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

I am filing a complaint against XXXX for failing to properly investigate my disputesearch regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation. of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' COLUMBIA DEBT RECOVERY LLC is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' COLUMBIA DEBT RECOVERY LLC the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, COLUMBIA DEBT RECOVERY LLC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' COLUMBIA DEBT RECOVERY LLC Never informed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer mayexercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion were informed that they were reporting inaccurate payment history for account XXXX XXXX. XXXX is reporting 30 days late in XX/XX/year>, while XXXX and Transunion reports 30 days late in XX/XX/year>. This is obviously an error on the CRA 's behalf, and this has been confirmed in the XXXX response from the company. They stated that their reporting is 100 % accurate so any inaccuracy is the fault of the credit bureaus. They also agreed to remove the late payment reporting in XX/XX/year> as a goodwill. I was informed by the company that the late payment XXXX is reporting in XX/XX/year> is not correct. I am demanding that the late payment is removed from all 3 credit reporting agencies and this account is updated to paid as agreed never late. Please see the attached response letter and credit account showing the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT NO. XXXX HAS VIOLATED MY RIGHTS .... 

15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

15 U.S.C. 166B A CREITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Product: Mortgage

What is this complaint about? 
SHELLPOINT Mortgage Company recently acquired my mortgage from XXXX XXXX  XXXX. My property is a Condominium. Shellpoint requested the HOA Insurance Information by submitting a letter to me requesting that I submit it. I informed Shellpoint that I called the Property Management office and requested the information. A second letter was followed up with a threat that they will automatically select an insurance plan for my building complex and I will be responsible for paying for that insurance. I submitted a letter to them informing them that I am not responsible for the insurance coverage for the Condomium Complex, that I have contacted them and requested the information. After numerous calls on my part, I reached the Condomium Complex and they informed me that they had already submitted the information to Shellpoint and did not understand why Shellpoint continue to call me for that information. 
In addition, Shellpoint created an Escrow account on my behalf and charged my account in the amount of {$730.00}. I called Shellpoint and complained and the amount was deducted. However, again I am in receipt of a letter asking for proof of wind insurance for my personal Condo. That information was also submitted to Shellpoint by XXXX. Again I received a letter from Shellpoint threatening me that they will bill me for the additional insurance. 
Step 2 : What type of problem are you having? Claims of inadequate insurance and Shellpoint has acquired insurance on my behalf after submitting the insurance proof they requested. 

Step 3 : What happened? They continue to threaten and harass me regarding the additional insurance. And will add the additional cost to my mortgage payments. I do not have a current escrow account. I pay my insurance directly to XXXX, and I also pay my annual taxes directly to the State of Maryland. I have no PMI on my property. I put a down payment of {$30000.00} when I bought my property Step 4 : What company is this complaint about? SHELLPOINT MORTGAGE COMPANY Step 5 : Who are the people involved? XXXX XXXX XXXX, OWNER AND SHELLPOINT MORTGAGE.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy in my credit report and to conduct a reasonable reinvestigation of disputed information, as required under Section 611 of the FCRA ( 1681i ). 
On XX/XX/XXXX XXXX, I received Experian credit report # XXXX, which includes an account from XXXX ( # XXXX ). While this account was marked as " updated, '' numerous discrepancies remain unresolved. These inaccuracies negatively impact my creditworthiness and create significant issues. 
The following discrepancies in the account were identified : Date Opened : Inconsistent dates. XXXX reports XX/XX/XXXX, while Experian and XXXX report XX/XX/XXXX. 
High Credit Amount : Discrepancies in the high credit amount. XXXX and Experian report {$2600.00}, while XXXX reports {$2500.00}. 
Credit Limit : Inaccurate credit limit. XXXX and Experian report {$2500.00}, but XXXX reports {$0.00}. 
Payment Status : Differences in the " 60 days late '' status reported across the bureaus. 
Last Reported Date : Dates do not match across bureaus. 
Date Last Active : Inconsistent dates. XXXX reports XX/XX/XXXX, while Experian and XXXX report XX/XX/XXXX. 
Date of Last Payment : Variation in reported dates. XXXX and Experian report XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
These discrepancies demonstrate Experians failure to ensure the accuracy of my credit report and to conduct a reasonable reinvestigation of disputed information. Additionally, Experian has not provided a detailed explanation of how this information was verified or the procedures used, as required by the FCRA. 
Impact of the Issue : These inaccuracies are harming my credit score, damaging my financial reputation, and limiting my ability to access financial products on fair terms. XXXX negligence has caused unnecessary stress and financial difficulty.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion and XXXX are obligated by the FCRA to furnish accurate information and accounting. 

