23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXXXXXX XXXX file a lawsuit to collect a debt. I did not receive notification until after court preceding. This debt is from over 7 years ago and should have fallen off like the other collections I had at the same time. The law firm then proceeded to garnish my spouses bank account because my bank account was empty. They filed this suit in the beginning of XXXX, when my emails and website were hacked because my phones were stolen. When I attempt to call the law firm they do not answer the phone. Previously when first notified of this law suit, I notified them that I was autistic and requested accommodations to notify me via email they agreed. I did not receives any notifications since then, nor was I notified of the XXXX law suit. I just received the court order via XXXX at my door afterwards. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX number XXXX The Moore Law Group XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card

Someone applied for a CHASE SLATE EDGE Visa Platinum account in my name without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : ( Original Creditor : ) XXXXXX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Informed Transunion on XX/XX/2022 @ XXXX, after receiving my consumer report and noticed two hard inquiries I did not make personally. 
XXXX XXXX XXXX. XXXX I informed the operator I had a fraud alert on my account already, but he was not willing to delete the inquiries. I made him aware of Consumer Law section : 15 U.S Code 1602 ( j ) & 15 U.S Code 1611 ( 1 ).

I would like the items deleted and block from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

My physical address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove my business virtual : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address from my EXPERIAN report. This address belongs to my business and According the FCRA, I have a right to the fair and accurate reporting of my credit information. I am entitled to certain privacy rights concerning my credit information and protection from the misuse of my credit data. Please remove my virtual address from my personal Experian credit report.Thank you.
Product: Mortgage

Newrez/Shellpoint was the mortgage provider for my mother and fathers family home. Both my mother and father died in XXXX and XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX  wrote a check on XX/XX/XXXX to the estates of my parents for {$560000.00}. Shellpoint mortgage months later ( XX/XX/XXXX ) wrote a check for {$470000.00} to " EST OF XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I tried to deposit this check in both of the estate accounts that I opened to settle out my deceased parents affairs and was told that the check can NOT be made out to both estates. XXXX XXXX XXXX XXXX XXXX XXXX both told me that the check can not be made out to both estates and that a combined estate account was not a thing. 

I have called Newrez XXXX times in recent months trying to get this issue resolved and have been told time after time that there is nothing they can do, and that it is their policy to write checks to all parties on the account in this case. 

This company currently owes my family {$470000.00} plus interest and is making no effort to get us paid. Their customer support has been awful and the people making the decisions, who could help do not take phone calls or apparently respond to emails. 

Please help us. I am simply trying to access these funds to settle out my family 's affairs and Shellpoint mortgage has ignored us and has essentially stolen this money from my family at an acute time of need. They have caused severe emotional and financial stress to our family and they should be held fully accountable.
Product: Credit reporting or other personal consumer reports

I mailed you a letter disputing my bankruptcy information contained in consumer reports compiled, maintained, and published by you, allegedly concerning the following Bankruptcy As per my records, you received my dispute letter in XX/XX/2024 I. According, as per the FCRA you were required to conduct a reasonable investigation and [ modify or delete ] the disputed information as I requested before the end of the XXXX day period on the date on which you received my dispute letter therefore your response was due on or by. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter claiming you investigated. 


Clearly, you have willfully failed to delete the disputed information as I have requested. Instead of deleting the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because you stated you certified it was accurate. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate the dispute. Note you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such a determination that complies with the FCRA. Furthermore, I directly disputed the completeness and/or accuracy of the information contained in my consumer file as per the FCRA. Your failure to investigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly delete the disputed Information. Be advised this is not another dispute or opportunity for you to investigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

Within [ 14 ] days ( 1 ) delete the disputed information as requested. My letter dated XX/XX/2024. 

XXXX XXXX
Product: Checking or savings account

I ordered an item online the item was sent to a different state to be delivered. I never received the item. I have proof showing the item was delivered to a different location. The company does not want to refund so I open the dispute. Its been now two months I have not received a provisional credit nor any updates regarding my claim.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX defrauded a car loan to Chase bank. I never resigned these papers. I will never esign a car loan. The registration was fraudulent because I was living in Georgia at XXXX XXXX XXXX XXXX XXXX Georgia. I gave XXXX a Georgia license and insurance. A fraudulent email is on my registration. This old Florida license number was invalid. I renewed my Florida license in XXXX and had to pay {$150.00} because of XXXX  registering in Florida with Georgia insurance. XXXX XXXX signs as the car owner, business manager, finance manager and accepted a loan from chase before I even got into the loan office. He stacked contract with fraudulent pre delivery, registration etc. and added a couple XXXX dollars to the car price. I put {$22000.00} down on a {$32000.00} car and the cars repoed. Look at all documentation sign by XXXX  XXXX XXXX. My car loan is paid in full. Im crying daily. CFPB # XXXX is also regarding Chase repossession with all my possessions and the car is paid. If you look at the registration email- I dont know who that email is. XXXX email transcript is signed by the same signature. Attached my Georgia registration {$820.00} and tag transfer payment because no tag could be generated until XX/XX/XXXX because of the tag registration fraud. Attached also a form saying I was from out of state but asking my mom whom was with me her address. I was building a food truck business there. Florida statue against fraud is 4 years. XXXX XXXX please finally help look for his signature
Product: Credit reporting or other personal consumer reports

