23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2024. I received an alert from XXXX that a new account had been reported on my XXXX Credit Report by the company AFFIRM INC for {$130.00}. I have just been a victim of fraud activity with my Bank. XXXX XXXX  XXXX XXXX ). And when I called XXXX  XXXX XXXX, I was told that these individuals who had access to my information, had my name and social security number and had attempted to open a credit line with my name. XXXX  XXXX XXXX took care of the situation. A few later, I received an alert from XXXX that a new account had been reported on my XXXX Credit Report, by AFFIRM, a company I have never used or heard from.
Product: Credit card or prepaid card

Back in XXXX of 2018 when I turned XXXX years old I applied for a AMEX credit card. Amex approved me for a blue cash everyday credit card with a {$2000.00} dollar limit. I was working at the time and making a living. I made 10 on time payments with that credit card until one month I lost my job and I could no longer make the monthly payment. This resulted in making one late payment for the month of XXXX in the year 2018. Through this hardship I tried to reach out to AMEX to see if they could work with me and forgive the late payment that happened almost 2 years ago out of a goodwill gesture and see if they could forgive my very costly mistake. Fast forward over 2 years later, I have made 20 on time payments and they still can't see past my one costly mistake. I have made an effort to make all my payments and be a responsible borrower, I would like to show AMEX that now at the age of XXXX I am a great person and I am someone who they can trust again.
Product: Credit reporting or other personal consumer reports

TransUnion has fraudulently added an account to my credit report that is not mine, according to FCRA and consumer laws 15 USC 1681i the time to respond to my dispute has passed and it has defamed and damaged my credit.

This needs to be taken off of my credit report immediately. It is a fraudulent charge and 15 usc 1681 supports this statement
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a dispute made in error nor is a third party credit repair working on my report. I am working on repairing my own credit report. Please honor my request and stop sending me letters stating that my disputes and concerns are made in error! I was looking at my credit report and noticed that there are multiple inaccuracies and violations of the fcra on my credit report. I did not give any person or representative of any reporting agencies my consent to have, obtain, and or use my non public personal information. According to the fcra and one that want to furnish any information on my consumer report I need my written consent which they do not have. I have a right to privacy and that has been violated as well. I did not sign any contracts with the reporting agencies nor did i do business with the companies that are reporting the alleged debts. The items that are being reported are fraud and can not be proven to be truthful by demonstration The below accounts are inquiries are being reporting fraudulently and accurately. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have disputed this account numerous times with all ( XXXX XXXX XXXX XXXX XXXX. It is reported by XXXX XXXX that in XXXX, XXXX, XXXX, XXXX of XXXX the payments were XXXX days late. I have called XXXX XXXX XXXX times to only be told an account with my Social Security number, Vehicle ID Number, Name, birthdate - does not exist in their system and does not exist in their archives. I even called today : I called XXXX XXXX on the phone number listed on their website ( XX/XX/XXXX at XXXX pm ) - I was asked for my Name, Phone number, Vehicle ID Number and my Social Security number and nothing came up. They asked me to call : XXXX, I spoke to XXXX ( XX/XX/XXXX at XXXX : XXXX pm ) that could not find an account associated with my XXXX or Social Security number and she asked me to call : XXXX XXXX. ( XX/XX/XXXX XXXX pm I spoke to XXXX XXXX who stated there is NO ACCOUNT OR VEHICLE IN THE SYSTEM TO MATCH MY NAME AND SOCIAL SECURITY NUMBER> DELETE THIS ACCOUNT FROM ALL ( 3 ) CREDIT REPORTING AGENCIES OR I WILL SUE. I have filed numerous DISPUTES with the Credit reporting agencies only to come back CLOSED AND UPDATED I asked for Debt Validation- NONE EVER GIVEN, I have asked for a PAYMENT HISTORY, THEY CAN NOT FIND IT. I Have been disputing/ contacting for over 6 months as the negative reporting on my credit history has made my credit score suffer and I had to get a higher interest rate on my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 letters on XX/XX/XXXX and XX/XX/XXXX to Genesis FS Card Service regarding Acct # XXXX and which they have violated The Cares Act by that they are not to report late payments to the credit reporting agencies during that time and I was positive for cover at the time. Its not supposed to reflect on my credit report and therefore must be updated to actively reflect a clean positive payments history. NO 30 day late payment on XX/XX/XXXX which is current and consistent with The Cares Act. Genesis card services sends a letter saying they can't show favoritism and remove the 30 day late pay? Is Genesis Card Service aware that they are violating laws? 
Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX  many times experian refuse to delete theses accounts According to FCRA section 605B it is illegal to report information on my credit report without my permission. 2 theses account was fraude but i paid off and have ben remive from all credit menus from experian 2 accounts from XXXX. XXXX third account from XXXX XXXX what was a false a unacurate infrmationhave ben removed from others bureau menus from expirian repossetion account
Product: Debt collection

