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

I just tried to submit a dispute online with transunion credit bureau and they rejected my dispute online and on the phone and my mail. They even did not acknowledge the dispute I had credit sage do for me. I already have a open positive account with XXXX and and positive loan and the collections company XXXX XXXX is reporting a fraudulent account that is not true and I am attaching my current bank statement and todays balance. I request from the credit 15uscs 1681 c-2 to be promptly deleted in XXXX business days. from my credit report at transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently came across multiple unauthorized and erroneous items on my credit report. These items have had a severe negative impact on my credit score and have caused significant financial harm. Specifically, my credit report contains several fraudulent credit accounts that I did not open, as well as charges and loans that I never initiated or received. The cumulative value of these fraudulent items is substantial and has seriously affected my credit score. Kindly review the details below : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken proactive measures to dispute these fraudulent items with both the credit reporting agencies and the concerned creditors. Regrettably, despite providing supporting documentation and evidence of the fraudulent activities, I have not received a satisfactory resolution. These items persist on my credit report, causing ongoing damage. I strongly believe that these fraudulent items are a result of identity theft, which deeply worries me in terms of its potential impact on my financial well-being. Enclosed are copies of the dispute letters I have sent to the credit bureaus, along with documentation substantiating the fraudulent nature of the contested items. Despite this compelling evidence, the credit bureaus have failed to conduct a proper investigation into my dispute and continue to report the fraudulent items on my credit report.
Product: Payday loan, title loan, or personal loan

They have taken an automatic payment from my checking account, and autopay has been disabled for over a month.
Product: Debt collection

I'm unaware of the debt reporting to my credit report under CSS Companies. I did not have an opportunity to dispute this information in fact if the company believes they sent me proper notification I have asked for a certified receipt that I signed for the documents and never received anything since XX/XX/year> through the XXXX  complaint file # XXXX. This is a violation of the FRCA and I want this unknown debt removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDEQ FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 6058,615 ( ) and 623 ( a ) 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swifly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the *Identity Theft Report List of Fraudulent Accounts ''. I am also requesting to be mailed a new credit report to my address of record above.
Product: Mortgage

I have requested multiple times that that Shellpoint report my tradeline to the credit agencies. It refuses to do so based on the fact that I filed a Chapter XXXX in XX/XX/XXXX. At that time my lender was XXXX XXXXXXXX XXXX. I reaffirmed my property and continued to pay my mortgage to XXXX XXXXXXXX XXXX. In XX/XX/XXXX I filed a Chapter XXXX. My mortgage WAS NOT included in the Chapter XXXX. XXXX XXXX XXXX appeared at the hearing and did not dispute the filing of the Chapter XXXX. XXXX  XXXX XXXX then sold my loan to Shellpoint mortgage in or about XX/XX/XXXX. I continued to make my mortgage payments to Shellpoint since that time. I am now discharged from the Chapter XXXX and I have submitted to Shellpoint my final accounting from the Trustee that shows my mortgage was not a part of the filing. Shellpoint refuses to report my credit history stating that I never reaffirmed from the Chapter XXXX filing. I have been paying my mortgage to Shellpoint for five years. Shellpoint has also approved me for a loan modification in XX/XX/XXXX which I refused. As such my mortgage payment is officially reaffirmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your Name Your Address Your Phone # Request for Investigation of Unauthorized Inquiry I checked my personal credit report, which I acquired in XX/XX/XXXX and I noticed several unauthorized inquiry had been made. I contacted companies who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into hard inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry. 1.XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX 4.XXXX 5.XXXX  XXXX 6.XXXX 7.XXXX XXXX XXXX 8.XXXX 9.XXXX 10.XXXX the inquiry  referenced above have been disputed please remove from my report Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Debt collection

I made a payment to a joint account. The creditor applied the payment to the wrong account ( my husband 's personal account ) and has been calling every hour. They are calling from different numbers. I explained to the representative what happened and they have not fixed the issue. They are also contacting my employer. We have never missed a payment on any account from this company. They continue to call and it is now harassing.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the accounts, or inaccurate information, from my file immediately XX/XX/XXXX
Product: Mortgage

Carrington Mortgage is in violation of federal regulation on servicing transfer as well as proper oversight of their vendor plus possible other violations describe below. The servicer failed to properly obtain hazard insurance information [ Insurer, agent, policy number ] after acquire servicing from prior servicer. This resulted in Carrington forced place insurance which is extremely expensive. Further more, Carrington outsource monitoring of the insurance status to 3rd party, which is likely related to the seller of the force placed insurance. This created mis-alignment of interest where loan borrowers are income opportunities for both Carrington ( by mean of moving operating expense to their insurance vendor ) and the insurance seller. 

Carrington 's insurance monitoring vendor ( likely the one force placed insurance ) was in receipt ( twice from me and once from my insurance agent ) of proof of insurance, yet they claimed the document was invalid because it came through incomplete. I submitted through their document website twice while my insurance agent sent it via Fax. This practice is at worst intentional ( how can both website and fax be bad?? ) and at best grossly negligent. 

