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

XXXX Equifax XXXX To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$150.00} with XXXX and {$100.00} with XXXX and Equifax. Also XXXX shows a different account number. This is illegally reporting in several ways. Nothing between the XXXX credit bureaus is accurate and match up down to the late payments that should not be reporting on a charged off account because it is already late by default. But you have Equifax reporting a payment XXXXXXXX XXXX XXXX then XXXX reporting that same month as a charge off. Then in XX/XX/2023 XXXX reports that the account is 150 days late and Equifax reports 120 days late. But again there should be no late payments on a charged off account. I have included the letter from the creditor stating that what they reported is accurate and that any problems after are the fault of the bureaus. I need this removed now. This is a direct violations of my rights and illegal. You are suppose to report 100 % accuracy and this is far from that. 
Account Name XXXX Account # XXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and XXXX XXXX XXXX requirements.
Product: Mortgage

My mortgage was sold by XXXX XXXX  on approximately XXXX to Specialized Loan Servicing.

Specialized Loan Servicing erroneously paid an insurance bill ( previously paid by XXXX XXXX  ) which resulted in an escrow shortfall. I received a refund from the insurance carrier and sent those funds back to Specialized Loan Servicing to be deposited into our escrow account. Those funds were deposited into our escrow- thus curing the deficit. 

However, Specialized Loan Servicing had already requested an increase in our payments to cover the escrow shortfall. The new payment amount was {$1800.00}. 

Specialized Loan Servicing transferred our loan to Shellpoint Mortgage approximately XX/XX/XXXX. 

After numerous contacts, I requested a new escrow analysis and received a new payment statement from Shellpoint Mortgage indicating that as of XX/XX/XXXX, our monthly payment would be {$1600.00}. ( After having paid the erroneous higher payment amount for 3 months. ) Since XX/XX/XXXX, the following payments were made : XXXX XXXX, XXXX to Specialized Loan Servicing = {$1600.00} for XXXX, XXXX XXXX XXXX, XXXX to Specialized Loan Servicing = {$1600.00} for XXXX, XXXX XX/XX/XXXX to Specialized Loan Servicing = {$1600.00} for XXXX, XXXX XX/XX/XXXX to Specialized Loan Servicing = {$1600.00} for XXXX, XXXX XX/XX/XXXX to Specialized Loan Servicing = {$1600.00} for XXXX, XXXX Received notice of new erroneous payment amount from Shellpoint. 
XX/XX/XXXX to Specialized Loan Servicing = {$1800.00} for XXXX, XXXX XX/XX/XXXX to Specialized Loan Servicing = {$1800.00} for XXXX Shellpoint claims to have refused or not received the XXXX XXXX payment from Specialized Loan Servicing Received notice from Shellpoint Mortgage of new payment amount of {$1600.00} as of XX/XX/XXXX XX/XX/XXXX to Shellpoint Mortgage = {$1600.00} for XXXX ( unapplied to account ) XX/XX/XXXX to Shellpoint Mortgage = {$1600.00} for XXXX ( unapplied to account ) XX/XX/XXXX additional payment to Shellpoint Mortgage = {$1800.00} for XXXX because Shellpoint 's escrow notice had led me to believe that no payment was due for XXXX. 
XX/XX/XXXX to Shellpoint Mortgage = {$1600.00} for XXXX ( unapplied to account ) Shellpoint continues to claim that I owe an additional {$460.00} - and they say that their computer system will not allow my regular monthly payments to be " applied '' until the additional {$460.00} is paid. I do not owe an additional {$460.00}. 

I have spoken with three different representatives at Shellpoint Mortgage since XX/XX/XXXX in an effort to clear up the mathematical problem. I was told that Shellpoint was running a new escrow analysis which could take quite some time to complete. 

Because Shellpoint has not deposited my payments for XXXX, XXXX, or XXXX against my principal and into my escrow account ( and are holding those funds as " unapplied '' ), my escrow account will soon appear to be in deficit - allowing Shellpoint to send me another " escrow increase '' notice. 

We have received written notifications from Shellpoint of our rights in the event of foreclosure. 

I haven't checked our credit report, but will be doing so.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX ( XXXX ) XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to Block and Remove Unauthorized Bankruptcy Information and Intent to Sue Dear Experian, I am writing to formally request the immediate blocking and removal of inaccurate bankruptcy information from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ).

