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

Fraudulent accounts that are not mines : XXXX XXXXXXXX Opened XX/XX/XXXX {$510.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX, XXXX. 
Opened XXXX XXXX, XXXX {$430.00} XXXX Opened XX/XX/XXXX {$1300.00} My information may have been impacted by the Pandemic, Equifax, XXXX and XXXX XXXX XXXX and may have got into the hands of the wrong person Under XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Ive asked the following questions to these companies and they have not responded with any accurate info my information was abused through the on going years and I want my life back Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. Copies of any signed agreements or contracts pertaining to the debt. Evidence your company has legal standings of debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer.

15 U.S.C. 1681i This section of the code covers the procedure for handling disputed accuracy. It requires that agencies provide consumers with a description of the process used to determine the accuracy of information, and that consumers have the right to add a statement to their file disputing the accuracy of the information.

When a consumer disputes inaccurate information, the credit reporting company must investigate the information, and stop reporting it if it can not be verified. The company must also provide a notice to the consumer, and give them the option to add a statement to their file. 

The hardship my life had gone due to these fraudulent accounts is unbelievable I have suffered to due the negligence of the credit bureaus I ask for proof of your investigations and all Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX
Product: Mortgage

I have filed numerous complaints on all parties involved in this matter.. The last phone conversation with executive specialist at XXXX XXXX yesterday XX/XX/26. they stated that XXXX  HAS TO GIVE XXXX XXXX written consent to ask XXXX to return the funds.. My mom has been helping me with all of this because I am not readily available to answer my phone, I am a school XXXX Her and I and XXXX XXXX  were on the phone yesterday. The funds ARE sitting at XXXX XXXX  to return to XXXX XXXX when ask the contact at XXXX XXXX  is XXXX XXXX XXXX. But XXXX XXXX  will not call XXXX XXXX  because XXXX XXXX  as not given them consent to do so.. I will attached all documents from all parties that have been involved and would so very much appreciate a resolution this has been going on since XX/XX/XXXX ... going on 7 months now and that is not counting from the date the check was sent.. 

To sum up this issue XXXX sent a check written off a XXXX XXXX account and XXXX is holding the funds that a perpetrator tried to steal. And XXXX can not do anything with said funds until someone from XXXX XXXX calls them and XXXX XXXX will not until XXXX tells them too.. this is all getting so RIDICULOUS ... 

I have complied with all companies involved. All info from all companies will be attached and I will file against all of them again!!! Because they seem to be doing nothing except XXXX
Product: Checking or savings account

For the last 2 to 3 months, I have been requesting a physical card from my bank, Chime. I receive my direct deposits from my work to this account and need access to my funds to pay bills and make bank transfers. Unfortunately, the bank does not allow you to make instant transfers over {$2000.00} without activating a physical card. I have now placed XXXX orders for a physical card over the course of 3 months and not one has been delivered to me. I have spoken with customer service 3 times, the most recent being XX/XX/XXXX. I was advised a week and a half ago that if my last ordered card was not received by XX/XX/XXXX, they could send me a new one with express shipping. However, when I called today after not receiving my card, AGAIN, I was told that they could not mail it express and that I would have to wait 14 days. This is absurd and unprofessional as I have already been waiting months for a card and can not use my account and my funds as necessary. I have to pay rent on XX/XX/XXXX and have no way of doing so without full and complete access to my account. In addition, most of the customer service representatives I have spoken to are not knowledgeable and are rude and condescending.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reported is inaccurate. It is hurting my credit and in turn, hurting my lifestyle. Please get the following hard inquires removed. 

