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

XXXXXXXX XXXX amount {$4600.00} XXXX XXXX XXXX XXXX XXXX {$730.00} XXXX amount {$850.00} XXXXXXXX XXXX  {$710.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$890.00} Based on, 15 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 from an alleged identity theft, not later than 4 business day after the date of receipt.

Under 15 U.S. Code 1681e ( b ) And 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my right.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy pursuant to 15 USC 1681 section 604 A section 2 : Its also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above.You are required to do what i am asking and block these transactions from being reported to my consumer report Within 4 DAYS from the date of the receipt of above notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : Credit Bureau Service {$2800.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports.

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney.

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX
Product: Checking or savings account

My husband XXXX XXXX was a victim of fraud on his Webster Bank credit card ending in XXXX. On XX/XX/year> at approximately XXXX XXXX, He received a text message asking about a {$630.00} charge at a XXXX XXXX XXXX XXXX  at the XXXX XXXX XXXX XXXX in XXXX, XXXX. He did not make this charge so he said this was fraudulent and called the Webster Bank phone number that they provided. He opened a case with Webster Bank under case # XXXX. Webster Bank cancelled my credit card and sent me a new one in the mail. He later found out by Webster Bank that he had two fraudulent charges on XX/XX/year>. One at XXXX XXXX  for an amount of {$350.00} and another one at XXXX XXXX  for an amount of {$630.00}. Webster Bank initially refunded us the money for the two fraudulent charges. Today, we found out that the Webster Bank took the money back out of my account for an amount of {$980.00}. We called Webster Bank again and they informed me the XXXX XXXX XXXX denied our claim because whoever picked up the items in the store provided an ID for pickup. We tried calling XXXX XXXX XXXX, but I was unable to speak with anyone. We were told I we would receive a phone call at a later time. The order number for XXXX XXXX XXXX for the {$630.00} charge was # XXXX. The order number for the {$350.00} charge was # XXXX. | dont know who may have used my credit card information to make these charges. XXXX told the police they in fact were NOT checking photo IDs until late XXXX and they confirmed there had been fraud at their store. The bank is still refusing to refund our money. I dont feel like they did any research and denied our claim based on one manager at XXXX mistakenly saying that ID checks were conducted on that day. The bank is refusing to do any follow up. They are not doing their due diligence by calling XXXX and asking them to confirm the start date of ID checks. We did not make these charges and they are refusing to reopen the investigation even though we submitted a police report
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On XX/XX/XXXX & XXXX dates I had been scammed by someone that called using Bank of America phone number saying someone was using my card. They needed me to verify by clicking a text. At that point, I had thought it was Bank of America. Then they called again saying they mailed the card to wrong address, I did not give them my address although they needed to have me verify it was me. I went into my account and saw that money was being transferred out of my account. I called my local bank branch and they referred me to the Fraud Dept. 
I called the Fraud dept. and explained my problem and told them to freeze my account to stop the withdrawal. They were able to take one of the withdrawal amounts. I have been dealing with this for XXXX months while they investigating. They claimed I authorized someone in New York to use my card to take this money out. I had tried everything to stop the withdrawal but, they still are accusing me of this fraud and have taken the money out of my account after crediting it while the investigation was in review. This money is needed for paying my taxes at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue but I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Debt collection

On XXXX XXXX 2017, I received an alert from my credit bureau that a collection account had been added to my credit report. The collection account was from Stellar Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. The collection amount was {$1300.00}. The original creditor was XXXX XXXX. I have no idea where this account came from. I have not lived in an area even serviced by XXXX XXXX for almost 10 years. I request that Stellar Recovery immediately remove this incorrect account from my credit report. If they have any written proof of the debt, I request that they provide this to me asap. I have not had an account for at least 10 or 11 years. I request that someone look into the collection practices of XXXX XXXX, as I have heard nothing but horror stories.
Product: Mortgage

