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

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

I am writing to address the late payments that are currently listed on my credit report. After reviewing my credit history, I have noticed that there are several instances of late payments reported for the following accounts XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The creditor is Citibank NA who closed my credit card accounts without giving any explanation except that my account is restricted. I called them more than 5 times to get the reason and they kept saying that I didn't update my information and they couldn't keep my account open. This is not correct because I stayed on the phone for 3 hours transferred from one department to another trying to figure out what happened, and no response was provided. the phone calls were between XX/XX/XXXX, and XX/XX/XXXX. I also tried to open a business account with the same creditor, and they denied it for the same " restriction " reason that no one was able to explain to me- '' the credit privileges on your existing account ( s ) are currently restricted ''. So now I have a closed account after being with the same creditor since XXXX, with exceptional history, and denied a new account based on bogus reasons. 
I look forward to your action. 
thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 or other personal consumer reports

XXXX fXXXX Has violated the faith in the public trust and ignores commercial laws. I assert That My status needs to be reported as active with good standing only on any public form. XXXX XXXX lack of disclosure and false and misleading business practices have been fraudulent and a form of extortion, You simply can not bind any minor into any agreement without showing proof that you have performed on your duties and that their is proof for mutual benefit. XXXX XXXXl as acted not as a securities transfer intermediary but as a debt collector and loan shark and solicited private consumer information. XXXX XXXX must also provide recession provisions you can not ignore letting the minor or any party know their duties acceptable practices and terms of cancelation. XXXX XXXX has taking Estate credits and issued them to the beneficiary did not give the full value of the credit, sold or transferred the note and private information and extorts the beneficiary to make him seem as the trustee and further defraud ESTATE Property. Beneficiaries are due reconciliation for damages payable immediately and un demand. XXXX XXXX has neither provided proof verified by XXXX party or AFFIDAVIT of truth on any points beneficiary has made sticking to the principles and starting with showing that they have the promissory note in its original wet signature form, and that the funds credited were from XXXX XXXX prior assets ; date and time of the XXXX meeting with share holders that provided XXXX XXXX to lend from these assets, the beneficiary is also a shareholder of XXXXXXXX XXXX and was not notified of this meeting nor approved of this extortion. The trust relation ship is expressed as given notice publicly recorded within county court. all family members and accounts were carried out in this manner and an immediate investigation of Tax evasion should be warranted Immediate return of all property is demanded. They have claimed charged off funds with the internal revenue service and never issued a 1099-C to the beneficiary, then sent XXXX XXXX XXXX XXXX information to continue to extort funds from the beneficiary. CO- conspirators known as credit bureaus ( XXXX XXXX Equifax XXXX shall be subject to the same fines of fraud yet not limited to any violations they are guilty of. XXXX XXXX is also continuing to garnish wages from labor and report this being paid as agreed with negative collection statuses continuously renewing and continuously lowering " credit scores publicly damaging to the XXXX ''
Product: Student loan

Hi ; I just call because I have a lower payment years ago. Then i have difficult payments with the expiration number card that i put to pay monthly. Now i call to consolidated my loans and have a goo payment to pay again my loan. Then require my personal information and i said that i have a lot of things that i have to pay monthly. 

The company send me a communication and send me 2 payments methods to high for me to pay. I also say that i can pay $ 120 monthly for my loan. When they tell me that i have to pay {$290.00} monthly. Honestly i need your help because i dont have that money to pay my loan. 

Please let me know how you can help me. my email. XXXX Thanks!!
Product: Debt collection

XXXX XXXX XXXX. makes daily calls to me cell claming that I owe a debt. The caller will not give me any information about said debt over the phone without my giving my social over the phone. I have requested that they provide me with the debt information in writing and have not received it. I have been informed that XXXX XXXX XXXX. is now filling a writ of garnishment against me.
Product: Debt collection

Bayview Financial Loan Servicing is a predator debt collector. 
An unsecured SBA disaster relief loan was paid in full in XXXX. In XXXX of XXXX I received a re-instatement letter from Bayview Financial Loan Servicing for a commercial loan for a property with no address in XXXX ( I have never lived, worked or owned anything in XXXX ). and there was {$240.00} delinquent on the loan. I called the SBA loan dept and they told me the loan was paid in full with no outstanding balance. I explained that to Bayview Financial who in turn placed a charge off on credit report and repeatedly refused to remove it. Now as I am trying to refinance my house and I can not with this derogatory issue on my credit report - it states it is a real estate charge off. When I called again to dispute it, the supervisor at Bayview stated they now have found another new charge off for the same loan with a new amount of {$590.00} that will now be reported to the credit bureaus. The credit bureaus report whatever is given to them no matter how incorrect or wrong it is. This is absolute extortion and Bayview has no one to account to.
Product: Debt collection

accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Im challenging and questioning Experian investigation and reinvestigation procedures of my disputes and Experian failure to follow the statutory process under FCRA, based on the events that had taken place within the last two months. I believe, Experian is in violations of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( FCRA ). 
In particular, I XXXX XXXX claimed that : Experian within the last two months, willfully or negligently violated the FCRA by failing to follow reasonable procedures to assure the maximum possible accuracy of information on XXXX XXXX credit report. 