XXXX XXXX inquiry date : XXXX phone : XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX? XXXX XXXX XXXX Inquiry date Phone : XXXX
Product: Mortgage

Shellpoint Mortgage has not recognized our payments and continues to lack in response to effectively resolve our confirmed payments by XXXX XXXX. Loan recently sold to XXXX XXXX, with a forward of the outstanding payments, that were made in full and on time. XXXX has started a foreclosure process. We have full documentation and confirmation of all payment completed and cashed. We are in full support of moving forward with litigation against Shellpoint, XXXX XXXX CEO Shellpoint and team. This is completely unacceptable. STAY AWAY from Shellpoint!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX Inquired on XXXX XXXX, XXXX  XXXX  Inquired on XXXX XXXX, XXXX  XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 
Inquiries XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute through XXXX XXXX on XX/XX/22 and haven't received an update. Called Equafax and was informed they haven't received a reply. I asked for them to remove the collection from my credit because it's been past the 30 days. The customer service rep kept asking if I wanted to submit another dispute, but wouldn't remove the collection from my report. It's been over the 30 days and they haven't replied.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was filed on XX/XX/2018 with Experian ( XXXX ), XXXX XXXX, XXXX TX XXXX, that I did not receive a response to in the 30 day time frame. They were requested to remove the Item on XX/XX/2018. This letter was sent certified and signed by one of their employees. Based on the FRCA laws they have broken this law several times and continue to do so. They have not removed this item and it remains on my credit report. They have lied to me telling me that they verified items that are reporting on the credit report. They have also not provided any proof pertaining to this account that this information is valid and true. After my own investigation to the agency that has been reporting this item to my credit report. I was informed that they are not able to report or speak with the credit bureau on my behalf based upon the status that I currently have with them. I was informed that the credit bureau must have myself on the phone or have a letter directing the lender to submit such information to them which I have not give the credit bureau or completed with the credit bureau. I am hear by demanding that this item be removed from my credit report since they do not want to take the appropriate steps in correcting the accuracy of the report and contacting the reporting agency.
Product: Credit card or prepaid card

In XX/XX/2019 CitiCard sent me a new card--I did not ask for a new card.  The new card was never activated.  Nevertheless, my Costco membership in the amount of $XXXX was charged to the card.  As I did know the card existed and it had not been activated, I did not see the bills or pay for the unauthorized charge.  Eventually I started getting collection calls from CitiCard.  So, I paid for the membership, $XXXX, in XX/XX/2019 and asked that under these circumstances late fees and interest be waived.  They did so as of the date of my $XXXX payment.  On my check for payment, and in a letter enclosed with the check, I clearly stated that cashing the check would acknowledge that this was payment in full for all charges incurred to date. XX/XX/XXXX/XX/XX/XXXX or thereabouts CitiCard  sent me a letter saying they had waived as I requested.I am now getting bills for late charges and penalties/interest, etc. that accrued after they sent me the letter waiving same.  I have complained to Citicard and they say that I still have to pay (letter received).  They have ignored their own correspondence and my check noted payment in full for all charges incurred to date.I believe this is fraud, to charge a card not activated and pursue late fees, interest, etc. after waiving same.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts listed on my credit report that i never applied for are stopping me from buying a home for my family.
Product: Checking or savings account

I opened a checking account, a savings account and a certification on XX/XX/2023 using the promo code XXXX. According to the term, i should receive {$100.00} for each account i've opened so in total i should receive a {$300.00} bonus by XX/XX/XXXX. However, until the due payout date ( XX/XX/XXXX ), I have not received the bonus. Please help me get the bonus i should have gotten. 

Terms : Open a savings account by XX/XX/2023 plus have a minimum {$1000.00} savings average daily balance on XX/XX/2023 to earn a {$100.00} bonus. 
Open a checking account by XX/XX/2023 plus have a minimum {$100.00} checking average daily balance on XX/XX/2023 to earn a {$100.00} bonus. 
Open a certificate by XX/XX/2023 plus maintain a minimum {$1000.00} certificate balance on XX/XX/2023 to earn a {$100.00} bonus.
Product: Mortgage

