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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you included the information below in my credit profile, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish and notifying me of published information as outlined in the FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX DATE OPEN IN REPORTING INCORRECTLY ; BALANCE IN INFLATED ; PAYMENT HISTORY IS REPORTING INACCURATE. XXXX OPEN DATE IS INCORRECTED ; XXXX IS INFLATED ; PAYMENT HISTOR MISSING AND REPORTING INACCURATE. XXXX DATE OPEN IS INCORRECT, BALANCE OWED IS INCORRECT, PAYMENT HISTORY IS MISSING AND INACCURATE. XXXX NOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT ASSOCIATED WITH XXXX XXXX WHY ARE THEY REPORTING TWICE? WITH THE SAME ACCOUNT NUMBER AND BALANCE *** SEE ATTACHMENT. XXXXNOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT ASSOCIATED WITH XXXX XXXX XXXX ; DATE OPEN IS INCORRECT, BALANCE OWED IS INCORRECT, PAYMENT HISTORY IS MISSING AND INACCURATE
Product: Debt collection

On XX/XX/XXXX I received a bank levy on my XXXX account for an old and outdated debt. The original creditor was XXXX XXXX. This account has been charged off for over 8 years. The status of limitations is 7 years in The State of Colorado. The debt was then sold to a company called XXXX XXXX XXXX XXXX. I notified them that the debt exceeds the Federal time limit to collect. They stated fine, we will just sell it to a collections Attorney. 

The sold it to a collector by the name of Machol & Johannes. They claim they personally served me with paperwork concerning this old and out dated debt. That is 100 % false as I was never served with this paperwork. If they are Attorneys, they should know this debt is uncollectable and they owe me my money back. 

If you look at the Colorado BBB and Rip Off report, this is a constantly reported complaint action of this law firm. They collect illegally by stating they tried to reach a consumer or lie that they actually delivered this to the consumer. I want my money back and for them to cease & desist, along with cancelling any pending court date attempting collection for an old debt. Please look into class action against this firm.
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I was going to cash a check but was told to come back at XXXX so that the manager could call up the company to verify check. The check was from a legitament life insurance company. So I came back at XXXX. The manager took check could not get through to company but cashed it anyway. I had to checks one for {$100.00} and was charged {$5.00}. The other check was for {$70.00} and I was charged {$3.00}. Due to the fact that I was in a hardship and needed every penny I called up the corporate office in XXXX, Ill and spoke to a customer service representative and was informed that the fee is {$3.00} for {$300.00} or less. I then called the corporate office to file a complaint and spoke to a customer care representative and she informed me that it will take 3 business days for a manager or  leader to get back with me.
Product: Money transfer, virtual currency, or money service

I was to close on a property on XX/XX/XXXX. I received an email I thought was from the closing attorney with updated wiring instructions. The email was fraudulent. Truist bank, who received the wire, has verbally told my bank, XXXX XXXX, that the money was still in the account when it was frozen but also that the beneficiary name on the account the money is in didn't match the name on the wire transfer. XXXX XXXX has stated that this wire should not have been approved by Truist. Truist is wasting time covering up their mistakes instead of just returning the money. It's about {$130000.00}.
Product: Debt collection

