23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I dispute the information being report by FLAGSHIP CREDIT ACCEPTAN FLAGSHIP CREDIT ACCEPTAN # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX this auto loan was paid in full by my auto insurance and my gap insurance. I believe this company is trying to get extra money from me when this account should show paid in full. 

I refuse to be strong armed into over paying on an account that has already been satisfied. this company is fraudulently reporting incorrect information out of spite and greed. remove this damaging information from my report. I request this complaint be escalated to an executive/level in which this item can be resolved.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason. They accused me of selling drugs. Are they real? accusing me for something which i did not do. They don't even gave clear evidences for that. And now they will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Mortgage

I lost my job due to the pandemic. I was forced to file for bankruptcy because schools closed, and I could not work. Navy Federal did not take the time to talk to me or look at the entire picture before denying my loan application. I applied for a mortgage loan with Navy Federal Credit Union. Per my bankruptcy, I had to file for my credit card. However, before the pandemic, I had outstanding credit, and I never missed a payment with Navy Credit Union. In their denial letter, Navy Federal states the principal reason for my denial is " poor credit performance with Navy federal. '' They never mentioned my bankruptcy or poor payment history with any other creditor. I had a 100 percent perfect payment history for over ten years. I believe I'm being discriminated against because of my material status, and my income derives from a federal assistance program. I believe I qualify because I have a full-time job, my bankruptcy will be two years old on XX/XX/XXXX, and I've been preapproved by other companies. Also, this is a VA-backed loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax breach of information. I was notified I may have been exposed, however I can not get a solid answer from anyone regarding the issue.
Product: Mortgage

After reporting this continual unfair, deceptive and abusive behavior from Shellpoint, Shellpoint just responded to CFPB, and not me personally by mail, a letter dated XX/XX/XXXX ( ATTACHED ) with my requested information on how they determined I didn't qualify for a modification. As you can see yourself by the response letter given there are many errors I will disclose that Shellpoint purposely " added '' themselves that is NOT accurate in order to disqualify me illegally.

In Shellpoints evaluation they have included 3 properties I no longer own as the bank foreclosed on them AND several modified loans they have the payments plus PITI that I pay with the amounts incorrect-much higher of course!. Therefore, I am formally Appealing this rejection of modification due to the fact that Shellpoint decided on their own to include invalid information even though this was disclosed to them when I submitted my documents for review. 
I am Appealing their decision and asking again for them to cancel the XX/XX/XXXX sale date so that Shellpoint can do a proper review using factual numbers instead of them making it up. ISNT'T THAT A DUAL TRACKING VIOLATION? This is just one issue as Shellpoint continues to hold sale dates over my head WHILE IN REVIEW and for that matter during the entire modification process and Appeal period and refuse to give me the 30 days needed to respond, as I haven't even formally received anything back from Shellpoint on any of my disputes, or Appeals! 
Also, just to allow the CFPB knowledge of how Shellpoint and XXXX XXXX XXXX operate, I called in every day to see where I stood with the Appeal I sent in ( that Shellpoint " lost '' for weeks then " found '' once I pushed and spoke with a supervisor who would actually LOOK for it and update my file ) along with the many disputes and Qualified Written Request to which Shellpoint COULD NOT AND HAS NOT GIVEN ME A FULL ANSWER WITH LEGALLY, RECORDED DOCUMENTS THAT PROVE VALID STANDING. 
Also, no one at either company would tell me if my XX/XX/XXXX sale date was cancelled. I was left on my own to find out online at XXXX on XX/XX/XXXX hours after the purported XXXX sale time, that the sale date had been postponed until XX/XX/XXXX .... yet neither company would offer this information to me PRIOR to the XXXX XX/XX/XXXX sale date. I would think that the CFPB would call this DUAL TRACKING and uphold their own laws for the homeowners. I definitely consider this unfair, deceptive and abusive acts and practices, especially on a senior citizen as myself, XXXX years old in XXXX! They are targeting me unfairly and I am asking for the CFPB to protect me against these predators claiming to own my loan, provide me with answers to my requests and abide by the laws respectively.
Product: Student loan

