23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Our XXXX XXXX Line of Credit is showing up on our report as if we pay it late. When in fact we have NOT used that account in several years. What happened is in late XXXX XXXX XXXX had a security breach where someone got into our XXXX XXXX  checking/savings account and performed fraudulent transactions. Since the bank did not catch it ... they took it upon themselves to use the line of credit to cover the money/purchases that was being stolen. We called them multiple times when we noticed the money coming out of our checking/savings account and also let them know they should not be using the " inactive '' line of credit to cover these unauthorized charges that were a breach of their system. Once they took it upon themselves to use the line of credit to cover unauthorized transactions, they would then charge us interest on that line. It took weeks for them to reconcile the unauthorized charges and correct their inappropriate use of our line of credit to cover those transactions. It was known that we would not make payments to that line of credit because WE did not utilize the line of credit and wanted to make sure they corrected every transaction and were not attempting to charge us interest on the line of credit to cover the fraudulent checking/savings account transactions. It appears the bank did not record these weeks of conversations in their system because they are showing up on our credit report as if we made late payments to our line of credit. When in fact it was their delay in researching the fraud and correcting the balance amounts across the checking/savings account and the line of credit. 

This XXXX XXXX Line of Credit mark on our credit needs to be corrected. If you research the transaction history you can see we had not used that line of credit for years and their should be a record of the fraudulent activity on our checking/savings account that show that XXXX XXXX ( not us ) accessed the line of credit so any late " payment '' to that account was their late payment ... no ours because we did not use the line of credit and did not do the transactions that bank tried to cover with our line.
Product: Mortgage

We are reporting Shellpoint Mortgage Servicing for fraud. They overcharged our escrow account ( loan # XXXX ) by {$3300.00}. 

I have been trying to recover these funds for the last XXXX months, and have spent countless hours in the process. I eventually recovered {$3200.00}, but Shellpoint still owes us {$120.00} ( see row XXXX in the table attached ) - their Escrow Department now says they cant refund this money because our loan is no longer in their system ( we refinanced with another lender ). 

Please help us to recover the last {$120.00}, and investigate this company for fraud. I think they believe most homeowners wont take the time to find their errors, and cash in accordingly. Can you imagine how much money they make if they charge every loan in their portfolio an extra {$3300.00}?
Product: Debt collection

This is their last opportunity to resolve this issue before I submit a complaint with the court as I will be seeking remedy for these violations. This company LVNV FUNDING is not following the procedures of the FDCPA as they did NOT send me a notification about this debt before reporting it on my consumer report. If the believe that they have then I demand to be shown proof by providing the certified green receipt bearing my signature about 5 business days prior to the initial reporting of this alleged debt. Next, they did NOT send me any verifying and validating information about this alleged debt when I requested it. I specifically asked for the purchase agreement and they decided to send me billing statements which proves nothing. LVNV FUNDING is a collection agency that is purposely violating the procedures of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, without validating/verifying the debt, they have also reported this information on my consumer reports which violates the Fair Credit Reporting Act as they have knowingly furnished inaccurate information to consumer reporting agencies. Lastly, I had requested a cease of all communications from this agency to which they have stated that they would 'honor ' however, it has come to my attention that they are still communicating with me indirectly via the medium of consumer reporting. The FDCPA specifically defines what communication means which is " 15 U.S. Code 1692a -Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. '' Thus further violating the procedures of this act. This is my final attempt to resolve this issue, if this matter is not dealt with promptly, I will be seeking legal action against this agency for unfair, abusive, false and misleading debt collection practices.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ad astra recovery They called me several times and tried harassing me and they put it on collection..now its affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone unknown to me has put me on their account as an authorized user, Inwhich I'm asking the credit agencies to remove / block the following accounts immediately. XXXX XXXX, and XXXX XXXX. I have no knowledge of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I followed up a few more times and again still did not get a response. 

I now have reason to believe that I am getting ignored since it has been more than 120 days with no response by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Product: Debt collection

Portfolio Recovery has called several times a day including Sundays on a debt that has been wiped clean by XXXX due to it being almost 19 years old. However, even with that info Portfolio Recovery still calls and still harasses,
Product: Credit reporting, credit repair services, or other personal consumer reports

I, On XX/XX/XXXX, received confirmation that my account from XXXX  XXXX ending in XXXX has officially been paid off in full. I also have received notice that the account will be resolved, however, I have yet to see any changes occur.
Product: Credit reporting or other personal consumer reports

I am writing to request from the Consumer Financial Protection Bureau ( CFPB regarding the discharge of my student loan and a potential violation of the Fair Credit Reporting Act ( FCRA ). 