In accordance with the Fair Credit Reporting act The Following Convergent Accounts have violated my rights : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 states that 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. 

XXXX and Transunion credit reporting agencies still have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my consumer report, but this is to be REMOVED IMMEDIATELY - these accounts are not on my XXXX Consumer report THEREFORE, THESE REPORTING AGENCIES ARE FURNISHING INACCURATE INFORMATION.

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 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. 

ALL INQUIRIES REPORTED WAS FRAUD and according to LAW said companies ( Transunion, XXXX and XXXX ) have 4 days to remove all inquiries. 

FTC Fraud report was filed.
Product: Money transfer, virtual currency, or money service

Tried reaching Cash App after transaction no service was available
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong. PLEASE FIX EVERYTHING in my personal information
Product: Debt collection

I paid my collection in settlement true accord recognizes settlement while affirm doesn't and affirm shows balance as past due and not current on credit reports affecting my chances of finding or buying housing.
Product: Credit reporting

There is an open XXXX XXXX account listed on my credit file and I have never had a XXXX XXXX credit card ever. Please remove this mistake off of my credit file
Product: Credit reporting or other personal consumer reports

XXXX sent me a letter on XX/XX/XXXX stating the information was verified and accurate but never stated who verified the information for them. I am requesting to have the bankruptcy removed from my account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED 6 MONTHS OF PAYMENTS DELETED & ACCOUNT DELETED ASAP PLEASE ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX ]
Product: Checking or savings account

On XX/XX/2019 Capital One XXXX closed my account for fraud even though there was no fraud. They failed to call me. They emailed me and its instructed to call, not email me. They are refusing reopen the account.
Product: Credit reporting or other personal consumer reports

I went to XXXX to get a new copy of my credit reports and they did not provide it to me
Product: Credit reporting or other personal consumer reports

Recently, I conducted an investigation on my credit report and it made me really upset that the XXXX reporting credit agencies can claim that they are reporting everything 100 % correct when there are so many inaccuracies between the XXXX bureaus for the account XXXX. I found that there is unverifiable, invalidated, inaccurate and questionable items that are obviously not 100 % accurate with the XXXX account. XXXX shows this account closed while the other XXXX agencies still show it on their reports. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681 e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that this account was properly investigated and came back as verified. However, how can that be possible when there are several inaccuracies showing on my report between the XXXX agencies? 
I have attached a copy of this account on my credit report for your convenience.
Product: Credit reporting or other personal consumer reports

I attempted to consolidate debt through a home equity loan with XXXX. I was informed that none of my credit reports could be pulled, and was told to check with each of the three credit bureaus to unfreeze my credit.

Upon calling, creating accounts, and checking if those accounts ( and subsequently, my credit ) were frozen, I found none were frozen nor locked.

I am able to access my credit reports from all three bureaus, but lenders are unable to see my full report nor my credit scores.

I reached out to XXXX on XX/XX/year> and am filing this complaint on the same day.
Product: Payday loan, title loan, personal loan, or advance loan

I am disputing the debt associated with this account as it does not represent the terms discussed and accepted during the tour of the property. In my discussions with the manager, I was assured the monthly payments would be charged to an account ( which would not be the same as a consumer credit card ) and the account would not be reported to consumer reporting agencies ( CRAs ). Not only is the account reporting to CRAs, but it is also reporting a balance of {$16000.00}. This is incorrect. As I was denied for the Wyndam Rewards Earner Card, the application should have been closed.
Product: Credit reporting or other personal consumer reports