Previously filed a complaint due to mismanagement of my escrow account by Caliber Home Loans. CFPB Claim number XXXX. Received a response from Caliber regarding refunds issued for the incorrect and lost payments withdrawn from my escrow account and correct payment issued on XXXX/XXXX/XXXX for my full XXXX property taxes. Before all the corrections were made, Caliber issued our XXXX IRS Form XXXX which reflected the incorrect amount for taxes paid. I disputed their initial response as well as emailed the Caliber complaint department notifying them of the incorrectly reported taxes paid for the year in block XXXX of our XXXX and I requested a corrected XXXX. I never received a response to either of my written requests. I then called the Caliber Tax department on XXXX/XXXX/XXXX and spoke to XXXX ( Teller ID # XXXX ) who informed me that she spoke with a manager and the manager stated that they would not be issuing corrected XXXX because Caliber does not report this information to the IRS and that I should go to my taxing authority to get the correct amount. I informed her that I do n't believe that is an appropriate answer as I am required by the IRS to use these forms provided to complete my tax return. They have incorrectly reported the amount in block XXXX and should issue a corrected XXXX. She stated they would not issue a new form so I advised that I would be filling a new complaint to address this because I do not believe that is appropriate business practice to provide false amounts on an official tax document used for tax reporting of my personal return for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX all FTC violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ser violations : FTC : Not mine Fair DEBT : LAW saids you can not use unfair practices to collect a debt FCRA : inaccurate information case on the company have violated the law previously will enclose all the violations : FTC Sues Subprime Credit Card Marketing Company and Debt Collector for Deceptive Credit Card Marketing XX/XX/2008 FOR RELEASE TAGS : Consumer Protection The Federal Trade Commission today announced the filing of a lawsuit charging XXXX XXXX and its wholly-owned debt collection subsidiary, XXXX XXXX XXXX XXXX XXXX, with deceptive marketing practices in selling credit cards to consumers in the subprime market. 

The FTCs complaint charges both defendants with violations of the FTC Act and XXXX XXXX with violations of the Fair Debt Collection Practices Act ( FDCPA ). Todays action is the result of a coordinated investigation of the defendants marketing practices by the FTC and the Federal Deposit Insurance Corporation. In a related action, the FDIC has issued notice of administrative charges against XXXX and two banks that issued credit cards marketed by XXXX
Product: Credit card

In XXXX there was a fraud issue with my Captial one credit card. Apparently, someone got a hold of my credit card information and made charges to my account. Prior to the charges made, I made a credit card payment of {$160.00}. When I received the alert regarding informing me that my credit card information had been compromised, I immediately check my account and noticed that there were charges on the my account that I did n't make. I then contacted Capital one and filed a fraud case. After six weeks of not receiving a follow up call from Captial one. I decided to give them a call. On XXXX/XXXX/16 I contacted Capital one to find out what the status of the fraud investigation was. After spending an hour talking to XXXX Capital one representatives, I was informed that the issue has been resolved and the outcome was that all of the charges made to the account would be refunded, I would n't be responsible for the current amount due which is {$82.00} and I would have a new credit expedited to my resident. Today, I contacted Capital one and was informed that a new card would n't be issued until I pay my current balance of {$82.00}. I then explained to the representative that I have XXXX other major credit cards and I have never been told that they would n't send me a card until pay my current balance. I asked to speak to a supervisor, but was told that there was not supervisor available and if I did in fact speak with XXXX, they would in fact reiterate what I was already told.
Product: Credit reporting, credit repair services, or other personal consumer reports

us dept of education and XXXX XXXX is still showing my account as past due/collections/late payments even though all student loans have been deferred due to covid-19.I have disputed these items many times but they still won't correct it and it's really hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a private student loan that is past the time that the debt can be reported to my credit file. The total due is {$5500.00}. I have not had a private student loan since I was in XXXX college ... which was XX/XX/XXXX-XX/XX/XXXX. IF this is that same debt, this debt is past the time it should be reported.
Product: Student loan

I am just now learning about credit I tried contacting the Creditor but would not get a response every time I tried contacting them I am only XXXX years old and now have some knowledge on credit so this would not happen again. 


