23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Called to close the account on XX/XX/2022 the next day at XX/XX/2022 I received a call XXXX from a FORTIVA representative from XXXX. I have records they called earlier at XXXX and XXXX and I declined both calls. I, finally answered at XXXX and the representative asked to re-open my account with a special offer. I said I'm not interested, and I hung up the call. Then hours later get and emailed the account was reopened. When I called XX/XX/2022 to have the account closed. Fortiva refused to close the account because now they claim it has to be closed to the Fraud department. No unauthorized charges have been made. The only issue is they're Sales Retention team opened the account without my authorization and now they are demanding to supply personal documentation to close the account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am writing to file a complaint against XXXX XXXX XXXX and XXXX XXXX  XXXX for wrongful reporting to the credit bureau. I recently discovered that the company has reported negative information on my credit report, which has affected my credit score. However, I have no prior knowledge of this account, and the company has never contacted me regarding any alleged debts. 
When I contacted them at ( XXXX ) XXXX to inquire about the account, they did not have any record of me or the alleged debt. This raises serious concerns about the accuracy and legitimacy of the information they reported to the credit bureau. It is extremely alarming to me that a company can report negative information on my credit report without even attempting to contact me first. 
I am deeply troubled by this situation, as it has caused significant harm to my credit score, and therefore my financial well-being. I believe that XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I urge the CFPB to investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX and XXXX XXXX XXXX is held accountable for their wrongful reporting practices. I request that you take all necessary steps to rectify this issue and remove any negative information from my credit report that has been reported without my knowledge or consent. 
Thank you for your attention to this matter. I look forward to hearing back from you regarding the progress of this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: 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 : XX/XX/XXXXXX/XX/XXXX Account Number:XX/XX/XXXX Account Name : XX/XX/XXXX Account Number:XX/XX/XXXXAccount Name : XX/XX/XXXXAccount NumberXXXX Account Name : XX/XX/XXXX Account NumberXXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

XXXX XXXX, a financial institution and furnisher of information, along with EQUIFAX AND XXXX, consumer reporting agencies, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 

I, the consumer, have been adversely affected by XXXX  XXXX, EQUIFAX, AND XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which 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. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, EQUIFAX, AND XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked. 

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 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. XXXX XXXX, EQUIFAX, AND XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. XXXX XXXX, EQUIFAX, AND XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint. 

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services.

My intent is to sue if said issues are not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT,
Product: Mortgage

Our payment is XXXX XXXX per month including taxes and insurance XX/XX/XXXX payment is reflecting XXXX They also haven't posted the XXXX additional to be added to our escrow account XX/XX/XXXX This company has 1000 's of complaints regarding the same issue
Product: Credit reporting or other personal consumer reports

I want the accounts listed deleted. the accounts are affecting my ability to obtain credit. 
XXXX account # XXXX date opened XX/XX/year>. It shows close on XXXX XXXX XXXX but open on equifax. doesn't have the correct date it was open.
Product: Debt collection

On or about XXXX XXXX, 2016, I received a collection letter from Commonwealth Financial Systems for {$120.00} ( offering to settle for {$95.00} ). The original creditor was listed as XXXX XXXX XXXX XXXX. This is not a debt that I recognize nor do I have records of any collection attempts by XXXX XXXX. 

My credit history reflects a pattern of timely debt payments ( credit score being XXXX ). 

This collection letter concerned me and I immediately responded via phone call to Commonwealth and followed up with a letter to Commonwealth requesting documentation of verification of the debt. This response from me to Commonwealth was well within the 30 day timeframe required to dispute the debt. 

To date ( XXXX XXXX, 2016 ), Commonwealth has not responded to me with any additional information or documentation. However, they have reported the collection to credit reporting agencies. This reporting by Commonwealth has resulted in a significant drop in my credit score ( from XXXX to XXXX ). 

Commonwealth has not provided any verification of the debt despite my request for verification. I want this issue resolved in a timely manner.
Product: Debt collection

MY RIGHTS UNDER THE FDCPA AND FCRA HAVE BEEN VIOLATED. 

TRANSWORLD SYSTEMS HAS VIOLATED ALL CEASE AND DESISTS. 

I HAVE REQUESTED SEVERAL DEBT VALIDATIONS AS WELL AS A SIGNED CONTRACT WITH TTRANSWORLD TO COLLECT ON MY RIGHTS UNDER THE FDCPA AND RIGHTS HAVE BEEN VIOLATED. 

TRANSWORLD USED FRAUD AND DECEPTION TO PURSUE AND OBTAIN DEFAULT COLLECTIONS. 

ON XX/XX/2022, TRANSWORLD NOTIFIED ME THAT THEY WERE CLOSING THE ACCOUNT. 

