23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I always kept the mortgage paid months in advance. We had the home up for sell and had a contract for it so I did not pay the payment in the month of XXXX as the invoice showed XXXX due XX/XX/20 anyway. When the house did not close in XXXX, I then paid a payment in XXXX for the bill due XXXX and then paid another payment in XXXX. The account was current and showed the next payment due on XXXX when the house sold and closed on XX/XX/20 and the loan was paid in full. 
At no time was this houses payment in arrears as evidenced by the statements which I have attached. 
When the lender reported it to the 3 bureaus for both myself and my spouse they showed it in arrears for as much as 89 days from XXXX to XXXX and ruined our perfect credit. They dropped our scores over 74 points on all bureaus. 

Company is NewRez LLC but they report as Shellpoint Mortgage to the bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$890.00} ( Original Creditor : XXXX ) XXXX*Balance Owed : {$100.00} ( Original Creditor : XXXX ) XXXX Balance XXXX : {$170.00} ( Original Creditor : XXXX ) XXXX Owed : {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion and XXXX XXXX system has majorly violated my credit report by reporting this inaccurate account. 

This account was deleted from my credit report and re-inserted which is a violation under FCRA 611 part A, 5 B ( ii ) by failing to provide a written notice within 5 days Further more they added this account back and reported a late payment it is impossible for a collection to report a late payment. 

They have also re-aged the date of last activity which should reflect the last date a payment was made. 

Furthermore I have no knowledge of this collection and do not have any agreement with advance recovery system. It is a violation to assume that I owe a debt that hasnt been properly validated
Product: Checking or savings account

I have repeatedly asked USAA via email and telephone to close my checking and savings accounts, and they refuse to do so. They will not explain to me why they won't close the accounts, but every time I ask to get them closed, they don't do it. I have even mailed return receipt letters to them to close the account, and they won't do it. I do not want to ever bank with this institution again, and I resent every time they email me or send me a statement. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Rocket mortgage ran mine and my wifes credit without consent. I explicitly stated that I did not want my credit ran and this time for a refinance. They instead pulled both of our socials from there information ( Im a current customer ) and did it anyways.
Product: Money transfer, virtual currency, or money service

My wife made a purchase online and paid Via XXXX for {$1000.00} but we never received our purchase and the seller changed his contact info we contacted our bank Chase as well as XXXX and neither of them has helped. 
They both claim to protect our money but neither one of them could help me with this scam. I am very frustrated with both of them. I will never use XXXX again for anything
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

XXXX : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$26000.00} XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$26000.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX TransUnion : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$100.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$26000.00} XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

What Happened? 
I am filing this complaint against XXXXXXXX XXXX XXXX XXXXXXXX due to inaccurate and unverifiable information being reported on my credit file. Despite my multiple disputes, the company has failed to provide proper documentation verifying the accuracy of this accounts details. 

Key Issues : 1. Unverifiable Account Information This account has inconsistent and unverifiable details reported to the credit bureaus.

Under FCRA 611, if a furnisher can not verify an accounts accuracy, it must be deleted from my credit file.

2. I Have Never Missed a Payment I have never missed a payment on this account, yet it is being reported in a way that is negatively impacting my credit. 
If there is no late payment history, there is no justification for negative reporting or continued reporting of unverifiable data. 
3. FCRA 607 ( b ) Violation Maximum Possible Accuracy The reported balance, account details, and payment history are inconsistent across credit bureaus. 
Credit bureaus must ensure information is as accurate as possible, and XXXX XXXX XXXX  has failed to meet this standard. 
XXXX. Failure to Provide Proof of Accuracy I have disputed this account multiple times, yet XXXX XXXX XXXX XXXXXXXX has not provided any supporting documentation verifying its accuracy.

