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

In accordance with the Fair Credit Reporting Act Account 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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CDAXX/XX/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX XXXX Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XX/XX/XXXX - XXXX  XXXX - XXXX reporting XXXX information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. MORTGAGE ////// -- - ( XXXX ) XX/XX/XXXX, Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XX/XX/XXXX, XXXX - XXXX reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XX/XX/XXXX - XXXX XXXX XXXX reporting XXXX XXXX XXXX on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTGAGE ////// -- - ( XXXX ) XX/XX/XXXX - XXXX Mortgage - XX/XX/XXXX - XXXX Mortgage - No reporting XXXX XXXX Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XXXX XXXX- XXXX XXXX - XXXX reporting XXXX information Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XXXX XXXX, XXXX, Certified credit Mortgage XXXX reporting XXXX information Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XXXX XXXX, XXXX, XXXX Mortgage - XXXX reporting XXXX XXXX Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTAGE ////// -- - ( XXXX ) XXXX XXXX XXXX - XXXX  - XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days please remove inquiry. MORTGAGE XXXX -- - Thank you
Product: Credit card or prepaid card

I have been going back and forth with Amex for over a year now, including numerous communications through CFPB. The unauthorized fraudulent transactions on my account total over {$15000.00} and Amex refuse to address my concerns adequately and rarely call back with the information requested. It is impossible to get information. I called on XX/XX/XXXX and was told XXXX would call me. XXXX eventually left me a voicemail on XX/XX/XXXX. I called back on XX/XX/XXXX and XX/XX/XXXX and was told I would be called back within XXXX hours. this never happened each time. I am at a loss how to get answers to my questions and continue to be shocked by Amex 's unbelievably bad customer service, conflicting information, changing decisions. 

Therefore I require the following : - Confirmation of where this dispute stands. On XX/XX/XXXX, XXXX told me I had been credited one of the disputed amounts and the other was pending. Is this true? Has any of the disputed amount been credited? 

- Contact and address for service of process - Details of the mediation process and costs associated - Details of the arbitration process and costs associated A copy of this has also been sent to my lawyer
Product: Debt collection

i am a victim of identity theft and i never had any dealing with CCS, and i have attached a copy of the FTC report as well. I am requesting the deletion of this account from my credit report.
Product: Debt collection

I am currently being harassed by a company named XXXX XXXX about a debt from Flexshopper. I have what they called an independent investigator threatening both myself and my mother, saying he is coming onto my property. I called the company to talk on XX/XX/XXXX and had a talk with the account manager, who I realized was the same person threatening to come to my home. The next number my cell phone starts calling at XXXX XXXX. I answer the phone and I the same man who I spoke with started yelling at me, asking me for {$2000.00} and that he will be at my house within 5 minutes. He also started asking to speak to my mother and called her by name.He continued to call but would not say anything after I advised that I am recording all calls. He continued to call my phone from a private number and as of XXXX XXXX  on XX/XX/XXXX, he has called 25 times which has be and my mother with high anxiety. I know that it is him because you can hear his kids playing in the background on every call while he remains silent. I need this harassment to stop, my mom is elderly and upset and is threatening to shoot anyone that comes on our property
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up to my complaint to remove these items : XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX Please remove the items above for they are erroneously placed or reported in my file
Product: Debt collection

Due to a change in my employment and XXXX kids entering college 2014 I had attempted to work with two banks that I had lot loans with in an effort to lower the monthly payments. They could not or would not work with me to construct a proactive solution to my financial issues. I then had to make a decision to assist my children or keep paying into the lot loans. Of course I choose my children and so I let the lots or into voluntary foreclosure. Fast forward to no and one of the loans through XXXX XXXX XXXX has been resolved but TD bank is now reporting that I owe XXXX as an immediate payment. They are reporting that I owe this every month which of course throws off my debt to equity ratio. They didi not wave the deficiency judgement when it was foreclose on so I do owe this money but I believe how they are reporting it is malicious. Even though my credit blemishes are explainable the way this is entered has precluded me from getting any kind of loans for debit restructuring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with my business partner under my name with XXXX. We received a letter from XXXX stating that if we did not use the card it was going to get closed. We wanted it open so I made two small purchases that totalled {$150.00}. The credit limit was $ XXXX on the card. We forgot about the charge and we were reported to credit bureau as going 30 days over. When we realized our oversight we paid the late fees and total which came out to {$220.00}. Account is now closed but in good standing. 

