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

I am also requesting a copy of my updated credit report. I have the right to contest any information on my credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards. For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, XXXX requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report.
Product: Mortgage

This is a complaint regarding an unethical mortgage SHELLPOINT MORTGAGE SERVICING. THE COMPANY HAS LIED AND FAILED TO OPT IN TO ACCEPT THE HELP OFFERED FROM KEEP MY HOME CALIF. the company shrllpoint single point of contact is a scam and fraud for 8 months he never returned any phone calls Everytime we call he has answering service never a live person we emailed and faxed the loan modification documents 17 times but shellpoint XXXX XXXX AND XXXX XXXX HAVE DONE NOTHING TO HELP no loan mod no principal reduction nothing. Once we were working with keep my home calif we informed the SHELLPOINT PHONE REPS AND EVENTUALLY ONXX/XX/XXXX we received the attached Notice of approval pending a loan modification from Shellpoint. Shellpoint point repeatedly lied stating they would wait and accept keep my home California program for principal reduction and loan mod but once the notice was issue shellpont has been u ethical when we call they lie and say they never heard from keep my home Calif at all. Now we know this is FALSE as SHELLPOINT INTENTIONALLY MAIKED A LETTER ON XX/XX/XXXX MAKING SURE IT WOULD NOT BE RECEIVED UNTIL XX/XX/XXXX AFTER THE XXXX XXXX XXXX AND THE LETTER BULLY THREATEN US TO MAKE 3 TRIAL PAYMENTS OF {$2400.00} a month when our income is only {$500.00} a week. The payments are NOT Affordable AND THE LETTER SAYS WE HAVE TP MAKE A Down Payment BY XX/XX/XXXX OF {$2400.00} or SHELLPOINT WILL FORECLOSE. XXXX XXXX AND XXXX XXXX HAVE NO ETHICS AND NO MORALS. THEY HAVE FAILED TO ACCEPT THE KEEP MY HOME CALIF PROGRAM TO BRING OUR UNDERWATER UPSIDE DOWN MORTGAGE CURRENT. They DO NOT TRY TO HELP HOMEOWNERS. SHELLPOINT IS ENGAGED IN Unethical ACTIVITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA has a charge off on my credit for the amount of {$21000.00}. My car was totaled and they received an insurance payoff of {$21000.00} they received a payment of XX/XX/XXXX maintenance refund of XXXX and XXXX refund XXXX and Gap payment XX/XX/XXXX {$5900.00} Insurance company payment {$13000.00} received on XX/XX/XXXX. Payments received are for a total of XXXX. The charge off amount should be XXXX. The charge off amount of {$21000.00} should be {$6700.00}. I have called the institution and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report and Bureaus Letter last XX/XX/XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX  ; T XXXX XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX .... XXXX : {$640.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$730.00} ; XXXX XXXX XXXX XXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : -XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXXXXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

In XXXX of XXXX, I had a home security system installed and it was financed through Fortiva Retail Credit. Attached is the cardholder agreement. It states the ARP is 0.00 %. I set up automatic payments and had no issues with this account. Recently, I saw on my credit report that XXXX XXXX my credit and opened a NEW account for a XXXX Credit Card XXXX This week I received a Fortiva Credit Card. The credit card has an APR of 28.99 %. Fortiva Retail Credit transferred my balanced to Fortiva Credit Card. Fortiva Credit Card ran my credit report and opened a new account without my permission. This caused my credit score to go from XXXX ( on XX/XX/XXXX ) to XXXX ( on XX/XX/XXXX ). Attached is my credit score information.
Product: Checking or savings account