I have been facing severe financial hardship due to the student loan being reported on my credit file incorrectly and repeatedly. I received a letter from Mohela on XX/XX/year>, stating that my loan has been paid in full ( attached ). I believe that I may be eligible for a loan discharge based on these financial difficulties and would like to explore this option further. 

Additionally, I recently obtained a copy of my credit report and noticed inaccuracies in the reporting of my student loan account. The discrepancies have adversely affected my credit score and financial well-being. I suspect that there may be violations of the FCRA in the reporting of my student loan information. 

I kindly request that the CFPB investigate these matters and assist me in resolving the issues related to the discharge of my student loan and the potential FCRA violations. I have attached relevant documents, including proof of financial hardship and copies of my credit reports, for your review. 

Please let me know the next steps I should take and any additional information required to facilitate the investigation process. Your prompt attention to this matter is greatly appreciated. 

Thank you for your time and assistance. I look forward to resolving these issues with your support.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. I have the list of accounts that are inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. Below are the names and account numbers who are in violation, and need to be removed off my report, not closed status, but REMOVED. 
XXXXXXXX XXXX XXXX XXXX XXXX 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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these 2 files for a while now and they keep coming back validated, but they have not provided me any proof of what they have to show how they keep validating the account. I filed a FTC report and everything. 
According to 15usc1681b no permission. I am the consumer and I control what is reported on the report. Fraudulently placing on the account is grounds for imprisonment and or {$1000.00} per violation. I will seek remedy for all violations on the account. 
Privacy law is also broken according to the privacy act of 1974 ( 5 USC 552a ) protects personal info by the FEDERAL GOVERNMENT preventing UNAUTHORIZED disclosures of info. Individuals have the right to review such info, request corrections, and be informed of disclosures.
Product: Checking or savings account

XXXX offers investment where yor principal is FDIC insured ( 0 % APY ) but returns are offered based on stock investment. I had deposited {$1000.00} for a year and then I was given {$6000.00} " investment fund '' that I could get returns. So, it would earn returns on an equivalent of {$7000.00} wth me getting back {$1000.00} prinicipal plus returns on {$7000.00}. My account shows that my investement was in S & P500 which had a >20 % return over the year. So, we are looking for a return of about ~ {$1400.00}. But magically the returns disappeared over the months with no explanation on costs or returns. Could you send statements on where the money was invested, what your fees were and like? This company is something SEC/FTC/CFPB should look at.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This 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 consists of 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 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 # ( private case number ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX about a fraudulent company, XXXX XXXX XXXX, based out of XXXX who were improperly handling thousands of consumers accounts and charging clients fees to lower student loan payments. From high fees to improper usage of student loan accounts, the company ran by XXXX XXXX defaulted on a lot of clients student loans from not properly documented student loan information. XXXX has been featured in the news as a fraud : XXXX XXXX XXXX I have contacted XXXX XXXX and have asked the late payments to be deleted as I was unaware of them until months after it appeared of my credit report. Unfortunately, they referred me back to XXXX XXXX who has yet to return a phone call. These late payments are greatly impacting my credit score and causing XXXX as I am wanting to purchase a house soon. Please help me remove these reported late payments from my credit report. I feel as though as my rights are being violated due to being victimized by a fraudulent company.
Product: Debt collection

