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

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX As required by XXXXXXXX XXXX  XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I have requested, and on numerous occasions - a Do Not contact and from this debt collector.

I am reliant on a Do NOT Contact description from FDCPA.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the cons
umer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


XXXX - has sent no less than XXXX articles/letters to me and through the USPS- and since the request of do not contact was initiated, they confirmed the request and more than a year ago, I have kept the communications. 

The CFPB has them as well. 

I have also - never, asked for a XXXX. Please ensure you do not attach a statement, nor mail anything - as the cease request is still in place, The response to this complaint- is just that. 

Further, I believe ( and its discoverable ) that XXXX has contracted its collection efforts, and to at least XXXX companies. Where as - inquiries, and communications have occurred to entities they ( XXXX ) were asked to cease communications with. 

The request of DO NOT contact extends itself naturally, to anyone you have chosen to do business with, and for any reason, and forever. 

You fail, XXXX, to disclose this information of who is acting on your behalf/as you - however, you then choose to NOT adhere to the initial request to you and yours ( acting as/for you ) to cease contact. 

The cease contact request remains, and with absolutely no constraint. This simply means it applies to all of your practice, and actions and anyone you hire to act on your behalf. 

At some point, the actual penalties will be real - and outweigh your actions. 

We are at the cusp, remember there is a class of people. 

Do not contact any one for anything.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. XXXX  account # 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 an account without my written instruction. 
Chapter XXXX Bankruptcy XXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX /Chapter XXXX XXXX XXXX XXXX XXXX /Chapter XXXX Bankruptcy XXXX XXXX Chapter XXXX Bankruptcy XXXX XXXX
Product: Mortgage

This is a repeat of complaint XXXX as my mortgage was sold back to US Bank on XX/XX/XXXX and they are now threatening default while ignoring the fraud they committed that started this whole debacle in the first place. 

I missed payments from XXXX - XXXX of XXXX. US Bank ( USB ) called and offered to put those four payments at the end of my mortgage if I made 3 payments XX/XX/XXXX - XX/XX/XXXX. They then sent me a loan modification ( not what they offered ) and sold my mortgage ( end of XXXX? ) to XXXX XXXX XXXXXXXX  ( XXXX ). I made the payments ( one to US Bank, then XXXX to XXXX ) but refused to accept the loan mod as it added 14 years to my mortgage term. While trying to figure out what went wrong, XXXX XXXX XXXX then sold my mortgage to XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX ( XX/XX/XXXX? ). I then spent many more months trying to figure out what was going wrong. XXXX then offered me a loan mod if I made 3 payment XX/XX/XXXX - XX/XX/XXXX. Fatigued from the delay I accepted and made the payments. They then rejected the loan mod in XXXX, probably because interest rates had risen and they couldn't offer a monthly payment commensurate with my existing XXXX XXXX mortgage per the rules. Frustrated with being run around I called a HUD counselor ( XX/XX/XXXX ) who explained that US Bank likely tried to illegally transition me from the " payment deferral '' they offered to a " loan modification '' because their HELOC would be moved from 2nd to 3rd position, thereby increasing their risk. Wanting to hide their mistake, they then sold my mortgage to obfuscate matters. 

My new loan information is : US Bank mortgage account number is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I place a credit lock on my Experian account. I am unable to unlock it. It says there is no lock on it on the website. 
When I attempt to unlock it states it can not verify me. 
The questions it is asking, are not questions for me, I do not know where they are getting their questions but they are inaccurate. 
I am unable to reach a person. 
They are requiring I send personal information thought the us mail, that anyone could steel my identity by. 
This is against everything I have ever read on security. 
I would like to have control of my personal identity. 
Why can they not identify me when they have all of my credit history? They ask me people that live with me and I live by myself. 
Why would they use a 3rd party using social media scans to identify me. 
I have no choice but to do as they ask. 

This is wrong.
Product: Debt collection

Shellpoint is unlawfully making false claims that money is owed, that is not enforceable and has been satisfied as a matter of law. Shellpoint has hired a firm to make false claims and during this coronavirus exemption period having instead violated the State of California 's Orders of Exemptions of Foreclosures, and has aided to claim rights to enforce a Lien that is unenforceable, was time barred by operation of law over 13 years and was discharged AFTER being time barred over 8 years. This has been expired by all means under Applicable laws and according to the provisions of the contract. 
Furthermore : Shellpoint is attempting to serve a foreclosure notice during this Coronavirus Exemption period and having instead hired a new firm to aid in making false claims that money is owed. And having published on public records false accounting on discharged debt. This is extremely unlawful and under Civil Code 2941. having turned to criminal acts. 