Sent several letters to multiples places and the error was never fixed. The late payment on my car loan was never my fault. The car was totaled and insurance paid the car off.
Product: Credit reporting or other personal consumer reports

Please delete all fraudulent accounts and hard inquiries of my credit file from XXXX, Equifax, XXXX XXXX immediately. 
XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan but did not accept it. I wanted to report this company for the XXXX  that they are charging in interest. I believe that they are a loan shark company. The loan I applied for was for {$750.00}. The amount of repayment was {$100.00} XXXX for XXXX weeks. That would mean that the total repayment would be {$4400.00}. I did call to verify this information that I found unbelievable was true and it was. I don't think legally they can charge that much interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX account is reporting without maximum possible accuracy and the proper verification under the FCRA this is my second attempt to remove the following account XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Today, I checked my credit report and noticed that there are an inquiries that I don't recognize, I did not authorize these nor given consent to these companies to pull up my credit report, it is stressing me out and making me anxious.
Product: Credit card

I Am Receiving a lot of Letters from Debt Collectors stating I owe a Debt with there Company. I Asked each Debt Collecting Agent to Validate this Alleged Debt On XXXX. They have not Responded or Validated the Alleged Debt. The Bureau submitted a letter to me stating That XXXX XXXX stated it wasnt Fraud. Or No Fraud Reporting. I Contacted the Fraud Department at XXXX XXXX. They stated they had No Information on Me. I filed a Theft Report with the FTC. This is Theft of my Identity My Data My Livelihood is being affected by these Companies I know nothing about. The FRCA and The FDCPA states the law is very Clear in Reporting false Information. I never gave anyone Permission to Report on my Consumer Report. And these Companies are Reporting on My Consumer Report still To Date No Change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out and disputed inaccurate information that is reporting on my credit report with XXXX for the last 6 months, a bankruptcy. 

I have reached out to XXXX via telephone on multiple occasions to get this resolved with no success. 

Every representative at XXXX, XXXX website, and LexisNexis website says they receive Bankruptcy information from LexisNexis. 

I have received documents from LexisNexis regarding this bankruptcy that XXXX has reported. This Bankruptcy is not reporting on my LexisNexis and it is not mine. 

I have received documents from the courthouse as well that say they do not report to any credit bureaus. 

On every occasion that I have reached out via the telephone with an XXXX representative, they mentioned the information is coming from LexisNexis. I have also reached out to LexisNexis and they said this is not coming from them. 

I spoke with XXXX on XX/XX/2022, and she said I needed documents from the courthouse and LexisNexis. I have supplied these documents multiple times to XXXX. XXXX said her supervisor, XXXX needed a document from the courthouse saying the Bankruptcy is not mine. I have provided that document as well. I also requested the documents they receive to verify the bankruptcy, XXXX sent me a credit report and mention they don't send consumers documents they use to verify this information There is currently an active lawsuit in California against XXXX XXXX LexisNexis due to the inconsistent information and violation of the FCRA laws. I will be reaching out to my XXXX officials regarding this matter if XXXX does not remove this Bankruptcy from my credit report. 

I have attached all of the necessary documents XXXX has been requesting to remove this and I attached LexisNexis website as well.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have the Apple Card by Goldman Sachs and I bought an XXXX from XXXX with my Apple Card thinking there would be no interest because Im using their card as advertised but I am being charged interest and they did not specify that I have to let them know before purchasing so I have been paying for interest when its adverted no interest for XXXX products with the Apple Card
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft and I have a police report
Product: Debt collection

XXXX XXXX XXXX did not notify me of a lawsuit. Then got a default judgement on a debt that was outside the statute of limitations. Last payment of debt reported XX/XX/XXXX judgement was filed XX/XX/XXXX. XXXX is 3 years in my state
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent. 
Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar.

The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more. 

The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported. 

15 U.S. Code 1666d 15 U.S. Code 6801 15 U.S.Code 6801 ( b ) ( 3 ) 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) 15 U.S.Code 77q 18 U.S. Code 8 - 18 U.S. Code 1344 12 U.S.Code 5562 ( c ) ( 10 ) 16 C.F.R. 433.1 ( h )