23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX information was provided to XXXX XXXX XXXX XXXX XXXX via their web portal and email to dispute a debt alleged by XXXX XXXX at XXXX ( apartment company ). This debt was due to identity theft. They provided documents for a rental application with my name and address, but someone else 's email and phone number. They did not provide any forms with my signature this thief used to apply for the apartment. On XX/XX/XXXX, I spoke with a XXXX XXXX XXXX representative XXXX XXXX XXXX ) to dispute the debt and she stated that this thief used my Social Security Number in the application. I spoke with XXXX XXXX on XX/XX/XXXX after receiving a letter that " you have not made suitable arrangements to resolve the above-referenced debt ''. Although I provided uploaded a copy of documents to provide my identity to the debt collector on XX/XX/XXXX ( tax document with my SSN, copy of driver 's license, utility bills, car insurance with address ) and on XX/XX/XXXX ( police report ) PLUS emailed XXXX complaint and FTC ID theft reports to XXXX ( on XX/XX/XXXX ), they continue report the debt. They reported the debt to the credit bureaus. They alleged that a person with my identity applied for an apartment {$50.00} and the apartment company added another {$100.00} due to insufficient funds. Total debt : {$150.00}. As of XX/XX/XXXX, they continue to report the debt. Other than my SSN, I have not been provided with another other proof of identity this thief used for this rental application.
Product: Mortgage

I applied for a loan modification with Shellpoint Mortgage to resolve arrears on my account. On [ specific date ], I provided updated income documentation showing {$8200.00} in monthly income, which I believed would qualify me for a modification. However, Shellpoint denied my application without explaining why my income was deemed insufficient. 

While my application was still under review, Shellpoint initiated foreclosure proceedings, setting a sale date for my property on XX/XX/year>. This action appears to violate CFPBs mortgage servicing rules prohibiting dual-tracking, where foreclosure is pursued while a loss mitigation application is pending. 

After filing a complaint with the CFPB, Shellpoints compliance department responded with a letter stating they were unable to determine that a servicing error occurred. Their response failed to adequately address my concerns, specifically : XXXX. Why foreclosure was initiated during the active review of my loan modification application. 
XXXX. Why my income of {$8200.00} was deemed insufficient, without any breakdown or transparency regarding the decision-making criteria. 
XXXX. Why no alternative solutions, such as a repayment plan for arrears or other options, were offered to help avoid foreclosure. 

Despite my repeated efforts to engage Shellpoint in finding a resolution, their compliance response appears dismissive and incomplete. This has left me without viable options to save my home, despite my willingness to cooperate and resolve the arrears. 

I am requesting the CFPBs intervention to ensure Shellpoint complies with mortgage servicing guidelines and provides a fair resolution.
Product: Credit card

Bank of America blocks my credit card accounts for unexplained reasons many times. Today they blocked my online banking so I am not able to pay my account online. After spending all day calling, customer service force me to drive to bank every day even I am XXXX and I 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 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 XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnish inaccurate late payments on my credit profile There are procedures to furnish late payments and must be compliance with the law under Timing of payments 15 u.s.c. 1666B clearly states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reason procedures design to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

1. I requested information from 1637 ( b ) 2.I requested mail tracking number that was not provided 3.mail or delivered 21 days or less 4.Periodic statement was not provide 5. 15 usc 1681 s-2 Negative information law requirement I requested information from 1681a ( p ) states Negative information notice must be provided to the consumer thirty days before or after the negative account been reported to the consumer credit report I never got the negative notice XXXX XXXX is in violation 15 usc 1681N willfully non compliance civil liability I put the company on notice they fail to investigate my disputes violations under 15usc1681i
Product: Debt collection

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Checking or savings account

Someone fraudulently opened a MoneyLion account in my name. I found out because I received a debit card in the mail ready to activate. I don't ever want to activate the card. I can't contact support and close my account and report fraud unless I have web login credentials or a card number to get through the phone system.
Product: Credit reporting