I have XXXX for a dispute as my last dispute for this company XXXX. I was having a last transaction in my account left from a company XXXX owed to me.but my account was closed. So when they attemtped to return it it went to card ending in XXXX it my closed acct so I never got it. The acct it was attached to was put on Hold awhile ago. Thus I never got it by that I mean my account w the company in question squatetrade had out my acct on hold since XXXX and I couldn't get my XXXX money funds or an even have them returned from XXXX because my account on hold meant I has no say in what happened with anything including even If I wanted my own deductible back. That In question caused the whole situation to become lateness and what it is now. Which is when in XXXX they finally took the hold off and after confirming they would release they said to my bank. Of course from XXXX to XXXX my acct was closed .thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00} DEPT OF EDXXXX XXXX Balance : - Tied up DEPT OF EDXXXX XXXX Balance : - Tied up XXXX XXXX XXXX XXXX XXXX Balance : {$28000.00}
Product: Debt collection

In XX/XX/XXXX the FDIC gave power of attorney through XX/XX/XXXX. I have three years that I continue to dispute this debt. I want the CFPB to follow up that this is addressed immediately. 
I dont want a letter I want them to return the money I DID NOT OWE that was taken from the proceeds of my sale Of my HOUSE. I PAID the {$250000.00} to Wells Fargo, XXXX and XXXX. Wells Fargo foreclosed on my property for a {$53000.00} balance I paid to XXXX and XXXX paid off a XXXX XXXX XXXX  released in XXXX! {$20000.00} was included in the Wells Fargo loan. Plus I DID NOT OWE {$33000.00} for the sellers loan I paid off in XXXX. I DO NOT OWE {$21000.00} interest the seller paid before I assumed the loan in XXXX the fraudulent {$67000.00} interest only loan fails to count only {$62000.00} was due and no interest was due after I made a final payment of {$1600.00} 15 months prior to the final 360 months of the loan. MY HOUSE Select portfolio servicing submitted and collected a {$250000.00} payoff from the sale of my house. This was subject to verification. I received only the {$83000.00} I had OVERPAID to my escrow account. ( RESPA VIOLATION ). -it was MY MONEY- at closing I was forced to take the remaining of {$200000.00} cash I needed to close from my XXXX XXXX XXXX account.. I left my closing twice and ultimately signed with threat of lawsuits from everyone involved in the sale. XXXX XXXX. When I turned XXXX I would have used my retirement account to set up an annuity I would have had the rest of my life. Instead I have credit card debt I pay from {$900.00} social security. We also have used income to pay back a {$75000.00} mortgage we had to take out against the house without the {$200000.00} we should have in checking account from the proceeds. And all the payments we WOULDNT owe if we had gotten our proceeds.Wwithout money we have made only the essential improvements on the fixer upper we bought money from the mortgage we had to take out to do so. 
- we took {$200000.00} to closing. - we left with {$0.00}. We did not owe {$250000.00} collected at closing. - we paid back {$78000.00} from {$82000.00} line of credit twice. The debt was included in the loan. The interest only was also included in the loan. The country wide first mortgage was paid back but released twice according to tax records. The XXXX  XXXX XXXX was also paid back for the original first mortgage from XXXX. 
The second mortgage was released and paid off by a XXXX loan I paid off in the XXXX XXXX XXXX. Unsecured debt included in bankruptcy included {$44000.00} paid off by the line of credit and the XXXX XXXX  I paid off in XXXX. I believe it also includes {$20000.00} included in the Wells Fargo loan on my duplex that was included in the foreclosure. the foreclosure balance does NOT include payments made to the XXXX mortgage included in the XXXX XXXX which neither were EVER entitled.
Product: Mortgage

I applied for a refi in XX/XX/XXXX and was scheduled to sign closing docs on XXXX. However, minutes before the notary service was to arrive they sent a text saying the signing was canceled and the lender would contact me. They didn't but I called them and was told they need to verify my XXXX tax returns transcripts but XXXX  system wasn't allow them access due to Corona Virus issues so they told me I had to get them myself. I tried 3x but it wasn't available to me either online. I provided the lender XXXX XXXX proof of filing online 2x. After requesting a manager and calling them several times my rep XXXX said they still had to wait for the transcripts. So far they have not return my calls and loan still not closed.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I LOOK ON MY CREDIT REPORT AND NOTICED THESE FRAUDULENT ACCOUNTS WHICH XXXX AND EQUIFAX ALONG WITH XXXX XXXX  XXXX KEEP REINSERTING WITHOUT NOTICE WHICH IS A VIOLATION AND I DEMAND PROOF THIS FRAUDULENT ACCOUNT SHOULD BE RE-INSERTED.
Product: Credit reporting