During this extreme time of which we all face, Shellpoint is attempting to foreclose and file a Notice of Default when the Courts are closed and this is causing harm and injury. 

Shellpoint placed on my credit report found in XX/XX/XXXX to have made a false entry on my Credit report that money was owed and made up false entries to create a false claim as if payments were recently made, knowing this was false and untrue and attempting to revive a debt that is expired under all applicable laws from any collection ; and was later discharged under Chapter XXXX after having previously expired all rights prior to entering bankruptcy. This has been over 14 years of harm, and Shellpoint has caused recent credit reporting " False Credit '' entries on a debt that has a last payment due was XX/XX/XXXX. This was accelerated at this time and under applicable state law expires all rights under UCC 3118 ( a ) at six years. Despite the facts XXXX XXXX   XXXX Bank is the alleged Creditor who has stated " they are not the creditor '' and this pattern of abuse and harm continues to cause to ruin my credit, and lost my ability to gain a much needed loan, as my credit scores substantially decreased and denied business and personal credit because of this false entry. 

Despite the laws of California, including this recent Governor 's Order of NOT Allowing any foreclosures Shellpoint has hired a firm to attempt to file a NOD and move towards taking my real property under a false disguise that money is due, no rights remain to enforce the time barred lien. This has been over 14 years since Acceleration of the note. Despite this as fact, apparently Shellpoint is aiding and has been taking real property by false claims and time barred expired rights to enforce by any means, including foreclosure. Civil code 882.010-882.040 inclusive.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

DISPUTING INQUIRIES ONLY please delete and remove the following inquiries from my credit prole due to right to privacy PREVIOUSLY I DISPUTED THE INQUIRIES ONLY NOT ANY PERSONAL ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I disputed the credit inquiries by phone and online WITH EACH credit BUREAU BEFORE I led THIS adavit. The credit bureaus have failed to remove the disputed information leaving me no other choice but to le this adavit. The credit consumer agencies HAVE violated my rights PREVIOUSLY BEFORE WITHOUT PROPER OPTIONS I have EXHAUSTED ALL MY remedies when disputing incorrect information from the credit prole other than to report to consumer protection agencies. THE ONLINE DISPUTE CENTER portals do not WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to get few charges on my credit report that aren't true but. XXXX XXXX XXXX and XXXX XXXX XXXX. Keeps lying about this issues XXXX XXXX XXXX claimed tha I have a contract with them but the don't bring the prove the haven not bring anything to provided it that why when I closed my account I was to finished pay what I used to owe them but the. They started to add more money late fees anual payments i have tried to resolve this issue bit they don't care they damage my credit becouse their fraudulent way to add money I would not pay money I don't owed them they are taking advantage of my situation the keep calling the house late night early in the morning non-stop I did a complaint with my credit report agencies but they side with them they didn't get any given any proved about the challenges but. They didn't remove it from my credit report non of them care
Product: Debt collection

VALIDATION AND CEASE AND DESIST Sunrise Credit Service. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sunrise Credit Service, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 6. Please provide the original contract between the creditor with my wet signature stating that I agreed to pay. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan with citizens bank for {$5000.00} that I signed the final disclosure on XX/XX/XXXX ( ACCOUNT NUMBER : XXXX ). I signed up for XXXX to sign up for automatic payments through XXXX, but I never made one payment. I asked them to produce a receipt or statements and they do not want to. I also, asked them what bank account was payments made with so I can pull up my statements to show them there was no payments made. They have an invalid delinquency date on my file. I have emails to show all of this. The first statement I received was in XX/XX/XXXX, and I did not pay. 
XXXX, XXXX and XXXX have been reported to with these invalid dates.
Product: Debt collection

Discover bank has been falsely reporting information to the credit reporting agencies. I requested a 1099C xplaomg how they were already paid and was that claimed on their taxes. My right to privacy has been violated under the FCRA and the FDCPA. IT states that all information is supposed to report accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting for the credit bills to fix the errors that they have put onto my consumer report! Under the law 1681a exclusion b clearly states that they are in violation of my consumer rights. Under exclusion it clearly states any specific extension of credit the was given from the extension of a card for the purpose obtaining money property labor on any services on credit under my social security card number should be excluded from my consumer report! THING THAT WAS OFFERED OR Authorize with my card should be excluded from my credit report! Please remove all these items immediately from my report or I will seek litigation immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX is my XXXX XXXX he opened the loan in my name and forged my signature on the loan documents. On the date in question I went to the dealership with them to see if I could assist with the purchase of a car. The dealer took a copy of my license for the credit check, there was nothing there they could afford with the money they had. I left the dealership since I drove my own car there I was no longer needed due to them not getting a car. In XXXX of XXXX  I moved to XXXX  when I went to try and purchase a car since I left the one I had to my son for school It was brought to my attention from the dealership I couldn't get approved for another car loan? I was confused because my other car was fully paid off. When checking my credit report I saw the loan from XXXX XXXX. I contacted them requested the documents from the loan and saw that XXXX initiated this loan and signed my signature. I confronted him and my daughter and she denied it. I filed a police report with XXXX XXXX in XXXX  and an investigation was started. XXXX is now XXXX  long term and the car is no where to be found my daughter states she doesn't know where it is. I need this vehicle off my credit report it has affected me significantly.
Product: Checking or savings account