For the last two months I have been attempting to have XXXX remove past due information for a student loan and they have only corrected this information off of XXXX and not Equifax. My calls to XXXX, the student loan servicing company go answered but I always receive the same information -- that as of XXXX XXXX, my account is current and in good standing. I do n't understand why they refuse to properly report to Equifax and have the information corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a XXXX account off dealing with XXXX XXXX I called and verified my payment and that they have me paid out
Product: Credit reporting or other personal consumer reports

I trust this email finds you well. I am reaching out once again regarding the unresolved issues with my credit report. 

Despite numerous previous attempts and communications, the necessary corrections have not been made. The late open account and charge-off account continue to affect my credit history negatively, leading to potential financial repercussions. 

I urge you to prioritize this matter and take immediate action to rectify these inaccuracies. It is crucial to ensure the accuracy of my credit report to maintain my financial integrity and credibility. 

I kindly request regular updates on the progress of the corrections and removals. Additionally, I seek confirmation once the necessary actions have been successfully completed. With this, I am asking for your assistance to remove or correct these accounts in my credit file : XXXX XXXX Balance Owed : {$4300.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit card or prepaid card

To whom it may concern : 1 ) My credit card limit was reduced three times, and although I received a notice about the decrease, it was insufficient. After Barclays Bank decreased my credit limit, then I get a notice in the mail, after the fact. 

2 ) The corporate ( office of the president ) representative XXXX XXXX, has been very unprofessional and discourteous. She sent me a letter rudely stating that she would NO LONGER reply to my complaint, which is absurd. 

3 ) The whole experience in Dealing with XXXX XXXX has been horrendous. She is very condescending and unpleasant. She did not specifically tell me why Barclays reduced my credit limit, other than to tell me what 's in the credit report -- which is n't derogatory. I have paid this account and all others on time. She sounded like a broken record and would not adequately communicate with me as a person, but treated me like a robot. 

4 ) My credit line should be restored back to {$10000.00} and should have never been reduced. The next time I get a notice, it needs to be BEFORE they reduce my credit limit, not AFTERWARDS, which is too late. 

5 ) Barclays Bank has caused my credit score, which is relatively high, to lower. This is derogatory against me.
Product: Mortgage

I refinanced with Countrywide XXXX XXXX, XXXX and my home was valued at about {$390000.00}, an increase in value of about {$150000.00}. In XX/XX/XXXX, I applied to Bank of America for a HAMP loan. It was a horrible process. I talked to a new representative every time I called. I was told to skip a payment and it would roll into the final loan without causing any problem to my credit. I was finally given a HAMP loan at 4.25 % interest, increasing to 5 % after 5 years. My monthly payment was reduced by less than {$200.00} ( Principle, interest, taxes, insurance ). In XXXX, XXXX my monthly payment was {$1200.00} for principle and interest at 4.25 %. It is now, after completing in XXXX, XXXX, $ XXXX/month at 5 % interest. My principle was reduced {$5000.00} after completion. I have repeatedly tried to re-fi and I " do n't qualify, '' primarily because of my credit. 
My credit is in a shambles. I have n't had a raise since XX/XX/XXXX and had a 2 % pay cut for almost 2 years. I am an XXXX and have worked here for 28 years. Even so, I have been an excellent customer for BOA since XX/XX/XXXX ( though I fought with them to correct my credit when I skipped a mortgage payment at their request ). 
Now I am trying to get a HARP loan and, again, " I do n't qualify. '' Today I was told that my re-fi was an unconventional loan and did n't qualify with MHA. That is the first time I ever heard that. When I objected, the rep talked to someone a second time and he told me that XXXX XXXX does n't own my mortgage. I checked on the XXXX XXXX site and XXXX XXXX has owned it since the XX/XX/XXXX re-fi with Countrywide. If I do n't, then BOA did something to my mortgage that I was never aware of. 
Over the years, I have been told many different, conflicting things by BOA representatives. After the rep gave me XXXX unrelated reasons why I did n't qualify today, I see no reason to keep talking to them. 
I simply want to be able to afford the home I 've lived in since XX/XX/XXXX. BOA has not helped me, in fact, they have made my finances much, much worse.
Product: Debt collection