Based on one or more of these undisputed facts. I XXXX XXXX claim that Experian willfully and/or negligently violated the FCRA. 

On or about On XX/XX/2021, Experian received my dispute on a Bankruptcy credit item, contained in Experian records. Experian acknowledge my dispute in its website by providing Estimated Resolution Date : XX/XX/2021. 

On XX/XX/2021 Experian claims to have finish its investigation and updated the disputed Bankruptcy credit item stating that The company that reported the information has certified to Experian that the information is accurate The dispute for the bankruptcy named US BKPT CT CA XXXX XXXX was not changed as a result of our processing of your dispute. 

On XX/XX/2021 under Report Number : XXXX. Experian acknowledge my reinvestigation dispute on the Bankruptcy credit item in its website and by sending me an alert via email. 

On XX/XX/2021, Experian claims to have finish its investigation and updated the disputed Bankruptcy credit item stating AGAIN that The Company that reported the information has certified to Experian that the information is accurate This Bankruptcy credit item has not been flag as " DISPUTED '' Experian ignored and did not honor my formal request in writing to explain who, what, how and when Experian send my dispute to the US BKPT COURT ( Government Agency ) Experian ignored and never provide me with ( 1 ) What procedure Experian use to verify all the information in this BK Reference Number : XXXX. ; ( 2 ) The name and address of the Company that purportedly certified to Experian that the BK information is accurate ; ( 3 ) A copy of such certification ; ( 4 ) The name and address of any third-party data provider or furnisher providing this BK data, and the way was provided.

Experian has ignored and continue to ignore my request to provide me with a true and complete copy of my entire file contained in Experian Records True and complete copy of the certification of the company that certify the DATA to Experian as accurate the Bankruptcy credit item, and the procedures Experian Maintains to assure maximum accuracy in my credit report, specifically on the Bankruptcy credit item DATA reported by this unknown company under Reference Number : XXXX Additionally, I requested Experian to provide me with a description of how Experian had verified the Bankruptcy credit item under Reference Number : XXXX
Product: Checking or savings account

Unable to use XXXX to save money via PNC bank due to a new change
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


INQUIRIES : XXXX XXXX XXXX XX/XX/year> I believe these items are either inaccurately reported or have already been resolved, and I respectfully request a thorough investigation and correction. I have contacted both the credit reporting agency and the data furnisher, but the issue remains unresolved. Attached are screenshots of my credit report that highlight the inaccuracies. I appreciate your attention to this matter and kindly request a prompt update to my credit report, as accurate information is crucial for my financial well-being. Thank you for your consideration.
Product: Mortgage

Intentional delay of the mortgage recast process. I have followed the recast procedure, paid the necessary curtailment principal and processing fee, yet there is nothing has changed and my inquiries have continually been met with " unknown difficulties '' and inevitable delays. 

XX/XX/24 Called Shellpoint Mortgage at XXXX to inquire about the process and fees of recasting process. I was informed that a {$5000.00} minimum is needed to initiate the recast as well as a {$250.00} fee. Once payment is received, recast should take 1-3 business days for new monthly payment to reflect on Account. 

XX/XX/24 I decided to proceed with the recast proceed. I called Shellpoint Mortgage at XXXXand make a principal curtailment of {$5700.00} and fee of {$250.00} totaling {$6000.00}, and submitted the signed authorization form. I was informed that I would received a confirmation of the recast in 1-3 business days. 

XX/XX/24 No recast change made and I called Shellpoint Mortgage at XXXX to follow up. I was informed that there is an unknown technical difficulty and that a ticket has been submitted to fix it. Recast should take an additional 1-3 days once the fix is completed. 

XX/XX/24 No recast change made and I called Shellpoint Mortgage at XXXX to follow up. Representative confirmed that the technical difficulty has been resolved, and recast should take an additional 3-5 days going forward. 

XX/XX/24 No recast change made and I called Shellpoint Mortgage at XXXX to follow up. Representative confirmed that all steps have been completed, unsure why the recast has not been applied, and informed me that a ticket has been submitted and recast should take another additional 5-7 days to complete. 

XX/XX/24 No recast change made and I called Shellpoint Mortgage at XXXX to follow up. I spoke with representative XXXX, who informed that all steps have been completed, but no action has been taken since and she is uncertain why this is. I have now been informed that I would receive an update by mid-XXXX. 