ON XX/XX/2022, SEIZED AN INCOME TAX PAYMENT ILLEGALLY WHICH CAUSED A SEVERE HARDSHIP. I HAVE NO CONTRACT WITH TRANSWORLD SYSTEMS.

TRANSWORLD SYSTEMS HAS ALSO IGNORED THIS ALLEGED DEBT. TO DATE TRANSWORLD HAS NOT PROVIDED ANY DOCUMENTATION BECAUSE THEY CAN NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed both XXXX XXXX accounts on experian to be updated it now says Account Previously In Dispute - Now Resolved - Reported By Subscriber. I would like this removed as it this will cause a problem when I apply for mortgage.
Product: Credit reporting or other personal consumer reports

Equifax has failed to provide and remove the inaccuracies on my report .Equifax has not fulfilled its legal obligation under the FCRA , including ensuring maximum possible accuracy of my credit report ( XXXX U.S.CXXXX ( b ) and conducting a proper reinvestigation to remove the errors within the required 30 day period ( XXXX U.S.C.XXXX ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an bankruptcy on my credit file that must be removed. I recently checked my credit and noticed that Experian is reporting a bankruptcy on my credit file from 8 years ago. XXXX & XXXX  have removed it because it is past the credit reporting limit but Experian continues to report this item and it is a violation. This bankruptcy must be removed from my credit file as it past the credit reporting limit.
Product: Debt collection

I received an unusual text from National Recovery Agency about a debt with a Maryland utility company, XXXX. I had never heard of National Recovery Agency and I have never received a text message in place of a letter from a collection agency, with a link to pay processing fees in addition to the amount owed. A few hours later, I received a call from the original debt collector, XXXX, who had no knowledge of or connection to National Recovery Agency. Fearful of a scam, I contacted XXXX directly and took care of the balance. I then called National Recovery Agency and spoke to a XXXX XXXX. I explained what happened and asked to be removed from their list. I explained that I didnt know if their tactics were legal, but that I no longer wanted to be contacted by them. XXXX XXXX became belligerent, and abusive, telling me that I only called to argue and then she abruptly hung up on me. This behavior, in total, is unacceptable.
Product: Debt collection

I moved from Virginia to Illinois in XXXX after getting married. 
I did not know I was served to appear in court in Virginia till I returned to Virginia in XXXX and requested that XXXX verify my debt. This is when I saw that there was actually a hearing XX/XX/XXXX. Upon more research, I was served at XXXX, VA where I had not resided at for years. The last residence I had in Virginia was in XXXX XXXX. My addresses are all listed on my credit report so this was not hidden information. This debt was not even obtained in Virginia but in Illinois. They sent me the last XXXX XXXX XXXX XXXX had and that my most current address at the time of XXXX XXXX Illinois. The letter sent to me in the debt verification is dated XX/XX/XXXX and also dated to the XXXX XXXX address. So, XXXX knew I was not residing in Virginia, let alone at that address in XXXX. I'd always done a change of address with the post office so if anything, they had me served at the XXXX XXXX address, it would've been forwarded to the most current address. 
Because I did not show up ( because I was intentionally served at the wrong address ), they won their judgment and for years they have been adding interest and fees to the balance. 
This year they attempted a garnishment and had a lien on my bank account. I was able to get that dropped due to receiving child support and this caused and IMMENSE amount of stress as I was unable to pay bills and had to borrow money. Also, the bank in which they put a lien on, charged me XXXX that they will not return.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very difficult to get to a live person at the three credit bureaus, XXXX, XXXX  and Transunion. Sometimes there is a question that can not be answered using the automated answering system or FAQs. Senior Citizens, especially, have extreme difficulty using the automated phone systems and using online websites. They often just want someone to talk to. There needs to be a straight forward way to achieve this.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

I am a victim of domestic XXXX. HUD told me to tell my story to the CFPB. Round Point Mortgage LLC. has been completely unwilling to help us with regard to our situation. In fact, they're forcing our home into foreclosure with a public sale on XX/XX/year>, even though I paid the loan modification terms. My ex husband is refusing to sign the loan modification papers because he wants the home in foreclosure. Please contact my attorney for verification of this. I have been trudging through a very nasty, tumultuous divorce with my ex who is still on the deed for the house. 

I've had numerous scary encounters with my ex as has our six-year-old son who also lives in our home. There have been restraining orders placed against him and now a no contact order is in place. 

The courts awarded me temporary, singular ownership of the home. After coming off a covid forbearance, and knowing full well the extent of our circumstances as I requested mortgage assistance, Round Point offered a loan modification. I paid the amount agreed upon, but because my ex refused to sign the loan modification papers, Round Point sent our home into foreclosure. 

