23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please see my complaint # XXXX - I had written regarding the inequity in the counter offer on my short sale. The lender ( Shellpoint ) had two valuations that show the property worth {$37000.00} in XX/XX/XXXX and {$38000.00} in XX/XX/XXXX. They countered at {$80000.00} which makes no sense. 

In their response which the CFPB shut down, they claim they have a valuation on my property of {$160000.00}. That valuation is outdated and was done in XX/XX/XXXX this year by someone who drove by and never even got out of her car to value the property. 

Shellpoint did n't even address the fact that there were more recent valuations on hand. Since when do you utilize an outdated value to determine loss mitigation options. 

I 'm not only disappointed now with Shellpoint, I 'm disappointed with the CFPB for not ever reviewing the information I submitted with the two valuations nor reviewing Shellpoints response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, Transunion, XXXX Isn't it true that under the Fair Credit Reporting Act, a credit reporting agency has thirty days to investigate my disputes? 
I have sent several letters to ( XXXX, Transunion, XXXX Credit Reporting Agency ) regarding inaccurate information in my credit file. I have not received any response from them and the inaccurate information remains in my credit file. Now I would like to file my Federal Trade Commission complaint formally. 
If you have any questions please feel free to contact at the number listed above. 


Please review inaccuracies that are being reported. Its your job to VERIFY and provide PROOF. As per the FDCPA, I have the right to request a validation of all debt. I request you to prove that I am indeed the party who is by contract obligated to pay off debts specifically for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts as well as all others. 

I hope you are aware of the fact that reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal XXXX Trade Commission ( FTC ) and other state/federal. See attachment which shows almost every account doesnt match the active last day or open account date and some have different monthly payments. ALL inaccuracies must be deleted immediately. Until verification and validation of these accounts attached all MATCH and accurate you must delete. Honestly my entire report has inaccuracies between XXXX, transunion and XXXX it is YOUR job to investigate and provide ACCURATE data. If you cant produce accurate data then you must delete it off my credit report! I have attached examples of how every single account listed doesnt match another credit bureau reporting. They MUST MATCH & BE ACCURATE. Thats your job not mine. In the meantime, Im requesting for the 6th time to delete the accounts listed and update to only one address and you do not have my consent to run my SSN TRACe, monitoring alerts which adds negative alerts to creditors as inOPT OUT OF SHARING MY DATA any further as I opt out of that right due to your negative fraudulent reporting for the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureaus to validate the account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance Owed : {$270.00}
Product: Credit reporting or other personal consumer reports

Chase is reporting my account 30 days late on XX/XX/XXXX for my XXXX XXXX XXXX credit card. That information is incorrect and I have never been 30 day 's late on this account. I requested a due date change from the XXXX of every month to the XXXX of every month on this credit card, which changed my cycle date. For that reason there is no online statement generated for XX/XX/XXXX, because of this change. So my XXXX balance was pushed back and was not due until XX/XX/XXXX. 
But after calling Chase I was still able to confirm that a payment was made on XX/XX/XXXX in the amount of {$430.00}. Therefore it's actually impossible for me to be 30 day 's late for a credit card payment on XX/XX/XXXX. 
I tried to get this information in writing from Chase but a supervisor told me that Chase doesn't allow any kind of personalized written/typed letters to Chase consumers XXXX he also mentioned there was no document he could send me in order to verify this informatio which has already been confirmed via phone call with a Chase supervisor on XX/XX/XXXX.
Product: Mortgage

Two problems : 1. I paid my property taxes during close of refinance XX/XX/XXXX ( for the XX/XX/XXXX property taxes. ) I also paid them an additional 6 months worth of property taxes to be applied to the escrow account for the XX/XX/XXXXproperty taxes. 
***The title company never paid the property taxes for XX/XX/XXXX. We discovered this when we received our new Annual Escrow Account Disclosure Statement on approximately XX/XX/XXXX. I called AmeriSave 's XXXX  escrow division who after multiple calls and asking for supervisors finally discovered the Title company did not pay the XX/XX/XXXX property taxes. The title company refunded to me on XX/XX/XXXX the amount they were supposed to pay and I immediately made payment directly to XXXX  for that exact amount to replenish my escrow account. I also did the same for the tax penalty the title company refunded to me on XX/XX/XXXX. 

2. XXXX  also overpaid my property taxes. In XX/XX/XXXX they paid the XX/XX/XXXX property taxes. Then in XXXX they paid the full 2020 years ' property taxes, even though they had paid the prior month. Which they can see in their records that they've erroneously over paid the county for these property taxes. 

Since XX/XX/XXXX I've been hung up on, told that my escrow account is correct, and finally when they see their errors they say it may take up to 3 more months for them to correctly replenish my escrow account correctly. In the meantime they have advised me that IF I DO NOT pay their incorrect mortgage payment, which was set to be {$1200.00} more than my correct payment, that my underpaying my mortgage would result in them reporting to credit agencies that I underpaid my mortgage, which would result in a negative on my credit report. 

