking for the stay relief to be granted to give him rights to sell the entire house due to no equity is in the house. So it was granted and my mother 's bankruptcy was dismissed giving her power to control the sale of her home. Leaving our family to become homeless so trustee and his realtor will make a profit. Shellpoint has  failed to help my family. If you look on page 7 the Trustee admits that the lender is not willing to do a loan modification. But instead is willing to do ( XXXX XXXX ) I  hope this lender will never get a chance to do another family as they have done mines. Along with this complaint I have attached documents to support my complaint.
Product: Credit reporting or other personal consumer reports

I disputed this inaccurate incorrect accounts on XX/XX/2024, despite my efforts to get these violations corrected the companies has continue to disregard my complaints. According to the FCRA 15 USC 1681 E ( 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. These companies are in direct violation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the terms date, payment history, and date last reported is inaccurate. This ground for removal they also violated my rights under 15 U.S.C. 1681 section 602 A. Sates 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 also the credit bureaus took more than 30 Days to complete my investigation here is my certified tracking # XXXX XXXX XXXX XXXX XXXX XXXX, Tracking # XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

While I was prepping my personal taxes, I realized I have a 1099-INT for an account I don't recognize from BMO Bank NA . I never have opened an account with BMO, Harris, or Bank of the West - all affiliated with BMO. 

Background : In early XXXX, I was a victim of identity theft. The thieves tried to open bank accounts- not credit cards or loans- in my name ; between XXXX and I, we thought we stopped all of it. ( Prior had credit freezes, but since they weren't opening credit in my name, that did nothing. Added a freeze with XXXX- but that's optional for banks to check. 

As part of that, on XX/XX/XXXX, I had contacted XXXX as someone tried to open an account in my name. Their rep XXXX assured XXXX and I that no account was already shut down because the thief couldn't verify identity. 

XX/XX/XXXX - I called 7 different phone numbers- what was on the 1099-int after verifying it was legit ; fraud number listed on their website for the US ( but was for XXXX customers ) ; and numbers different CSR referred me to. After talking to 10 different CSR. No one could tell me if I had an account under my SSN, if this 1099-int was legit. They kept referring me to other departments ; non-working phone numbers ; and once even to a number that turned out to be a pet store in XXXX. Twice I was hung up on. 

Help!!
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Those accounts arent mine, Never authorized or used by me please Remove these Inquiries of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

I called XXXXXX/XX/XXXX and spoke to a representative at a call center. I explained my issue regarding my acct. I asked if they could consider removing a late payment from my acct. I have had my acct for 7 yrs and have only 1 late payment. I was in the middle of moving out of state at the time and I missed my due date. Once I realized I missed the due date I immediately contacted XXXXXX/XX/XXXX and brought my acct current. I set my acct on auto pay to insure i wouldn't have any problems in the future. I have not missed a payment since. This was a one time incident otherwise I have a perfect payment history. Unfortunately, regardless of my overwhelmingly perfect payment history none of that seems to matter because my credit score is is overshadowed by this 1 neg mark. Hurting my credit score and affecting me getting approved for housing. I've contacted and disputed it with all the credit bureaus and the credit card company. I don't know what else to do
Product: Debt collection

I received a letter from a collection agency on behalf of XXXX XXXX which is an electric supplier based out of Texas. Theyre claiming I owe them {$750.00}, however, I have never been enrolled with them or used their services. An account at XXXX XXXX ( an electric utility based in Texas ) was previously opened in my name as well. I had that issue resolved but clearly my SSN is being passed around down there. I spoke to XXXX and they advised me to open a report with you. The {$750.00} is lowering my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have reached out to XXXX, Equifax and XXXX  and these people are not doing any investigations whatsoever and we can no longer blame it on COVID.. I need my disputes investigated today because by law they have 30 days to investigate my negative items that I am disputing here ... Please delete. 

XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX- XXXX-Unverfiied Account XXXX  XXXX  XXXX-XXXX- Not my account XXXX XXXX XXXX-XXXX- Not my account XXXX XXXX  XXXX-XXXX- Unverified account XXXX XXXX XXXX- XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX  XXXX XXXX-XXXX-Unverified Account XXXX XXXX XXXX- XXXX-Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XX/XX/1980
Product: Prepaid card

On XX/XX/year> I redeemed XXXX XXXX XXXXXXXX XXXX gift cards for {$14.00} and {$75.00}, respectfully. I was able to redeem them easily. I later tried to use the XXXX XXXX  credit and got this error, " Error Your transaction can not be completed. To proceed, please submit the required documents by completing this form. We recommend you to not redeem anymore XXXX Gift Cards on this account until you receive a response from us for your submission ''. I submitted the required documents, which was proof of purchase. And they responded with, " Thank you for your patience while we reviewed your account. We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards. '' As a result I'm unable to use the XXXXXXXX XXXX credit. This means I have {$89.00} of XXXX XXXX credit on my account I can not use. I've contacted their customer support and they told me they would get back to me by email and never did.