My ex stated he'd rather send the home into foreclosure as yet another power and control tactic. Even though I can and did pay the amount alloted for the loan modification terms. 

No extension for our final orders hearing was offered, nothing.

I can and have paid the mortgage. It is my position that Round Point cares very little about women and children who are victims of domestic XXXX and the company seems to lack ethics in general.

Round Point has refused to help us without me coming up with the forbearance amount which is upwards of {$17000.00} and some change. I am in the middle of a divorce, Round Point. A scary one. People lose their lives from situations like this and offering no options to us, no support at all feels cruel. I know your hands are not tied and someone can do something. There are laws protecting people like me.

My ex is refusing to sign the loan documents when I've been the only one paying on the mortgage or corresponding with Round Point for years.

Furthermore, I can not even request documents from Round Point because they will simply not send them. I need those for my final divorce hearing XXXX. I haven't ever received a single document I've requested from Round Point.

Just a thought Round Point, maybe you could have extended the deadline for those mortgage documents for XXXX, so I could at least had a divorce decree before sending our home into foreclosure. Why, Round Point? Why would you be so cold and unhelpful? There has to be protections for people like us. Domestic XXXX protection available for home owners exists, I am sure of it. 

This man abused us and then abandoned the family home. He has paid nothing towards our collective debts or the mortgage. Round Point is an unethical company who remains silent in troubling circumstances. 

The bottom line is we need help and if Round Point isn't going to help us, then they may as well be in support of what had happened to our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

At some point this has to stop. Im a hard working individual thats working and trying to take card of my debt in order to buy a house. And under 15 USC 1681 I have right that gets over look by these companies over and over again and this is where it stops. 

Equifax, XXXX XXXX, and XXXX  are all govern by 15 USC 1681. And theyve repeatedly violated my rights numerous of times. I demand for these accounts to be remove listed below, because according to 15 USC 1681 section 602 ( A ) I have the right to privacy and I have not given again equifax, XXXX XXXX, or XXXX and written permission to furnish these accounts. 

I have also went over all of my credit report again with all 3 companies, and the information is still inaccurate I will not be going over it again. I will be seeking payment and have proof that the information with all 3 companies are completely different. 


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

I recently got a copy of my credit report and noticed that I have a few fraudulent accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my second complaint on Shellpoint Mortgage Servicing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX / XXXX New Rez XXXX XXXX Owner of loan and they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Shellpoint took over this mortgage on XX/XX/XXXX. At that time I was not aware of this having relocated to Tennessee the first of XX/XX/XXXX and not receiving any notification. Payments were made to XXXX XXXX but Shellpoint did not acknowledge said payments showing late payment on my credit report. Shellpoint was paid in full on XX/XX/XXXX according to their payoff letter. Shellpoint first refused to acknowledge that they were even paid through a wire transfer made by XXXX XXXX on XX/XX/XXXX. It took until XX/XX/XXXX for them to agree and to accept the payment so the loan was paid off in full. It has now been sixty days since they were paid off. They refuse to update with the credit agencies showing the account was closed and remove the two late payments of XX/XX/XXXX and XX/XX/XXXX. I have made numerous requests and my credit is still showing late and account still open sixty days after they were paid in full. This is keeping me from getting a mortgage on my new residents. They continue to tell me the Paid In Full letter is not ready along with not showing accurate late payments and closed accounts to the credit agencies.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 reporting, credit repair services, or other personal consumer reports

My lease vehicle was involved in a car accident on XX/XX/XXXX. I was not the driver, my son was driving. I contacted GM Financial to find out what the next steps would be, if my claim was denied. I was told, in a recorded conversation by GM Financial, that " we would need to pick up the vehicle and sell it at auction. We would take that amount off the amount you owe and then we would file a gap coverage claim since all lease vehicles come with gap coverage '' I then called again to the Total Loss department and spoke with a different agent who stated they were waiting for XXXX to release the vehicle. I contact XXXX and the vehicle was released on XX/XX/XXXX and picked up by GM Financial on XX/XX/XXXX. Immediately after this, I had a credit alert notification that my vehicle was placed as 'Derogatory, Repossession ' My issue is the fact that after numerous calls ( nobody from GM Financial has reached out to me ) I was never once told that if GM picked my vehicle up that it would hit my credit as a repo ( this was over 200 points against my credit report ). I am devastated at this. I was never given the option, or choice. It is all in their recorded calls. I have left messages for a supervisor to call me back, and still, not one call. I continued making my lease payments since XX/XX/XXXX so my credit would not have a negative impact. I have never missed a payment, or made a late payment, and now this. No calls to explain to me what is going on.

Please help!

Kind regards - XXXX XXXX XXXX