I've even contacted the head of Amerisave mortgage and had a contact there that said she assured me she would stay with me and that this would be resolved today, XX/XX/XXXX. As of today she has not returned my last email and phone message to her of XX/XX/XXXX. 

I have everything documented and have the exact paperwork and copies of the refund checks reapplied to the escrow account, etc.
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... WFC XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

A COUPLE YEARS BACK I SENT A LETTER TO THE CEO OF TRANSUNION CREDIT BUREAU. SINCE THAT TIME THIS AGENCY HAS FAILED TO LET ME KNOW OF BREACHES TO MY ACCOUNTS AND HAS INCORRECT PAYMENT INFORMATION ON PAYMENTS MADE TO MY ACCOUNTS. THIS SEEMS TO ME TO BE A PERSONAL VENDETTA AGAINST ME AND MY CREDIT. THEY HAVE FAILED TO ALLOW ME TO BUILD MY CREDIT BECAUSE THEY HAVE INCORRECT INFORMATION AND APPARENTLY THERE HAVE BEEN BREACHES TO MY ACCOUNT THAT NO ONE TOLD ME ABOUT. IF THIS CREDIT BUREAU IS SUPPOSED TO DETERMINE PEOPLES CREDIT RATINGS AND THEY XXXX UP INFORMATION AND DO NOT RECOGNIZE BREACHES TO PEOPLES ACCOUNTS THEN WHAT THE XXXX ARE THEY GOOD FOR? 

I HAVE LOOKED FOR THAT LETTER TO THE CEO AND EVEN THOUGH I HAVE EVERY LETTER BACK TO XX/XX/XXXX, I CAN NOT FIND THE LETTER I SENT TO THE CEO OF TRANSUNION. 

WHEN YOU CALL THESE PEOPLE THEY ARE ABSOLUTELY CLUELESS AND THIS HAS BEEN GOING ON SINCE THE DATE OF THE LETTER WHICH WAS BACK IN XX/XX/XXXX. THERE ARE ACCOUNTS SUCH AS MY XXXX XXXX ACCOUNT, XXXX XXXX ACCOUNT, MY PERSONAL ACCOUNT WITH XXXX XXXX XXXX WHICH IS MY BANK AND MORE AND ALL OF THE PAYMENTS ARE LESS THAN WHAT IS ALLOWED AS EVEN A MINIMUM PAYMENT AND I DO NOT WANT TO CONTACT THEM BECAUSE THEY ARE INCOMPETENT AND JUST RECENTLY MY SCORE DROPPED CONSIDERABLE WITH NO EXPLANATION WHAT SO EVER AND THAT IS OUTRAGEOUS. I WANT THIS COMPANY INVESTIGATED BECAUSE I AM SURE I AM NOT THE ONLY ONE THAT IS BEING EFFECTED. 

WHOEVER IS RUNNING TRANSUNION THEY ARE INCOMPETENT AND THEN THROUGH XXXX XXXX I FOUND OUT THERE WAS A BREACH FROM COMPANIES I HAVE NEVER DONE BUSINESS WITH AND ALSO CREDIT CHECKS FROM COMPANIES THAT I HAVE NO IDEA WHO THEY ARE. 

IF MY IDENTITY HAS BEEN HACKED, THEN TRANSUNION HAS DONE NOTHING OR NEITHER HAVE THE OTHER COMPANIES THAT CONTROL CREDIT FRAUD. TRANSUNION IS CONTROLLING WHAT THE OTHER AGENCIES IN MY CASE ARE OFFERING ME AS A SCORE. I AM SICK AND TIRED OF THIS ABUSE AND I THINK WITH THE ADMINISTRATION WE HAVE THAT THIS CREDIT BUREAU SPECIFICALLY IS NOT DOING THEIR JOBS AND NOT TELLING PEOPLE WHY THEIR SCORES DROP AND HAVE MANY MANY INCORRECT PAYMENTS AND I WANT THIS CHECKED INTO AND THE CEO RUNNING IT SHOULD ALSO BE INVESTIGATED AS SINCE MY LETTER TO HIM, I HAVE HAD NOTHING BUT TROUBLE. 

I WANT TO KNOW IF MY ACCOUNT HAS BEEN HACKED AND THESE IDIOTS HAVE NO IDEA. AND THEY DO NOT CARE. I THINK REGULATIONS SHOULD BE PUT ON THEM AS THEY ARE EFFECTING PEOPLE WITH NO EXPLANATIONS AND MOST OF THE TIME DO NOT EVEN ANSWER THE PHONE OR HAVE A PHONE NUMBER PUBLISHED. WHAT ARE THEY HIDING? 

