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

XXXX has been reporting and billing me for loans and credit card repayment that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.
Product: Mortgage

Shellpoint failed to pay year XXXX property taxes due in XXXX with my escrow funds. When I sold my property on XX/XX/XXXX, I was forced to pay XXXX taxes plus a penalty of {$810.00} on XX/XX/XXXX. I called shellpoint on the date of closing to inquire about the issue, and I was told to mail or fax documentation to shellpoint showing that I paid past due tax penalties for year XXXX in order to be reimbursed by shellpoint. After doing so, Shellpoint agreed to reimburse me for the tax penalty within 5 business days of XX/XX/XXXX. As of today, Shellpoint has failed to reimburse me, and they are non responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNT ON MY CREDIT REPORT, THESE ARE THE LIST OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX   XXXX XXXX -- -- ->Date opened -- -- ->XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX -- -- ->Date opened -- -- ->XX/XX/XXXX XXXX XXXX & XXXX -- -- -- >Date opened -- -- -- >XX/XX/XXXX XXXX   XXXX -- -- -- -- >Date opened -- -- -- -- -- ->XX/XX/XXXX XXXX   XXXX XXXX  XXXX -- -- -- -- >Date opened -- >XX/XX/XXXX XXXX XXXX -- -- -- -- >Date opened -- >XX/XX/XXXX XXXX XXXX XXXX XXXX -- ->Collection opened -- ->XX/XX/XXXX XXXX XXXX  XXXX -- -- >Collection opened -- >XX/XX/XXXX XXXX XXXX -- -- ->Collection opened -- -- ->XX/XX/XXXX XXXX XXXX XXXX XXXX -- -- XXXX -- -- -- -Date Opened -- -- ->XX/XX/XXXX XXXX -- -- -- >Date opened -- -- -- XXXX XXXX, XXXX XXXX -- -- >Date opened -- -- ->XX/XX/XXXXXXXX XXXX XXXX  XXXX -- ->Date Open -- -- >XX/XX/XXXX Fraudulent Address : XXXX XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX XXXX, PA, XXXX Fraudulent Inquiries : XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I requested to revoke automatic payments on my loan and start making payment via the companies website. This was the response I received " This is XXXX reaching out from Explore Credit. To move forward, you need to send in the latest 90 days of your bank statements in PDF format, a photo of your driver 's license, and a selfie. Once the documentation is received, you also need to send us the revoke request in a written letter to XXXX XXXX XXXX, XXXX, GA XXXX, from your registered residential address within 14 days. If we do not receive the physical letter, your payment method will switch back to auto-withdrawal. If you have any questions or concerns, please call us back. ". Per my loan documentation that I signed this is the requirement for canceling automatic payments " " However, you may revoke this electronic payment authorization at any time by contacting us directly at XXXX or XXXX no less than three ( XXXX ) business days prior to your scheduled payment due date to allow us to process your request. If you revoke your electronic payment authorization, then you agree to make payments directly to us via other acceptable forms of payment by your payment due date above. We will provide you with XXXX ( XXXX ) days notice prior to processing a debit entry that is larger than the scheduled payment detailed above. ". Informed Explore Credit that per Federal regulation all that is required to revoke automatic payments is written or verbal communication. That was provided and the company still refuses to cancel automatic payments. On XX/XX/ they automatically withdrew money from my account after I had revoked automatic payments. The account number for this loan is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX a couple of months ago concerning SCA Collections reporting to them a medical bill that does not belong to me. Both XXXX and SCA have blatantly ignored my requests and continue to report false information in my credit report. It is ridiculous how companies are allowed to get away with reporting whatever they want and the consumer having to jump through hoops to straight out THEIR mess. If this does not resolve the issue, I may be forced to take legal action. This is the second complaint I have filed with the CFPB. The medical bill DOES NOT belong to me! Secondly, this company IS NOT LICENSED to collect in the state of Florida so even if the debt were mine, which it absolutely is not, SCA is illegally attempting to collect. Why do n't they have to furnish a license? Why are they able to get away with illegal practices? I request ANY AND ALL documentation supporting their claim that this bill was acquired by me. I need a signed contract between myself and SCA Collections to prove validity of this debt. I will not back down. This is MY credit and MY life! I will not let this go!
Product: Credit reporting or other personal consumer reports

