23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been taken to court ( 3 appearances since XXXX XXXX ) by Blitt and Gaines PC on behalf of a XXXX XXXX. I initially requested a hardship consideration as my house had just burned down and I was not prepared to have to answer to this. I have not heard anything from them in regards to this, and after the 2 appearance, I sent them an email requesting documentation of this debt and have not heard anything. At my last appearance they said they are still working on it. I emailed them again and still have no response. My credit report shows the last payment on this account was in XXXX XXXX, which I believe is past the statute of limitations and this should be dismissed. The name on their account is XXXX XXXX ( previously married name )
Product: Credit reporting or other personal consumer reports

I received my credit report from TRANSUNION. After reviewing it, I found that the information provided on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well. As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report. 
I attempted to contact TRANSUNION and received NO response to my request, only a stall letter with nothing done. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report. 
I am including PROOF that each creditor received the notification more than 30 days ago and DID NOT respond nor did they remove the item ( s ) listed on my credit report. 

Account Name : XXXX XXXX XXXX Type : Installment - Account : XXXX. I attempted to verify this debt and received NO RESPONSE from the above company ( see attached proof of this verification. ) According to XXXX XXXX, this creditor had 30 days from the date of my request to validate the debt and they failed to provide any information concerning this debt. This debt is NOT mine and needs to be removed immediately from my credit report. 

REMOVE THESE UNAUTHORIZED INQUIRES : XXXX XXXX - XX/XX/2023 ; XXXX XXXX XXXX - 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 - XX/XX/2023 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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX - XX/XX/2023 ; XXXX XXXX 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 XX/XX/2023 have 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 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.

PLEASE REMOVE THIS ACCOUNT AND UNAUTHORIZED INQUIRES EFFECTIVE IMMEDIATELY
Product: Checking or savings account

I have a open chime bank account for years and back XX/XX/2021 as soon as the irs deposited my stimulus payment chime closed my account and I sent many email without resolve
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit in XX/XX/2020 due a locked Equifax credit report. I attempted to resolve the issue online but Equifax wouldn't recognize my primary or secondary email accounts. They are impossible to reach via telephone. 

These attempts at contact were followed by an XX/XX/XXXX, 2020letter explaining my quandry and asking Equifax to unlock my credit report. This letter went unanswered. 

Thank you.
Product: Vehicle loan or lease

Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX / XXXX / {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Mr. Cooper called my partner and I about us qualifying for a lower mortgage payment and asked if he had our consent to run our credit for it. My partner told him that he did not and we would discuss it first. I noticed later that day that he did in fact pull our credit and it was a hard inquiry. We called him back and he stated he mistakenly pulled it. The hard inquiry was done without our consent and would like to have it removed.
Product: Debt collection

I have three accounts from Pheonix Financial services for {$770.00}, {$190.00} and {$150.00} ; all originally credited from XXXX XXXX 's XXXX. 


The account, along with the other two associated accounts, should've been closed a year ago on account of insurance paying the account in full. The fact that these collections are still on my record, after discussing with an agent that the accounts were closed, shows the fraudulent behavior of these accounts and the company administering them that is unless this is a mistake that has yet to be resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX doesnt belong to me and I want it off my credit report asap the ssn and date birth didnt date of birth
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TRANSUNION was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I've received a copy of my consumer report and came across a company named Resurgent Receivables. They reported the account type as debt buyer basically incriminating themselves and proving violations of the Fcra. I had never had any sort of business with them some this has to be some sort of extortion for a monetary gain while causing damages to my reputation as a consumer in the process, They shall delete account immediately because I'm pretty sure that they will not provide the purchase agreement which is required under as proof of ownership of alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was disputed in XX/XX/XXXX asking for validation, none was supplied. On my credit report it states that the balance was XXXX from XX/XX/2018. On disputing again, on my credit report it states that the balance is XXXX, XXXX for the same time period. They are just reporting inaccurate information with no validation.
Product: Checking or savings account