On XX/XX/2023 ( National Credit Adjust LLC ) Flagged my account as collections for the amount of XXXX This amount was charged off about 2-3 months prior to this showing up. For a 7 and a 1/2 year old debt with XXXX XXXX XXXX XXXX This company is trying to collect on a charged off account! 

XXXX XXXX is also responsible for Selling this account to them after the charge off date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Alleged Amount owed XXXX No actions have been taken XXXX XXXX XXXX XXXX XXXX amount owed XXXX No actions have been taken I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I presume that no proof of the alleged debt nor there for any such debt in fact there for exist. In this particular case this matter should be eradicated and resolved to a XXXX balance. All negative reporting 's should be removed from all credit profiles immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a payment of {$490.00} to Bridgecrest auto for my car loan which I was advised by a Bridgecrest rep was the amount due to avoid a late reporting. The rep said it was for {$490.00} today. On today I received an alert stating that Bridgecrest reported my payment 30 days late. On XXXX it states that I am {$50.00} late which is inaccurate. I called Bridgecrest and asked if they could please fix the 30 days late. I had never asked for anything to be removed or updated on my report, I was told no. The 30 day delinquent has dropped my credit score significantly on one of my reports by as much as XXXX  points. I would just like to get some help with getting my reports updated to current.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX Auto Dealers, New XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX All Banks XX/XX/XXXX Experian XXXX XXXX All Banks XX/XX/XXXX Experian
Product: Debt collection

Blitt and Gaines XXXX XXXX XXXXXXXX XXXX the number on the credit card was stolen I was notified by XXXX of this they cancelled out the number were supposed to send a new card never did continue to pay amount on bill then XXXX stop accepting payment then they blow the amount to {$5700.00} dollars you try to explain the situation then the finger pointing starts with XXXX and XXXX XXXX Blitt PC and I'm caught XXXX XXXX middle all they have to do is look in there computer and they will see it but again neither one will do that my wages are garnished now which is wrong they dropped the ball not me.you can't talk to neither of these XXXX  right now
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30  days late as of XX/XX/2017 I am not sure how this occurred. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, under creditor 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 an 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 card or prepaid card

On numerous occasions I was pre Approved for a credit card & then denied once I ran the application. The app with misleading information was credit karma. It is still offering loans and cards pre approved but they are not that.
Product: Credit reporting or other personal consumer reports

Mistakes on my credit report involve hard inquiries I never approved. To align with 15 USC 1681c-2, I request their removal.
Product: Mortgage

Dear CFPB, I am writing to file a formal complaint regarding Shellpoint Mortgage 's mishandling of my mortgage loan account and their failure to resolve the issue despite multiple attempts on my part to address it. 

Shellpoint acquired my mortgage loan a few months ago, and I have been experiencing issues with the accuracy of my account since then. The specific details are as follows : Loan Amount Discrepancy : On XX/XX/XXXX, I contacted Shellpoint 's customer service after noticing that my monthly payment amount, contractually set at {$380.00}, had inexplicably increased to {$720.00} on their online account portal. I had not been late on any payments and was confused about why the payment amount had suddenly increased without explanation. I submitted an inquiry through Shellpoint 's account portal to address this issue. 

