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

XXXX5 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These inquiries should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) 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 INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the inquiries, listed IMMEDIATELY!

Ive submitted proof of Identification card, Social Security card
Product: Debt collection

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.The following account JEFFERSON CAPITAL SYST ( Account Number : XXXX, Original Creditor : XXXX. Date Opened : XX/XX/year>. XXXX {$2300.00}. I have never had an account with none of those companies. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX and I do not have any contract with JEFFERSON CAPITAL SYST. 
I have attached a copy of my ID and FTC report. ( Please see attachments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX  XXXX, XXXXXXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Checking or savings account

In XXXX of XXXX ' I was told that my Chase Business account has been placed on hold and they were not able to provide me the reasoning. I have been reaching out periodically since to obtain reasoning as to why the money is not being available to me. I have spoken just now to XXXX XXXX at Loss Prevention after speaking to many others in that department as well as management in other departments related. Besides throwing me back and forth between asset recovery and loss prevention no one can provide me an answer as to how to get my funds released.

It has been 15 months and my funds are still being held with no answer. No one will provide me the proper phone number to reach out to or provide me the proper email to reach out to they just keep telling me to call back. When I call back the same thing happens over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent out a dispute/investigation letter the was signed for on XX/XX/2021 and have have not heard anything from the XXXX about the dispute. the dispute was for inaccurate reporting of dates on accounts. and inquires that i didn't authorize.
Product: Credit reporting or other personal consumer reports

Please remove this charge off from XXXX XXXX XXXXXXXX XXXX, This account has been charged off, the debt collectors has gotten a tax write off for this debt and I haven't received a XXXX c form my past due date says XX/XX/2023 and this account has been written off for yeqrs now please remove these from my credit report this is a violation of 15 USC 1692 ( c ) ( c ), 15 USC 1681 and 15 USC 1666b
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE FRAUDULENT ACCOUNTS AND THEY HAVE NOT REMOVED THEM
Product: Mortgage

Mortgage Company, Wells Fargo Home Mortgage finance my loan with the incorrect address, Instead of two units, duplex it listed the address as 71 properties to one thousand properties.on the Fixed Rate Note The Deed of Trust and the 1-4 Family Rider.
Product: Debt collection

I owed XXXX XXXX TD Bank {$1900.00} back in XX/XX/2020. XXXX  XXXX  stopped using TD Bank as their creditor in XX/XX/2020. I paid off the balance {$1900.00} in XX/XX/2020 and have my bank statement for proof. I have called XXXX XXXX and TD Bank which are both unwilling to resolve the issue or provide help. I need this fixed because this error is preventing me from moving forward with a home loan.
Product: Credit card or prepaid card

This company Capitol One is claiming I owe a debt, they're harassing me with threatening letters, and sharing my nonpublic financial information according to 15 usc 94 s.s 6801with third party non associates, to display for profit without written consent, defamation of character according to 28 usc 4101 ( 1 ) also false and misleading practices according to 15 usc 1692 ( g ) also uninformed use of credit according to 15 usc 1601 ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OHIO XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX, XXXX , OH XXXX, XXXX XXXX   XXXX XXXX, XXXX , OH XXXX, XXXX XXXX XXXX XXXX, XXXX , NJ XXXX. 
ALSO DELETE THE FOLLOWING NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX PLEASE DELETE THE FOLLOWING NAMES LISTED :, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  hard credit inquiry It's a hard inquiry that is not mine I've notified the company they would not provide me with documentation stating there was no count opened. I also requested for them to take it off my credit.
Product: Payday loan

I borrowed {$480.00} and now I 'm expected to pay back quadruple that amount. 
i.e. : XXXX from XX/XX/2016 until XXXX 2016 I 'm XXXX, on a fixed income, this is PREDATORY LENDING at it 's finest. 

WHO IS MAKING ALL THAT INTEREST ON THIS MONEY! IT 'S REALLY A SHAME BEFORE GOD!!! 

Also while checking for the link to try and pay off early, it 's not there, but I did discover there was another loan pending online there, ONE ; I DID NOT APPLY FOR, but NOW, IT 'S GONE! I SCREENED SHOT A COPY TO ATTACH TO THIS COMPLAINT! 