Under FCRA 609, I have the right to request documentation proving this account is valid and accurately reported. 
If XXXX XXXX XXXX  can not provide proper documentation, the account must be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an erroneous collection reported to credit karma by XXXX. The collection is not on my credit file but credit karma will not remove it from their site. Trying with both companies several times has had no resolution. I have taken screen shots of this just today and it's still there with credit karma telling me they woyld correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and when I checked my credit report this account is showing as a negative account. I contacted XXXX, XXXX, Equifax and the original creditor XXXX XXXX XXXX and they all have been negligent and havent removed this account. It is negatively effecting my financial sitatuion which is causing emotional stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I visited an auto dealership For XXXX, I finally decided to trade my XXXX XXXX XXXX for the XXXX. After the dealership checked my credit report, I was informed that I had a recent collection added to me account, that significantly impacted my credit score. 

When I returned home, I started investigating and seen that a " XXXXXXXX XXXX  '' had contacted the three credit reporting agencies, XXXX, XXXX, and Equifax to add a collection of XXXX dollars to my credit report. resulting in an ( XXXX POINTS REDUCTION ) due to the collection. 

Trying to resolve this with the XXXX XXXX representative, I explicitly explain. NO ONE EVER CONTACTED ME, I NEVER HEARD OF THIS, I was informed by the XXXX XXXX Representative, that XXXX XXXX have sent numerous letters/notifications to my current address since XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX, PA XXXX. 

The Ironic thing is I DIDNT MOVE TO PENNSYLVANIA UNTIL XX/XX/XXXX ( work relocation ), HOW IS THAT POSSIBLE??? 
The bottom line is, NO ONE FROM XXXX XXXX, EVER CONTACTED ME, THEY CIRCUVENT WORKING TO RESOLVE THIS AND SIMPLY ADD THIS TO MY CONSUMER 'S CREDIT REPORT. as soon as I became aware of this, I immediately paid the XXXX dollars, which I would have done, IF I HAD KNOWN THERE WAS AN ARREAR from a XXXX apartment. 
The representative from XXXX XXXX, informed me that If I paid this collection, the would remove this from my consumers credit report, I PAID THE COLLECTION THE SAME DAY, AND IT ONLY SHOWS PAID AND NOT REMOVED, MY CREDIT REPORT AS DECREASED BY XXXX points due to this. 
I'm not disputing if the arrears are mine, I'M SAYING THE PROCESS XXXX XXXX utilizes is against the law, the consumer MUST AVE SOME PROTECTION from lazy credit collection agencies who don't want to contact consumers, just add this negative life changing collections to the consumers account and force then to contact us, THIS IS ILLEGAL, PLEASE PROTECT THE CONSUMERS, THIS IS RIGHT PEOPLE!
Product: Vehicle loan or lease

I refinanced my vehicle back in XX/XX/XXXX with this company and since then they have never reported to the credit bureaus. I called them back in XX/XX/XXXX and they said that they had just migrated to a new system and were trying to get accurate data and they would report to the credit bureaus within the following 6months from the date of my complaint. 1 year down the line and that has never happened. I contacted CFPB for assistance about 10 months ago and the company gave the same response but nothing has been reported. I called their customer care number in XX/XX/XXXX and the agent gave me the same response. I pressed him that that's the same info given to me almost 2yrs ago and he said that's all the response they have from the company. Come to find out that the company doesn't have an actual customer service department, but they have outsourced the service. They don't even have a physical address, just a XXXX XXXX XXXX which they don't even reply to letters when written to. This seems all sketchy and i'd greatly appreciate your assistance. They don't have a problem sending reminders about making my monthly payment to my email and text messages, but no other form of communication even when prompted. 