Delayed Response : When I contacted their customer service center, I was informed that the issue would be escalated to the correct department for further research, and I would be contacted. However, instead of receiving any resolution or response, I was sent a bill for {$720.00}. I called back on XX/XX/XXXX, but due to high call volume, I wasn't able to speak with an operator. I followed up again on XX/XX/XXXX and was informed that Shellpoint was aware of the error with the XXXX loan department and that the issue would be corrected soon. 

Uncredited Payment : Additionally, I requested an audit of my account because I noticed that I was not given credit for a previous payment of {$220.00} that I had made with my previous lender. I have the bank statement proving this payment, yet Shellpoint only credited {$570.00} to my account when I paid {$800.00}. 

As of today, Shellpoint has neither corrected my account nor provided any follow-up communication regarding the matter. My account remains inaccurate, and I am deeply concerned about the impact this may have on my credit and financial standing. 

I am requesting that the CFPB investigate Shellpoints handling of my mortgage loan account, ensure that my payments are accurately credited and that the correct monthly payment is reinstated. I am also seeking a prompt resolution and clear communication from Shellpoint regarding the steps they will take to fix this situation. 

Thank you for your attention to this matter. I look forward to your assistance in resolving these issues.
Product: Debt collection

Caine & Weiner violated my right as a consumer. On XXXX, the mailed a letter informing me of their intent of collecting a debt and on XXXX, i mailed them a notice alerting them of their unlawful debt collection practice and asked them to stop such collection practice immediately. I also included an affidavit, notice of fault and opportunity to cure and a cease and desist notice which can found in the attachment. Insipid of all that, they ignored my cease and desist notice. evidence can been from an XXXX credit report pulled on XXXX. XXXX XXXX, Assistant Director of the The Office of Enforcement of the CFPB, PLEASE ADVISE.
Product: Debt collection

keep getting calls from XXXX, when I talk to a representative to explain I do n't know who they are looking for, they put me on hold and never come back. This harassment has been going on for weeks now and they call almost every day.
Product: Bank account or service

On XXXX XXXX, 2015 I opened another Wells Fargo account to be able to cash a grant check to be issued later from XXXX University, as Wells Fargo issued my grant check before with XXXX University, I assume all higher education uses this bank. I opened my bank account with # XXXX, under the assumption that the fraud alert I placed with Wells Fargo was complete & I was issued my money back because Wells Fargo never paid XXXX which was on my credit report until I filed various complaint with FTC, CFPB & FCC. Today I received my debit card & could n't activate it. After calling to see why I was told I owe the bank. I just left the bank & was told by the teller my account is open, but when she tried activating my card she saw a stop on my account & that it was closed. XXXX XXXX States they never received payment & closed my contract which destroyed my credit & now Wells Fargo is issuing another report to credit bureaus about my account their own fraud department issued a credit & found fault on their end & now is claiming that the credit was denied after I was allowed to close my account. I was told at the bank to call another number to get things straightened out & when I called this XXXX number the woman stated same thing without correcting my account & she was in the claims department & wanted me to call another claims number to make Wells Fargo more pay per call & click/impression money! So this is why I am filing complaint again, which is to investigate Wells Fargo & XXXX XXXX banking tactics if you will? Because I just opened an account Monday with {$100.00} & have been lied to again & ripped off! 

Thank you! 

From : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, N.C. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX  Account number # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that a hard inquiry was placed on my transunion credit report. Its for XXXX dates XX/XX/2022. My transunion credit is currently frozen and has been frozen, so there should be no inquiries from any company. I called XXXX  And they do not have any record of a credit pull for me nor any recent requests.
Product: Bank account or service