I do believe someone is committing FRAUD!!!
Product: Credit reporting or other personal consumer reports

My home loan was paid in full XX/XX/23 and they are claiming a late payment on my report damaging my credit and my ability to purchase another home. Home was sold XX/XX/XXXX prior to any payment being late for XXXX. XX/XX/XXXX no longer my bill! Please remove this invalid report. 
Spoke to Homeloan serve and was told they would remove once disputed and they did not
Product: Credit card

There are late payments on my credit report that are not accurate. I was a victim of fraud which caused my personal checking accounts to bounce and therefore make my payments late. I contacted Capital One about this and they have done nothing to remove the payments. I sent them a dispute letter and they verified this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XXXX, XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX {$580.00}
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX - XXXX - {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, a 30days past due was reported on my credit report via XXXX  credit card. 
During this time i had contacted XXXX and tried to fix the problem with them. I tried to explain that my XXXX card had not been active for a few years and i simply forgot that i had used it for a purchase. I asked to make the payment in full and for it to be forgiven from my credit report. 
I have had this card since XX/XX/XXXX and my payments are always on time except for this one incident. 
My past due was still reported ...
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$7300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account XXXX : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA 2. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX  Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$8800.00} on my credit report that is seriously damaging my credit scores PPlease delete this inaccurate information form my credit report 3. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 XXXX XXXX Account Number : XXXX This is a charge off account and the balance should be {$0.00} and why is it showing {$210.00} on my credit report that is seriously damaging my credit scores Please delete this inaccurate information form my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint number XXXX which was filed on XXXX with company is in direct violation of 15 u.s.c 1681i ( a ) ( 1 ) ( A ) which states that the governing law provides a response time of 30 days but under certain circumstances may be extended to 45 days. The company has not complied with this federal law.
Product: Mortgage

My husband and I have a mortgage with XXXX XXXX XXXX and we applied for a loan modification in XX/XX/XXXX and we have a signed contract stating that our loan modification has been accepted. The next month in XX/XX/XXXX XXXX XXXX XXXX sold the loan to a company called XXXX. In XX/XX/XXXX we sent in the new payment of {$1900.00} and Shellpoint accepted and cashed it. We sent in XX/XX/XXXX Payment of {$1900.00} to Shell Point and they accepted that payment as well. Then, we sent in XX/XX/XXXX payment but they returned the it and stated that we were not paying the right amount. We sent in XX/XX/XXXX payment and they also return to that to us and said we were n't paying the correct amount.

We have not paid the mortgage payment sinceXX/XX/XXXX because they keep returning the payment. Now Shellpoint is stating that they are not accepting the modification and they are looking to foreclose on our home. We have tried contacting the president of the company and we have tried getting him to accept our payment, but they will not accept our payments which has lead us to believe that they are trying to get us to foreclose on our home. 

We have told them that we would catch up on all payments if they would just remove the damage from my credit report. They have been reporting inaccurate negative information to our credit report and now even though we want to sell our home to a new mortgage company, no one will give us a new mortgage because of what Shellpoint has reported to credit bureaus. 

My husband and I completely are at a loss and feel like we are about to lose our home because Shellpoint company not willing to accept our payments or call us back after numerous attempts to talk to them. XXXX XXXX is the supervisor and she keeps putting us off and will not call us. We are completely stressed by the situation and have the money to pay our mortgage but they will not contact us back and we do n't know what to do. We have a new house that we want to buy in New York but the new mortgage company will not give us a mortgage because of the current situation. Although we explain to them that the company wo n't accept our payments they do not care. We have even contacted and attorney but they all want XXXX plus to help us. I will include all the contracts and documents and bank statements proving our payments and that Shellpoint is completely reckless and negligent in what they 're stating and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I finally paid one of the debts off to Midland Credit Management, since I am getting no response, can not contact them and they refuse to mail any legitimate, helpful information to resolve the accounts or send any correspondence that is valid. I paid the {$1200.00} XXXX original creditor is XXXX XXXX ). Now they are not reporting that it is paid in full to the credit agencies and still hurting my credit score. I will have to pay the other debt at my earliest convenience, since they refuse to cooperate or act like a legitimate business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding the incorrect information present on my credit report. On XX/XX/XXXX, I contacted Experian to dispute the inaccuracies, but to date, I have not received a response. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 