Atleast they can report to the bureaus since am trying to build my financial credibility.
Product: Mortgage

XXXX XXXX was supposed to assist us with closing a HELOC but then created a word document about us working XXXX XXXX. Which one party on the loan also works for a XXXX  and for requests like that YOU the loan processor are supposed to request that. XXXX literally said she didn't know how to do it and that we had 3 days to get it figured out or she'd close it. This process was less than 3 weeks open. And that harassment was the first time she contacted us. All over a work XXXX XXXX letter? All these requests were given, even the job letter that states its work XXXX XXXX was deniedit seems she trying to not allow our loan to process. And when another loan processor was requested, XXXX XXXX XXXX XXXX we had to deal with it and that we had to harrass our HR for more documents to get a loan. Any institute that I've proceeded with aloan through even Navy Fed has actually done their job but not these 2 ppl. They've went out of their way to lie and herras us to kill the loan. 
They literally were trying to make sure our jobs knew we were taking out loans and trying to sabotage us from getting them.
Product: Credit card or prepaid card

I tried to connect my credit card XXXX to XXXX, but it did not work out. 
So I contacted the Customer Service twice, eventually they added my XXXX number to my contacts, but it turned out I would have to wait for 30 days until my XXXX would start working. 
I consider 30 days is not reasonable delay for the service to start working as other credit cards start it immediately.
Product: Mortgage

I have a home mortgage with XXXX ( Loan number : XXXX ). Basically I paid off some money but they still charge me same monthly payment after 4 months. I call them many times but they dont want to proceed my request. 

I paid off {$100000.00} for my mortgage in last XXXX, and submitted recast request on XX/XX/XXXX. It's been 3 months, and my request is still not completed. Tomorrow ( XX/XX/XXXX ) will be my next payment date. I'm paying 400+ more money every month than I should During these 3 months, i called mortgage customer service many times. They always asked me to wait, or gave me wrong info like " we will finish it by this week/month ''. 

Finally a supervisor helped me last week. She called mortgage department and asked them to complete my case before XX/XX/XXXX. But today when I called them, still no luck. I escalated, they just told me a manager will callback. I want to get my money back, but they dont care and dont want to help me as usual. 

I believe they want to charge me more money every month, and escalation doesnt work. Not sure how long it could be completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Kohls/Capital one charge card, has continuously violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written consent or instruction.

15 USC 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.

The dispute process will continue until my rights are no longer violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made many unscheduled large payments to a major credit card to increase my credit score but 26 points ( in which it did on two of three major credit bureaus ) in less than 30 days, however, one of the the credit bureaus dropped my score by 56 points in which is unusual. My score has risen over 702 on two of the three major credit bureaus, the third one dropped me to 615 by 56 points. I spoke with the customer service agent at, may I say, Equifax, and she stated that I need to make more payments, or that I had a closed account. I stated that I have plenty of closed accounts with a XXXX balances, and they were paid off in a timely fashion. The agent could not nor showed effort to investigate the issue. I stated that possibly Equifax might have been hacked again, and the agent stated not at this time. Please advise why my credit score dropped 56 points with Equifax unexpectedly or why their process is so different.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests in Equifax Credit Bureau, the unverified inquiry listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This is the inquiry that needs to remove from my report immediately. 
XXXX XXXX XXXX-Date of inquiry XXXX XXXX, 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate report and this is not filed by a Third-party I just reviewed my credit report and there are some hard inquires that I do not recognize XXXX BANK XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXXXXXX XXXX XXXX  ( Bank XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX  BANK ( Bank ) XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested to remove negative reports on my credit score due to the satisfaction of the debt that was owed. Payments have been paid and this creditor continues to report negative on my credit report. I have asked to have it removed.
Product: Payday loan, title loan, personal loan, or advance loan

This agency deliberately and intentionally offered me a high interest loan knowing I would not be able to pay it back. I believe they are loan sharking.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there are hard inquiries that I had from companies that I did not give my consent to and that I don't have an account with at all.. that makes improper use of my report.. 