I recently received a letter with a refund check from M & T bank. It said " On XXXX XXXX, XXXX, the Consumer Financial protection bureau published an order related to certain M & T free checking and totally free checking account open between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. '' And based on the order, I was eligible for a refund of {$56.00}. But {$41.00} has been applied against the overdrawn balance currently outstanding on the account. BTW, this account was closed in XX/XX/XXXX and I was n't aware of overdraft status. Based on a phone call with a bank representative, this overdraft status was resulted by the charges that the bank was order to refund me ( there was {$14.00} charged four times ) and the account was n't closed properly. I feel that it is unfair that they charged me with unfair charges to begin with, then took the refund away from me due to the overdraft charges resulted by these charges. I called them and they deny any of their wrongdoing.
Product: Checking or savings account

I received a text message asking if i authorized a transaction in XXXX, I'm in XXXX at this time, I texted back XXXX replying no. I then received a text message stating I would receive a call from a Chime fraud XXXX. This was not the case, the person i received the call from was actually a scammer and not with Chime fraud. I had XXXX taken out of my account in XXXX transactions to XXXX on XXXX XXXX I sent over the text message I received along with the phone number they called from. I am being denied because the investigators found no wrong doing. This is not correct! I called chime immediately after i discovered i was scammed, they informed me they could not stop the pending transactions and i would have to dispute them once they went threw my account. Now I am being denied. I have also filed a rebuttal twice with the first one being denied also. I attached the XXXX phone number and the text message the scammer called from as well as when i called Chime customer service. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. 
I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit card

There is an account that my name is joint with but I have not been with with person who opened the account in over 2 years but still uses my name for that credit line and I have tried to take my name off the account but I have no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

i stated to XXXX XXXX i never recieved anything from them they should mail me at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX not at ouse address which i told them before and never received a call from them i got all telemarkers block automaticly on my phone and was never requested by anyone at XXXX XXXX to allow them to call so i never received mails or calls
Product: Credit card

Customer Name : XXXX XXXX Social Security Number : XXXX Credit Card Application Reference Number : XXXX Dear Capital One, I am contacting you with regards to the above-referenced application for a Capital One QuicksilverOne Card. You mailed me a letter indicating that this application was denied. I am concerned that this credit denial violated several laws for the following reason : In your letter, you listed a non-decisive factor as your basis for a denial of credit which amounts to giving false and inaccurate information to a consumer. That is a violation of 15 U.S. Code 1611. Particularly, your letter stated : >Based on your application information, application submitted is incomplete or can not be verified Not only is this information inaccurate, it has no bearing on the only legally-valid basis for you to consider in making your credit approval decisions, which is the ability of the consumer to actually repay the debt, so these factors should have never been considered when evaluating my creditworthiness in applying for this credit card.

Under 15 U.S. Code 1681, you have engaged in adverse action by unlawfully denying me access to a line of credit. Pursuant to my rights under that statute as a consumer, I request that you rescind this denial decision and reconsider the above-referenced application for a credit card with the aforementioned non-decisive factors excluded from your determination of my creditworthiness. 

In short, there is no legally valid reason for you not to approve this credit card application, so I am further requesting that you manually approve this application and mail me a new Capital One QuicksilverOne Card to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should you fail to comply with the above-referenced request within 45 days of receiving this letter, you are hereby placed on notice that you may be subject to civil liability under 15 U.S. Code 1691e for violating the Equal Credit Opportunity Act. 

If you have any questions about this process, feel free to call me at : XXXX Sincerely, XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am filing this complaint to address a fraudulent debt collection reported by Hunter Warfield , Inc . This account is listed as being related to an apartment application with XXXX, a property I never leased or lived in. My application was rejected, and no contract was ever entered into with XXXX. Despite this, Hunter Warfield has added a false collection account to my credit report, citing an alleged balance of {$120.00}. 

This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Reporting and collecting on a false debt is not only unethical but also unlawful. I demand the immediate removal of this inaccurate and fraudulent entry from my credit report. 

I have attached all relevant documentation, including the credit report entry showing the false debt, to substantiate my claim. This incorrect report is damaging my credit and financial reputation, and I will not tolerate this baseless action. 

I request urgent action to investigate this matter, confirm the inaccuracy, and ensure this fraudulent account is permanently deleted from my credit history. If no resolution is provided promptly, I am prepared to escalate this matter further, including seeking legal remedies.