Shellpoint Mortgage Servicer d/b/a NewRez has been misappropriating my monthly mortgage payments beginning in approximately XX/XX/2020. According to my loan amortization schedule my monthly mortgage payment is {$860.00}, of that payment {$200.00} is supposed to go Into the escrow account. My mortgage servicer has been holding onto payments in a not applied status then charging me a late fee. They have been applying principal only payments without authorization which has caused my mortgage account to be disproportionately skewed. They have also reported late payments to credit agencies. I began noticing an issue around XX/XX/2020 when I began calling asking questions without any resolution. In XX/XX/2020 I called shellpoint and submitted in writing to the portal and via certified mail a 7 page letter with multiple documents that identified shellpoints errors.
Product: Money transfer, virtual currency, or money service

Checked email and saw multiple charges on PayPal to someone going by XXXX XXXX ( XXXX ) for a total of XXXX GBP. I have since changed security on my PayPal.
Product: Credit reporting or other personal consumer reports

Sent a letter about a month ago to TransUnion, XXXX, and XXXX and in which it was supposed to be 4 business days uhm per 15 1681c-2 the items that were sent to the companys were supposed to be blocked also the items were sent was supposed to be removed
Product: Mortgage

I was laid off due to Covid-19 and was not able to make mortgage payments during my time of unemployment so i entered a forbearance plan with my mortgage servicer, Shellpoint Mortgage Service ( NewRez LLC NMLS ID # XXXX XXXX. 

After re-gaining employment through a contract job, I informed Shellpoint that I will be able to start making payments but would not be able to pay the full amount all at once.

I was told by the Shellpoint agent assigned to my case that they would offer a 3 month loan deferral to the end of the loan and a payment plan for the remaining 6 months of the total forbearance.

I accepted this offer but when trying to make a payment, their online portal would not allow me to as it said it was locked. A few weeks after having this conversation and waiting for documentation from Shellpoint, they starting adding late fees to my scheduled Mortgage payments while I was still locked out of making a payment.

Now the Shellpoint agent assigned to me has not returned any of my calls for over a month and will not call back after scheduling appointments either. When speaking to other Shellpoint representatives, they refuse to acknowledge the payment plan + loan deferral I agreed to with the original Shellpoint agent and they all request that the full outstanding loan to be paid at once.
Product: Checking or savings account

My account through Money network was fraudulently used by a perpetrator in the state of Florida & California. The fraudulent charges total to {$6000.00}. I have direct deposit through my employer and reported this activity on XX/XX/2018 via phone to Customer Service. So far I have heard nothing back from the company and was advised that I would have to wait 45 days to receive a resolution. Meanwhile, I am a single mother, I have no money to support myself, pay my bills or feed my 3 children. Please see attached documents uploaded listed with all fraudulent & unauthorized activity.
Product: Checking or savings account

On XX/XX/23 I filed dispute # XXXX for XXXX car part on XX/XX/23 for {$40.00}. 
The seller listing falsely promised working part which malfunctioned in my vehicle. 
Bank of America refused to acknowledge receipt of my fax received at XXXX proving bias relationship with XXXX. I deserve a permanent credit which hinges on fax this bank now denies receiving. I will have to pay {$200.00} just to remove defective part seller has demonstrated intent not to refund because seller falsely stated is perfect.
Product: Payday loan, title loan, personal loan, or advance loan

Was just trying to pay it off but kept getting charged differently every time i went to pay.
Product: Credit reporting or other personal consumer reports

Transunion continuously reports an account on my credit report that is being reported inaccurately. Transunion is reporting the " LAST DAY ACTIVE '' as XX/XX/year> but XXXX is reporting it as XX/XX/XXXX. Now, if they are getting their information from the same source how is the information being reported differently? they cant both be right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had made a pay for delete payment with the credit card company and they have not held up their end of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a BK that Transunion is reporting on my credit file. When someone stole my identity they got home loans, credit cards, etc. I have never filed for BK. I attached the police report and Transunion refuses to remove this from my credit report. They are refusing to use the police report that I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, 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: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your persistent disobedience. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, New York XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$59.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1300.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report on a account that should of been deleted from my credit report months ago. The account is XXXX XXXX XXXX which was settled and I was issued a XXXX. The account should be deleted as Experian is the only credit bureau that is only reporting this account.
Product: Debt or credit management