PLEASE INFORM THEM THAT I WANT EXPLANATIONS WHEN THEY XXXX WITH MY CREDIT SCORE WITH NO EVIDENCE AT ALL.
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 XXXX XXXX - {$6200.00} XXXX XXXXXXXX {$7500.00} XXXX XXXX XXXX XXXXXXXX {$390000.00} XXXX XXXX XXXX XXXX {$390000.00} XXXX XXXX {$1500.00} 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 of 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

In accordance with the Fair Credit Reporting act XXXX  - Navy Federal Account # XXXX, has violated my rights. Charged off in the amount of {$13000.00}. 
Date Opened Date Reported Closed Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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
Product: Credit reporting or other personal consumer reports

I have Disputed Fraudulent accounts on Experian credit re and even after investigation some information was not deleted as i requested. I submitted these accounts to my FTC report as well.
Product: Credit reporting or other personal consumer reports

I called all three reporting agencies asking them to remove the hard inquiries reported in accurately and negatively on my credit report. 

In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.

The inquiries that I wish to remove are located on the attached documents of this complaint.

Also this account is in collections which means that the business wrote the debt off on a 1099-C which is classified as income by the IRS.

15 U.S. Code 1681a ( 2 ) ( a ) ( i ) supports the previous sentence and states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer and the person making the report.

7 CFR 1782.3 - Definitions : Charge-off. Write off of a debt and termination of servicing activity without release of liability. A charge-off is a decision by the Agency to remove debt from Agency receivables , however, future payments may be received.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

To conclude, In accordance with 15 U.S. Code 1681- Congressional findings and statement of purpose section ( a ) & ( b ) it is detrimental to the consumer as well as our economic structure that these negative items be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Comenity Bank/Kay , XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Amount : {$2400.00} The account holder should provide the original instrument of debt with signature that I am a debtee of theirs and I have not received any proof. 15 USC 1681 Section 602A states I have the right to privacy and according to 15 USC 1681eb, they are supposed to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. Because I do not owe XXXX XXXX XXXX XXXX and have never signed a contract of agreement to debt with them specifically, the debt should be removed immediately from my credit report.
Product: Mortgage

My problem is with LoanCare , LLC which operates the website myloancare.com. They purchased my loan two years ago. I've had the same homeowner insurance for 7 years. LoanCare , LLC paid my insurance last year on time. This year they didn't and I lost coverage. They show they sent payment but now sent me a letter stating I have no coverage and threaten to purchase more expensive insurance. They don't answer my calls nor respond to my emails.

They had all my insurance information as it hasn't changed in 7 years and they paid it last year.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit report account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX shared my nonpublic consumer information to Experian, XXXX, and XXXX. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1
Product: Money transfer, virtual currency, or money service

There are XXXX of small transactions that occurred on my Cash App account in the last week of XX/XX/XXXX. My account was drained of over {$1000.00} by means of several transactions to XXXX and XXXX XXXX. I have not even touched XXXX since about XXXX, especially after all of the security concerns. I do not even know what XXXX XXXX is. Cash App has been completely complicit in the scheme. They said I had to do a XXXX minute process for EVERY TRANSACTION to request a refund. I did a few, but then my claims started being rejected, saying I authorized the transactions. There is no one else To follow up with at Cash App or Block after this. Cash App wants people to have their direct deposits come in and act like a checking account, but there is ZERO fraud protection. I saw that they were sued over this, but my loss date was after the cutoff date to recuperate. I very recently learned that the CFPB is handling these matters with Cash App, or was. I understand that several programs are under review, but I assure you that stopping Cash App in their international thieving ring aligns with XXXX XXXX  values.
Product: Debt collection

I have been getting calls from an alleged old payday loan from several years ago, beyond the time to collect, if it is in fact even mine. I recently requested my credit reports and there is a firm called XXXX Bank that has run my report 9 times in the past year. Although they are an issuer of credit cards, they have never made me an offer. Research shows that they are a part of XXXX, which is a gigantic debt collector and notorious for these sorts of illegal collection tactics. It is obvious that XXXX is violating 15 USC 1681q by wrongfully obtaining my information to have their related firm keep harassing me. As such they should be prosecuted
Product: Credit reporting or other personal consumer reports

Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, 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 and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.
Product: Consumer Loan

Company mislead on the interest on a loan and payment terms. I called to get clarification and spoke to a manager who told me that there was n't anything she could do to rectify my problems. I tried mercilessly to get the problem resolved to no avail. I felt cheated and mislead.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX FL XXXX - XXXX, XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This account : XXXX is reported in my credit report without proper validation.
Product: Credit card or prepaid card

XX/XX/2019 To Whom It May Concern, Today I became aware that fraudulent charges of {$660.00} were placed on my XXXX XXXX Comenity Bank credit card on XX/XX/2019. The charges are {$310.00} and {$310.00} and a late fee of {$27.00} and a finance charge of {$15.00}. 

According to " XXXX '' the XXXX XXXX Manager in XXXX NV, ( XXXX ) XXXX, NO purchases or orders were made in 2019. 

I called Comenity Bank customer service XXXX XXXX XXXX XXXX and spoke to 'XXXX XXXX. She directed me to the fraud line XXXX XXXX XXXX XXXX where I was placed on 'hold ' with no call back feature. 

I sent emails to the Comenity Bank company through the credit card website.