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

in accordance with the fair credit reporting act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681 XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account XXXX  XXXX| xxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX Age XXXX Account XXXX/XXXX| xxxxxxxxxxxx XXXX  CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX  XXXX| XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX XXXX XXXX Account DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX {$1700.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX Age of Account DEPT OF EDUCATION/XXXX XXXX XXXX XXXX {$3000.00} Remaining Balance Last Payment Amount XXXX Late Payments XXXX Age of Account XXXX/XXXX| xxxxxxxxxxxx XXXX CLOSED Account Status {$13.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account XXXX  XXXX| xxxxx XXXX CLOSED Account Status {$0.00} Last Payment Amount XXXX Late Payments XXXX Age of Account XXXX XXXX XXXX  XXXX XXXX XXXX CLOSED Account Status {$15.00} Last Payment Amount XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX XXXX fcra XXXX XXXX i have the right privacy 15 usc 1681b section 604a section 2. it also states a consumer reporting agency can not furnish an account without my written instructions which basically is saying that unless you give the company written consent to put this on your report that is the only way that they're allowed to report it to the credit bureau, which I have not given any permission. then it says 15 usc 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 they may only report crimes not debts which the report by more than three years 15 usc 1681 s 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.

15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Product: Debt collection

There is a debt of {$200.00} on my credit report recently which is not my legal responsibility to pay. I will go over the whole story below. 

I was in a lease agreement with an apartment complex ; XXXX XXXX XXXX, they charged me {$200.00} for a security deposit which in the lease, say that " After you move out, well return your security deposit, less lawful deductions. ". This is all in the lease which I also attached. I never receive the deposit back, in fact I never receive any answer or clarification to any of my questions after I move out. So naturally I assume the deposit is to be included in the move out bill. 

After the move out process, I was sent a bill of {$1000.00} including the breakdown of each item. This does not include the security deposit mentioned in the lease, so I tried contacting them so many times, but no one answer my questions. Eventually, I decided to pay the amount {$1000.00} - {$200.00} = {$820.00} and basically told them that's all I owed them. Still, no one answer me. 

Time passes, and now there is a {$200.00} debt shows on my credit report. It seems they reported it to debt collector as debt even though I receive no clarification whatsoever from renew parc shore and I never receive any written document whatsoever about the bill before it hit my credit report. This is unacceptable.
Product: Mortgage

I obtained a mortgage loan from Wells Fargo Financial on XXXX/XXXX/2007 for an amount of {$39000.00} with an interest rate of 11.88 %. To this date my balance is {$32000.00} with the exact same HIGH interest rate. I set my account up on a automatic draft of {$250.00} every 2 weeks in hopes of seeing my balance go down. My payments are {$430.00} and I am paying {$500.00} a month. The majority of my payment goes to the interest. At times NONE of my payment is being applied to the balance at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am here because I have paid off at least 20 accounts from XXXX to XXXX. A lot of these are still on my Equifax report. Even after, I sent over all documents showing that all accounts was paid in full. Some are still showing unpaid on my report they ask to send documents showing that they are paid, sent them the information they asked for and Equifax still have not removed them off my report. Talk to one rep for them gave her my information and she tells me that she don't have enough information to look at my account. 

It's bad when you have all the documents that is needed and Equifax still want removed the account. And I know they can remove the account cause I see some are not on my credit report now. So to say that they can't remove that account is a bold face lie. And it been away over 30 days and like a said the accounts are still on my report. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them or update them right away 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 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, credit repair services, or other personal consumer reports

I can't login to my myequifax account, always says " We are unable to complete this request ''. I wanted to login to freeze my credit but can't.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I recently checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Credit reporting or other personal consumer reports

I have been disputing negative and fraudulent Items in my credit reports since XX/XX/XXXX. XXXX, XXXX and TransUnion are constantly bouncing my information back and forth, they are always adding derogatory items on my credit reports. They are constantly sharing my personal private information without my permission they are constantly violating The Privacy Act of XXXX, XXXX, Transunion and XXXX are extremely negligent they constanly violate 15 U.S. Code 1681s. They are supposed be truthful but they just lie they constantly send me the same computer generated responses and they tell me I'm not truthful. I have submitted multiple identity theft reports, they all owe me {$50000.00} each, one day they will remove items and then the next day they add items that are not mine. they violate 18 U.S. Code 242 and 15 U.S. Code 1681n They constantly break the law. I have not been able to get approved. On XX/XX/XXXX they removed the XXXX account and they blatantly disregarded the attorney general of XXXX  they also violate 15 U.S. Code 1692 Transunion, XXXX and XXXX are violating UCC 1-103 : Duty of good faith and fair dealing.

UCC 2-305 : Implicit contractual obligations requiring equitable exchange.