I have filed numerous disputes with XXXX, Experian, and XXXX. I have accounts on my credit report reporting late payments, but the accounts were closed and transferred before the late payment was reported. There is a 60 day grace period of mortgage transfers. The mortgage was never late. I have asked the original creditors for information, but none has been provided. I would like your assistance in making sure the bureaus actually investigate my disputes. Thank you.
Product: Payday loan, title loan, or personal loan

Company XXXX XXXX XXXX XXXX XXXX contacted me from XXXX to state that I owe a payday loan but they could not collect because I filed a bankruptcy so now they are trying to file charges on bad check because they could not collect the money because I filed a bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA  is reporting prohibited information. United Revenue Service has furnished information which violates Texas Business and Commerce Code Section 20 et seq states : Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 5 ) a collection account with a medical industry code, if the consumer was covered by a health benefit plan at the time of the event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider or a facility-based provider for an out-of-network benefit claim ; or The information furnished is exactly the type of information that the statute ( s ) prohibits : a ) the consumer was covered by a health benefit plan, XXXX XXXX, at the time of the event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider, XXXX  XXXX XXXX, or a facility-based provider for an out-of-network benefit claim. 

On XX/XX/2019 I was admitted through emergency ICU for a life threatening condition. XXXX  XXXX XXXX ' ER doctor ( XXXX XXXX ) was an out-of-network provider. XXXX made a normal and customary payment to the provider and provided me with an EOB that indicated that my out of pocket would be {$56.00}. The collection company never notified me of the collections, and I subsequently discovered the collection upon reviewing my credit report and declined score. 

I disputed the information with XXXX, who did not remove it. I have subsequently been rejected for home improvement loan by several lender specifically because of this collection appearing on my credit report.
Product: Credit card

My first card was never received. I reported it to the company best egg and when I received the statement there was 4 purchase that I did not do. I let them know regarding they said would fixed the issues. Once they told me they fixed the issues I used the card without looking at the statement. When the next statement came thouse purchase were never disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today,XX/XX/XXXX, I used XXXX to access my credit reports. 

I am on a XXXX XXXX computer, running mainstream antivirus software, the XXXX web browser, and the XXXX plugin for additional security. 

XXXX and XXXX both allowed access to my credit report without issue. 

However, Experian blocked access with this error : " A condition exists that prevents Experian from being able to accept your request at this time. '' This error is reported online to indicate that Experian disagrees with my use of the security and privacy plugin XXXX
Product: Debt collection

XXXX XXXX XXXX along with account XXXX XXXXXXXX were opened as a result of identity theft. My information was stolen and used without my permission. I brought this to the attention of CapitalOne, however they are still attempting to collect this debt and illegally reporting it it the credit bureaus. Please see attachment.
Product: Mortgage

We live in XXXX TX and were one of many families whose house flooded due to Hurricane XXXX. We have flood insurance and met with our adjuster XX/XX/XXXX. During the time were were waiting to see our adjuster we ripped up our floors, drywall and cabinets and started the drying process at the request of the adjuster. We have located a contractor and submitted all documents necessary to the mortgage company Penny Mac. We were issued a XXXX immediate release of contents money and XXXX of Dwelling. It was an enormous struggle to get the " Immediate Release '' of funds returned to us. Our Adjuster wrote a letter to the Penny Mac Loss Drafts department ordering them to release the money so we could continue to move on plus reimburse ourselves for the expenses already incurred. On XX/XX/XXXX the XXXX dollar check finally arrived. We contacted the adjuster and explained how long Penny Mac held our check. and asked if she would release another XXXX so we could proceed. She agreed and XXXX cut another check. On XX/XX/XXXX we 2 day Priority Mailed the check to Penny Mac. They have been holding the check ever since. I have called so many times I have lost count. I am given a different excuse as to why I can not collect the funds every time I call. Please check the websites XXXX XXXX XXXX and XXXX XXXX. We are unable to live in our home and are currently using our auto insurance proceeds to help pay contractors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00} Repossession XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XX/XX/XXXXdate of Inquiry XX/XX/XXXX XXXX XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} XXXX XXXX XX/XX/XXXXXXXX **** Date Opened : XX/XX/XXXX Balance : {$39.00} Late/Open XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00} Late/Open XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} Late/Open
Product: Credit card or prepaid card