A XXXX XXXX I disputed is still on XXXX reporting agencies. XXXX was the only one who removed the collection by Enhanced Recovery Company and the date opened on my reports dont match the paperwork they send to me to prove the debt.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Equifax in XX/XX/year> regarding a car loan on my account that should be removed. The car company ( buy here pay here ) competed fraud and was shut down by New Jersey 's Attorney Generals office. When I spoke to someone with Equifax regarding this matter I was told it would take 30 days. We are now in month 4 and no changes have been made or any follow-up regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX 
XXXX is reporting 4 delinquent aaccounts. There are only 2 accounts. One in the amount of $XXXX and other  $XXXX.  The account with balance of $XXXX was paid late by insurance and has been removed from the XXXX XXXX report but still on XXXX. I have sent in dispute.  Company has duplicated both accounts in all credit reports making it appear there are 4 accounts delinquent when actually it's only 2 accounts and as stated above one was paid late by insurance. By doing this it has doubled derogatory items on credit report.  These are also medical bills that are not being reported as medical but instead as regular loan accounts which they are not. MEDICAL DATA SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 
(XXXX) XXXX
Placed for
collection:
XX/XX/XXXX
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION
AGENCY/ATTORNEY
Balance: $XXXX
Date Updated: XX/XX/XXXX
Original Amount: $XXXX
Original Creditor: XXXX XXXX XXXX XXXX 
(Medical/Health
Care)
Past Due: >$XXXX<
Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION<

XXXX 
Date Reported: XX/XX/XXXX
Original Creditor Name MEDICAL DATA SYSTEMS Balance Date XX/XX/XXXX
Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT
Original Amount Owed $XXXX Account Number XXXX XXXX
Amount $XXXX  Creditor Classification Medical or Health Care
Status Date XX/XX/XXXX Last Payment Date
Status UNPAID Date of First Delinquency XX/XX/XXXX
Comments
Consumer disputes this account information
Medical
Date Reported: XX/XX/XXXX
Original Creditor Name MEDICAL DATA SYSTEMS Balance Date XX/XX/XXXX
Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT
Original Amount Owed $XXXX Account Number XXXX XXXX
Amount $XXXX  Creditor Classification Medical or Health Care
Status Date XX/XX/XXXX Last Payment Date
Status UNPAID Date of First Delinquency XX/XX/XXXX
Date Reported: XX/XX/XXXX Original Creditor Name MEDICAL DATA SYSTEMS Balance Date XX/XX/XXXX
Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT
Original Amount Owed $XXXX Account Number XXXX XXXX
Amount $XXXX Creditor Classification Medical or Health Care
Status Date XX/XX/XXXX Last Payment Date
Status UNPAID Date of First Delinquency XX/XX/XXXX
Comments
Consumer disputes  reinvestigation in progress
Date Reported: XX/XX/XXXX
Original Creditor Name MEDICAL DATA SYSTEMS Balance Date XX/XX/XXXX
Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT
Original Amount Owed $XXXX Account Number XXXX XXXX
Amount $XXXX Creditor Classification Medical or Health Care
Status Date XX/XX/XXXX Last Payment Date
Status Unpaid 

Thank You for any help you can give.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit monitoring and realized there's a unauthorized inquiry reporting on my credit report I contacted all 3 Bureau today XX/XX/2022. To let them know that I do not have an account with these two companies and I never applied for any loans for mortgages. I let them know that these inquiries are effecting my consumer credit score. I will faxing a copy of this complaint because, that's what they asked for in order to have the items deleted. 


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

I got a call from someone that I owe money to Wells Fargo on a account that I had and closed 20 years ago. The person said over the phone that they were calling with process of notification service and that I must contact the filling office by the end of the day and if I did not they said they will move forward with filing without my acknowledgement or participation. When I called they told me that I owed {$6000.00} if I go to court or if i pay it right now it would be {$1000.00} for an Wells Fargo account that i closed 20 years ago.They said that they were going to garnish my wages. They didn't even know where I am currently employed at. They also claimed that they sent me letters in the mail about it, but i never received anything on the matter. They never told me who they were and they seem like just want to know when i was going to pay them. I also called Wells Fargo and they looked up my old account and they said that I did not owe anything on that account and it seem weird that I would get a call about an account that old that was closed. Wells Fargo ran the numbers that they call me from in their database and they said it was one of their numbers.
Product: Money transfer, virtual currency, or money service

There are several instances in which cashapp has approved multiple transactions to be flagged as fraudulent and done absolutely nothing to rectify those transactions but instead they've closed my accounts and told me it's my fault and further added insult to injury.
Product: Credit reporting or other personal consumer reports

I have numerous of soft and hard inquiries on my credit report that I havent requested myself. On or about XX/XX/2024 my phone was hacked and everything was compromised ; emails, phone number, banking info and files from my XXXX account that contained pictures of my personal information. I reported it and a fraud alert was issued to the credit bureau. But I still see that some were still able to access my credit file.