On XX/XX/2023 I spoke with a representative called " XXXX '' who stated that Central Portfolio Control sent a letter to my old address at XXXX XXXX XXXX. in XXXX this was after I called them due to not receiving the first notice they claimed to have sent to my old address, and I requested a letter sent to my current address TWICE. They have sent me nothing via USPS and I have no clue what this alleged debt is in connection to, I will be disputing with the attorney general, as well as following up with CPC to find out just how they are attempting to collect on an alleged debt when I have no clue who they are, nor is there any proof of me doing business with them. They have posted this derogatory remark to my consumer report illegally and without merit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Consumer Financial Protection Bureau, XX/XX/XXXX This is the 3 rd complaint against Experian and every response from Experian has been documented on my side, the initial complaint was based on my credit score dropping 20 pts, me being removed from Experians special status customer service for consumers who have attorneys write to Experian and why an authorized account was not being recognized by Experian. 
As I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws. 
Experian requested that I consultant with a credit expert and or banker to have them explain my credit drop of 20pts, in which I consulted with my peers in XXXX, they were as confused to see that my credit score had dropped 20pts for no apparent reasons, the responses from Experian have been shall we say, deceptive to the point of ignoring the request for an explanation of the credit score drop. 
I would like to have Experian explain why I am on a special status list for consumers? It requires time and different agents to speak too about my credit profile with Experian. Again, I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws, and I will use the full extent of my legal rights to protect and get my credit profile fixed according to The Fair Credit Reporting act. 
On complaint XXXX Experian has stated erroneous and false statements and it seems who has responded is not versed in credit laws or credit rights, My attorney provided Experian with recent XX/XX/XXXX information pertaining to this authorized user account, while Experian is using old outdated account information from XX/XX/XXXX, which again they are ignoring information from the data furnisher XXXX from XX/XX/XXXX, they have requested this information on complaint XXXX and they will review it. 
My attorney provided this information on the 1 st legal letter that was sent to Experian, I have provided this information on complaint XXXX and XXXX from the data furnisher XXXX that they report to the 3 major credit bureaus, perhaps Experian would like to explain their actions under a legal court hearing? 
As I have stated before I am I a XXXX XXXX XXXX XXXX, I know my credit rights and I am versed in credit laws. Attached again for the 4 th time is the data furnisher XXXX that they report to the 3 major credit bureaus, all responses on my credit profile are again being documented and will be researched according to The Fair Credit Reporting act. 
Thank you XXXX XXXX XXXX Correspondence Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX, Az XXXX
Product: Debt collection

Communication Tactics may also apply. 
Made an attempt to pay off an eviction claim from XXXX by calling Hunter Warfield. Since I am trying to pay off a huge student debt and all of the costs associated with being evicted due to health problems that started in XXXX, I offered {$50.00} a month. The representative said that this was good and that after the first year they would re-evaluate my case and see if I could pay more or possible give an offer to charge off. The phone call was interrupted and mysteriously dropped. When I was able to speak to them again I was told the {$50.00} would not work and it would take ten years to pay off and that I could send payments in to an address at XXXX florida XXXX To Account # XXXX. But that was it. No cards, no bank routing number, no agreement of any kind. This not only seemed like a " bait and switch '' tactic but it also left me with a sense that the representative was trying to squeeze more money out of a budget that does not even allow me to keep a roof over my head in my own name. I am extremely concerned that there would be no paper trail as I currently do n't have checks.
Product: Credit reporting or other personal consumer reports

Several over draft fees and paid accounts were illegal taken from my account at Navy Federal.
Product: Credit card or prepaid card

I submitted to Comenity Bank certified mail number XXXX. On XX/XX/XXXX, I made an uninformed decision when I entered a consumer credit transaction with your financial institution. I made an uninformed decision when I entered into an agreement without knowing the meaningful disclosure of the credit terms. According to Blacks Law Dictionary ( 8th ed. 2004 ), an agreement is a mutual understanding between two or more persons about their relative rights and duties regarding past or future performances ; a manifestation of mutual assent by two or more persons. As a result, I had no say or decision in the terms of the agreement. I was giving a generic computerized agreement that is given to all consumers, who enters a credit transaction, without clear and conspicuously terms of the agreement. The only evidence of debt is by agreement but because of an uninformed decision this debt become null and void. The consumer did not receive a printed adequate notice. The adequate notice was to give me the pertinent facts clearly and conspicuously, so that I had noticed it and understood its meaning. Your financial institution had the choice of printing the notice or had given to me on each periodic statement, or by other means to assure I was in receipt thereof the notice. 
Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 

As a result of fraud and deception of this onsided agreement, your institution will update my account as paid in full and remove any derogatory remarks.
Product: Mortgage

In the month of XXXX I got paid 3 times. I called and requested the XXXX payment in XXXX stopped so that I was not making XXXX payments that month. When I resumed my {$900.00} payments in XXXX instead of taking out {$900.00} each paycheck kthey took out {$1000.00} for that 2 week period. When I called them they advised me it was set up incorrect and that they wuld correct it. This is exactly what happened last year when I did this. Why ca n't this company get this right?
Product: Credit reporting or other personal consumer reports

NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT, NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Delete this item its outdated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New updated address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to inform you that your company is furnishing inaccurate and incorrect information to the consumer reporting agencies. This inaccurate reporting has caused severe damages to my character, reputation, general mode of living, and ability to obtain credit for personal and household purposes. Your inaccurate reporting has also damaged my livelihood. 