Our car was totalled after we were hit by another driver. NOT Our Fault We Were NOT Cited. 
XXXX ( Our Auto Insurance ) Suppose to Pay off Vehicle. 
Vehicle is a XXXX Hyundai Elantra. Accident Happened in XX/XX/XXXX. 

TODAY is XX/XX/XXXX. OVER Six Months Later, Car Loan Still Not Paid.
Product: Money transfer, virtual currency, or money service

Transaction History IN Crypto.com Frozen my funds customer support did not RECOVERY MY FUNDS XXXXXXXX  XXXX/XXXX/XXXX  at XXXX XXXX XXXX  COMPLETED XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE ASK CRYPTO.COM TO RETURN MY BACK PLEASE HELP ADDRESS crypto.com Crypto.com XXXX XXXX XXXX, XXXX  XXXX, XXXX, Florida XXXX | contact XXXX crypto.com | XXXX My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ma,XXXX  please help ask my money back {$110000.00} will up or down market rate date XX/XX/2024
Product: Mortgage

I applied for a re-fi on my home and was rejected. In the rejection notice it was stated that a written reason for the rejection would follow but I never received one. I contacted the company several times and they refused to give me the information on the rejection -- - they have stopped responding to me. The company name is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, AZ XXXX. XXXX
Product: Credit reporting or other personal consumer reports

This company violated fair reporting act of 15 US C 1681 government access to consumer reports records and promoted accuracy, fairness and privacy of personal information. They have violated that because I never gave them permission to pull my credit report and then the information that they're providing even the report from you that they sent back to your company is fraud documentation I've been a victim of identity, theft and data breaches so everything in that XXXX  page report is fraudulent. It's fraud it's not accurate.
Product: Credit card

I am behind on my Care Credit Synchrony Bank payments, I have explained this to representatives of the Bank by phone and also by e-mail last week that I and my wife are both Senior Citizens and both on Social Security and a fixed income. I had the company take {$230.00} from our checking account on XXXX XXXX, 2016, and told them I would send more money at the end of the month, when we have additional checks coming. But this was not enough, they are threatening to send the account to a collection agency and they call and leave messages several times a day. I am XXXX years old, and this is very upsetting, but it does not seem to matter to these people. They have a couple of addresses, XXXX is Synchrony Bank, XXXX XXXX XXXX, XXXX, Florida, XXXX, and another XXXX is somewhere in Utah, where the phone calls come from. Thank You, XXXX XXXX. XXXX, XXXX, Pa.
Product: Bank account or service

Regions Bank had a public link that stated that by opening a XXXX XXXX Account and making a minimum number of debit transactions there would be a {$400.00} bonus. I submitted my application for this checking about along with the promotional code. My application was accepted, I funded my account, and ordered my debit card. It was only afterwards when corresponding with Regions customer service did I find out the offer had expired. It is not the premature expiration of this offer which concerns me ( the public offer had language that this public promotional code was good until XXXX/XXXX/2017 ), but the fact that at no point during the sign-up process did anything indicate that this offer was no longer valid. This is clearly a bait and switch, to the detriment of me being able to take advantage of other offers with them or other banks.
Product: Debt collection

Subject : Complaint Against Prestige Financial for Unfair Debt Collection Practices and Reinstatement of Judgment Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Prestige Financial regarding their aggressive and unjust debt collection practices concerning a car loan I obtained in 2014. I just received new court documents stating Prestige is once again trying to reinstate a judgement stating I still owe just over {$27000.00}.