UCC 9-102 : Protection of intangible property interests.

Additionally, I suspect that XXXX, TransUnion and XXXX 's actions, including the unauthorized use and monetization of my data, may involve the private securities market, with significant tax implications. I have requested a forensic securities audit to uncover the extent of these practices. They break every FCRA law including 15 U.S. Code 1681e. I have submitted affidavits under penalty of perjury and they still provide no proof or help. TransUnion, XXXX and XXXX pose as " Credit Bureaus ''. but they are not Federal, Bureau means federal. These are privately owned data mining companies. They get to s
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO NAKE 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

To whom it May Concern, Ive had the opportunity to view my credit Report and there are Multiple Inquiries that I Dont Recall I havent Signed any Documents requesting these inquiries.I would like an Investigation into the following inquiries as listed.XXXX XXXX  on XX/XX/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 provide Signed Documents .
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of ( XX/XX/XXXX ) as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : XXXX XXXX  XXXX $ XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice.
Product: Mortgage

On XX/XX/2023 I went to make a payment with Mr Cooper. Their website, app, and phone all say their system is down and you can not make payments. I called and checked online again today XX/XX/2023 and the system is still down. There is no way to make a payment or get ahold of someone. Interest accrues daily and this seems like a way for them to make extra money on fees and interest. This is illegal not allowong a customer to make a payment on their loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit Bureau 's credit reporting agency ( CRA ) is reporting inaccurate accounts listed below ; Due to their errors in reporting, Im reporting these violations. The first is with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second is the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be corrected from the agencys report. The following accounts listed below is inaccurate. 
XXXX XXXX XXXX Balance : {$17.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$40000.00}
Product: Debt collection

During the fall of 2019, I began receiving phone calls from Portfolio Recovery Associates, LLC ( PRA, LLC ) attempting to collect a credit card debt previously held by XXXX XXXX. Initially believing this to be a legitimate debt owed, I spoke to a representative over the phone agreed to pay a settlement amount of {$1200.00} by XX/XX/2019. However, after checking my financial records, I realized that I had already settled this debt with the original creditor, XXXX XXXX, and the debt was paid in full. I received tax documents from XXXX XXXX  and the discharged debt was listed as taxable income for the 2019 tax year. Despite this and despite the fact that I submitted records to confirm my payment to the original creditor ( settled with 3 monthly payments of {$540.00} paid XXXX 2019 ) as well as my 2019 tax documents, Portfolio Recovery Associates continues to report inaccurate information to credit reporting agencies, severely and adversely affecting my credit score.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX I have received information from Experian Credit Serv. and it was not good information. They sent me back XXXX XXXX which is still pending and I don't even know who they are. Can you help me with this matter? My personal information still has my old address on it, which can be used by an addresse. My name is XXXX XXXX XXXX, my address is & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any other address is not mine and should be deleted along with the name. 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. These are hard Inquires that are not mine and yet they are on my Credit report and must be for a signature or deleted. They are saying that these must stay on my report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block.inc ) due to inadequate customer service and unfair practices which violate the Consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address this fraud on their platform leaving my account vulnerable and unprotected. Their dispute process was unfair and unlawful they didnt comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss
Product: Credit card or prepaid card

I receive my unemployment benefits thru Bank of America. In XX/XX/XXXX, my unemployment card was used inside a gas station where it was skimmed. Over the course of the next few days, the thieves actually withdrew money from my account totaling {$1800.00} from ATMs hours away from the city where I reside. When the missing money was brought to my attention the day they took the final amount of money ( I had low balance alert ) I contacted Bank of America and the police to report the crime and to get a police report. All of that information was relayed to Bank of America and while the investigation was being conducted they credited my account back the money. The investigation resulted in them permanently crediting my account XXXX letter sent by BoA stating this ) for the total amount of XXXX. 
Months later, with no warning, the money was withdrawn out of my account again. A new investigation was launched and finally after nearly a year I received a letter on XX/XX/XXXX saying that the investigation was complete and they HAD credited my account. Of course, no credit to my account was ever made. 
I have made nearly 5 calls to the unhelpful customer service agents and each time I was told that an escalation had been filed and there was nothing more I could do. And today, I spoke to a supervisor that was SO RUDE, yelled at me and then hung up in my face. 
I feel I am being discriminated against because this is a California Unemployment account and at this point it feels like I am being targeted, played with and disrespected by a billion dollar corporation during a pandemic. 
This bank has HORRIFIC business practices and horrible customer service. No one has really helped me although they have pretended to by filing these escalations that obviously escalate nowhere. The ride supervisor who hung up in my face as I was requesting her name, told me to call back in 5 days if the money wasnt in my account. Im sure it wont be. I have been victimized twice. Once by the criminals who stole my money out of the bank and now continuously by the actual Bank.
Product: Debt collection

