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

NewRez ( aka ShellPoint ) purchased my mortgage from XXXX in XX/XX/2019. In XX/XX/2019 and upon learning of the sale of the mortgage to NewRez, my CPA, XXXX XXXX, set up an auto payment over the telephone with ShellPoint. ( The exact nature of the relationship of these two entities is unknown. However, NewRez purchased the loan, but does not accept calls from borrowers. XXXX customer service accepts the calls and the payments. It is very confusing. ) On XX/XX/XXXX, we learned from the credit reporting agencies that the auto payments were not set up by ShellPoint and the XXXX and XXXX payments had not been made. We received no notifications from ShellPoint/NewRez that the payments were due and unpaid. 

Payment for XXXX, XXXX and XXXX was made on XX/XX/XXXX. An auto payment was successfully set up over the phone with ShellPoint. 

ShellPoint has reported that the XXXX mortgage payment was 60 days past due. While I dispute any past due because the auto payment was established and sufficient funds were in the account, the XXXX payment was paid XX/XX/XXXX accounting to ShellPoint and was not past due even by ShellPoints records. 

I sent this information to the 3 credit reporting agencies. XXXX has already responded that ShellPoint " verified '' the information in the report. However, this is impossible. I sent the payment history from ShellPoint showing the receipt of the XXXX payment on XX/XX/XXXX only 35 days after XX/XX/XXXX, a far cry from 60 days. 

ShellPoint 's " verification of the information and XXXX XXXX decision to continue to report the XXXX payment as 60 days late is a willful misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking at my credit report, I was puzzled by incorrect information appearing on it. It is very important that CREDIT BUREAUS keep an accurate credit file. There is Bankruptcy XXXX XXXX-discharged US BKPT CT XXXX XXXXXXXX Filed XXXX XX/XX/2021 Reference number : XXXX reported in Experian and XXXX Bureaus that is NOT MINE. It should be noted that I have never filed for a BANKRUPTCY and the number listed that I have no idea what it is and it is not clear to me why this is even on my credit file, my best guess is that a comparable person with a name similar to mine filed for bankruptcy and somehow got listed on my credit report account fraudulently, this person must have also filed this Bankruptcy in an effort to attempt to clean up the account opened, and perhaps to open another account in the future. I called the XXXX XXXX Bankruptcy Court located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXXXXXX XXXX XXXX Phone number was XXXX. The court has DISCHARGED this Bankruptcy because I was not the one that filed this public record. Please remove this bankruptcy from my credit report now! This has caused me nothing but trouble!
Product: Debt collection

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 credit bureaus and found that these ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) were reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove them from my personal credit file. Thank you. 
ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX -Balance {$170.00} ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX {$100.00} ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX -Balance {$100.00} ARS ACCOUNT RESOLUTION ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Credence Resource Management has fraudulently sent my name to collection. I have been harassed by phone calls for months for bills I have never received or never have incurred. They claim I owe {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting on my credit report. Sent 1st dispute letter with certified mail Receipt XX/XX/XXXX. NO RESPONSE from Credit Bureau. Sent 2nd Letter ( 30 Day past due - NO RESPONSE LETTER ) as well as notification of inaccuracies still reporting and demanding deletion of account. STILL NO RESPONSE! Sent Letter # 3 on XX/XX/XXXX certified mail again demanding deletion of the account as the credit bureau had obviously not verified with the creditor. The account inaccuracies were showing multiple months of " XXXX '' which illegally re-ages the account. By not replying to the consumer as requested within the allotted time frame, violating the FCR Act as well as their willful non-compliance and violations of not doing their due diligence of investigating and verifying said account with the reporting company ... .. the account must legally be deleted from my credit report!
Product: Debt collection

On XX/XX/XXXX I sent Certified Mail to all 3 Credit Bureau. Equifax / XXXX and XXXX. Requesting verifiable proof of the original signed consumer contract. Under the FCRA, Section 609 ( a ) ( 1 ) ( A ). And of today XX/XX/XXXX none of the 3 major Credit Bureau havent provided any original signed consumer contract.

Company : XXXX XXXX XXXXs / Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX Balance {$7000.00} / Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In reference to Complaint XXXX the response by TransUnion was not complete and the credit reporting agency is still breaking the Consumer Credit laws. My Method of Verification request sent on XX/XX/2018 has been ignored repeatedly. 

