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

Since COVID-19 pandemic I entered into an agreement with my mortgage co into a forbearance. They reported to XXXX XXXX that I was delinquent on my XXXX payment. I'm on a forberance plan with them which states I will not be reported to the credit bureau. I called XXXX because my credit score dropped XXXX pts. and was told my mortgage company reported I was delinquent on my XX/XX/XXXX payment and that I was in Chapter XXXX bankruptcy. I was discharged from my bankruptcy 1 year ago after having it on my credit report for 10 years. Shellpoint can not add a statement in my credit recordabout being in bankruptcy when I did my part and have a record on my credit report for 10 years and being discharged 1 one ago. I started a dispute with XXXX XXXX. I immediately call my mortgage company to find out why this happened and they apologized and would fix the problem. I waited one month for the dispute to be over. I called today XX/XX/XXXX to XXXX  to ask about the results from my dispute and was told my mortgage company came back with a no change status results. I called my mortgage company and spoke to a supervisor and he told me that Shellpoint did response as of XX/XX/XXXX but I would not see the results for a couple of weeks. I again on XX/XX/XXXX called back XXXX to ask when the results of my dispute would be updated. I was told results are updated immediately and Shellpoint did respond with a no change status. I started a new dispute. After I called Shellpoint again to complain about my situation and was told by customer service that my dispute/complaint would have to be sent to them in writing. I don't understand why and how SHellpoint can get away with this. I have excellent credit history and now my score in XXXX pts less. I did have a bankruptcy that started in XX/XX/XXXX and ended in XX/XX/XXXX I was discharged. I did not add my mortgage in my bankruptcy. I have been paying it ever since until I lost my job during this pandemic. Shellpoint can not add anything having to do with my prior bankruptcy or missing a payment as Im in a forberance plan with SHellpoint. Please help
Product: Debt collection

I, XXXX XXXX, consumer, demanding Navy Federal Credit Union to comply with Federal law 15 U.S. Code 1692g ( b ) - Validation of debts.

In addition, demanding Navy Federal Credit Union to produce such agreement ( s ) the allege debt is arising from, If Navy Federal Credit Union can not provide such agreement ( XXXX ) Navy Federal Credit Union shall be liable under 15 U.S. Code 1692k - Civil liability. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Product: Credit reporting or other personal consumer reports

Did not authorize credit inquiry on these dates : 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 XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off XXXX Amount : {$320.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I have a mortgage that is serviced by Mr. Cooper. Taxes and insurance are escrowed, so Mr. Cooper collects funds from me on a monthly basis to pay those items when they are due. Mr. Cooper failed to timely pay my XXXX XXXX, Montana tax bill of {$1600.00}, due XXXX. As a result, XXXX XXXX imposed a penalty of {$32.00} and interest accrued on the amount due until Mr. Cooper paid the full tax, with penalty. Mr. Cooper paid the full amount on or about XXXX, resulting in accrued interest of {$6.00}. Accordingly, the total amount in late charges from XXXX XXXX to my account -- due to Mr. Cooper 's late payment -- is {$38.00}. And the total " new '' payment amount for my taxes was {$1600.00}. Rather than pay this late penalty themselves, Mr. Cooper extracted it from my escrow account without notifying me. 

I contacted Mr. Cooper on XXXX, and requested that they reimburse me for the penalty/interest from their late payment of my taxes. Mr. Cooper said that they would remedy the error and repay me the {$39.00} in funds into my escrow account. On XXXX, Mr. Cooper called to inform me that they did not believe that the {$38.00} increase was due to penalty/interest -- despite the fact that this information is available on the XXXX XXXX website .
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at XXXX, I was scammed into sending a person {$500.00} for a concert ticket through Zelle XXXX They sent me a screenshot of what I thought was proof of purchase and I stupidly believed them. Once I realized what I had done, I tried to get the money back and of course they blocked me. I went though my bank ( XXXX ) to report the case and they told me it would likely not rule in my favor but they would start a dispute. Here I am XX/XX/XXXX, and sure enough Zelle declined. Since Zelle is attached to all of the banks, I was naive to believe it was safe to use.
Product: Payday loan, title loan, or personal loan