I have provided updated information regarding this false account on my credit report that this debt collector requested. I'm aware that this is all that's needed to process this false account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account and several inquires that i did not authorize reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed three disputes each for two different XXXX XXXX accounts. The first account ends in XXXX and the second account number ends in XXXX. Attached you will find the results of those disputes from Equifax. XXXX XXXX states on ( IMPORTANT INFORMATION ) on XX/XX/XXXX that the last payment they received from me was XX/XX/XXXX. This was not the original date showing up on the first dispute but was changed by the company on subsequent disputes. On the first account ending in XXXX, I did not make any payments on XX/XX/XXXX whatsoever. I did however make the following payments amounts and on the following dates. Payment one after their XX/XX/XXXX date was on XX/XX/XXXX in the amount of {$150.00}. Payment two was made on XX/XX/XXXX in the amount of {$130.00}. Payment three was made on XX/XX/XXXX in the amount of {$1200.00}. Payment XXXX was made on XX/XX/XXXX in the amount of {$9.00}. And lastly, for this account payment, five was made on XX/XX/XXXX in the amount of {$11.00} resulting in a XXXX balance ( please see attached payment history from XXXX XXXX 's website ). Now, if they reported on XX/XX/XXXX that my last payment was on XX/XX/XXXX, where did they get this information since it is completely inaccurate? If the balance was updated on XX/XX/XXXX it would show a XXXX balance instead of owing 98 % of my available credit. This misuse of information is damaging to my credit report and I have tried three times to no avail to get the issue rectified. On the second account ending in XXXX, the following payments were made on the following dates. Payment one was made on XX/XX/XXXX in the amount of {$250.00}. The second payment was made on XX/XX/XXXX in the amount of {$98.00}. The third payment was made on XX/XX/XXXX in the amount of {$410.00}. And lastly, the four payment made on this account was made on XX/XX/XXXX in the amount of {$50.00}. No payments were made on either account on XX/XX/XXXX as stated by XXXX XXXXXXXX. The correct balance for this account is {$490.00}, not {$940.00}. For reasons I will not speculate, XXXX XXXX and Equifax have failed to fix the reporting of this false information despite me sending them proof and being persistent in my findings. In lieu of the information being corrected, account remarks have been changed and the date from the first dispute versus the next, and so on. I am trying to get this issue resolved as quickly as possible. This information is being reported to you because my formal disputes are going uncorrected and my phone calls are being abruptly ended despite no vulgar language or yelling on my part. I have been nothing but professional in this matter but ; I have been persistent. Please see the 14 attachments below. Thank you for your time in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an unknown payment for XX/XX/2021. I have a statement showing that I made payment in XX/XX/2021. They also reported that I have a payment increase in XX/XX/2021 for {$340.00} even though I paid the lease in full in XXXX and settled the account. Not in XX/XX/2021 as indicated.
Product: Mortgage

I received a notice prior to foreclosure from Shellpoint Mortgage Servicing, dated XX/XX/XXXX. The notice states I am two payments behind, each approximately $ XXXXThere is also a " XXXX XXXX XXXX '' of {$3200.00} on the notice. This charge does not appear elsewhere on my statement, and Shellpoint has failed to provide a written explanation of this charge despite multiple requests. Furthermore, this is a VA loan, and foreclosure is not allowed to begin until the loan is 90 days past due. According to my most recent statement from Shellpoint, I am not 90 days past due. 
When I was granted a deferral from Shellpoint they did not send me any sort of confirmation paperwork. This lapse in communication is why I missed those payments. Since the loan is less than 90 days past due, I wish to discuss a payment plan to resolve those two payments. However, I dispute the {$3200.00} " XXXX XXXX XXXX ''. Shellpoint has also failed to send the required loss mitigation packet, for a VA loan that would be the loss mitigation packet specific to VA backed mortgages. 
I have also requested reasonable XXXX accommodations from Shellpoint, in that any communication regarding this loan be in writing. On XXXX XXXX XXXX I requested via email to XXXX XXXX, the XXXX person assigned to my loan that communication be via email, and that Shellpoint suspend calls. This request was also made verbally several times both before and after. This request was not honored by Shellpoint, and they have continued to place calls to my personal phone as recently as XX/XX/XXXX. The correspondence I have received from Shellpoint says that I will need to call their number, which is not feasible, and they have provided none of the accommodations requested. 
Despite the previous foreclosure being withdrawn, Shellpoint is still reporting to the public that my home may be a distressed property. This has drawn unwanted attention from several people, one of whom, who gave his name as " XXXX '' and said he was working " for the mortgage company '' showed up on my porch and refused to leave when asked. He was very belligerent, and threatened to break down my door and XXXX XXXX  me.