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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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: Mortgage

I am XXXX XXXX XXXX, the owner of loan XXXX XXXXXXXX on the property located at XXXX XXXX XXXX, XXXX MA XXXX. I am writing to express my concern regarding the issues we have been facing with the handling of our mortgage account following the merger of Shellpoint Mortgage XXXX and our original mortgage company XXXX. 

Firstly, I would like to address the discrepancies in our escrow account. I have been diligently paying my taxes directly to the city of XXXX, as evidenced by the full payment for XXXX and partial payment for XXXX. Despite this, I was shocked to discover that upon Shellpoint 's takeover, our escrow account was in the negative, and an incorrect amount of {$490.00} was paid out. I am requesting a reimbursement of {$1400.00}, as I have been making additional payments towards my taxes since XX/XX/XXXX. The check I received for {$690.00} does not account for the full amount owed. 

Secondly, I would like to highlight the issue with my home insurance documents, which were promptly provided to Shellpoint Mortgage Services. 

Lastly, I am troubled by the sudden increase in my monthly mortgage payment from {$1300.00} to {$1600.00} since Shellpoint assumed control. I am unable to afford this additional amount and refuse to pay it. 

I have contacted Shellpoint multiple times via phone and email to address these concerns but have yet to receive a satisfactory resolution. The mishandling of our payments has adversely affected our credit score and caused unnecessary stress for myself and my spouse. I urgently request that these issues be resolved promptly and the necessary corrections be made to our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts : XXXX XXXX XXXX  XXXX XXXX ; Account # : XXXX XXXX  XXXX ; Account # XXXX XXXX  ( XXXX  XXXX XXXX ) ; Account # XXXX XXXX  XXXX XXXX ; Account XXXX XXXX XXXX XXXX, XXXX ; Account # XXXX Pursuant to 15 USC 6802 this is an official document to opt out the furnishing, publishing, and communication of all information regarding these accounts. Pursuant to 15 USC 1635 this is an official document to exercise my right of rescission, XXXX XXXX XXXX for any contract, transaction, information, and my signatures associated with these accounts. Pursuant to 15 USC 1692c communication in connection with debt collection, this is an official cease and desist letter to stop all communication, furnishing, information and attempts at collecting for these fraudulent accounts. This is an official request and instruction to remove and delete all information regarding these accounts. I dispute under 15 USC 1692h all letters that these companies sent me have been abusive in some form or faction and these companies cant present evidence, whether they call themselves a creditor, third party debt collector or whatever, under federal rules of particular procedures 28 USC 3002 including 18 USC 8, if they're not a United States Attorney General or assisting the United States Attorney General, if they dont have litigation authority from a federal agency to collect a debt then this company is a private attorney. Cease and desist all communication and information regarding this account until they can present evidence of a contract to collect services in accordance with 31 USC 3718. Show me that they have established a contract with the treasury to collect debt, if not, then these companies are using abusive debt collection practices. Pursuant to 15 USC 1692g I submit that I no longer validate these alleged debts until they can show me evidence of the journal or ledger entries that shows that more debt exceeds the amount of credit gained on the account. I allege that these corporations have gained 9-10x the amount of debt established. If thats the case, then according to the Generally Accepted Accounting Principles I allege that I dont owe a debt and this information violates my consumer rights. These companies have been contacted and these companies information violates FDCPA and FCRA requirements. I am the original creditor. I am the consumer.

Please Delete, Remove and Block All Information Regarding These Accounts Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to XXXX and iXXXX XXXX and XXXX XXXX XXXXf XXXX of someone using false power of attorney with fake signature that's not even mine, stolen irs tax return prove of XXXX representative, a phone number I used to have before I departure to XXXX, XXXX on XXXX, XXXX, XXXX and returned back to u.s on XXXX, XXXX, also XXXX account is stolen, and XXXX XXXX XXXX XXXX report that my SSN IS UNDER XXXX XXXX, not XXXX XXXX which is me And now there is XXXX students loans were taken while I was gone in XXXX, XXXX and the XXXX loans were taken as " National Emergency Forbearance '' there are {$3800.00} and {$3000.00} and XXXX I have reported them to transunion and XXXX XXXX XXXX and have called the department of education and informed them as well Done sent documents of prove evidence to transunion by mail and received it on friday XX/XX/XXXX, and documents were signed for as well
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below are inaccurate. I did not consent to have the accounts listed on my report. 