I have followed every aspect of the recast process as required by the company, and I have spent more than three hours on the phone in six separate occasions dealing with this matter. Disappointingly, I was met with continual and seemingly intentional delays even though the funds for principal curtailment and process fee have been taken at the first instance. This level of service is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My lender has tried to pull an Experian credit report/score. Despite a long credit history and living in my currently OWNED residence for nearly 20 years, Experian is not " finding '' me by my social security number. Furthermore there is no way to reach a live person at Experian or even email them with issues. Its like a black hole trying to get this situation resolved.
Product: Debt collection

In XXXX XXXX, we received two notices from XXXX XXXX XXXX indicating they are a debt collector trying to collect on two bad checks : one notice indicated a check was written on XXXX XXXX, XXXX, at XXXX, in the amount of $ XXXX, and it was returned with a " stop payment ; '' the other notice indicated a check was written on XXXX XXXX, XXXX, at XXXX in the amount of $ XXXX, and it was returned due to a " hold on funds ; '' there is an additional {$30.00} with this transaction for " returned check fee. '' After receiving these notices, my wife went to the credit union that we bank with. They had received no notification regarding these checks and also pointed out these check numbers are not in sequence with our current checks. We were very confused and concerned as to why we received these notices. On XXXX, my father told us that his checkbook was stolen when his house was burglarized in XXXX XXXX, a few days before the checks were written. He said the local Police Department had contacted him asking if a certain person was on his checking account. He told them " no, he had no idea who this person was '' and the officer said thank you. My father then went to his bank, as he was concerned that someone was using his stolen checks. The bank closed his account and refunded him for the one check that did clear. My wife and I at this point realized that my name was on my father 's accounts at his bank and the notices I had received from XXXX XXXX XXXX were in regards to the checks that had been stolen from my father and were being used fraudulently. My wife filed a police report on XXXX XXXX, XXXX, with the Police Department for these fraudulent checks and the crime committed against me. There is also a police report for the break-in at my father 's house. 

On XXXX XXXX, XXXX, I sent a letter to XXXX XXXX XXXX via fax and certified mail indicating these checks were stolen, fraudulent and forged. I included both police report numbers in my letter. I also included correspondence from the bank indicating that check # xxxx was not written by anyone authorized on my father 's account. I also explained that the account was closed which is why check # xxxx was returned. I told them to cease any collection processes and requested written correspondence that collection procedures had been stopped. XXXX XXXX XXXX sent me correspondence dated XXXX XXXX, XXXX, indicating " this debt was incurred by you or someone acting with your authority and was NOT due to forgery, fraud or identity theft. You are still responsible for paying this debt. '' They further indicated " As a result of this investigation, XXXX XXXX XXXX XXXX XXXX. considers this dispute resolved. We will assume you agree with this finding unless we learn otherwise from you. '' These checks were clearly fraud and forged and I feel I am being harassed by XXXX XXXX XXXX. We have good credit, have never been pursued by a collection agency for any reason and are very reluctant to continue communication with this company.
Product: Credit reporting or other personal consumer reports

Please see attachments regarding 1803 Capital and blocking my personal info from consumer report because of a breach of over XXXX XXXX records, my information being shared on the XXXX XXXX and multiple breaches of other companies, along with a fraudulent address on my XXXX report being used as mine.
Product: Credit reporting or other personal consumer reports

I created this new CFPB account since I lost my access to the other one. From now on, this will be my only CFPB account.

I just checked and reviewed again my Equifax credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Account Information Under FCRA Section 623 Dear TransUnion, Equifax, and Experian, I am writing to formally dispute the reporting of the account listed below, which appears on my credit report. 

Creditor Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX According to Section 623 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of information have a responsibility to provide accurate and complete information to credit reporting agencies. This account violates the FCRA because I never received a XXXX Cancellation of Debt form from XXXX XXXX XXXX XXXX XXXX XXXX 

The failure to provide this documentation before reporting a canceled debt is not only inaccurate but also unlawful under the FCRA. As a result, I am formally requesting the immediate removal of this account from my credit report. 

Please provide written confirmation that this account has been removed from my credit report. If you fail to address this dispute promptly, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Open credit card with bank credit limit was {$200.00} XXXX  company changed credit limit and say i owe XXXX and also filed lawsuit in XXXX XXXX NY and claimed they served me they didn't as well as false documents they filed in court they had threatening letters with false amounts i cleared up my credit and went to court to settle this issue after doing a credit check they refused and case was thrown out without opposition company is collecting false debt approved and obtained a judgment falsely that was later thrown out yet they still are trying to collect and increase debt on credit they falsely created as well as refuse to settle and still try and collect Company is LVNV Funding L.L.C
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a dispute request to Equifax about a debt that was already paid off on XXXX, but it wasn't removed.
Product: Credit card or prepaid card

Ollo Card Services, XXXX XXXX XXXX, XXXX XXXX NY XXXX has always said my payment is late and charge me a fee ; even though I mail it in plenty of time. I have complained to them but they just say mail it earlier. This month, I mailed it TWO WEEKS before due date and they still said it was late. I think they are doing this deliberately to charge me a fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax exposed my social security number and personal information and waited a month to announce the leak. I was not notified in any form that my information had been compromised and had to find out from the news.
Product: Checking or savings account

I noticed an account has been opened without my consent. Truist does not have an email listed online. I did not open an account with BBT or Truist. I received a text from them about logging in. See screenshots attached of text.
Product: Credit reporting or other personal consumer reports

I created my online access to all three credit bureaus ( Equifax, Trans Union, Experian ). For the purposes of rectifying all my personal information which there are many many mistakes on my reports. This is the reason i believe there are a couple negative items that are not supposed to be on my report which are causing my scores to have dropped significantly.