My credit score the month prior to this mistake was XXXX. Due to this minor mistake with {$220.00} my credit score has gone down twice to a current XXXX. I was in the process of buying a condo which I was originally quoted an interest rate of 3.5 with my credit score of XXXX. Since they dropped my score so much for a minor mistake they wanted {$1700.00} to pay for a point and a half which still gave me a rate of 5.5. This raised my mortgage from {$750.00} a month with no points to {$1000.00} a month after I pay {$1700.00} for the point and a half. I had to back out of the deal which was a great deal because I would have been paying more than rent due to the increased interest rate. 

Then I had XXXX  XXXX XXXX shut down one of two credit cards I have with them due to the credit score drop as well. They sent me a letter that stated since my credit score had dropped greatly and I had not used my card ( which also had a $ XXXX limit ) they closed it. That is going to possibly cause my score to drop further. 

I have never been late on my personal cards or bills. I have my primary house paid off. Two pieces of land valued at over $ 200k paid off. A cabin that I owe only a quarter of what it is worth. My current credit card debt is $ XXXX and I could pay that off whenever I chose. I have never been late on my credit card payments or my mortgage for the cabin or anything else. 

So, all these years I have done everything right. I own a lot of property and keep my debt to a minimum. I now have which is within 20 points of two friends who are finishing bankruptcy. How is that fair. For a mistake worth {$220.00} which was paid off. Someone needs to regulate the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. PXXXX XXXX XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1600.00} XXXX/XXXX XXXX {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times I have complained about the erroneous items which linger in my file and several times it is ignored. I want you to remove the items which are erroneous and not mine it is not permissible that my complaint is being ignored. 

Kindly remove the following items ASAP : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$8100.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please remove this XXXX  inquiry from my credit report.
Product: Mortgage

Our home loan was sold to Shellpoint Mortgage Servicing ( New Rez ) in Fall XXXX. For several months Shellpoint serviced our loan before selling it to XXXX XXXX XXXX ( approx XX/XX/XXXX ). 
While Shellpoint was servicing our loan they were in control of and escrow account that was set up to pay property taxes and homeowner 's insurance. Not only were they in control of these funds from the prior servicing company, Shellpoint continued to collect money for the escrow account each month they serviced the loan. 
Although this was happening, Shellpoint was negligent in paying the first installment of property taxes due to our local county ( XXXX XXXX County, CA ). Because of this we received a noticed of delinquent taxes from the county and were made to pay a penalty of {$590.00}.

I have been in contact with Shellpoint on several instances since at least the beginning of XXXX to resolve this issue. At every turn two things have happened : First, someone on the phone unequivocally apologizes and say Yes, this was our fault and you should be reimbursed by us. They say they will have a supervisor follow up and/or they " transfer me '' to the the " proper department ''. 
Second, I get a letter or email stating that either : I should contact XXXX XXXX XXXX since Shellpoint no  longer services the loan or XXXX XXXX XXXX should reimburse me and then XXXX will charge Shellpoint. 

My issue is that we were made to pay {$590.00} out of our pockets more than two months ago because of negligence on the part of Shellpoint and they should be the ones to reimburse us. Five phone calls and bounced back emails or form letters are insufficient, as is passing the buck and asking a company that had no hand in, or obligation to pay, property taxes in XXXX on our behalf. 