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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Checking or savings account

You will assist me this time, this is every financial institution since I notified the VA and XXXX I was filing criminal charges on them, that they are doing blatant felony fraud. You took care of the XXXX  XXXX XXXX XXXX, the VA got word and you and the XXXX have refused to help me since, me and my attorneys have been recording the evidence. This is blatant, falsifying official bank records, creating overdrafts, entering of false information in order to deceive, sending false trans histories to a record device i.e. online, mobile app in order to deceive, failure to keep a true balance. The records coming from Netspend  that must be requested do not absolve the crimes. Federal law specifies that it is any record which the public relies upon. It's time the FED put Netspend and all their cards in a prison cell
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was in XXXX and was attending a XXXX concert and needed to purchase two tickets. I met up with XXXX XXXX who claimed he had two tickets in Sec XXXX for {$220.00} and we arranged a Zelle transaction for the purchase. He had mentioned he and his partner couldn't make the show and had two seats in Row XXXX XXXX- they were part of a 4-day pass. He agreed he would send me the tickets on XXXX, and we figured we would make the transaction with Zelle because it's linked up my bank. He assured me I had nothing to worry about. He mentioned " let me know when you send money so I can make the transfer. I'm no scammer. '' He even sent me screen shots of the tickets. He swore he would send the tickets. I sent the money transfer to his girlfriend XXXX XXXX XXXX he said " hold on, let me just confirm. '' Shortly after he ghosted and ran away. I filed a police report with the XXXX XXXX XXXX complaint report : XXXX - XXXX - XXXX reported to P.O. officer XXXX XXXX # XXXX. I then filed a dispute with my bank XXXX claim # XXXX.
Product: Credit card

In response to my previous dispute, comenity bank/victoria secret have stated that they have sold all rights to the account to XXXX XXXX XXXX and that if I were to request documentation of the account I should refer to them ( see exhibit A ). Needless to say, how can Comenity Bank/Victoria secret, " verify '' this item of information to consumer reporting agencies ( exhibit B & C ) when they do NOT have access to the alleged information? Thus they are inaccurately reporting this unverifiable information to all consumer reporting agencies while violating section 623 ( a ) ( 1 ) ( A ). I demand that they remove this item from all consumer reporting agencies or they will face legal action
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX To : Experian XXXX : Consumer Dispute Division Subject : Request for Validation of Debt - Account Number XXXX Dear Experian, I trust this correspondence finds you in good health. I am writing to formally contest the collection account referenced above currently listed on my credit report. The account was originally initiated with XXXX XXXX and is reported under the XXXX collection agency, with a balance of {$1800.00} and an original balance of {$1900.00}. According to my records, this account does not accurately depict my credit history, and I am seeking validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

To resolve this matter, I am specifically requesting the following : 1. **Creditor Confirmation** : Verification that CONSERVE is indeed the rightful creditor for this account and possesses the authority to collect the debt. Documentation such as the original loan agreement or transfer documents would be instrumental in clarifying this matter. 

2. **Account Details** : A comprehensive account statement, including the payment history and all relevant documentation substantiating the legitimacy of this debt. Detailed information about each payment made and any supporting paperwork is essential for a proper assessment.

3. **Transfer Validation** : Evidence that the debt was duly transferred or sold to CONSERVE, including any records that confirm this. Information such as the transfer date and supporting legal documentation will help verify the process.

4. **Breakdown of Fees** : A detailed breakdown of any fees or additional charges applied to this debt, along with an explanation of how these amounts were calculated. This is crucial for understanding the total amount claimed and for resolving any discrepancies.

5. **Statute of Limitations** : Clarification of the statute of limitations applicable to this debt to ascertain its legal enforceability.

6. **Communication Records** : Provision of any communication records related to this account, including letters, emails, or phone call logs. Access to this information is necessary for reviewing all interactions and ensuring compliance with relevant regulations.

Under the Fair Credit Reporting Act ( FCRA ), you are required to provide this information within 30 days of receiving this letter. However, considering the importance of this dispute, I urge you to expedite your review process to provide a thorough response within 10 days.

If you are unable to validate the debt, I demand its removal from my credit report, as unverified debts violate FCRA regulations. Please address your response electronically to the email address provided above for faster processing. 

Thank you for your prompt attention to this serious issue. I look forward to receiving a comprehensive response and working towards a resolution. 


XXXX XXXX
Product: Credit card or prepaid card

Unauthorized payments from XXXX also i had to put security lock to keep cash App from debiting.my account without Authorizations. I am not the only customer. That has this problem from this prepaid debit card. There is other customers. I haven not gave access to Cash App to pay my bills for me this is fraud. none of those bills are on autopay. XXXX credit reporting is A constant abuser of cash App I have canceled my account numerous times but I still can not access my credit without paying cash App {$24.00} now since I have to lock my card constantly which is frustrating. 
Also this is the company that one CEO XXXX the other I think there is some fraudulent activity...
Product: Mortgage

Ditech Financial, LLC In the past 2 years documents for a modification have been submitted. The current requests to keep resubmitting documents have been ongoing since XX/XX/XXXX. The first submission was XX/XX/XXXX-XX/XX/XXXX no response was ever given to us. 
As of this month we were billed over XXXX for an escrow shortage. We need to have explained to us this outrageous increase when our tax bill is only XXXX. 
Since our mortgage was resold to Green tree our mortgage has increased to XXXX from approximately XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In aqccordance with the Fair Credit Reporting Act XXXX, " XXXX XXXXXXXX XXXX '' : account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602A, states that i have a right to privacy. 15 U.S.C. 1681 section 604A, section 2 : it also states that a consumer reporting agency can not furnish my account information without my written instructions and consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX/XXXX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have originally filed a complaint against Certegy on XX/XX/2023 complaint # XXXX. Then on XX/XX/2023 complaint # XXXX. In the first complaint verified they would totally remove the resolved item with XXXX on XX/XX/2023. Please see attached. I received an updated Consumer Report from the complaint on XXXX XXXX on XX/XX/2023 with the resolved item with XXXX still remaining. Please remove this entire Resolved item from with XXXX my consumer report as you previously stated by Certegy to be removed.. I have attach proof of your confirmation of the removal of the item as of XX/XX/2023. Please email me and mail me an updated Consumer Report past XX/XX/2023 with this entire section removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  XXXX never late! I have had exceptional payment history witH XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX to XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 reasonable procedures designed 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. 


XXXX XXXX XXXX  Never XXXX the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I brought a cashier check at Wells Fargo located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX on XX/XX/2023 for the amount of XXXX $ pay to a specific company. However the check was cashed on XX/XX/2023. The payee has not received it in their account. I went back to the branch for the copy of the check that has been cashed out. There was no endorsement at the back and I was told you could cash out a check without an endorsement using the app! The banker XXXX XXXX and another XXXX man were laughing regarding my questions about getting my money back since the bank paid to someone who is not the payee on the check. It was not to my awareness that anybody could cash a cashier check without an endorsement even the person is not the payee on the check. It is the bank responsibility to ensure that the fund is deposited only to the person payable to. The person I wanted to pay has confirmed that the check was not received and that it was not in the account and would like to confirm the last 4 account number that the check was deposited to but the bankers said they can not release that information until the claim department takes the case. It would take 10-30 business days. There is something wrong with the way the bank handle business. The cashier check should be the safest way where one can used to make a payment as it is drawn from the banks fund and it should know whether it was deposited to the payee correctly or not. I was told fraud is minimal using cashier check. The bankers asked me why I dont wire transfer or pay other methods instead of using the cashier check. The mistake is on the bank as they allowed the fund to be released even with no endorsement and the bank should be responsible in restoring my money back as they did not pay to the specific person I addressed on the check. If all the banks in US works this way then it is no point to mention on the check whom to payable to as anybody can cash the check using the app. The bank app must have a validation process to ensure that the check is deposited to the correct person. I hope you would look into this issue otherwise it would promote more check fraudulent activities in this country.
Product: Mortgage

I refinanced a home with Nationstar in XXXX, 2015. I was notified that payments would begin XXXX XXXX by my loan officer. Instead, Nationstar began requesting payments in XXXX. 
I feel like I was scammed. I checked the closing documents that I signed, and they do indicate that payments would begin in XXXX. I 'm frustrated and already behind in my payments because of this. I tried working it out with Nationstar, but they wo n't budge because of the closing documents. I would not have signed them had I known the start date was in XXXX. Is there anything I can do?