The details of the disputed entries are as follows : 1. **Bankruptcy Filing XXXX - **Type** : Chapter XXXX - **Status** : Dismissed - **Date Filed** : XXXX - **Reference # ** : XXXX - **Court** : XXXX XXXX CT AR LITTLE R - **Amount** : {$0.00} XXXX. **Bankruptcy Filing XXXX - **Type** : Chapter XXXX - **Status** : Dismissed - **Date Filed** : XXXX - **Reference # ** : XXXX - **Court** : XXXX XXXXXXXX XXXX XXXX XXXX XXXX - **Amount** : {$0.00} XXXX entries were not reported or furnished by the bankruptcy court, and I have not authorized any of these charges. Furthermore, these filings were made without my consent, involving the misuse of my personal information. 

Under Section 605B of the FCRA, I request that you block and remove all information related to these unauthorized bankruptcies. This information must be removed within XXXX business days of your receipt of this letter. 

Additionally, I intend to pursue legal action under FCRA Section 611 ( a ) ( 1 ) due to your failure to respond appropriately to this dispute. According to the law, I am entitled to seek statutory damages of {$1000.00} for the inaccuracies reported. 

Please treat this matter with urgency and provide written confirmation that these entries have been removed from my credit report. 

Thank you for your immediate attention to this serious matter. I look forward to your swift response. 

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

Recently after pulling my credit report I noticed Transunion re-inserted two previously removed accounts on my credit without properly notifying me within 5 days by mail that they were doing and nor the reason. Due to the EXTREME violation of my rights under the FCRA LAW Part ( A ) ( 5 ) ( B ) ( ii ) to avoid LITIGATION for failure to notify me of the re-insertion of the following items I expect them removed permanently. 

XXXX XXXX XXXX XXXX XXXX XXXX were removed from my credit report in XX/XX/2022 and recently added back with no communication whatsoever. 

This notice shall also be sent via certified mail to companys address.
Product: Credit reporting or other personal consumer reports

Corelogic submitted inaccurate information to XXXX XXXX XXXX Concerning tenant screening, which caused me to have my application being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts 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 accounts or information which is found to be opened 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 ( learned through more research both parties require ). Please block/remove the following items : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On Thursday XX/XX/XXXX, I started an interaction with a woman on XXXX named XXXX XXXX. My intentions were to purchase some concert tickets she was selling for a show that was the same night. I got proof of purchase and decided to use pay pal in case she was scamming me. Turns out she needed the money as soon as possible but the funds were unavailable to her immediately. It said they should be in her account by XX/XX/XXXX. We went back and forth after I had already sent her {$80.00} and she never sent me the tickets and proceeded to block me from XXXX. All of our messages are now partially unavailable because her account was deleted. I will include the messages I sent her but it will sound a little confusing because you cant see her responses. If she hasnt received these funds, I would REALLY appreciate a refund if thats at all possible. Thanks for your time.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please Remove and Delete these accounts immediately as they were opened fraudulently without a valid written signature of the original contract. I never had a contract with these debt collectors for any debt. Please provide proof from the original creditors that these debt collectors own these debts with the purchase agreement and have the legal authority to collect it or delete these accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX- XXXX XXXX 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive REACH OUT TO EXPERIAN SEVERAL DIFFERENT TIMES ON THIS MATTER OVER THE PHONE AND I ALSO SEND COPY OF MY CORRECT INFORMATION AND STILL NOTHING BEEN DONE. IT BEEN 3 MONTH AT THE LEAST AND EVERY TIME I CALL IN I GET THE RUN AROUND. I DO I HAVE EXPERIAN MEMBERSHIP WITH THEM SO I AM ABLE TO VIEW MY CREDIT REPORT ON A DAILY BASIC. THE INFORMATION THAT IS INCORRECT IS MY EXPERIAN CREDIT REPORT IS MY LAST NAME WHICH THEY DONT LIST MY WHOLE LAST NAME BUT PARTS OF IT. IVE CALLED IN AND EXPLAIN TO THEM AND THEY STATE THAT ON MY CREDIT REPORT IT SHOWS MY FULL LAST NAME BUT WHEN I EXPLAIN TO THEM ON MY PERSONAL SUMMARY ON MY CREDIT REPORT IT SHOWS MY NAME AS FOLLOW XXXX XXXX XXXX WELL THAT NOT MY LAST NAME AT ALL. MY LAST NAME IS XXXX MY FULL NAME IS XXXX XXXX XXXX OR IT CAN BE XXXX XXXX XXXX  XXXX BUT THEY ARE MISSING THE XXXX ON MY LAST NAME WHICH IN TURN I DO HAVE A MEMBERSHIP WHICH IS MY MEMBERSHIP NUMBER IS XXXX WHICH I WAS TOLD THAT THE ONLINE PART HAS MY INFORMATION INCORRECT WELL IF THAT THE CASE CAN THEY UPDATE THAT INFORMATION. I CANT EVEN DO A 3 BUREAU TO SEE WHAT IS ON MY OTHER CREDIT REPORT WITH EXPERIAN DO TO THE FACT MY NAME DOES NOT MATCH ON ANY OF MY OTHER CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

