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

I am writing to formally request that you block and delete specific fraudulent accounts and inquiries from my credit file in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
I am a victim of a data breach and have discovered fraudulent activity in my credit report that I did not authorize. The details of the fraudulent accounts and inquiries are as follows : Fraudulent Account : Creditor Name : XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00} Fraudulent Inquiry : Name of Creditor : XXXXXXXX XXXX  XXXX of Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX reported my payment as late for XXXX but I never got an email or message that the payment I made in XXXX never posted. I still don't know why it didn't post but they should have contacted me to let me know something happened. It could have very easily been an error on their website which is always down with issues. I have never missed a payment on anything and it's totally ridiculous that this was reported instead of alerting me. I demand that it be removed from my credit report. Once I found out the payment never was made I of course paid it and the XXXX Payment.
Product: Consumer Loan

CREDIT REPORTS SHOWING A 30 DAY LATE XXXX 2015. WHEN I PURCHASED CAR, WE WERE GIVEN A 0 % INTEREST FOR 75 MONTHS AND FIRST PAYMENT DUE IN 90 DAYS. WE TALKED OF THIS VERBALLY. BECAUSE IT WAS NOT WRITTEN IN CONTRACT THEY DID NOT HONOR THE 90 DAY NO PAYMENT.
Product: Credit reporting or other personal consumer reports

I have filed disputes to all XXXX credit bureaus since XXXX  about my student loan, which is in good standing. They have my student loan listed as in good standing and in closed and default? How can that be? For 5 years I have been fighting these XXXX XXXX to fix my credit report and yet nothing! As a single mom that is also a XXXX  XXXX XXXX  this is just another form of abuse towards me that is preventing me from buying a house for my daughter and I! I have filed disputes numerous times to get this fixed and they keep saying to call student loans which say it is in good standing. Please help me this Id XXXX!
Product: Debt collection

I had a previous debt with XXXX XXXX XXXX of {$1000.00}. That debt has been paid for more than 4 years and this debt still shows in my credit report.
Product: Credit card or prepaid card

XXXX at Chase Executive Offices XXXX XXXX was the last person I heard from [ a single voicemail left for me and she was and continues to be unresponsive to my follow up inquiry 's ] regarding this ongoing matter [ but there have been 4 or 5 people ; all except XXXX whom never issued a written synopsis of findings and XXXX 's report was quickly disputed again as a violation of law ] an issue which I contend is a violation of Law { FDCRA and FDCA }. Previously I received a bill indicating a charge of {$7.00} resulting from the investigation into disputed charges ( lastly the {$18.00} recorded on the pdf attachments ) all of my disputed charges have been or were dissolved. Now there appears to be that sum of {$7.00} resulting from that final disputed amount { I believe is interest from that time under which the company was obligated to investigate the disputed items or another unlawful fee } that no one wishes to address but instead mailed the attached threat of " Action Neede '' '' : please make payment right away. '' Frivolous on several grounds aside from ( 1 ) the debt is not mine, ( 2 ) not a product of a purchase, ( 3 ) can not be interest as ( 4 ) I never carried a balance, ( 5 ) I do not have that ( 6 ) " credit card account that they refer to as " past due and would like to see " you '' get back on track '' and praying for payment right away without any indication of the genesis of that debt which they also call the ( a ) " past-due '' amount and ( b ) current monthly payment ( c ) that may have resulted from ( d1 ) previous purchases, ( e1 ) balance transfers, ( f1 ) interest charges and/or ( g1 ) fees. Well heck if it is multiple guess, I choose none of the above it results from violations of law nothing less and it needs to be fully expunged immediately!.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open in 2012 and is still on my credit report.
Product: Credit card or prepaid card

In XXXX I was approved for pua unemployment benefit the office mailed me a letter through the mail and it said the card would be here within ten days. I waited and waited no card came so I call to find out and here they sent my card to another address where it was stolen activated the card and spent {$14000.00} and so I called state cops and opened a investigation did all kinds of paperwork for the card center and they are refusing to pay back my disputed transactions I'm a single mother with no support and forced to stay home with my children we have nothing I wan na a lawsuit the kids want a lawsuit this is their fault and my children and I shouldn't have to suffer. I have no money no food my kids have no winter clothing. What do I do.
Product: Checking or savings account

My account was closed all of a sudden because they saw I added a new card and transferred money into my account. I always transfer money into this account so I can pay rent and it is always the same amount around {$300.00} dollars. They closed my account without any warning which caused my rent payment to not go through and I almost got kicked out of my apartment. When I asked them why they said they needed documentation that the deposits were intended for me which I gave them and they said they would get back to me. Weeks later every time I ask them for an update they tell me to send the documentation over again and nothing has been done. There is also no number to contact the review team since they work only though email.
Product: Credit reporting or other personal consumer reports

Child Support of XXXX XXXX placed my child support on my credit report, which is 1. Illegal and 2. Its not credit related and shouldnt be on my credit report.
Product: Credit reporting or other personal consumer reports

Experian & XXXX NEVER Did Proper Investigation according to the FCRA Into the Identity Theft On Accounts with XXXX XXXX XXXX Everything about this account is Inaccurate Dates, Balance down to the status of the account The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this.

Because if they are getting verified information from the same SOURCE why is the information on both Credit Bureaus Inconsistent with whats being reported on my report Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!!

The credit bureaus stated this account was properly investigated but how if I am a victim of IDENTITY Theft They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer reporting agency can not furnish an account without my written instruction. I have not giving anyone permission to furnish any information regarding this mattEr
Product: Credit card or prepaid card

on XX/XX/2021 I called First Progress to settle an outstanding credit card bill. I was told that if I paid the bill in full and not settle that they would agree to remove the account in its entirety. Well the account has not been removed at all from my account. I have called on several occasions and the customer service reps are no help at all and refuse to transfer me to a supervisor
Product: Mortgage

Sold residence in XXXX ; escrow funds were never received. Located funds in unclaimed property, {$2500.00}, with the State of Illinois. Submitted paperwork for signature verification by a notary to firm in  XX/XX/XXXX. Still waiting for documents to be sent to the State of Illinois. State of Illinois has closed claim for a lack of activity. See  below. 

Unclaimed Property Time Line XX/XX/XXXX Discovered unclaimed property on website ; claim filed XX/XX/XXXX Required documents notarized at bank XX/XX/XXXX Mailed documents to State of Illinois to process claim XX/XX/XXXX Received verification form from Illinois via email XX/XX/XXXX Emailed verification form to XXXX XXXX at Dovenmuehle Mortgage Inc. 
Received acknowledgment of email received from Ms. XXXX XX/XX/XXXX Sent email to Dovenmuehle Mortgage Inc. asking for status of claim No response from Dovenmuehle XX/XX/XXXX Called Ms. XXXX at Dovenmuehle for status ; left voice mail ; no response or return phone call XX/XX/XXXX State of Illinois status - dropped for inactivity or duplicate claim XX/XX/XXXX Contacted Dovenmuehle Mortgage Inc. customer service Explained issue to representative asked to speak to a supervisor ; called transferred to supervisor ; no answer ; automated disconnect after preset time ; did not talk to a supervisor. 

Dovenmuehle Mortgage , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 payment was sent to XXXX & XXXX XXXX XXXX bank to pay off the balance for the amount of {$340.00}. 

Included in the check amount was a copy of the statement and the payment was mailed to the processing center XXXX XXXX XXXX XXXX, Florida XXXX. 

For some reason, the check was returned stating the company did not know how or where to apply the payment. A copy of the statement was included so there should be no discrepancy.
Product: Credit reporting or other personal consumer reports

After submitting documentation to have adverse information blocked from my credit file due to XXXX XXXX, I have not received an update and its been more than four business days
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was stolen in the Experian data hack and I was not notified promptly.
Product: Debt collection

Loan servers, now Shellpoint and their predecessors could not release a mortgage note stamped paid in full. When I had the resources to pay them off in full, they could not release the mortgage because they claim there was a title issue. 
Instead, the loan servicers sold servicing rights multiple times, knowing or shouldve known there was a problem with the title. 

Instead of correcting the title issue in XXXX, so the note and mortgage could be paid off in full in XXXX, loan servicers, now Shellpoint, sell the servicing rights and create fraudulent documents, including assignments to different bank trusts mortgage- backed securities. 

Shellpoint claims they have all servicing and previous servicing records. 

I am asking through the consumer financial protection bureau and asking Shellpoint Why didnt I receive a welcome letter when the servicing rights were sold to new residential mortgage XX/XX/XXXX? 
XXXX years later we receive an email. 
Please see email dated XX/XX/XXXX. 

What is XXXX relationship with new residential mortgage mortgage?
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Transunion on XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

XXXX XXXX XXXX, XXXX, CA XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau : Complaint regarding XXXX XXXX XXXX XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Dear Sir/Madam In XX/XX/XXXX, I stopped receiving paper bills from XXXX XXXX XXXX XXXX XXXX. 
Without informing me this company changed to e-bills, and I did not know this had happened. 
Unfortunately, this product has not performed properly or legally and the service was totally inadequate. They then to my surprise and shock, they reported this to XXXX  and my score dropped by 100 points. 

I spent the next months until XX/XX/XXXX to try and remedy this. I made numerous ( up to 30 ) phone calls to ask what's wrong. Either the line was busy, or the wait was over 45 minutes. The operators, once I was able to get through, could not speak English properly and/or they did not understand my questions. Sometimes they even hung up on me. 

To resolve the problem, I would appreciate your help in reversing my Credit Score problem. 

I look forward to your reply and a resolution to my problem. I will wait 3 more months before seeking third-party assistance. 
Please contact me at the above address or by phone XXXX Yours truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am reaching out as a devoted single father to XXXX children, a 90 % XXXX veteran with a significant portion of my XXXX related to XXXX injury and mental health issues. These conditions have profoundly impacted my ability to manage financial responsibilities, particularly regarding my accounts with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

My status as a single parent and XXXX veteran brings unique challenges, including managing our household 's financial needs. Negative entries on my credit report, directly resulting from my XXXX, have significantly hindered my access to essential credit. This limitation has made it increasingly difficult to secure financial products, such as home equity loans or lines of credit, that could vastly improve our living situation by allowing me to consolidate and pay off existing debts. 

The Americans with Disabilities Act ( ADA ) mandates fair treatment and accommodations for individuals with XXXX, and the Fair Credit Reporting Act ( FCRA ) requires accurate representation of an individual 's credit information. The denials of credit I've faced, due to the negative reports from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, effectively act as indirect discrimination. They overlook the impact my XXXX has on fulfilling standard financial norms. 

In light of these challenges, I respectfully request your intervention in advocating for the removal of the following negative entries from my credit report, attributable to circumstances beyond my control : Late payments and closed account. 

This request comes from a place of earnest hope for understanding and accommodation from both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The equitable treatment and removal of these entries, I believe, align with the ADA and FCRA principles. Furthermore, it would significantly aid in securing a stable financial future for my family and me. 

I anticipate a comprehensive review of my case and the hopeful removal of the specified negative entries from my credit report. I kindly request written confirmation of these changes or, if the information is deemed accurate, a detailed explanation of the findings and subsequent steps. 

Thank you for considering my request and for the support you provide to consumers facing financial challenges. I remain available for any further information or clarification needed.
Product: Checking or savings account

On XX/XX/XXXX I wrote a check for {$10000.00} and handed it to a contractor for XXXX XXXX XXXX, as payment for heat pump installation. 

On XX/XX/XXXX the check recipient was altered and it was cashed by a XXXX XXXX. 

On XX/XX/XXXX hi received a letter from the US Postal Service inspector notifying me that the original check had been recovered among some stolen US mail the previous month. I responded to the post inspector with the description of what had happened, and notified SoFi bank the same day. I also contacted the local branch of the XXXX XXXX XXXX, who refused to take a report until I had discussed the incident with my bank. 

SoFi bank did not respond to my initial report. I called them several days later, at which time I was told that the person who had taken my initial report had for some reason not taking the next steps. I was asked to fill out a notarized affidavit describing what had happened, which I had notarized and submitted the next day, XX/XX/XXXX. I was then told that it could take 21+ days before their investigation was complete. I have requested multiple updates and been given no further information. My two most recent requests for updates have not been answered. It has so far been 17 business days since I submitted the requested affidavit, and I am still awaiting the return of the {$10000.00} that was debited from my account due to the check fraud. The company that I gave the check to has still not been paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXXviolated my 609 rights by reporrting incorrect information to TransUnion regarding my credit file. Transunion further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX reported to Transunion that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report. This is a violation on my consumer protection rights.
Product: Credit card or prepaid card

Continuously tried to setup min pymt due with their reps since XX/XX/XXXX, but kept getting billed for the full amt anyhow and the auto debit was screwing up my bank bal. I got frustrated with the back and forth calls to try and get this problem fixed and still not getting anything resolved. I don't feel that the late fees or interests incurred since XX/XX/XXXX should be my responsibility bcs of their negligence. But I was willing to pay the prev bal of {$170.00}, the annual fee of {$110.00} and the last purchase of {$19.00}, plus the fees that could not be waived, for a total of {$340.00}. But the last XXXX, XXXX # XXXX, said that I was only able to make this payment by phone or online on today 's date ( XX/XX/XXXX ) to satisfy my outstanding bal ; however, knowing how unsuccessful its been over call conversations, I asked for this suggested bal amt in writing but was unformed that it could not be done. Again, I'm willing to pay the suggested amount of {$340.00}. I'm just not trusting that Synchrony Bank would not bill me for the remaining charges later on ; thus adding on to the screw-up on my credit report that I've worked so hard to rebuild. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reportingact. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 of convictions or crimes which antedates the report by more then 7 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Experian is in violation of the FCRA ( 15 U.S.C.1681a ( 2 ) b Exclusions- That the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint for you to notify that I am not satisfied with the results on my credit report. I have fulfilled my obligation by bringing these inaccuracies to your attention. According to FCRA Section 605b it was the responsibility of the 3 credit bureaus to correct a portion of the data on my report. The following accounts needs to be corrected or removed : XXXX XXXX XXXX Balance Owed : {$560.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. Thank you for your attention to this matter.XXXX  XXXX XXXX Balance Owed : {$330.00} - This account has been reporting inaccurate information regarding my payment history. I have provided documentation that shows I have consistently made payments on time and in full. XXXX XXXX XXXX XXXX : {$0.00} - I insist on an immediate update of the account in question as your bureau 's reporting conflicts with other credit bureaus. Your inaccurate record keeping is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting. Please remove this account as soon as possible. XXXX XXXX XXXX Balance Owed : {$0.00} - Please provide documentation that the following account belongs on my credit report and that my rights have not been abrogated. Otherwise please delete this damaging data immediately. XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} - Your current reporting is unacceptable. As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If you can not ensure the accuracy of the information you are reporting, you must remove the account immediately. I demand that you take swift action to correct this matter, as any further delay or negligence will not be tolerated. XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. 
XXXX XXXX XXXX XXXX XX/XX/XXXX- This inquiry makes absolutely no sense to me, and I don't recall ever making it. Remove it immediately and provide evidence if you think it's mine. Otherwise, delete it now.