Opened : XX/XX/2017 ( 3 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX {$440.00}
Product: Mortgage

When I had submitted complaint XXXX, I started receiving multiple phone messages on my answering machine from Wells Fargo Bank XXXX This conduct is disturbing my home. 

Consent Order Stipulates 48. Respondent and its officers, agents, servants, employees, and attorneys who have actual notice of this Consent Order, whether acting directly or indirectly, may not violate sections 1031 and 1036 of the CFPA, 12 U.S.C.

5531 and 5536, in connection with the acts and practices described in Section IV.

" 57. Respondent may not condition the payment of any redress to any Affected Consumer under this Consent Order on that Affected Consumer waiving any right. '' I had requested correspondence to my complaints in writing and request that Wells Fargo to immediately desist leaving phone messages on my answering machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis are deceitful liars. I demanded they stop furnishing a bankruptcy that they were unable to verify as I have a letter from the court stating that they did not furnish information to any reporting agency. I also demanded a security freeze. I received a letter with a pin number for my security freeze. Then I received a letter stating they could not authenticate my identity to remove the unverifiable information, thus continuing to violate my consumer rights. They are liars because they were able to authenticate my identity with my drivers license and utility bill for the security freeze but somehow can not for the violation of my rights. I demand LexisNexis stop furnishing information about me and delete the unverified bankruptcy immediately.
Product: Debt collection

I am trying to clear up a debt. 
The collection company ( Lockheart Morris ) hasnt returned ANY of my phone calls, email, or has yet to respond IN ANY WAY. 

I am homeless, living in my truck, and I have a collection on my credit that is preventing me from getting into affordable housing. 
No one is communicating to me about this debt, and so I feel I am helpless in getting this item removed from my credit report. 

This is a Summary/the emails that describes the situation : Its now been over 6mo. since I emailed you, Lockheart & Morris ( XXXX ) seeking a solution in good faith to resolve my debt. 
Its been six months now since I emailed you my letter asking for forgiveness of my loan, or at least a compromise. I havent heard back a response of any kind since. 

During this period, I have yet to hear of any response from you or your collection agency as far as this matter is concerned. I have received no phone calls, no letters, no emails. Nothing. 
My credit remains damaged, preventing me from getting out of living in my truck, ( several years now ) and renting an apartment. I continue to have multiple offers from the low-income housing lists that I am on, but my one derogatory on my credit is preventing me from doing so.

I am currently living in my truck. Ive had multiple offers of housing, but Im repeatedly turned down due to this one derogatory on my credit.

My current situation is that Im unemployed, homeless, and collecting XXXX. Unemployment benefits, about $ XXXX. 

I would like to, and I am willing to work on a deal to get this debt resolved soon so that I can have this item removed from my credit report. 
Im willing to make a deal. 

**Im asking you to act in good faith by at least communicating with me. 

Please contact me soon. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ca. 
XXXX On XX/XX/2022 at XXXX XXXX, XXXX XXXX wrote : Hello, Its been about six weeks since I e-mailed you a letter explaining my situation, my ability to pay. 
I am looking for a solution, or a compromise so that we can bring my account to a conclusion. 
Its been six weeks since I emailed you my letter asking for forgiveness of my loan, or at least a compromise. I havent heard back a response of any kind since. 
Hopefully we can communicate a little more efficiently in the future. 
It is my hope that you can offer a solution to my so that I can have some sort of closure. 
In waiting for some sort of response, I have again missed out on two more opportunities to get into an apartment because of my one derogatory on my credit report. 
Being homeless in my truck with winter approaching, it is a time issue now. Id like to get housing before it gets cold. 
I hope to hear from you regarding my account soon. 
Any response will be appreciated. 
Thank You, XXXX XXXX XXXX