cc XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX other XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Product: Prepaid card

I submitted complaint XXXX on XX/XX/ and still have not received a response from the company. Ive reached out to XXXX XXXX at ( XXXX ) XXXX ext XXXX and never receive an answer or a callback despite leaving several voicemails. She also never responds to the email XXXX since sending the email acknowledging my dispute on XXXX XXXX XXXX  I called prepaid services and they told me that the response was sent to the wrong address, which was the basis of my initial complaint and the reason for claims XXXX and XXXX in the amount of {$15.00}, XXXX. They were supposedly resending to my proper address, but I have yet to receive it or the requested documentation used for the denial or any of my statements. Case XXXX should be reopened because its clear fraud occurred and that the bank is still erroneously sending my information to the XXXX XXXX XXXX XXXX address. The guy living there now luckily had not thrown it away and I was able to get photos of the letter and completely disagree with the decision. Please, credit my account for the disputed funds or I will be seeking remedy through civil court. This is my final attempt to resolve this issue outside of court. And please stop sending my account and personal information to an address not associated with my account or my unemployment claim in any way!
Product: Debt collection

LVNV FUNDING LLC XXXX XXXX XXXX WAS CONTACTED XX/XX/2020 BY EMAIL IN REGARDS TO A FRAUDULENT ACCOUNT THAT POPPED UP RECENTLY ON MY CREDIT FILES. I SPOKE TO THEIR REPRESENTATIVE NAMED XXXX XXXX AND STATED THIS ACCOUNT DOES NOT BELONG TO ME. XXXX STATED THEY COULD NOT LOCATE THE ACCOUNT SO PLEASE PROVIDE MORE INFORMATION. I SUBMITTED THE INFORMATION REQUESTED AND SCREENSHOTS OF THE ACCOUNT ON MY CREDIT FILES BY EMAIL. I SUBMITTED MY FTC REPORT TO LVNV FUNDING / XXXX XXXX XX/XX/2020 IN REGARDS TO THIS FRAUDULENT ACCOUNT BUT NO CALL OR EMAIL. I AM REQUESTING THIS TO BE REMOVED FROM MY CREDIT FILES AS IT IS AFFECTING ME AND MY FAMILIES LIFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type XXXX XXXX FCRA violations : names not mine XXXX XXXX FCRA violations : accounts not mine XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$340.00} XXXX XXXX account. {$340.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX  account. {$630.00} past due as of XXXX XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$400.00} XXXX XXXX account. {$400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX account. {$12.00} XXXXXXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$610.00} Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$150.00} Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$400.00} written off. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} Status XXXX. {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a letter in XXXX to dispute incorrect information that two creditors have reported on my recent reports. XXXX XXXX reporting late payment for XX/XX/XXXX and XX/XX/XXXX. XXXX credit card showing late payment for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX on my credit report with XXXX XXXX and Transunion multiple times with no proper response or investigation or re investigation. I am asking once again to have XXXX removed from all XXXX CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown. The loan started with XXXX XXXX the day they collapsed. Then was handed off to. XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX these XXXX were shut down by the federal Government, XXXX XXXX XXXX, and Last XXXX. who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting. Please provide legal documentation or remove from my credit report.
Product: Debt collection

This company calls me and asks for information before they will talk to me and it seems like a scam. They did not introduce what company they were with until I asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.