I have contacted XXXX XXXX in regards to a Student loan that has defaulted agreed to enter the Rehabilitation Program with a payment of {$58.00} a month due by the XX/XX/XXXX of each month ; however, my wages have been garnished from my place of employment either way. I do not understand why this is happening. I received a letter in the mail dated XX/XX/2018 stating : You must make at least nine ( 9 ) monthly payments during a ten ( 10 ) consecutive month period in the amount of {$58.00} due on the XX/XX/XXXX of each month as agreed to between you and XXXX  under the established repayment agreement. Under the rehabilitation program, the full payment amount agreed to must be received within 20 days of the payment due date. A payment made more than 20 days before or after the due date will be credited to your outstanding balance but may not count toward the rehabilitation program. This may delay completion of the program or require you to start the program over. I did receive a letter in regards to a garnishment to begin XX/XX/2018 if I did not contact or settle into agreement of repaying my student loan ; however, I did contact the company prior to that date and settle to enter into the Rehabilitation program. I did pay my payment of {$58.00} in two payments : a payment of {$46.00} on Saturday XX/XX/2018 and {$20.00} on Thursday XX/XX/2018 well within the 20 days as stated. I log onto my online account see the payment of the {$66.00} but I do not see my wage garnishment of {$200.00} applied at all to my account. I spoke to a XXXX in regards to this issue twice and asked if my account is placed on wage garnishment why does it state online " Your good faith payment of {$58.00} is due by XX/XX/18? She said that is incorrect and should have taken a couple of days to come off my online account since the garnishment was put into place from XX/XX/18 ; I told her a couple of days we are now XX/XX/2018 that is more than a couple of days and she said there is nothing she could do to help and the garnishment will not be cancelled. I told her so my online account information is incorrect which is deceiving and a lie. It should not show that I am on a rehabilitation payment and still get my wages garnished at the same time. How is it that I paid my Rehabilitation payment well withing the 20 days as stated on the letter and had my wages garnished of {$200.00} but yet that garnishment is nowhere to be seen applied to my account. I feel that this company is not for the people or in any way to help the people. I mentioned to XXXX how unfair is that and I have other loans with the XXXX that have been put on a payment plan/IBR and she told me we have no affiliation with XXXX. Please help to stop this ; I am scheduled to give double payment by paying the Good Faith of {$58.00} and have my wages garnished? I spoke with a XXXX twice with no help at all ; I did receive one phone call from a supervisor by the name of XXXX  whom left a message so I did return the phone call and have left 3 messages with no return phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounta re erroneous and misleading causing negative impact on my Credit File? I previously requested for the investigation and correction of this account and yet the Credit Bureaus have done nothing. Let me remind the Credit reporting Agencies that they are obliged to investigate and update the disputed accounts per consumers requests under the FCRA regulation. Once again, I am requesting that the Credit Bureaus would take their time to THOROUGHLY investigate and CORRECT these erroneous account to report accurate information on my Credit Report : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance {$210.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance {$300000.00} XXXX XXXX XXXX Balance {$740.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} ATTORNEY GENERALXXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$0.00}
Product: Credit card or prepaid card

I payed my bill on Time by setting it up in autopay and the T.J.Maxx credit card Is claiming that the payment was rejected by the bank and is reporting a 30day late payment on my credit report And hurting my score for no reason. Please remove immediately and report accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Received a letter from The Mchughes law firm on XX/XX/XXXX stating this is a debt collector. I requested a letter of validation with my wet signature. I received a letter with a copy of judgment which was filed XX/XX/XXXX from XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a successful dispute, I have spent the last 2.5 months trying to get this resolved with Apple/Goldman and even after getting their email that my dispute was successful, they refuse to credit my account. The item I ordered was being shipped to a bad address. I notified Apple before it was shipped and they said they would cancel the order and I would have to reorder the item because they said they where unable to update the shipping address. I was told the item would be returned to Apple. So, I reordered the item and it was sent to the correct address. Apple did not cancel the order. It was delivered to the bad address. I was sick paying for both items. They finally resolved my dispute but yet they have not and will not credit me and are still charging me for the item.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

On XXXX2016 i have submitted a dispute to Equifax Information XXXX about a Judgement that has been reporting on my Equifax Consumer Report in the name of XXXX XXXX Special Civil Part Plaintiff ( XXXX XXXX XXXX ). In support of my dispute i have provided Equifax a copy of my Police Report and Identity theft Affidavit signed and Notarized. 
Equifax continues to report the fraudulent account that does not belong to me and should not be reporting on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian & both XXXX has my wrong birth date. XXXX has XX/XX/XXXX when my real birthdate is XX/XX/XXXX. I have certified mail both XXXX & experian on XX/XX/XXXX a copy of my id, social. I have asked them both multiple times to update my birthdate. Experian just have my birthdate at XXXX when thats not a full birth date it should be XX/XX/XXXX in the right birth date format. I have disputing these things over the phone, online through their dispute system & also mail. And my information is still wrong & not updated to the right birth date please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  According to

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  for the amount of {$4900.00}, Account XXXX # XXXX for the amount of {$5000.00} has violated my rights. 

1

5 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 15 U.S. Code 1681s2 - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : CITICARDS CBNA and XXXX XXXX XXXX, XXXX Violation of FDCPA and FCRA CITIBANK sold a debt to XXXX XXXX XXXX, XXXX. XXXX XXXX changed the account number and used CITIBANK 's name to report the debt to the three credit bureaus. I paid off the balance in XXXX, and the balance should be XXXX ( see attachment ). 