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business or third party vendor name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

TransUnion has yet to provide the information above as required by FCRA 611 TransUnion needs to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 

This is a very simple request and one that will reveal that TransUnion is violated FCRA and Privacy Laws. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 3 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a account opened at XXXX XXXXXXXX XXXX {$8600.00} on XXXX the account number XXXX, an a collection opened at XXXX XXXX XXXX $ XXXX XXXX the account number XXXX, and another account opened at XXXX XXXX XXXX XXXX XXXX XXXX {$000.00} under the account XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies.. 

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XXXX CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit reporting or other personal consumer reports

All hard Inquiries and all collections and charge offs need to be removed from my credit report immediately because it's violating my consumer rights and is inaccurate information 1 XXXXXX/XX/XXXXXXXX 2 XXXX XX/XX/XXXXXXXX 3 XX/XX/XXXX XXXX XXXX 4 XXXX XX/XX/XXXX XXXX 5 XXXX XX/XX/XXXX XXXX 6 XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX EQUIFAX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of an account on my credit report attributed to XXXX XXXX. After carefully reviewing my credit report, I have identified inaccuracies in the information reported, and I request the immediate removal of this account from my credit history.
Product: Credit reporting or other personal consumer reports

Please be advised that this letter serves as my good faith effort to resolve discrepancies regarding this matter in accordance with my rights under 15 USC 1666 ( b ) and 15 USC 1692g of the Fair Credit Billing Act ( FCBA ) and the Fair Debt Collection Practices Act ( FDCPA ), respectively.

Nature of the Dispute Billing Error and Negligence ( 15 USC 1666b ) : Upon review of the account and billing details, I have identified significant inaccuracies that constitute billing errors with XXXX, Equifax, XXXX. These discrepancies indicate negligence in handling my account, which has caused undue hardship and damage to my financial standing. 

Per the FCBA ( 15 USC 1666b ), I am exercising my right to dispute these errors. I request that you investigate this matter promptly, as I was NOT provided a written clarification on the specific charges, along with evidence validating their accuracy.
Product: Checking or savings account

My problem is that I currently have a hold on my account because I cashed a check that I cant provide a contact number for and when I did it wasnt accepted because it is not verifiable under the business but the real problem is that Capital One bank literally has cashed these checks for me on multiple occasions and I never not even once had a problem with it being cashed I even contacted the management team there and had some checks taken of of hold and released to my account earlier then expected and now all of a sudden I believe it is an act of retaliation because I wrote a previous complaint on them under a different email account and they totally did not properly dispute fraudulent transactions that were done on my account where I even filed multiple police reports on those transactions. Literally they are finding out that I filed a complaint and now they are holding my funds that I deposited literally they have a hold on {$920.00} dollars and they all of a sudden want to verify the check but cant seem to do so and they already cashed the check by the way literally cashed the check and deposited the funds into my account and took there funds from me being negative {$65.00} dollars they took there payments and refused to allow me to access my money. They are abusing there authority and my trust and rights are being violated in so many ways. They are completely unprofessional and they have to be reacting in retaliation because all Im asking is that because the funds were clearly deposited into my account and they clearly took the money I owed them that I am given access to my funds immediately because this is not my first check there were multiple as in lots of them from the same company before this incident. Now all of a sudden I am having trouble with them. Its either prejudice or retaliation and I cant believe that they took there money like it was good enough to pay them and actually deposited the money in my account but wont let me use my debit card that is an abuse of authority and violation of my rights nowhere in there disclosures does it say they can do that. I want this published because I am retaining an attorney after this if this issue is not fixed ASAP please thats all i am requesting and they wont have to worry about me ever again because Im so disappointed with there service
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : PEOPLES LOAN AND FIN Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX that was opened in XXXX  is not being reported to Equifax and hasn't been reporting for nearly 2 years which has caused damage to my credit score over the past 20 months. I have reached out to both XXXX and Equifax to remedy the matter but of to no avail. Their negligence is causing me to suffer.
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Regarding Dispute Case # XXXX To : InComm and Vanilla Gift Card Disputes Team Dear InComm and Vanilla Gift Card Disputes Team, I am writing to formally lodge a complaint regarding a recent issue involving my Vanilla Gift Card. My name is XXXX XXXX XXXX, and I previously filed a dispute with your Customer Care Department under case number XXXX. 

The situation I am facing is quite distressing. An amount of {$3500.00} was stolen from my Vanilla Gift Card while it was in my possession. Unfortunately, when I was at my cousins house, someone pickpocketed me while I was asleep, subsequently depleting the entire balance on the card. 