I called the company with the original creditor on the line because the original creditor stated the balance was paid and they did not know why the CREDIT COLLECTION SERV was on my report. When I spoke with the gentleman at Credit Collection Serve, he claimed he couldn't talk to me due to the state regulations. I asked him why he couldn't speak to me when they were reporting information on my report and he continued to state he couldn't talk to me. Then the phone some who disconnected when I was asked questions. I believe the rep disconnected the call on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union, XXXX, XXXX XXXX  and etc. never investigated inquires and they willing knew it was a violation of my rights so they are criminally liable and Civil liable pursuant to 616 15USC 1681n civil liability for willful noncompliance any person who willfully fails to comply with any requirement imposed under this title with respect to XXXX XXXX is liable to that consumer in an amount equal to any actual damages sustained by XXXX XXXX as a result of failure and in the case of any successful action to enforce any liability under this section the cost of the action with resonably attorney fees as determined. The Bureaus ( transunion, XXXX, XXXX, XXXX  and etc. ) deletion is admittance to them reporting fraud information on my report
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

On XXXX XXXX, 2015, I sent Experian a certified letter requesting that they investigate information on my credit report as the information is outdated, inaccurate, and or does not belong to me. Experian signed for the letter on XXXX XXXX, 2015, to which I advised them that they had 30days to investigate my request and respond accordingly. On XXXX XXXX, 2015, I sent a follow up letter to Experian in which they signed for on XXXX XXXX, 2015, which i advised them that 30 days have past and i have not yet received proof that they have validated the information. I advised them that in accordance with s.1629e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information known to be false, can not be reported to any credit, bureau, I requested that they immediately delete the information from my credit report. As of this XXXX day of XXXX, Experian has not complied with my request, which is a violation of my rights.
Product: Credit reporting or other personal consumer reports

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : CAPITAL ONE XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
CAPITAL ONE XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
CAPITAL ONE AUTO FINAN XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

File XXXX XXXX bankruptcy in 2021 that was discharge on XX/XX/2021. I was a co-signer of a auto loan from Capital One that was included in the XXXX, I never signed a re-affirmation letter. The car is in possession of the 3rd party who was initially on the contract. That person is currently making payments on the vehicle but has been late on several payments which is now being reported on my credit reports. I have written and call many times to Capital One and each department stated it is not their responsibility with that dept. I am constantly getting the round a round. Capital One has failed to respond to me are my XXXX attorney. According to the Bankruptcy Trustee Capital One is making it difficult to close this case by trying to collect funds that are already included into the loan.
Product: Debt collection

According to 15 U.S.C. 1692c XXXX XXXX XXXX XXXX XXXX, have violated my rights by unlawful communication, please remove this collection off my credit report thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX Account type Credit card 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 602 A Section 2 : its also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I try to buy house and my landing in Bank try to running my credit report from Equifax But its not showing anything I call Equifax 10 times to fix story. I need my information clear in my credit report but no one help me no one fix it. I send it my ID and Social Security overnight mail he take all my ID and nobody fix my problem please. I need help to show my credit report in Equifax. My information is. 
XXXXXXXX XXXX XXXX XXXXXXXX SSN XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX attendant Please help me faster. I dont need to lose my apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 XXXX years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

Experian lists erroneous, highly damaging, information regarding XXXX accounts with XXXX XXXX. I made contact with XXXX via telephone to get the account information for farther investigation some months and they do not know it. I then requested online that Experian validate the debt. They did not provide proof the debt is correct in any way. I would like this information immediately expunged from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$3400.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$27.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX OF XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





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