XXXX XXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$420.00} Disputed Information : The reported balance of {$420.00} is incorrect. I remember the amount to be lower. I request the deletion of the Past Due information as this account is closed and charged-off. I also ask Experian to mark this account as disputed to prevent any negative impact on my credit score. 
XXXX Account XXXX : Date Opened : XX/XX/XXXX Balance : {$3700.00} Disputed Information : The reported balance of {$3700.00} is inaccurate. I recall the amount to be lower. I urge Experian to revise the Past Due information as it is incorrect to present a Past Due amount for a closed and charged-off account. This account has likely caused a drop in my credit score. I need to reach an agreement with my creditor to address this incorrect data. I request Experian to mark this account as disputed to prevent further negative impact on my credit score. 
XXXX XXXX XXXX Account Details : Date Opened : XXXX. XXXX, XXXX XXXX : {$24000.00} Disputed Information : The reported information about the account balance of {$24000.00} is inaccurate. The original creditor for this account is XXXX XXXX XXXX not the company Experian indicates. The reported balance is higher than the amount I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency. 
XXXXXXXX XXXX XXXXXXXX Account Details : Date Opened : XXXX XXXX, XXXX Balance : {$520.00} Disputed Information : The reported balance of {$520.00} for the account is inflated and inaccurate. I am aware that the original creditor is XXXXXXXX XXXX but I have not been contacted by XXXX XXXX XXXX. I do not recognize this amount, and I believe I owe a lower sum. Due to these inaccuracies, I dispute the entire account and insist on the verification of the Date Opened and Date of First Delinquency.
Product: Credit reporting or other personal consumer reports

requesting application records, signature cards, address ( s ) on file, address change, phone number on file, email on file, full banking records and statements for the past 7 years, copies of any signatures, cosigners, authorization letters, closing statements, closing application or how the account was closed-charged off, and any files, coosigners, or Co-applicants related to the following accounts and any other accounts found linked to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 

Credit Card XXXX XXXX XXXX -Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

This is in response to a previous complaint filed with the CFPB ( case number XXXX ) against First Point Collections. This agency claims that they sent my original request for validation to an address they had on file which proved to be the wrong address because I never received any claimed validation from them. My correct address is the one listed on the certified mail that I sent as well as the address I listed in my initial debt validation request. By sending this alleged validation to the wrong address First Point has exposed my medical information being that who knows who was on the receiving end of that information. This is a violation of my HIPPA rights as no one should have my medical information other than the medical provider who treated me. This also violates my right to privacy. Also I never received any communication from First Point Collections informing me of this alleged debt which is a violation of 15 USC 1692g ( a ). So not only did they furnish an unvalidated debt but they also turned a private matter public by reporting it to consumer reporting agencies, so they are advertising this alleged debt to coerce payment which is in violation of 15 USC 1692d ( 4 ). Also I have attached the alleged validation letter they attached via the CFPB because they sent the initial request to the wrong address. In this letter First Point Collections is in violation of 15 USC 1692b ( 5 ) as well as 15 USC 1692b ( 2 ) for stating that they were a debt collector without knowing who they were communicating with. Since they sent this information to the wrong address whoever that received that mail could assume that Im in debt causing harm to my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

on  XXXX / XXXX / XXXX , I requested Experian,   XXXX   and  XXXX  to dispute a false and negative reporting to my credit from  XXXX . So far  XXXX   XXXX , on  XXXX / XXXX / XXXX  responded today saying dispute resolved, no proof provided that i signed a " termination fee '' contract with  XXXX , and the negative reporting is still on my credit. I have not even heard back from the other  XXXX .   I requested  XXXX  to terminate my home phone, TV and internet service on  XXXX  or  XXXX / XXXX / XXXX .  XXXX  did not terminate my services until  XXXX / XXXX / XXXX . ** They have now charged me {$47.00} that i do not understand what those charges are for. i believe some of that may be for the difference of 5 days billing between when i cancelled and when they actually terminated my services. ** In addition,  XXXX  has charged me a termination fee of {$170.00}. I never signed up with them for a contractual duration. The only reason i signed up with  XXXX  a short while prior was because there WAS NO CONTRACTUAL TERM, and the cost was somewhat reasonable, until the actual bills came in. All attempts to speak to  XXXX  by phone where wasted by reps telling me that because of all the discounts they gave me they had no choice but to switch me to a contracted account. I did not sign up under contracted terms nor would I.
Product: Checking or savings account

Trying to link my account with XXXX XXXX XXXXs and it says it won't allow it
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Wells Fargo and they said they didn't see any activity under my name. I check my credit report every week and I noticed there is a hard inquiry on my report and I did not apply for anything. I need to dispute and have this removed off my report and do not feel anyone is listening to me.