I filed a dispute claim with Wells Fargo stating that I tried to withdraw money from a non Wells Fargo atm and the money was not given to me. The atm broke before it gave me the cash. They told me I that the other company said that the transaction went through. Which it obviously hit my bank account but I did not receive the cash. Per reg e I want that transaction of XXXX to be credited back to my account. The transaction date was XX/XX/24 which was really on XX/XX/24. They provided no proof that I did not receive the amount from the ATM.
Product: Checking or savings account

I had opened an Account with chase bank. I recieved my debit card. And was trying to add funds to the Account. It would not let me..so I called chase bank and they told me I was cancelled because you guys called and told them I was a risk.. i have been having trouble with trying to get an Account because i had lost my job and have family tried to send me funds.. also have a inheritance in which I need to open 2 bank accounts to deposit these funds. I lost my job that should not be a reason for a bank or you to not allow me to open an account ... .I fell on hard times. I'm not a scammer nor am I a crook..and I can prove that this inheritance exists.. and I'm in serious trouble trying to pay off my debt.. this has been a nightmare for me and my Fience.. we are to be married soon but she is stuck in Georgia waiting for me to send her emergency funds from the inheritance.. which is stuck in court and waiting for me to give them Account information, I cant do that when you guys put me in a catastrophic situation.. I need help obviously, and its important that I receive this inheritance so I can pay off all my debts and start fresh.. thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that I am a victim of identity theft. Beginning in XXXX, accounts were being opened under a different variation of my name ( XXXX, XXXX XXXX ) and also an incorrect social security number similar to mine ( XXXX ). I have alerted the IRS and also submitted credit disputes with XXXX and Experian. 

On XX/XX/XXXX I sent a credit validation letter via certified mail to XXXX. According to USPS.com, XXXX received the letter on XX/XX/XXXX. I have not received a response and the fraudulent accounts are still being reported to my credit. 

In XX/XX/XXXX, I submitted a dispute to Experian as well to inform them of the fraudulent activity on my credit report. They sent dispute results which included the deletion of a few accounts, however, all accounts were not removed.
Product: Mortgage

OK I have paid my house payment on XX/XX/2020 to fci lender services and with in a couple of weeks they sent it back. I pay Fci but partners for payment relief has my loan. In XXXX Fri sent the money back when I received it back I called them to see what was going on and they told me that as of XX/XX/XXXX they don't have me no more and couldn't tell who I pay my money to so I called partners they told me they will look in to it I have called every week and they tell me the same thing that they have hired a attorney to get a opinion on what to do so I called today she told me that she is waiting to hear back from him.. And so I'm getting behind on my payments and don't know what to do.
Product: Checking or savings account

I informed the bank of someone trying to access my information with other institutions I bank with and that I wanted to add an extra layer of protection such as a security word to my account, not long after they locked my account stating someone had called in on my behalf stating that I had a XXXX and that they would be in charge of all my finances from here on our. Charles Schwab has since locked me out of my own account for not the XXXX  but this is the XXXX time with no time frame as to when the review process would be completed I am still unclear as to why I would be out of my account based on someone trying to fraudulentyly access my information
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. 

INQUIRIES : XXXX XX/XX/year> XXXX XXXX XX/XX/year> : XXXXXXXX XXXX XXXX XX/XX/year> : XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

I contacted XXXX XXXX XXXX/Duvera Billing via phone and email to dispute a fraudulent account listed on my credit report. I provided their company my FTC Identity Theft Report and Police Report along with my dispute. Within 3 hours of sending the email I received what seems to be a generic/templated response stating they have completed their investigation and did not find sufficient evidence to classify the account as Identity theft. I called to speak with a manager to request the details of their investigation and was told the only way to communicate with the fraud team is via email and that based on the email response I received they are not willing to remove this fraudulent account despite me providing all of the required Identity theft documentation.