I signed the loan agreement yesterday - the loan was for {$1500.00}. 
I decided today that I wanted to pay a portion the loan off because of the high interest and have been trying to get a hold of someone. When I call the number XXXX, I am told I can make a payment online but there is nowhere to do that. If I press any number, I get immediately disconnected. I also get disconnected when I ask about paying off my loan ( after being told it is possible ). I am getting increasingly more afraid that this was a scam. I also tried sending an email and the reply just said to call in .... which does not work.
Product: Debt collection

I received an email notice from Columbia Debt Recovery, dba Genesis on XX/XX/XXXX, regarding an alleged debt in the amount of {$170.00} plus interest. This amount was settled and paid off in XX/XX/XXXX with XXXX XXXXXXXX XXXX XXXX in XXXX, XXXX On XX/XX/XXXX I called the debt collector informing them of their mistake and emailing XXXX with the final move-out statement issued by XXXX XXXX XXXX XXXX confirming that the {$170.00} final bill was paid off from the {$500.00} rental deposit, resulting in a refund of {$320.00}. However, Columbia Debt Recovery, dba Genesis refused to correct the mistake and take the debt out of collection. My credit score has been impacted as a result, so I would like to seek help from CFPB to resolve this issue and remove this debt from my credit report. 
XXXX XXXX XXXX, XXXX XXXX address XXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX XXXX ; phone : ( XXXX ) XXXX
Product: Debt collection

I believe this to be a third party collection agency by the name of API and I am just a reference for my son  XXXX   XXXX   XXXX . I have ask this person "  XXXX   XXXX  '' not to call because  XXXX   XXXX  does not live here, I even confirmed  XXXX  's cell phone number with him and ask them not to call my home or cell (  XXXX  )  XXXX  or (  XXXX  )  XXXX  on  XXXX / XXXX / 17  at  XXXX   XXXX   XXXX   XXXX  called my home (  XXXX  )  XXXX  again today  XXXX / XXXX / 17   XXXX  from (  XXXX  )  XXXX  claiming my son told him on Friday to call this number, which I know for a fact, is n't true??? This  XXXX   XXXX  is very, very rude and I asked him not to call again and he stated that he would be calling me again tomorrow, again he 's very, very rude and basically told me I do n't have any rights.
Product: Credit reporting or other personal consumer reports

I have been a member of Credit Karma for some time. XXXX day I tried to sign back into my account and it was locked because they don't have an option to update your phone number. I have tried numerous times in the past XXXX months to get signed back in. They refuse to respond but they have sent me XXXX different emails in the past XXXX days telling me that my credit is damaged. My credit is damaged due to XXXX of their credit cards that they push on people. Credit Karma could see that I was in the process of purchasing my home and decided to send me offer after offer for credit cards. The only one that I qualified for was XXXX XXXX It was for a {$300.00} limit. I was making payments on the {$300.00} and actually paid {$120.00} and when I looked at the Balance is only went down {$4.00} to {$290.00}. I tried reaching out to Credit Karma since they were the ones that pushed the card on me but Credit Karma does NOT have ANY phone number in which to contact them and they refuse to respond other than sending you emails to check your credit report when you can't because they won't unlock it. I have reached out to them on their XXXX PAGE and they still refuse to respond. I need back into my account so that I can see what damages Credit KarmaXXXX has XXXXaused to my credit score. 