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX real XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to remove these inaccurate items from my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

Am writing to file a complaint against Equifax for failing to comply with the Fair Credit Reporting Act { FCRA ] requirements particularly 15 USC 1681 e ( b ), 1681 s ( 2 ), 1681i ( 5 ) and 1681c ( c ). Despite multiple writing disputes regarding in accuracies on my credit report Equifax has refused to conduct proper investigation or correct the errors as mandated by law. I sent disputed letters to Equifax regarding ( specific disputed accounts or information. I provided detailed evidence supporting my dispute, yet Equifax either failed to respond adequately or continued reporting incorrect information. This failure has caused harm to my my credit score, impacting my ability to secure credit these account should be delete off my credit file XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX these accounts or not mines.
Product: Checking or savings account

I had bank account with XXXX  from XXXX and it was closed and I have no idea why was it closed. 
And then my PNC checking account was closed on XX/XX/XXXX and I cant open bank account
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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

Every year since XX/XX/XXXX, my Credit information has been mixed with my Father 's at all three Major Bureaus. I  have the annual battle most every year. Equifax in Ga. is the most blatant offender. I am XXXX XXXX XXXX XXXX. I did sign documents as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is also Legally Correct as my Identity. I 've never Identified or Signed or otherwise AKA myself as other than what you read here. Banking, Legal Documents, Paychecks all have been with the XXXX as my NAME! In desperation in around XX/XX/XXXX, I started signing My Name as XXXX  to XXXX PROOF my name and protect my Identity. Yet the Battle continues as this year too I am engaged and embattled to protect my Identity. My Wife and I have been Victims of Identity Theft close to or more than 6 times since around XX/XX/XXXX. 
XXXX XXXX reported me as XXXX XXXX XXXX XXXX. I 've requested to fix this through disputes. 5 ( maybe 6 ) Times?? The FIX ; now I 'm my dead father - XXXX. 
Equifax reports me as XXXX XXXX XXXX XXXX. After 2 USPS Letters addressed to my XXXX Father, which I wo n't open. & Phone Calls. An online dispute netted a resolution of an Email was sent to me in : my XXXX Father 's name. 
. XXXX XXXX : Still mixing my Info with my XXXX father. idpute lodged, second response still the same. His name with a Credit report of his information about a XXXX XXXX XXXX he opened i XX/XX/XXXX. We went Bankrupt in XX/XX/XXXX, it was discharged in XX/XX/XXXX .. Irt was closed by the Grantor in XX/XX/XXXX. He XXXX in XX/XX/XXXX. Yet, it is still listed in MY CREDIT REPORT. 
XXXX .. I did not receive a report in the Mail as requested ... YET. 
All there of these re [ orted my Wife and I as paying as agreed on accounts way past the Bankruptcy Discharge Date. Well past 10 years stl reporting falsely.
I am unable to call or through the internet XXXX to find out if my Wife or I either had been part of the XXXX Recent foo pah .. 
Do you enforce the LAW? Please do ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report it has been well over 30days and I have not received any investigation results.
Product: Credit card

I recently encountered a frustrating situation with my Capital One accounts where I discovered that there was a restriction placed on all of them. To my surprise, three of my accounts had been affected due to returned payments. Despite my efforts to submit the payments on time, one was returned and the other was not transferred by the bank as expected. Upon contacting the company, I was informed that all my cards had been closed due to these payment issues, even though the due date was still a few days away. Despite my history of timely payments, they refused to reinstate my accounts, leaving me feeling disheartened. It was disappointing to realize that despite being a loyal customer, I was unable to resolve the situation.
Product: Debt collection

On XX/XX/2018, I received a phone call from NCS about a debt that is owed for a car accident. The representative on the phone stated that they are going to file paper work to sue me and have my driving privileges revoked for failure to pay the balance. I l have asked them for the final bill along with the details of the bill. They have told me they dont have a final bill yet and they want me to set up a payment agreement without knowing what the balance is and why I am receiving the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report and the bank 's records ( learned through more research both parties require ). 

( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXXXXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX  XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one 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 60 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: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A REPORT OF IDENTITY THEFT This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX XXXX XXXX  # XXXX Creditor : XXXX XXXX XXXX  XXXX # XXXX Creditor : XXXX XXXX  # XXXX Creditor : XXXX XXXX  XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  # XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor. 


Removal of inaccurate information and unverified information. Federal Registrar is attached for reference to what is accurate and verified data with integrity.
Product: Credit reporting or other personal consumer reports

Commenity Bank was reported as a inquiry on my credit report. I didn't apply for it.
Product: Credit card

Verizon Visa each month refuses to cash my payment timely. They don't cash it for 7 to 10 days causing a late fee. I have to call they said yes they got the payment 7 days prior but it has not been applied and then I have to fight to have the late fee removed. This is despite them acknowledging they had the check. My bank sent the last check on XX/XX/XXXX and as of XX/XX/XXXX they have refused to process the payment and have now again charged a late fee.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers accepting unreliable responses, and failed to adequately notify consumers of dispute outcome. these failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer
Product: Credit card or prepaid card

I pay my son 's Discover card balance as well as my wife 's Discover card balance from my XXXX checking account. This month Discover misapplied {$3100.00} intended for my wife 's account/balance to my son 's account. On XX/XX/2021 I contacted Discover and advised them what they had done. They stated that there was nothing they could do to correct the problem ( they had caused ) as I did not have a Discover account. After my wife and myself were bounced from multiple customer service reps, Discover said they would try to credit my XXXX account with my {$3100.00} as I requested. The {$3100.00} that had been credited to my son 's Discover account in error has been reversed but I have not received my {$3100.00} to date.
Product: Student loan

I have XXXX XXXX loans through Wells Fargo, and have auto-pay. I've not had a late payment in 15 years of paying. I went into a local branch on XX/XX/2018, to make an additional principle payment ( wrote that I wanted it to go toward principle on a specific loan, and pointed it out repeatedly to the bank teller. ) I have two distinct loans ( XXXX ) and ( XXXX ). Each has a different interest rate. I requested my additional principle payment of {$500.00} that day go to the loan with the higher interest rate ( XXXX ). I was told the local branch could not do that, and the student loan department was closed, since it was Saturday. I spoke with a Personal Banker to explain the payment I wanted to make, and she indicated she would look into it and get back to me on Tuesday, XX/XX/2018. I have still not received a call back from the local Wells Fargo branch. 

On Wednesday, XX/XX/2018, I logged onto the Wells Fargo website and found that, not only did my extra {$500.00} payment split between the 2 loans, it did not all go toward the principle. I was charge {$24.00} in interest on loan XXXX, and {$24.00} in interest on loan XXXX. My normal auto-pay comes out on the XXXX of every month, just like clockwork for the last 15 years, and I make clear at the time of the extra payment that it was an " extra payment for principle only. '' So, it appears Wells Fargo is blocking me from : 1 ) Making a principle payment 2 ) Paying off the highest interest rate loan first 3 ) By default, collecting all of the  possible interest they can on my loans, and trying to extend my payments as long as possible. 

I've tried many times over the years to make a principle payment, and have been met each time by Wells Fargo with the same attitude : " There's no way to do that. '' Now that they have finally been reeled-in by the government for unfair business practices, I'd like to point out that they are unwilling and/or unable to process a principle payment on a specific loan, which I believe to be against the law.
Product: Debt collection

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Balance updated XX/XX/2022 This Account doesn't belong to please remove from my Consumer report