This bank paid my creditor from a closed account. The check to the creditor was refused at the creditor 's bank, and a {$12.00} fee was charged. This all began on XX/XX/20 when I made an appointment with a banker ( XXXX XXXX ) for the next day. That banker called that day and asked what I wanted. I told her my husband had passed away. I needed to close 2 accounts, transfer all the money from the 2 accounts to the remaining open 2 accounts and deposit a check to another account, make sure that all automatic payments from the accounts I needed to close were cancelled. I arrived at the bank. I was told that XXXX XXXX had called in sick and was ushered to the window of an unsavvy person was to help me. Her manager stood to my right. The person first told me she didn't want to see the death certificate and that since all of our accounts are named in our trust, I needed some sort of a notarized document in order to do anything. At that, I knew this person or her manager knew nothing, so I just had the check deposited and I left. I, on line, transferred the balances from the two accounts I need to close to the two accounts that were to remain open, so that there was no money in those accounts. So, on XX/XX/20 the bank paid the creditor from the account with no money in it. Then the bank debited the correct account as if to pay the creditor and then credited the account on XX/XX/20. The creditor was never paid. I have never been able to get a resolution for this. All I want is for the bank to credit my account with the {$12.00} that I subsequently paid the creditor since the bank never did pay him and he should not have to suffer that loss for something he did not do. The bank is very, very poor at giving pertinent replies to inquiries, often they do not reply at all. They make it totally impossible to speak to a person who has sent a reply ( without a solution ) with phone numbers to call. I realize this is only {$12.00}, but I should not have to absorb this when I didn't do anything wrong. I am a XXXX XXXX plus Wells Fargo customer.
Product: Money transfer, virtual currency, or money service

I was unable to access my old CashApp account because my phone number was no longer active. I contacted support, and they advised me to create a new account and verify my identity so they could transfer my funds. After submitting my passport for verification and my identify being verified, I received a message stating : " Your request to access this account was not approved. For security reasons, we can not reverse this decision and are unable to provide additional details. '' They are now refusing to let me provide further information or recover my funds. This feels unjust and potentially illegal, as they can not simply withhold my money without resolution.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at Account name XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported XXXX opened XX/XX/XXXX Account name XXXX Account number XXXX .... 
Recent balance {$3700.00} Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX .... 
Recent balance {$1000.00} Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX .... 
Recent balance {$4200.00} Date opened XX/XX/XXXX Account name XXXX XXXX Account number XXXX .... 
Recent balance {$7000.00} Date opened XX/XX/XXXX Account name XXXX Account number XXXX .... 
Date opened XX/XX/XXXX Account name XXXX XXXX XXXX Account XXXX XXXX .... 
Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX, XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Credit bureau companies XXXX Experian XXXX refused to make nessarry changes found on my credit report which continue be denied for different company due to credit scores also incorrect information bein reported on my credit file.. I have submitted documents in mail dispute still notice no change .credit scores to average incorrectly. By increasing credit scores .would help me establish line credit. I'm seekin housein. Companies 's ( call get it now furniture stores ) I haven't never been late have documented bank statements verification. Credit bureau report 2022. Late payments. XXXX the account made changes from how it was first been reported? Company 's Called XXXX XXXX XXXX XXXX XXXX  This Account paid off in full. is continuing getting away with. reporting incorrect. documentation bills l provide as proof. Payment. Doesn't show late payments anywhere on documents
Product: Debt collection

I submitted a complaint against Venmo LLC ( Complaint No : XXXX ) about a scam that I was victimized of. However, Venmo failed to provide basic protection and due diligence to their users and continued to complete the payment to the scammer even when the appropriate notification was provided to them. I provided XXXX notification on the evening of Saturday XX/XX/22, a time when no bank will process any XXXX transction, If XXXX performed basic due diligence in this matter and freeze the other party 's bank account, there will be no financial loss to anybody, hence Venmo should be responsible for any financial loss they incurred by their negligence. 

Hence, I request Venmo to : 1 : Show proof that action have been take against the other party ( the scammer ) 2 : If the proof indicates no financial loss was incurred, Venmo should remove any negative balance they have on my account 3 : If Venmo failed to show proof that appropriate action was taken against the scammer, then the debt should be canceled as the debt was caused by the negligence of Venmo 4 : On response to complaint No : XXXX, Venmo refused to delete my personal data by stating " During the retention time period, no data may be disposed of for regulatory and legal reasons. '' I officially request Venmo to disclose the name of the law and regulation that refers to and specify the length of the " retention period ''. 

5 : I request venmo to provide written statement to guerantee my personal data will not be disclosed, send or shared with any individual or entity withtout my permission for any reason.