I am pleading with CFPB to investigate this potential pattern of practice putting Carrington customers at harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$1100.00} XXXX XXXX {$220.00} XXXX  XXXX {$0.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$530.00} CHAPTER XXXX BANKRUPTCY  DISCHARGED XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 synchrony bank stopped sending me bills. I called on more than 2 dozen occasions, they said it could take up to three billing cycles. I never saw anything till some lawyer I never heard of sent me copies. They listed me as uncontactable and behind when I said no bill no payment. They wouldn't fix my online login, they told me they mailed and that's all law requires. At the same time they told me all bills sent were returned. I can't find a consumer rights lawyer near me, I just know by federal law this isn't right or even legal.
Product: Mortgage

I bought property from XXXX XXXX in XX/XX/2010. The locks were changed on my property without any notice to go to Court. Attorney XXXX told the Attorney General that he would go through the correct process for Eviction and that never happened.
Product: Checking or savings account

Chase will not comply with EFTA laws and regulations which states time to report fraud and theft to a financial institution due to extenuating circumstances must be extended to a reasonable time ( 12 CFR 1005.6 ( b ) ( 4 ) ; comment6 ( b ) ( 4 ) -1 ). I have XXXX and during my treatment ACHs in the amount of $ XXXX were taken from the account. The fraud started XX/XX/XXXX. Officials during this time rolled out restrictions due to Covid I was under directive to stay home. Executive order 20-91. Chase shutdown 1000 branches, the branches which stayed open had drive through. Chase had fewer internal control in place to stop fraud less likely to catch suspicious transactions. Even if I could have physically been able I could not have reported the fraud. On XX/XX/XXXX Chase customer service called me about a suspicious transaction I drove to bank to XXXX XXXX branch requested the help of XXXX XXXX he tried for over an hour to file a claim and didnt know how, he said to come back next day. I called XXXX XXXX XXXX and she filed the claim after banking hours. I was not physically capable to provide notification to Chase in XXXX due to XXXX, XXXX and three XXXXXXXX XXXX. The side effects XXXX  left me XXXX XXXX XXXX. Chase implementation of fraud prevention to identify ACH debits was non existent didnt red flag till XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company several times via mail and no response due to two inquiries I noticed on my credit report in XX/XX/2019. I spoke to a customer representative in XXXX who I indicated that there were 2 duplicate credit inquiries on my credit report from them. They were able to search the system to tell me it was a company that requested my credit report called XXXX XXXX XXXX I indicated to them that my identity had been compromised and my bag was stolen which pertained my laptop, wallet and other personal items. In addition there is a fraud alert on my credit report, that does not allow any one to pull my credit unless I authorize it, in which I did not make no such authorization. I also noted that my identity was compromise and I had a police report. As of now these inquiries are still on my credit.
Product: Debt collection

Please see attached. Previous complaints continuously closed out and the requirements from the alleged debt collector were not fulfilled. The company has been notified to cease and desist communications and collection of any alleged debt, and has ignored the cease and desist entirely-please see attached screenshots and documentation. The language is abusive towards me and is in violation 15 1692e, this is affecting my reputation and my health.
Product: Credit reporting or other personal consumer reports

I have filed a dispute regarding one account with Experian several times over the last two months. The Account is with XXXX XXXX. Experian has continued to report inaccurate information on the account, and recent " changes '' they claim to have made to the account only reflect even MORE inaccurate info. 

Experian is showing the account with a repossession in XX/XX/year>, and the same account with a repossession in XX/XX/year>, and a 30 day late payment in XX/XX/year>. The car was voluntarily surrendered in XX/XX/year>, included in a XXXX XXXX  bankruptcy filing in XX/XX/year>, and under protection of automatic stay in XXXX of XXXX. There should be no reporting on the account other than " included in bankruptcy '' for XX/XX/year>, No reporting of a 30 day late payment in XXXX, and XXXX should reflect voluntary surrender.
Product: Checking or savings account

Citibank has failed to pay a promised bonus ( {$400.00} ) for opening a checking account. 

XXXX - Opened checking account XXXX - Made final deposit required to reach the {$15000.00} minimum account balance to receive the bonus. 
XXXX - 60 day threshold passes ; Citi then had 90 days to deposit the bonus in accordance with the terms XXXX - Citi sends a letter ( attached ) confirming that I have met the requirements of the terms XXXX - 90 day threshold passes. Citi has not paid the bonus. 

Attempts since to get Citi to honor their end of the agreement have failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes as well as an FTC report for this fraudulent account. 

- XXXX XXXX ( listed on Experian, XXXX, and XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I financed a new vehicle through XXXX XXXX who is owned and operated by XXXX. The payments on the loan are so high almost unpayable I have defaulted. The current class action lawsuit against XXXX has officially been settled. Because I have defaulted on my loan as of XX/XX/XXXX I qualify for relief. I have also filed a complaint with my states attorney general in regards to the settlement. I originally requested relief in XX/XX/XXXX but didnt receive.
Product: Credit card

Milestones change the interest rate. Know matter what amount I paid on time the interest rates increased. I called on XX/XX/XXXX to close the account. I didnt have a problem never paying on time.know progress of seeing a decrease. Had XXXX XXXX XXXX. This company stress me for the last time. Credit line of {$700.00}. New bill statement XX/XX/XXXX {$800.00}. I talked with an agent on XX/XX/XXXX issues was not resolved. Please email XXXX or call XXXX this company taking advantage of consumers. Very disappointed never was late on any of my payments.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the unauthorized use of my consumer information, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b.