I made multiple phone complaints to XXXX XXXX, XXXX about their deceptive practices and harassment in debt collection. I also filed multiple complaints with the three credit bureaus against CITIBANK CBNA : XXXX XXXX XXXX, XXXX ( account number : XXXX ) engaged in identity theft, violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX, XXXX wrote a letter requesting CITIBANK CBNA to delete this account ( see attachment ). 

In XXXX and XXXX, my loan officer and I contacted four departments of CITICARDS CBNA. They couldn't locate the account XXXX using my phone number and social security number and directed us to file complaints with the credit bureaus to delete the account. The result was that CITIBANK changed my account number from XXXX to XXXX and altered the balance to {$2000.00}. They only closed the account without deleting it, which has continuously affected my credit score and credit utilization rate, reaching 137 %. This has completely hindered my ability to refinance my home loan since XXXX. On XX/XX/XXXX, I called CITICARDS CBNA again to complain and was told to call a fraudulent number ( XXXX ), which turned out to be an advertisement number.

I filed a complaint with CFPB and reported to FTC, requesting CITICARDS CBNA to immediately delete the account from the three credit bureaus.
Product: Debt collection

XX/XX/XXXX @ XXXX received text from XXXX Venmo service of PayPal to stop messages Received message We've turned off notifications from PayPal Mobile services. Got another text XX/XX/XXXX @ XXXX text stop got message saying We've turned off notifications from PayPal Mobile services. Got another text XXXX @ XXXX same thing as first 2 times texted stop. Same reply from them. XX/XX/XXXX same text I replied stop again
Product: Debt collection

Zieg Law Group contacted me XX/XX/XXXX stated I owed a student debt in the amount of {$1000.00} and I needed to make a payment. Iasked for what, they said I had student loan debt with XXXX XXXX. I let them know I never received anything in the mail, or neither had I been contacted before about the debt. I updated my address and I also made sure to ask them to send me the information in the mail. I said I could only pay {$50.00} but they said it needed to be {$100.00}, so I was paying on it for three months. I was trying to figure out how much I owe since I have made 3 payments of XXXX. Dates : XX/XX/2021, {$100.00}, XX/XX/2021, {$100.00}, XX/XX/2021 {$100.00}. I had also still had not received any information on the debt. I contacted the company today and they said they sent it to my old address, and didnt have the new address, I said I called and updated it and the gentleman said oh yes we have it, we still sent it to the old address. I have never received any information on the debt owed, the terms, or the amount. I have asked them so stop taking the payments until I received the information. I was told that I would have to deal with it a lot harder now. I have been paying but I have no idea what it is even for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date : XX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Complaint Against Equifax for Inaccurate Reporting Violation of 15 U.S. Code 1681s2, 1681, and 1681i Dear Sir/Madam, I am writing to file a formal complaint against Equifax for their continued reporting of inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite my efforts to correct these errors, Equifax has failed to adhere to their statutory responsibilities under 15 U.S. Code 1681s2, 1681, and 1681i.

The issues involve inaccurate reporting of XXXX XXXX Bank NA account, which shows " settled Violation of 15 U.S. Code 1681s2 ( a ) : Equifax continues to report information that is inaccurate, despite having actual knowledge or reasonable cause to believe the information is incorrect.

I have formally notified Equifax and the furnisher of the disputed inaccuracies. Despite this, the errors remain uncorrected.

Violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ) : Equifax has been notified at the address they specified for disputes that the reported information is inaccurate. However, the information continues to appear in my credit file without correction. 
Violation of XXXX XXXX XXXX XXXX : Equifax has failed to conduct a reasonable investigation into my dispute and has not promptly deleted the inaccurate information from my credit file as required by law. 

These violations undermine the fundamental principles outlined in XXXX XXXX XXXX XXXX, which aim to ensure the accuracy and fairness of credit reporting for the benefit of consumers and the banking system. 

I respectfully request that the FTC investigate this matter and take appropriate enforcement action to ensure compliance with federal law. Inaccurate credit reporting severely impacts consumers like me, leading to financial and reputational harm. 

Enclosed are the following supporting documentation A copy of my credit report highlighting the inaccuracies. 


Thank you for your attention to this serious matter. 

Sincerely CFPB, FTC XXXX ALSO BEING TOLD BY EQUIFAX I'VE BEEN DISPUTED TO MUCH IN THE LAST 90 DAYS I WILL MAIL YOUR OFFICE ALL THE STALL TACTIC LETTERS STATING THEY CAN'T LOCATE A CREDIT FILE AND XXXX
Product: Debt collection

Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX To : The Office of XXXX XXXX for Spring Oaks Capital , LLC From : XXXX XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX , together with a certified copies of signatures contract between you and XXXX XXXX XXXX , you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of XXXX CRF XXXX, Title XXXX USC XXXX, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX