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

I send out a dispute letter to all there credit bureau XX/XX/XXXX, XX/XX/XXXX and Experian to verify all the information that i think are incorrect and wrong i am exercising my rights under fair credit reporting act i gave them 30 days to response and no answer so i want the items to be removed and deleted.
Product: Mortgage

I hold a mortgage with XXXX mortgage which I have been trying to get a modification XXXX then turned my mortgage to Sps servicing and resubmitted on several occasions modification papers but to no avail been denied ofor did not qualify .I feel like I am being desciminated against by XXXX I lost value in my home over XXXX probably to predatory lending after a XXXX and XXXX mortgae was taken out .My Intrest rate is 7 % I continually am turned down I fell behind because of a divorce and business sell caused by the divorce.Under the making home affordable nothing is being done to make my house affordable these banks have been bailed out but refuse to help minorities several friends have gotten modifications with principal reductions. mortgage forgivenesses but XXXX seems to not want to help me. Every month I am threatened with harassing calls by XXXX XXXX at SpS servicing about foreclosure.. I have asked for an account of where my payments are going to go if I start repaying what they want but get no clear answer..I want to keep my house and want a fair chance to do this which I am not given. I work I have a job I am not rich so I cant pay XXXX in back payment I would like a modification like so many others and these banks where helped by the government so they should be able to help us small guys
Product: Credit reporting or other personal consumer reports

I checked my credit report and I noticed some inquiries and accounts that was opened fraudulently and I file for an identity theft. Below are the accounts and inquiries that was opened without my knowledge XXXX XXXX {$290.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$360.00} opened XX/XX/XXXXXXXX XXXX XXXX  {$2700.00} opened XX/XX/XXXX XXXX XXXX XXXX {$3400.00} opened XX/XX/XXXX XXXX XXXX XXXX {$19000.00} opened XX/XX/XXXX XXXX XXXX XXXX  opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX  opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX  opened XX/XX/XXXX XXXXXXXX XXXX XXXX opened XX/XX/XXXX
Product: Debt collection

The listed Companies are reporting inaccurate account information on My Consumer Report, along with the XXXX well known Credit Bureaus, XXXX, XXXX and XXXX. After speaking with the listed Companies and assured this information would be removed the account information still appears in an adverse manner. 
Under the FCRA XXXX AND 15 U.S.C. 1681C-2 The consumer has he right to block inaccurate/unverified information From Their Consumer file, I'm asking this information be Removed. within this complaint please find a file affidavit with the Federal Trade Commission, The legal fact this debt has not been verified and I did not give my Verbal or written consent in order for these entities to report is violating my Consumer Rights. 

which leads me to the ongoing problem with XXXX Credit Bureau, XX/XX/year> I began the dispute process simply asking XXXX to remove a Social Security Number which did not belong to me along with addresses and names Clearly was not mine, I've sent numerous times proof of my identity per XXXX request to no avail the information si still reporting on y Credit report and this is allowing whom ever to utilize my personal information without my permission. 

Please advise XXXX to remove his information.
Product: Credit reporting, credit repair services, or other personal consumer reports

A business loan taken out by an XXXX is being reported on my personal credit report by a collection agency. The collection agency has reported the same account as new over the past two years, despite multiple attempts to dispute the information and correct the account ownership. 

Furthermore, the account is being reported as being in collections with the original creditor, as well as with the debt buyer, which is a violation of the FCRA.
Product: Credit card or prepaid card

I had my identity stolen by two different women, XXXX XXXX and XXXX XXXX in a romance fraud they had my information and without me knowing signed up for a chase sapphire reserve card. They used my social security number personal information in order to buy luxury items and designer brands that were shipped to Chicago and La. They also had physical use of this card and would use it in New York. I have filed an ftc affidavit and police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reported information on my credit reports regarding the XXXX XXXX Account XXXX  XXXX. The dates of last activity for this account are reported inconsistently across TransUnion, XXXX, and XXXX as follows : - TransUnion : XX/XX/2019 - XXXX  : XX/XX/2019 - XXXX : XX/XX/2019 These inconsistencies directly violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This inaccurate reporting is negatively impacting my good name, character, and my ability to qualify for new credit. The persistent discrepancy raises concerns about the reliability of the furnisher of this information. I call attention to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which states that a consumer reporting agency must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate '' upon receipt of a notice of dispute from a consumer. To date, the action taken by your agencies has failed to rectify the inaccuracies identified and, as such, appears to be in breach of this provision.
Product: Mortgage

Shellpoint Mortgage Company- we had issues keeping up with the payments early in the year. Contacted the mortgage company for assistance. They advised us to complete a form online and submit documents on their portal. We completed the necessary forms, then were told we should have sent the information to an email address. They assign you a point of contact and that person is never available via phone, if you send an email they say they never received it. When you call the 1-800 number you receive different answers from everyone. Going through a stressful situation, you want reassurance your mortgage company is working with you to resolve. They send a dozen threatening letters in the mail during the entire process. We received several documents for our partial claim that had different information that required notarized signatures. We completed all of them and called to confirm that our first payment due was XX/XX/XXXX, we were told yes this is accurate. Now they are saying it was due XX/XX/XXXX and we have defaulted on our mortgage. Absolute worst company ever, not sure how they are able to keep running this business. Horrible customer service!!!!!
Product: Debt collection

Scheduled monthly credit card payment at XXXX XXXX  XXXX for XX/XX/XXXX. Chase added Mortgage payment to credit card online statement but instructions very unclear. In fact instruction was lengthy questionnaire for mortgage payment ca. {$840.00} due XX/XX/XXXX on refinancing of previous mortgage with XXXX XXXX since XXXX. Switched to Chase upon receipt of unsolicited refinance offer received in XXXX XXXX mistake. 
Closed on Chase mortgage loan mid-XXXX  and told initial monthly payment due XX/XX/XXXX. When we closed in midXXXX or months earlier we told closing officer for Chase to debit our XXXX XXXX account for monthly mortgage payment of {$840.00} beginning XX/XX/XXXX. 
Instead our XXXX credit card online statement added Mortgage payment due XX/XX/XXXX. But Chase instruction XX/XX/XXXX very unclear. Told us to go to Accounts and access external? and when we did there was no external accounts to access. Plus access denied both username + password on second attempt. Waited till end of day and still denied access to Chase on-line. Might add same thing happened with CFPB as asked to sign-in and received similar response : username and password denied. We are in our 70s and this is hard on us. Hope you can help us. XXXX XXXX XXXX XXXX, XXXX XXXX AR
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears XXXX is reporting a delinquent account to the credit bureaus that was never delinquent and was PAID IN FULL and ON TIME. 

I recently received a credit alert that XXXX is reporting a delinquent account to the credit bureaus ( see attached ). 

The account was PAID IN FULL, and ON TIME back in XXXX of 2021 ( see supporting documentation ).
Product: Payday loan, title loan, or personal loan

I had this loan from a over a year or two ago and I have paid accordingly to the terms with the exception of the last {$100.00} and some change. I have not heard anything thing fro this company since late XXXX regarding this and I had assumed that this was a current loan that was paid off and I said that to the caller ( its recorded ). This call and the other hundreds of call to my EMPLOYER has got to stop. I can not even answer the phone without them calling from multiple numbers asking for me as if we are friends then tell me they are calling to collect a debt. I have to ignore calls to my job because of them constantly calling me. 

I was told that they have mailed thing to me and I have not received anything in writing from them. 

The called on XX/XX/XXXX was the last time before writing this complaint. A fellow coworker asked me was I ok since she could tell it was a bill collector calling my WORK place. This company has continued to call me at my job since XX/XX/XXXX./XX/XX/XXXX over and over again. I can not have them calling where I work like they have chosen to do so. I want it to stop.
Product: Checking or savings account

exact dates and times etc. are not accessible. NYCB personnel are rude and extremely arrogant. absolutely most ridiculous banking experience ever. I opened a new account about 10 days ago. The sign-up process was long and excessively invasive but I persevered and they accepted my initial deposit. About a week ago I could not Log in online or mobile app. I was unable to contact anyone to find out why so I used a Secured messaging to inquire what is problem. XXXX days ago I receive an e-mail requesting a signature validation... So I did it. Yesterday I receive an e-mail stating signature accepted and locks have been removed. Great... not. I was never notified any " locks '' were in place to begin with. AND they lied... I still have no Access as of now today, so after one customer service hang-up, second phone call I was informed I should wait XXXX months to close my account in order to avoid a {$30.00} early closure fee! Please look at the massive pile of complaints online. I was unaware til I started questioning why was I experiencing the worst banking interaction ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

My collection account with Ad Astra increased. Which is illegal and a violation by CFPB regulations. No collection accounts amount should increase by any amount. This is clearly and illegal act by a collection agency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX DATE XXXX ( YOUR VIOLATING MY RIGHTS ) 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 ACCOUNT # XXXX has violated my rights. 
Please remove from my credit report immediately 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 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 knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1692b ( 5 ) Not use any language, symbol on any envelope that indicates that the debt collector is a debt collector. Meaning if a there is a symbol which is shown the debt collector have which is a huge violation.

15 USC 1681b ( A2 ) Without written instructions i never you gave anybody written information to put anything on my credit report. I never wrote up anything saying I gave a creditor permission to report anything on my report. Which means the account shouldnt be there.

Under 15 U.S. Code 1692k - Civil liability I Demand 1,000 dollars for each violation as you have caused severe damage to my character. ( a ) Amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.

Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office, and The XXXX XXXX XXXX  to have confirmation of proof if you respond without the proper validation request or not in the 15-day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages along with the violations you have already committed. The invoice will be attached to this Letter Thank you. 

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

Since letters dated XXXX XXXX ( signed for certified mail XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) I 've made multiple attempts to correct errors on my credit report to include 1 ) correction of name and address on my report as XXXX XXXX XXXX. I provided a copy of my Drivers License, a copy of my SS Card, a Utility Bill, but Experian has failed to make the name correction. There are variations of names listed on my credit report that Experian refuses to remove as they are not my legal name nor do I receive any bills or mailings under those names. 2 ) During the months of XXXX and XXXX I sent certified letters again XXXX XXXX XXXX XXXX XXXX XXXX ) to Experian in regards to unverified accounts ( which was submitted in the XXXX letters ) with incorrect account information reflecting on my report. I ask for Method of verification not consenting to any means of automated verification. I asked for the name, address, and telephone number of each person contacted regarding the accounts reported on my credit report which was during a reinvestigation period with Experian and yet again Experian has failed to provide such information and failed to make the necessary corrections. Repeatedly Experian has and are now liable for willful non-compliance and have violated the Fair Credit Reporting Act. I have ask that the misleading information be deleted and a corrected credit profile is provided. 3 ) I have placed a freeze on my Experian report dated XXXX/XXXX/XXXX because of Experian 's repeated willful non-compliance to name correction and providing method of verification of incorrect data on my file I want to ensure as well that no information on my report has been released without my authorization. Experian is now beyond 90 days to make the necessary corrections since the first two letters signed for on XXXX/XXXX/XXXX which is proof they are willfully non-compliant to properly make corrections according the Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

Purchased a watch from XXXX XXXX XXXX/ using Affirm. Website stated they were an authorized dealer, but it turns out they are a XXXX  market provider for this particular brand. Returned watch to dealer and dealer notified Affirm to process refund. Affirm has not refunded over $ XXXX USD after paying off installment in full and is not providing an adequate response.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/XXXX I received a phone call from a Massachusetts area code ( XXXX ), I answered because I am from Massachusetts and thought it might be related to a family member. The person on the phone told me they were trying to deliver legal documents to me but that they couldn't with the address they had. I asked them " is this a scam? '' and they said " no, are you not aware that you have legal documents coming to you? '' and I said no. I asked them who was calling me and they said XXXX XXXX XXXX service. They gave me a phone number and a reference #. I called the phone number - ( XXXX ) XXXX and gave the person who answered the reference number. They said that they were a law firm who would be suing on behalf of their client who was trying to collect a debt. I told them I knew nothing about this and they sounded/acted surprised. I asked them what the debt was for and they said it was for a Massachusetts medical bill. I told them I had not lived in Massachusetts since XXXX, and any medical bill I would owe would be even older than that. They said it was for a hospital, and I said " so that might be XXXX or XXXX, don't debts older than 7 years have a statute of limitations? '' and he said that once a debt collector buys the debt the years and statutes change. I asked for proof of the debt, history, records, receipts of the debt being bought, and the original bill. He said that I would not be able to get that stuff unless I settled the debt, or went to court. I said " you're going to sue me for a XXXX XXXX XXXX debt that you bought for pennies on the dollar? '' and he said yes, and I asked " so you're going to summons me to court in Massachusetts? '' and he said " no, likely your local court. '' I asked who he represents and he said XXXX, ' and then I asked for his information and his company information - XXXX XXXX XXXX XXXX XXXX Nevada , and his name was XXXX XXXX XXXX # XXXX.
Product: Debt collection

I consumer XXXX XXXX sent CAPITAL ONE a cease and desist on XX/XX/2021. I am the consumer and I'm not obligated to pay ANY debt under the FDCPA ( Fair Debt Collection Practices Act ) 15 usc 1692a ( 3 ). CAPITAL ONE ignored my cease and desist and continued to contact me through several mediums violating my federally protected consumer rights. CAPITAL ONE has failed to validate any debt under 15 usc 1692g. CAPITAL ONE continues to harass, oppress and abuse me as the consumer. This debt is already paid. CAPITAL ONE sends statements that are false and misleading in a positive balance and ask for payment on a positive balance. CAPITAL ONE is causing me to be sick and causing financial hardship by reporting false information to the credit reporting agencies without my permission. This is identity theft. I demand that the harassment stops, this is violating my rights. 15 usc 1692d ( 2 ), they must not harass me as the consumer. CAPITAL ONE closed my account of extension of credit. This is illegal, they can't close an account when I extended them credit under the provisions of 15 usc 1691.
Product: Credit card

Every month they send email saying I owe something on my account when I have already asked them to close it XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, This complaint is in regards to many inaccuracies on my TransUnion credit report dated XX/XX/2023 that need to be corrected. 

Attached to this complaint are : - My drivers license- shows my identity and address - My written complaint detailing each incident with proof Please have these corrected as soon as possible.
Product: Credit reporting or other personal consumer reports

Well I requested XXXX remove my child support off my credit report because it is not a loan or a revoling line of credit and XXXX has already removed it but XXXX will not and the info is incorrect also my data was breached from XXXX and all the hard inquiries are not authorized and with my data being stolen I ask for XXXX to delete the incorrect information immediately off my report
Product: Credit card

This is the second time that a store card that was financed through SYNCB was closed without me receiving proper notification. My ROOMS TO GO store card was closed due to inactivity a few months ago and today I find out that my Reeds Jewelers Store CC was closed due to inactivity on XX/XX/year>. I have not received any communication that my account was up for closure. I called their customer service today and the representative told me that my account was closed and a letter was mailed around that same date. As of today I have yet to receive such a letter. My last communication via email was on XX/XX/year> telling me that I had XXXX in available creidt and promotions that I was eligible for. No where in that email or any previous emails did it mention that if I don't use my acct that it would be closed. My credit score has been severely impacted by both of these actions.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

they refuse to provide an accounting. And I cant log in to my account.