Given the circumstances, I am urgently requesting your immediate attention and action to resolve this matter. I am asking for restitution or, if possible, an expedited recovery of the stolen funds. The loss of this amount has caused significant financial strain, and I hope that you will prioritize the resolution of my case. 

I trust that InComm and the Vanilla Gift Card Disputes Team will act promptly and fairly to rectify this issue. Please let me know if any further information or documentation is needed from my side to assist in the investigation. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

on multiple occasions i have disputed inquiries on my reports by mail, phone and online. requests havent gotten the items removed. my personal information has been exposed in data breach ( s ) with XXXX, as well as other online affilates of CRA 's such as XXXX and similar websites. Also XXXX XXXX had a fraudulent inquiry on my report which has been addressed and removed. These inquiries on my reports unfamiliar to myself are circled in the atteched ducuments and need to be removed from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian, XXXX, & XXXX in writing and provided documentation that my mortgage with XXXX XXXX  was not late in early 2023. XXXX XXXX  had misapplied several payments as " principal only '' which lead to a delinquent status showing in XXXX or XX/XX/2023. This has since been corrected on their end, and the documentation has been provided to Experian, XXXX, & XXXX. 

Experian, XXXX, & XXXX is responding with form letters stating the account history has been updated but has failed to actually update the acct history. This is causing my family financial harm. 

We have had an unrelated account closed due to this inaccurate information which remains on my credit report and are continuing to suffer financial harm due to the impact this has on our credit score.
Product: Checking or savings account

I went on a trip it was a hold on my account for {$100.00} the money was in my account and because I didnt know that they did not took the money navy federal charged me an overdraft fee that I had to payback when I signed up for no overdraft fee
Product: Credit card

On XX/XX/XXXX, my XXXX XXXX account was charged {$25.00} for an automatic payment for a XXXX  credit card that I did not open and did not authorize. I financed the purchase of a home security system through XXXX in XX/XX/XXXX but same day, realized it was a scam so I paid the balance in its entirety and have not heard from the company since. I opened my XXXX account today and saw that they sent me a message ( within their platform ) in XX/XX/XXXX saying that my statement was available. I opened the statement and there were no charges at all in XX/XX/XXXX. The statement from XX/XX/XXXX contained a charge of {$49.00}, which I presume is the fee for maintaining an account. I never received notice of this balance, so I carried it through to XX/XX/XXXX. Somehow, my XXXX XXXX account has been linked to auto pay, so I was charged {$25.00} and a balance of {$24.00} remains, which is {$24.00} in fees and {$.00} in interest. Again, I never opened this account nor did I authorize it. I have already reported this to XXXX XXXX.
Product: Credit card

On XX/XX/year> I paid {$500.00} on a deposit with JP Morgan Chase XXXX XXXX on a JP Morgan Chase Freedom credit card ( it is also a Visa card ). The deposit was a hold for going through the mortgage application process. Over the next XXXX weeks the mortgage lending team continuously added more requirements to their process and regularly moved the goal post on what I needed to do to get the mortgage application to a closing date. After XXXX weeks and still very far away from I decided it was best to use a different mortgage lending company. 

According to Chase XXXX XXXX the deposit is nonrefundable if the applicant voluntarily withdraws their application. I'm arguing their lack of customer service and regularly adding additional requirements on the application gave my wife and I no choice but to withdraw our application. 

I went to dispute the charge on my JP Morgan Chase Freedom XXXX and their representative said they would not be allowing the dispute due to the nonrefundable part of the application. 

Since I was asking XXXX division of Chase to dispute a credit card charge from a different division of Chase I don't believe my argument of not having any real choice but to withdraw our mortgage application was given any real consideration.
Product: Debt collection

I am a student loan borrower with Navient, and I make my payments on time every month with no outstanding balance. 
However, Navient has called me on 3 separate occasions trying to locate another borrower who is in no way associated with my account. ( I have Navient in my contact list and they appear on my caller ID as being from Navient. ) I told them the first time not to contact me about other people 's accounts. They said " Okay '' and we hung up. The second time they called me about the same account, and I advised them not to contact me unless it was specifically about my account, at which point the caller from Navient said " What account are you talking about? '' I told them not to call me again and we hung up. The third time they called I again advised them not to call me regarding this person 's account and hung up. I have other friends who are being contacted by Navient about this person 's account who also have no connection with the Navient account in question, and I will be advising them to also file complaints with the FTC.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/2024 ]. 

According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XX/XX/2024 XXXX BANK XX/XX/2024 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports.

These inquiries were made without my consent and do not meet any permissible purpose under this section.