Below are the details of my case : In 2014, I purchased a vehicle for roughly {$27000.00} and financed it through Prestige Financial with an interest rate of 19.99 % .2 years later, due to unforeseen circumstances, I lost my job, and the car was eventually repossessed. I paid on the car for 2 years up to that point.

Prestige Financial sold the car for roughly {$9000.00}, which is significantly less than what I owed. I started a payment plan and began paying back my debt, but despite this, Prestige Financial continued to garnish my wages, even after I had entered into the payment plan. This wage garnishment created financial hardship and made it increasingly difficult for me to afford my basic living expenses, including rent and bills.

In order to avoid the garnishments, I was forced to leave my W2 job and take a commission-based position to make ends meet. However, even after doing this, I had to go back to the same company where I was W2 as commission is so un predictable. I continued to face garnishments from Prestige Financial, which led to me leaving that job as well.

I made every attempt to honor my debt, and I kept working to pay off what I owed, but now, 11 years after the original loan, I have received court documents requesting the reinstatement of a judgment for the same debt. To date, Prestige has received nearly {$50000.00} for a vehicle that was originally purchased for {$27000.00}. Despite my efforts to negotiate with Prestige Financial, they have continued to insist that since I signed the contract at the 19.99 % interest rate, they are legally entitled to continue collecting payments from me.

This situation has severely impacted my ability to secure fair financing for future vehicle purchases and has caused undue hardship in my life. I have attempted to negotiate with Prestige Financial multiple times, but they refuse to offer any reasonable solutions, and I am being penalized for circumstances beyond my control.

I am requesting your help in investigating these practices, as they seem to be in violation of fair debt collection laws, and I am seeking a resolution that will stop these unjust actions and help me regain financial stability.

Thank you for your time and attention to this matter. I trust that the Consumer Financial Protection Bureau will assist in holding Prestige Financial accountable for their actions. 

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

Im reaching out because there are still items on my credit that are still mind. I have reached out to the FTC and my local police department and I am doing this on my own behalf and Its crazy because I cant even help my mom get a car because of this. Please can someone help me with these things XXXX XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX XXXX Acct XXXX, XXXX, XXXX Acct XXXX and XXXX XXXX XXXX Acct XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference Number XXXX Date Filed XXXX. XXXX, 2016 Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual I did not file this bankruptcy. I have never lived at the address attached to the bankruptcy and the DOB is incorrect. Ive asked over five times in writing to be PROVIDED PROOF OF VALIDATION and and yet to receive it. However this is illegally reporting hurting my overall credit score
Product: Credit card or prepaid card

I closed my credit card account on XX/XX/2021, by phone. This was after I had a company remove their auto-charge as I was no longer doing business with them. The next statement had the charge and the credit plus a {$25.00} late fee. As I knew the charge was being reversed, I called the bank and closed the account, by phone on XXXX XXXX. When I closed it I told the man with whom I spoke not to put through any more auto-payments as I had been using the card as an 'emergency only ' card. He agreed to do that, and removed the {$25.00} charge. No mention was made of possible existing charges or late fees showing up at a later date, when he closed my account. I told him I didn't want to keep the card open even though Citi owed me over {$19.00} in rewards. How is a bank able to make charges on a closed account without notify the customer before the bill arrives? The bank continued to send me late fees on my closed account, which should have been at a XXXX  balance on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been inaccurate late payment reporting to the credit bureaus XXXX, Equifax, XXXX .The account number from XXXX is # XXXX. I have sent proof of payment made from my checking account for the months inaccurately reported and still as of now they are still on my credit XXXX. The following months are the issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, ... .i have also mailed to CFPB the copy of both the initial complaint made to all three bureaus and also the 30 day demand letter to comply. As of today XX/XX/XXXX no correspondence or anything has been done .Please help me with this matter for this has caused a serious issue with my financial being to improve.