This complaint is solely because of Shellpoint Mortgage Servicing. They were the negligent party that is responsible and did not fulfill their fiduciary duties on our behalf.
Product: Mortgage

Spoke to one XXXX XXXX of WellS Fargo he stated ref my complaint to CFPB the file or completion would be to back of line even though com plaints were made to CFPB ref to Wells Fargo Mortgage and Dealer Services? What one has to do with the other is uncomprehending? Mr. XXXX returned phone call @ XXXX XX/XX/2019 while I was away form notes and repairing my personal vehicle. XXXX XXXX XXXX XXXX left message to call never did to resolve matter! Now as retaliatory to my complaining to CFPB my actions with Wells Fargo will go to back of line. I have done everything that Wells Fargo has demanded including fax necessary documents from branch office on XXXX forbid a Saturday where the clerk had a terrible attitude. Ref to Dealer Services Wells Fargo argued the side of the dealer, XXXX XXXX the interest rate was not competitive most dealers charge 0 % mine was4.490. % resulting in a {$3000.00} down payment an alleged new vehicle with body damage Efforts to resolve matter have been to no avail XXXX, N.Y offered an upgrade to a XXXX XXXX XXXX XXXX @ {$380.00} a month withNO money down. Vehicle with body damage has sat in my garage driven there by spouse with only 98 miles on odometer since XX/XX/2019 This rip off is perpetuated by lack of any action by Wells Fargo who financed damaged vehicle!
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address an issue concerning late payments on my credit record. Upon reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I seek your assistance in resolving this matter promptly and effectively.
Product: Money transfer, virtual currency, or money service

Hi, Coinbase has disabled my account. They asked me to send my identity documents but since have gone completely quiet. I have shared all my identification documents requested but it seems their customer service team has no time. Its been a month since I got their initial request. 

I am unable to reach anyone there. 

I would really appreciate your help.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concern regarding my bank and Zelles handling of disputes particularly due to the recent CFPB lawsuit highlighting these issues. My concerns were never handled adequately and as the lawsuit highlights these issues are ongoing and Zelle is neglecting to protect its customers. This is unacceptable and raises huge concerns around consumer safety and privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand what is going on with XXXX. They reported a missed payment for XX/XX/2023 while I have made my payment and I have attached the receipt on here. From their own website ( XXXX ) as of XX/XX/2023 my balance was {$250.00}, I have attached a screenshot on here for review. I then paid {$250.00}, I have also attached the receipt here. Surprisingly, after that payment my balance went from {$250.00} to {$4.00} instead of {$0.00}. Nevertheless, I paid the {$4.00} and my balance shows XXXX ( nothing ). I do not understand why they reported a missed payment for XXXX while I have made my payment. Remove that missed payment. I have paid and I have uploaded the proof
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Self Financial which is a credit-building account I put money into the self-account every month by paying every month and I am supposed to have a line of credit which I did for 3 yrs, and never missed a payment they also issued me a secured card for which I did not know it was secured I have paid more than the min balance in XXXX I was sick with XXXX and I accidentally paid the credit builder account instead of the XXXX so I was charged a late fee and it was reported on my credit as late I need it removed trying to buy a house and now they have damaged my credit instead of improving my credit they will not reverse the late fee to take off my credit they have many complaints
Product: Debt collection