6 : I request Venmo to unfreeze and delete my account at the first convenience, as I am no longer an active user of venmo and do not intend to use Venmo 's service anymore. 

thanks,
Product: Mortgage

On or about XXXX XXXX, XXXX, NewRez transferred the servicing my account from XXXX to its own Shellpoint. On XXXX XXXX, XXXX, Shellpoint charged my account {$0.00} and titled it " Default Related Cost Assess ''. I have never authorized this fee or defaulted. On XXXX XXXX, XXXX, Shellpoint charged my account {$360.00} and titled it " XXXX XXXX  XXXX XXXX ''. I did not authorize this fee. NewRez via XXXX has had my account for approximately three years and at no time was I asked for proof of insurance. I was told by Shellpoint that they sent me two letters asking me for proof of insurance, which I did not receive. I asked if their letters were sent certified mail and I was told " no ''. I told XXXX XXXX, Shellpoint 's customer representative, that I have insurance and that they never asked me for proof. I told her that I do not know if it is a requirement that I have it or provide it. She said that the fee will be collected from my monthly payments. If my monthly payment is used to pay Shellpoint back, my payment will not be complete and it will change my entire Amortization Schedule. My loan is modified and if I miss a payment, the entire modification can be voided. She also said that they will not remove the fee and will continue to charge my account. I asked for the date the policy was issued and she said XX/XX/XXXX and said is with XXXX and that the policy number is XXXX. Shellpoint was just sued through its owner, XXXX XXXX XXXX. in a class action lawsuit [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Shellpoint Mortgage Servicing, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX for forcing hazard insurance and taking kickbacks. The case closed in XXXX but the court still has jurisdiction over it. I plan on writing the court. Shellpoint told me that my contract required it but did not show me proof. Since Shellpoint is New Rez, why are they claiming not to have the information? New Rez didn't ask me for it when they serviced my loan. I believe Shellpoint is getting kickbacks from XXXX XXXX. It never told sent me a letter asking me for proof of my hazard insurance. And now it claims that because I did not respond to the letters, that they forced the insurance onto me. My insurance remains with XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX  sent to myself and my husband a letter along with documents stating that Carrington Mortgage Services has put my property into foreclosure. I also received a possible property fraud alert text on XX/XX/XXXX in regards to a new document being recorded in my County Recorders Office. I went to the courthouse and printed out a copy of the document recorded, XXXX, On this document that either XXXX XXXX XXXX  or Carrington or Wilmington drew up to be recorded is INACCURATE, it states that myself and my husband, XXXX, are the original borrowers, and they reference a deed of trust that was signed with XXXX  XXXX XXXX XXXX, on XX/XX/XXXX, document number XXXX, this document was signed by both of us, as GRANTORS not borrowers, I am the only borrower, he only signed acknowledging the document because we are married and he is on the warranty deed, the Promissory Note that goes with this deed of trust was ONLY SIGNED BY ME, XXXX XXXX, therefore for them to include my husband XXXX as a borrower is FRAUDULENT. They also advertised a foreclosure sale in the newspaper and we learned of this through a neighbor, neither Carrington nor XXXX XXXX sent any notification of an auction being already scheduled. This can effect my husband and myself, being that I am self employed with my business on my property.
Product: Mortgage

Due to illness I file chapter XXXX in XX/XX/XXXX trying to safe my home I was 2-3 months behind. I stop the bankruptcy but continue paying my full amount of the House note. I have never missed a payment since. They have been charging late fees and reporting serious late payment to the credit bureau up to now. I should have been completely paid my house off. But due to all these unexpected fees and there lawyer fees Im still paying. Bought the house in XX/XX/XXXX. My loan have been sold 5 time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX 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 XXXXXXXX XXXX XXXX XXXXXXXX, 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 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, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for a VA mortgage loan with Ameris Bank, Loan specialists XXXX XXXX at the XXXX GA office, as required by both the State & Feds, my credit scores should be sent, scores only, this criminal refused to release them! Also I asked for the name of the their Tri-merge Reporting Agency, this XXXX knowingly refused to give me this Reporting Agencys name, in-be knowing to XXXX, Ive got XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX  and other Engines, ALL Alerted me via email & XXXX text, XXXX XXXX isnt going to work. Need the name of Tri-merge company that ran my credit.