This has been going on for almost 6 months since I got the fraudulent XXXX XXXX XXXX I have since cancelled the card and was waiting to hear back from them before making any further payments. And instead of responding they have reported my credit to the credit bureaus and maliciously damaged my credit. I signed up with Credit Karma and XXXX to help my credit score and to improve it and instead my credit is damaged and I most likely will not be able to get my house refinanced and will therefore lose it. All because XXXX wanted to scam me on my credit a card that was pushed on me by Credit Karma XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, XXXX and XXXX via certified mail starting XXXX after pulling my credit reports to update incorrect information on my credit report. One of the accounts in dispute was for Credit Acceptance Corp and showed as a repossession on my credit file with all three major credit bureaus. For over a year now, Credit Acceptance Corp continues to " verify the account as accurate '' without providing me the documents necessary to validate this account. This account is not mine however the credit bureaus insist on accepting the false verification from Credit Acceptance Corp without any documents proving the validity of the account. I have sent 3 letters ( On XXXX XXXX, on XX/XX/2021 and on XX/XX/2021 ) and Credit Acceptance Corp has refused and or ignored my requests for proper documentation representing this account is accurate and of my responsibility, yet they report it as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to agent is notice to principal notice to principal is notice to agent Reinsertion of previously deleted accounts from credit reports : XXXX XXXX XXXX : Social Security Number : XXXX To Whom It May Concern : It has come to attention while checking my consumer reports that you has reinserted a previously delete item on my consumer reports. 

I am requesting the certification of accuracy that was produced by the data furnisher that verified this alleged account. By law 15 usc 1681i ( 5 ) ( B ) ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

Furthermore after reinsertion of previously deleted information within 5 days you were to notify me pursuant 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

You have failed to provide the required disclosure and notices pursuant the FCRA 15 USC 1681i and its provisions. 

Delete the reinserted accounts that you have placed on my consumer reports which now is a violation of the FCRA. 


XXXX XXXX All rights reserved UCC 3-308 CC : CFPB, XXXX, ATTORNEY GENERAL IN YOUR STATE AND MINES
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate my consumer rights. On XX/XX/2022 I sent a letter to Experian requesting inaccurate personal information be deleted from the consumer file. I sent a copy of my driver 's license so the inaccuracies can be corrected. I also requested documentation of their method of verification for previously disputed accounts, not a reinvestigation, including XXXX ) The name of the original creditor, XXXX ) The creditors address and telephone number, XXXX ) The person 's name they verified the dispute with, XXXX ) The documentation used to verify the dispute. I have not received the requested information. I do not want inaccurate and unverified information furnished on my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX, NJ XXXX XXXX There are old items on my report that I demand you remove at once in order to comply with the 15 U.S. Code $ 1681c-2 and 15 U.S Code 1681b. 

XXXX XXXX - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

XXXX XXXX  - XXXX - This doesn't belong to me. - This is paid as agreed and should not be reporting negatively on my report. 

BMW FIN - This is paid as agreed and should not be reporting negatively on my report. 


Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX - XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The personal data reporting is inaccurate. 

BMW FIN XXXX XXXXXXXX - The term that is being reported is reporting inaccurately - This was paid as agreed and should not be reporting a charge off on my report at all. 

XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

XXXXXXXX BMW XXXX XXXXXXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

BMW XXXX XXXX - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 

BMW FIN SVC - XX/XX/XXXX This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 


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 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 accounts 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN 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 deletion of these accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting by Comenity Bank To Whom It May Concern, I am writing to formally dispute inaccurate information being reported by Comenity Bank on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair credit reporting, and Comenity Bank is currently in violation of this right. 

Comenity Bank is reporting incorrect account information across all three major credit bureausExperian, XXXX, and XXXX. The information they have provided is inconsistent and inaccurate, which is damaging to my credit profile. Since the information is not being reported accurately on all three bureaus, I am requesting a complete deletion of these accounts from my credit reports. 

I have attached copies of my credit reports highlighting the inaccuracies, along with any supporting documentation that proves my case. I kindly request that the CFPB investigate this matter and ensure that Comenity Bank corrects its reporting or deletes the inaccurate accounts as required by law. 