On XX/XX/21, I purchased furniture from Conn 's Appliance , Inc. invoice XXXX in XXXX, VA. The amount of the items purchased was {$4200.00} ( with fees XXXX + XXXX + XXXX ) a total of {$4600.00}. However the amount of the contract was for {$5800.00}. An overcharge of {$1100.00}. The math is wrong. ( The Lamp and end table were promotional items and were paid for in cash ). I was also charged for a Gaming Desk which purchase was cancelled. In addition the service contract was cancelled inadvertently without my knowledge. Attached please see a copy of the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my name, SSN, DOB fixed with  Equifax since XX/XX/XXXX since I found out they had my DOB linked w/ my older brothers name & SSN when I went to get pre-approved for a mortgage loan. EQUIFAX did nothing to correct it until now ( after I had sent all the required documents ). Worker, XXXX XXXX, from Equifax signed for these documents in XXXX, GA on XX/XX/XXXX at XXXX. Yet, instead of correcting the problem & establish a different file for me, they DELETED my youngers brothers SSN & entered MY SSN in his file. Now all of my younger brothers mortgage loan, credit cards/auto loans are shown under MY SSN, but with HIS name & DOB. And none of my credit card/auto loans show up in there. I dont know why they can not see it right. The documents I submitted ( DLs, passport ) do not show younger brothers DOB. This problem needs to be fixed as earliest as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I submitted identity theft information to Equifax regarding someone else 's information that is being reported on my credit profile. Enclosed in the packet was information from a lot of service providers who were attempting to collect on an alleged debt. This information was directed to a XXXX XXXX, and this person is not me. However, On XX/XX/2018 I received a document from a third party agency name XXXX. This company enclosed my entire identity theft packet. ( XXXX XXXX ). It included that Equifax was the company who sent them the packet. This packet included a lot of information regarding other companies. Equifax released all my PRIVATE information to a company who I do not know and this is a breach of Privacy. I am very upset as to what this has done. Now all my information is vulnerable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting charges offs on my credit report with balances, according to US Code Laws that is a violation of my rights and is against the law. All charge offs by law must report zero balances since the debt was sold to a collection agency. 

Account name XXXX Account XXXX XXXX Balance {$140.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$55.00} Account name XXXX XXXX XXXX Account number XXXX Balance {$65.00} Account name XXXX XXXX XXXX  Account number XXXX Balance {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. Account # : XXXX Account Type : Open Account Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$81.00} No. of Months ( terms ) : XXXX High Credit : {$81.00} Credit Limit : {$0.00} Past Due : {$81.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Collection Account Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : -
Product: Credit reporting

I received a letter dated XX/XX/2017 from CREDIT COLLECTION SERVICES ( CCS ). The notice looks contrived and my name is not XXXX. I called experian, transunion, and equifax. Each advised me to call XXXX, an organzation which fails to disclose a legal entity name. MY SCORES HAVE DECLINED TO THE LOW XXXX from XXXX last week. My mother paid them {$380.00} to satisfy their demands. CCS has inaccurate information and XXXX coerced payment to calm me down. Please see attached. XXXX emailed me with a bogus link to click with the language : ACTIVATE EMAIL MESSAGING. The URL embedded is : https : //self-service.ccsusa.com/? XXXX & fi= & XXXX & XXXX & XXXX & XXXX & XXXX : % XXXX , % XXXX : % XXXX , % XXXX Attached are the only XXXX documents I have. Also, they asked for my social security number. When I uploaded these documents, a popup contained the term " fake path. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

See attachments - DISCOVER BANK violated my federal rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 4 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

i have challenged the 100 % accurate reporting of this XXXX charged off account being reported by the credit bureaus as required by law 6 times now... i have pointed out that this account is being reported as a re aged account... ..transunion, XXXX and XXXX are still reporting inaccurate information on my credit report and doing so they are violating my consumer rights... i have attached proof of the inaccuracies but let me write them out for you if you take a look at the date of last payment the bureaus are reporting XX/XX/XXXX, and XX/XX/XXXX but if you look at the 2 year payment history they are also reporting it as XX/XX/XXXX ... .this is inaccurate reporting and a violation of my consumer rights if you take a look at the high credit amounts there are 3 different ones being reported between bureaus {$2200.00}, {$0.00}, and XXXX ... all 3 cant be accurate and therefore they are violating my consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

When I was reviewing my credit reports on XXXX, XXXX and Equifax I was shocked to see a negative credit card on my report. I realized that is it NOT my account and a result of fraud. I have excellent credit score and this fraudulent account is really damaging my credit score and reputation. I filed a identity theft report on FTC already and had mailed the credit reporting agencies everything they needed. I tried calling the agencies multiple of times and they just put me on hold for more than an hour just to disconnect me. They have not resolved my identity theft issue or even contacted me for an update.