It has come to my attention that you have accessed or used my personal information without my consent or any permissible purpose as outlined under the FCRA. Furthermore, I have no contractual obligation that would authorize such actions. Pursuant to the protections afforded by the FCRA, you are prohibited from obtaining or using my information without explicit authorization or a valid purpose.

Additionally, if my information has been reported to any credit reporting agencies, I demand the immediate cessation of such activity and the correction or removal of any unauthorized entries. Failure to comply may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies for any damages incurred as a result of this violation.

Please provide the following within 30 days of receipt of this letter : 1. A detailed explanation of the purpose for accessing or using my consumer information.

2. Documentation evidencing your permissible purpose, if applicable.

3. Confirmation that you have ceased all unauthorized activities related to my information and have removed any unauthorized reports to credit agencies.

If no permissible purpose exists, I expect an immediate acknowledgment of the violation and steps to rectify the situation. I reserve the right to pursue further legal action if these matters are not addressed satisfactorily and promptly.

Please address all correspondence regarding this matter to me at the contact information listed above. 

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

XXXX XXXX  Is Blocking me From Opening Up Checking Accounts With XXXX, Bank of America, XXXX XXXX, XXXXXXXX XXXX this Account Where Not Open by me All This Banks Account Where Open Fraudulent and i never Gave Permission to this Banks to Open Accounts. with my Permission Please Help me with this XXXX XXXX Denied All My Claims For All This Fraudulent Checking Account and Added The Block back to My XXXX XXXX Consumer Report. a Police Report and Identity Report from FTC Was send And XXXX XXXX   Denied the Information and al the Disputes where denied ...
Product: Money transfer, virtual currency, or money service

Since XX/XX/XXXX, my Coinbase account was locked and now I no longer have access to my coins / funds on Coinbase. I have 4 Ethereum on the account and 4 more Ethereum which I was supposed to receive XX/XX/XXXX / XX/XX/XXXX.  I was ( and still am ) really worried about my Ethereum and they are worth a lot of money and I paid a lot for them and plan to keep them for investment purposes. I emailed Coinbase support the first day but got an automated reply saying I should contact them at https : //support.coinbase.comXXXX so that 's what I did. I did n't get any reply so I contacted them again 35 minutes later and gave them two different phone numbers that they can call me on so I can discuss with them but they just replied saying they are working with a specialist so they can address it properly. I waited over 3 hours and I was really panicking so I contacted them one more time only to get no reply, no call, nothing. I tried to contact one of the Coinbase support members, XXXX, through XXXX that day and still no reply. I contacted another Coinbase support member, XXXX, through XXXX the following day ( XX/XX/XXXX ) and still no reply. I tried to contact Coinbase support again on XX/XX/XXXX and still no reply.
Product: Checking or savings account

On XX/XX/XXXX I deposited {$870.00} into the Navy Federal ATM in XXXX XXXX, Wa. Once the cash was deposited, a screen came up saying transaction canceled. My funds were neither deposited or returned to me. I contacted Navy Federal immediately, again on XXXX, and again on XX/XX/XXXX with no resolution. The agent on XXXX said they had the timestamp of the transaction. I also stated to them that these ATMs have cameras, provided the exact # of bills and denomination types, my physical features and features of the car I was in as it was a drive up ATM. It is unacceptable to not have this resolved. The agent on XXXX stated the responsibility was on the branch but refused to connect me with the branch. ( This branch is the XXXX branch, a XXXX hour round trip ) and the drive up ATM is a standalone ATM. I would like these funds deposited to my account today.
Product: Credit reporting or other personal consumer reports

This account ( XXXX ) was resolved through a settlement agreement on XX/XX/year>, and the agreed payment was made in full to satisfy the balance. However, the charge-off continues to appear on my credit report
Product: Debt collection

A law office attempting to collect a garnishment withholding from a terminated employee called our company 's general support number ( people who have no affiliation with HR or Finance at all ) and asked to be put through to Payroll. Our agent suggested that they reach out to us at our email and they refused, stating " I guess we will just pull the company into court. '' The woman who was attempting to collect the debt even recited the finance number in the attached recording, stating that " We had not returned her calls '' which is a blatant falsehood. Finance reached out almost immediately after the first call and left a message asking for a call back and did not receive one until almost two weeks later on a day when the finance department was unmanned. 

After calling the day after, the agent again threatened legal action without prior notice over the phone. I'm sure the law office will have records of these calls.
Product: Mortgage

Bayview is woefully understaffed for the loans they are servicing. They never answer the phones and it takes and rarely respond to email requests. They have acted with gross negligence handling this short sale request and borrower is being unnecessarily forced into foreclosure due to Bayview negligenc e.