XXXX XXXX XX/XX/2019 Bb & t dealer XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX  XXXX- XX/XX/2019 XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX card - XX/XX/2019 XXXX - XX/XX/2019 XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX XXXX.
Product: Debt collection

Some years ago, I had my purse stolen. I reported it to the police department when I resided in Florida but  whomever the person was still open things in my name and I did n't find out until later . At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I discovered on my credit report a fraudulent XXXX XXXX XXXX account in the amount of {$4300.00} that began on XX/XX/XXXX. I filed an FTC report reporting this fraudulent account to XXXX, XXXX, and Equifax. All 3 credit reporting agencies removed this fraudulent account from my report. this inaccuracy was reinstated on my report in XXXX. 
I again disputed this fraudulent account with the 3 credit reporting agencies requesting proof of an agreement creating a debt between XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Accordingly, the credit reporting agencies nor XXXX XXXX  XXXX were able to do so because such agreement does not exist. The account in question is claimed to belong to my father XXXX XXXX not me, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent a letter to my father, XXXX XXXX XXXX that they confirmed statements were mailed to the address that was provided for this claim and payments have been made on the account and that they were unable to approve the claim. I then filed another FTC report describing the same fraud information report that I submitted in XXXX, and resent a dispute letter disputing this fraudulent account, along with the new FTC report. XX/XX/XXXX Equifax responded saying the information that I provided as proof of my identity did not match the info they had on file. they asked me to send them two different items to verify my identity, copy of my W-2 and a copy of my Driver 's license. I provided these 2 items to Equifax, along with a copy of my birth certificate, social security card, utility bill, XXXX XXXX XXXX XXXX and sales information pertaining to my address proving that i am in fact XXXX a XXXX XXXX and not XXXX XXXX, along with the letter that they sent me. In addition to proof of identity, i provided identity theft report ; identification of such fraudulent information ; and a statement that the information is not information relating to any transaction by me pursuant to 15 U.S.C. 1681 c-2- ( a ) which requires such fraudulent information to be blocked.

In violation of 15 U.S.C 1681 s-2 ( B ) and 15 U.S.C. 1681c-2- ( a ), XX/XX/XXXX Equifax sent me a letter stating that this disputed information was verified as accurate and that dispute was frivolous. Proof of an agreement creating debt between XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was never established
Product: Checking or savings account

On XX/XX/2022 a XXXX XXXX with XXXXXXXX XXXX and also XXXX, XXXX and XXXX XXXX XXXX obtained my banking information and charged an unauthorized transaction of {$340.00}. I do not know this person. The number XXXX is for an XXXX XXXX The numbers and chat service for company do not work. My bank institution Bank of America has not reported as Fraud when I have fraud protection. A customer service rep had me open another account and move my monies and get a new debt card. I went to Bank of America on XX/XX/2022. It was an 1 hour wait to see someone then a 30 min wait on the line. I was not assisted by a customer service rep. I was told to login to my phone select fraud and number was dialed. After waiting for 30 minutes the rep was customer service not fraud. No one available in the fraud department. The rep at the bank stated she would contact fraud with me but instead had me login to bank WiFi and click on fraud and put me in an office by myself to handle the issue. She never returned to help and I did not know I was speaking to customer service. She stopped helping me an XXXX XXXX of the XXXX community to help someone that did not speak XXXX XXXX. When I asked for her help I had to wait. The two calls made on XXXX the reps were not in the fraud department and did not open a claim from the fraudulent transaction. But sent the issue to check fraud when the transaction was not completed by check.
Product: Debt collection

On XX/XX/XXXX I've received a letter from I.C Systems INC. stating that there is a debt collector trying to collect a debt from me in the amount of {$1500.00}. After doing some research to see if there are licensed in my state of Florida. I.C Systems are not licensed in the state of Florida. 

According to the FCCPA If the debt collector is not licensed in the state of Florida, they are violating the FCCPA and in turn violating the FDCPA. Each violation carries a {$1000.00} statutory damages provision for each violation, which in this instance is each call or contact by a non-licensed debt collector. It is recommended at this point to contact an attorney who regularly handles these types of claims against debt collectors. 

I filed a complaint with Florida 's Office of Financial Regulation and with Florida 's attorney general to take legal action.