According to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, you are prohibited by law from furnishing inaccurate information. I demand that you cease and desist the reporting of incorrect/inaccurate information immediately.

Even if you have not received a Form 1099-C, you must report debt as gross income on your tax return as defined by the IRS. The reporting of this account as a debt is inaccurate according to IRS definitions of canceled or charged off debt as income.

You are hereby put on notice that you are furnishing incorrect/inaccurate information and have 5 days to cure and correct this erroneous mistake from my consumer reports. 

In conclusion, I have shown that you are reporting inaccurate information and have not corrected it despite being notified. Your continued reporting of this information is a clear violation of the law and your responsibilities as a furnisher of information. Please take immediate action to rectify this situation. 

Sincerely,
Product: Mortgage

( XX/XX/XXXX ) XXXX XXXX XXXX cease. The next thing I receive is XXXX/New Penn Financial, LLC d.b.a. Shellpoint Mortgage Servicing, knowingly filed a foreclosure lawsuit on a loan that does not exist. This loan was modified in XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX ( XXXX ). The modification terms were not honored by XXXX and a Lawsuit was filed in XX/XX/XXXX to force the Bank to honor their commitment. In XX/XX/XXXX an agreement was reached in Court and a hearing was held on XX/XX/XXXX, and at this point the loan was modified again. XXXX XXXX was the only debtor listed on the documents. More on this in another complaint against XXXX. ON XX/XX/XXXX I received a letter stating the noteholder, XXXX XXXX XXXX  XXXX XXXX is unable to find the original promissory note. Due to the missing credit for payments, I repeatedly asked for an investigation/audit to cure the inaccuracies. Shellpoint Attorneys sent a letterXX/XX/XXXX stating until an investigation is complete, all collection activities will cease. The next thing I receive is the foreclosure lawsuit, without any investigation results. ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX/New Penn Financial, LLC d.b.a. Shellpoint Mortgage Servicing, knowingly filed a foreclosure lawsuit on a loan that does not exist. This loan was modified in XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX ( XXXX ). The modification terms were not honored by XXXX and a Lawsuit was filed in XX/XX/XXXX to force the Bank to honor their commitment. In XX/XX/XXXX an agreement was reached in Court and a hearing was held onXX/XX/XXXX, and at this point the loan was modified again. XXXX XXXX was the only debtor listed on the documents. More on this in another complaint against XXXX. ON XX/XX/XXXX I received a letter stating the noteholder, XXXX XXXX XXXX XXXX XXXX is unable to find the original promissory note. Due to the missing credit for payments, I repeatedly asked for an investigation/audit to cure the inaccuracies. Shellpoint Attorneys sent a letter XX/XX/XXXX stating until an investigation is complete, all collection activities will e foreclosure lawsuit, without any investigation results.
Product: Credit card

I am filing a formal complaint against Chase Bank concerning the denial of my application for a Chase Edge credit card on XX/XX/year>. I believe that this denial involved violations of federal consumer protection laws, specifically under 15 U.S.C. 1691 ( Equal Credit Opportunity Act ) and 12 CFR 1002 ( Regulation B ). 

Chase Bank provided the following reasons for the denial : History of poor credit performance Too few accounts with recent payment information Revolving accounts not paid as agreed Current or past bankruptcy, charge-offs, public records, judgments, tax liens, or collections I contend that these reasons are unlawful grounds for denying credit under 15 U.S.C. 1691 and 12 CFR 1002, which prohibit adverse action based on credit score, credit history, or income without a legitimate, legally justified basis. 