I purchased kitchen cabinet remodeling services through XXXX XXXX  with the contractor being doing the work as " XXXX XXXX XXXX XXXX '', as a revolving credit account which was assigned for financing to Aqua Finance , Inc . I recently applied to refinance my home and was informed that Aqua Finance , Inc. is showing up on my records as a mortgage with a home improvement lien against my property. I was never advised that this would be the case or stipulation. I contacted Aqua Finance, Inc. and requested a release of lien letter and they will not do it. My welcome letter state revolving credit program, revolving credit account, credit purchase. Nowhere on my billing statement does it say anything about mortgage. 
I have no problem paying the account as a revolving credit account, and my account and payment status is current. 
I do however a problem with the lien on my property without my being advised, informed, etc., and nothing in writing that informed me of such. Please advise what can be done to legally to have Aqua Finance , Inc. provide me a release of lien letter as soon as possibele. 
Aqua Finance , Inc., XXXX, XXXX XXXX IL XXXX XXXX ext. XXXX Acct # XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent the XXXX credit bureaus a request to CORRECT the account from the " In Dispute '' status. I just reviewed my credit report and this request was NOT handled properly. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies Here is the account that needs to be corrected. 

XXXX XXXX XXXX XXXX Late Date XX/XX/21
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX falsely put things on my credit report and threatened me to pay them, they have put debt on my accounts and put my score in the negative I have been having this problem for two years Ive done everything and still nothing has changed I made a police report and filed a complaint and I have yet to see any results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company to report the inaccuracies on my credit report but the company has not responded appropriately. 


XXXXXXXX XXXX XXXX XXXX {$2600.00} XXXX {$1400.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$460.00} XXXX  XXXX {$510.00} XXXX XXXXXXXX {$370.00} XXXX XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX  {$450.00} XXXX XXXX XXXX {$6.00}
Product: Checking or savings account

On XX/XX/2024, someone tried to deposit a check in my account by logging into online account. They deposited a check for {$4900.00}, but it was eventually refused. 

On XX/XX/2024, they attempted to do the same with a check for {$3700.00}. This one ( at least temporarily ) was accepted by the Wells Fargo online mobile deposit.

Afterwards, 2 payments were made by XXXX from my bank account. The first on the same day for {$200.00}. Another the following day ( XX/XX/2024 ) for {$1600.00}. 

After a few more days, the bank realized the check was fake, and reversed the deposit of {$3700.00}, leaving me to have a negative balance of about {$1800.00}.

I went to the local branch to dispute this, but the bank said since it was done by my online account, then it must've been done by me personally and therefore I was responsible for the balance on my account and the fraudulent charges.

I am attaching a copy of the check and my ID, showing the signatures do not match up.

It is unfair that they won't even entertain any of my complaints and actually investigate this matter.
Product: Checking or savings account

The bank cashed a check when the computers were not working where when the computers were back working my bank account over drafted with fees for {$500.00} they should of never been allowed to cash a check like that
Product: Vehicle loan or lease

I was wrongfully repo'ed about 1 year ago or so. It took them 7 to 10 days to return my car back to me with no apology or reimbursement for being without a car to get to work or around. The lack of customer services was embarrassing and upsetting. No one wanted to listen to me or help me. I was put in a loss prevention recovery department and never taken out once the mistake was found and corrected. Every time I call in, I get transferred around a few times, the reps act like they can't hear me speaking and hung up on me. This has happened exactly 15 times since the wrongful repossession. I have never been put back into a paying as agreed customer. So now when I call me they demand full balance, even though the repo was there fought. When I go online to review my bill, no information is there because of the repossess in error. Never correct and that is a consent reminder of how terrible this company really is.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> WellsFargo erroneously closed a XXXX XXXX XXXX account due to mis-information on their customer agent ( s ) to inform that by setting a payment arrangement would also close the account.
Product: Debt collection

I am writing to express my frustration and extreme annoyance at the continuous ignorance of my requests by your bureau. It is beyond reasonable that despite my repeated attempts, these critical matters concerning my credit report have not been addressed promptly. I want to emphasize that the other credit bureaus have already acknowledged errors in reporting and have promptly removed the disputed accounts from their databases. Additionally, a legal identity theft report has been filed with a federal agency, and the respective creditors have explicitly confirmed their commitment to removing these accounts from my records, absolving me of any liability. ACCOUNT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This continuous delay in addressing my concerns, despite clear evidence and actions taken by other credit bureaus, is unacceptable. I expect immediate compliance with the Fair Credit Reporting Act ( FCRA ) and demand confirmation in writing once the necessary corrections have been made. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).