I requested today by phone a payment history report for the life of my loan they stated ( bankruptcy department ) from shellpoint that due to my bankruptcy they are unable to give me any of this information?? I asked them to send it to my attorney they said they were not allowed this information as well NO ONE is allowed this information they told me. They told me my lawyer can call their lawyer and they will tell them the same thing no access to this information is allowed! I contacted my attorney in an email of this situation as well how can they deny me this information as well as my attorney? I feel this is required of them and if it is required why did they deny it and I feel if it it is required than they should be held accountable for their actions I have had nothing but aggravation faculae information and more from this company I am mad frustrated and stressed on how they conduct business I would like for you to address this being I am unable to speak to anyone at shellpoint in regards to this matter thank you
Product: Credit card

On XXXX, Capital One assessed {$18.00} in junk fees and alleged interest to my XXXX credit card even though it was completely paid off and had a zero balance. Last week, I called Capital One about same. A Capital One female employee reviewed my account. She said the {$18.00} charges were for cash advance fees and interest related to unauthorized transactions that Capital One removed after investigation. She promised the {$18.00} charge would be removed within a week. This phone call was recorded. Yesterday, I called Capital One again to ask why the {$18.00} fee has not been removed yet. A male Capital One employee reviewed the account again. He even consulted with a supervisor. Now, Capital One says the {$18.00} charge is for junk fees and interest for completely different, authorized transactions I made and paid off months ago. He conceded I fully paid off my account two billing cycles earlier. Apparently, it is Capital One 's policy and regular practice to wait to assess these junk fees to customer accounts for up to two 2 business cycles after the undetlying transactions are posted. I replied that last week, a different Capital One representative also reviewed my account and she contradicted this. I told him the prior representative confirmed the {$18.00} charges were erroneous and would be removed in one week. She even advised me to call back next week if the charges were not removed. I urged the representative to listen to last week 's recorded conversation to corroborate this but he refused. These months long after the fact {$18.00} alleged fees and interest are the type of " junk fees '' that XXXX XXXX promised credit card companies would not be allowed to do anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

With regard to my Chase Freedom credit card account number XXXX, I requested a COVID-related accommodation for a late payment but was denied. 

Chase Freedom is reporting to the credit reporting agencies ( CRAs ) a 30-day late payment for a missed payment between XX/XX/XXXX and XX/XX/XXXX. 

The late payment is COVID-related. At the time my mother-in-law was in a hospital in New Jersey for a XXXX XXXX XXXX when she contracted XXXX and remained sick for two months. During this time of anguish and uncertainty I completely lost track of the Chase Freedom account, but as soon as I realized that payment was late I immediately made payment in full on XX/XX/XXXX. 

I asked Chase to make a COVID-related accommodation pursuant to the CARES Act, but was denied on grounds that they can not make accommodations for past credit reporting. 

However, pursuant to the terms of the CARES Act, I am worse off having made full payment without requesting an accommodation than if I had first requested an accommodation and then made the payment. This is nonsensical. 

Per Cares Act, 15 USC section 1681s-2 ( a ) ( 1 ) ( F ) ( ii ) ( II ) ( bb ), if an account was delinquent before an accommodation is made and the account is brought current during the period of accommodation, then the information furnisher must report the account to the CRAs as current. 

Here, my account was delinquent. I missed a payment due to COVID illness in my family. I made complete payment before requesting an accommodation. Chase says they are obligated to continue reporting the account as 30-days late despite it being COVID-related, and despite CFPB guidance for lenders to work constructively with borrowers affected by COVID, ( per CFPB guidance dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). 

Meanwhile, if I had not made the payment and remained delinquent, then requested an accommodation from Chase while still delinquent, then per the CARES Act section cited above I could have brought the account current and Chase would be required to report the account as current. 

I am being penalized for bringing the account current without having first asked for a CARES Act accommodation. This is an absurd and unfair result that contradicts the CFPB guidance that lenders accommodate borrowers affected by COVID.
Product: Checking or savings account

Netspend XXXX money have decided to take it upon themselves too close my account, a day after I file disputes, today I received an email saying on the XXXX I received provisional credit and that its available for use, they are illegally holding my money as they have made me wait 3 months too even get a response from them on the disputes!!! I need access too my funds immediately and they are illegally holding them.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or armed the disputer accounts, as Experian 's inaction violates federal law and my rights as a consumer.