Detailed Explanation : 1. Unlawful Denial Based on Credit Score, Credit History, or Income : Under 15 U.S.C. 1691 and 12 CFR 1002, it is illegal to deny credit based on credit score, credit history, or income unless there is a legally justified basis directly tied to creditworthiness. The reasons provided for my denial suggest these prohibited factors were used, which would constitute a violation of the Equal Credit Opportunity Act. 
2. Adverse Actions in Consumer Credit Transactions : Any adverse action in a consumer credit transaction, as communicated by Chase Bank, should comply with all applicable laws. Denial based solely on credit score, credit history, or income without a clear, legitimate, and lawful justification is not permissible under federal regulations.
Product: Credit reporting or other personal consumer reports

I am filing this report since I suspect identity theft. I lived shortly in the XXXX in XXXX then moved to XXXX XXXX. I came back to the XXXX in XX/XX/XXXX and was horrified to find so many accounts on my credit which I had never applied to. The items in question are : XXXX XXXX XXXX XXXX {$5800.00} XXXXXXXX XXXX XXXXXXXX {$32000.00} XXXX XXXX  XXXX {$6900.00}
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit cards ; account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under account number # XXXX and with {$2100.00} as closed balance, at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under account number # XXXX and with {$5400.00} as closed balance. a collection account with XXXX XXXX XXXX which recently appeared on my fico credit report with a said open date of XX/XX/XXXX under account number XXXX with a ridiculous balance of {$33000.00}. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items and inconsistency across all credit bureaus. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a police report with report # XXXX and an FTC Identity Theft Criminal Complaint # XXXX and FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Primary and secondary insurance paid in full. A year after the fact I get a notice for a collection agency stating I owed the provider {$270.00}. On seven occasions from XXXX XXXX XXXX ( see attached letter ) I contacted my primary insurance, and they said I owed nothing. On four occasions from XXXX XXXX XXXX I contacted the provider to no avail. I contacted Experian who provided no help or resolution. I also contacted the collection agency to no avail. 

Experian place a delinquent note on my credit report for the {$270.00} which is unfounded and has affected my credit score. I was informed it would stay on my record until some date in the future. 

I have attached the same documents for your review that I have provided all parties multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many inquiries appear on my report without my permission :  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

I sent letters to the credit bureaus to get the following inquiries removed: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TRANSUNION: 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and experian keep getting hard inquiries when I am not applying for credit. I am not a XXXX and I think it is XXXX parties putting false info. 

1. XXXX XXXX 2. XXXX XXXX 3. For ewuifax I been trying for XXXX false hard inquiries and they are not doing frca laws to do right way to show I did or didn't do. 

Also XXXX XXXX XXXX XXXX has somebody with same name. They need to take off all XXXX reports.
Product: Debt collection

already try to fix this issue whit colector and bureaus but they don't do nothing i sent them XXXX  times letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX ( XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX Phone : XXXX XXXX ) XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I made a withdrawl from my checking account ( XXXX XXXX XXXX XXXX XXXX to Cash App of {$300.00}. Only to receive a prompt saying " oops something went wrong ''. I checked my card number, banking information all are correct. I tried emailing Cash Support only to get no response. On XX/XX/2021I received an email message stating that it was my bank that rejected the transaction. Then I was told to call my bank to remove any blocks on all accounts. I did that. XXXX assured me that there no holds or freezes on any of my bank accounts. In fact they approved the transaction for Cash App. I have a receipt for the bank transaction. 

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

I have requested on at least a dozen occasions via XXXX mail that my name, address, and work information is updated and corrected. I also requested more than a dozen times to have all the other unknown addresses, names, employers removed. A copy of my valid drivers license, a utility bill, and a check stub was sent in to all XXXX credit reporting agencies. My employer information was updated, as well as my address, however the unknown names as well as the incorrect information was never removed. I have multiple credit monitoring services so when changes happen, I am alerted. There are multiple incorrect spellings of my name, and unknown addresses as well as employers on my credit profiles. I have sent in verifiable information and a letter of request to have all other information removed, it has not been..
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the continued reporting of XXXX XXXX XXXX accounts ( XXXX XXXX XXXX and XXXX ) on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) and the terms of a pay-to-delete agreement. The first account in question XXXX was opened in 2015 and, per FCRA regulations, should no longer appear on my credit report as it is beyond the seven-year reporting period for derogatory information. Additionally, a payment was made after the account was charged off, which further confirms its ineligibility for reporting. I have attached a letter to this complaint, dated and time-stamped, which was sent to XXXX XXXX XXXX XXXX terms of a pay-to-delete agreement. Despite their acknowledgment, XXXX has failed to remove this account from my credit report, continuing to report it inaccurately and in violation of the FCRA.