Please provide me with an update on the status of this dispute at your earliest convenience. I appreciate your prompt attention to this matter and look forward to your response
Product: Checking or savings account

Opened account to check funds. Nathan Lollis. Placed an {$11000.00} withdrawal from my account for a company I did business with 5 years ago. I never received a notice from the Attourney or the sent company. No, phone call, no emails Re guarding a bill. Nothing
Product: Credit reporting or other personal consumer reports

Request to Cease Reporting Due to Violation of 15 U.S.C. 1692c I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request that you cease reporting a collection account associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c.

I recently sent a letter to the collection agencys XXXX XXXX XXXX regarding the violation of my rights under this statute. As per this law, I have the right to request that they stop contacting me under certain circumstances. I understand that this applies to how this information is reported to credit bureaus as well. 
Given this situation, I kindly request that you investigate this matter and take the necessary actions to remove any negative reporting associated with the collection agency from my credit report as soon as possible. 

Please confirm receipt of this letter and let me know the actions you will take regarding this matter. Should you need any further information or documentation from my side, feel free to contact me Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act under 15 USC 1692 ( G ) I am demanding that my rights be enforced by requesting that these companies provide me and the CFPB for a " Debt Validation Claim '' XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX ; XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX Acct # XXXX A. Please provide me the original signature that i agreed to on this contract for this creditor. B. Please send me a full detailed list of the payment history of these account. C. Has there been any Insurance claims filed on this debt ( Please provide ) D. Please provide me the chain of title that you have to collect on this debt.
Product: Credit card or prepaid card

This is the result of job fraud. Capital one is holding me responsible for the following transactions XXXX/XXXX/XXXX {$3400.00} XXXX/XXXX/XXXX {$3700.00} XXXX/XXXX/XXXX {$4100.00} XXXX/XXXX/XXXX {$4000.00} XXXX/XXXX/XXXX {$1100.00} These we XXXX XXXX purchased which XXXX XXXX XXXX XXXX depleted the cards XXXX I reported this to the police and filed a report in XXXX XXXX once I realized something was not right.
Product: Debt collection

Under 15 U.S. Code 1692c ( c ), a debt collector must cease communications upon receiving a written request from a consumer to stop all contact regarding the debt.
Product: Mortgage

XXXX has stated they did not participate with the HAMP or HARP programs. I been unemployed and underemployed a few time since XXXX and have completed a number of modification applications. Everytime I contact XXXX and tried to have a resolution to this hardship. The last time I tried. They denied the application due to the amount of monies owed. I have repeated asked for qualifying for any forgiveness programs. I have been told they have in house programs that would help. I am currently unable to find a solution. My father, XXXX y/o, and name is on the mortgage. Lives in the property and is taking XXXX who recently had XXXX I added his income to the application. It took over XXXX months to get a response and then a denial. The debt to income ratios are within 30-35 percent and the debt is more than the value of the house. This is a TRUE hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I contacted XXXX around XX/XX/XXXX to close my account and start a repayment plan. At that time they said I was not elligible and had to wait 30 more days. but for some reason they still locked me out of my account, disabled all my mail and email notifications. Because of this apparently there was. {$13.00} payment that was missed, but never received any calls or anything about it. It showed up on my credit report as a late payment in XX/XX/XXXX, once I saw that i paid it immediately. I contacted some of the credit bureaus, XXXX would not removed it, XXXX did remove it. And I don't know If Experian did anything. I even contacted XXXX about it and they could not help me. This was not my fault and was completely out of my control. I was not even able to login to my account at XXXX. This is ruining my credit score
Product: Mortgage

I have called several times dealing with Cardinal Financial I was told they have never received funds from XXXX referenced XX/XX/XXXX payment of {$880.00} nor the past due amount of {$5500.00}. 
Cardinal Financial is sitting on the payment and not processing it. It has been sent by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has received their payments It odd Cardinal Financial has not