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

The initial problem started with XXXX XXXX reporting, without my knowledge, of delinquent or late payments for three payment periods in XXXX and XXXX. On two reports from the XXXX credit bureaus, the payments are listed as 30 days or less delinquent, and on one report the same dates are listed at 60 days plus. After contacting XXXX XXXX I was informed that these misinformed reports would be removed from my credit history as I was on XXXX as an XXXX XXXX XXXX in the United States XXXX. There was no 30 days delinquent payment, they received their payment on the next business day that the payments were scheduled to be made by my bank. In each instance, the date selected fell on an observed holiday, yet XXXX XXXX decided to report the incident anyhow. Fast forward to me scrubbing my credit report, after disputing locally with first XXXX XXXX and then with each credit bureau. And each instance, they are pointing the fingers at each other. XXXX XXXX states that their records have expunge the information from my account however have failed to provide any proof. Even though disputed on their individual sites, the credit bureaus are continually to report this information and other data on each file that is highly in accurate! I have called each credit bureau individually, and have used their own websites to dispute this matter and yet as I pull my credit report today, the information is still visible. As is the other information they were supposed to have corrected. The last company or bureau ( XXXX ) that I contacted was in XX/XX/XXXX. I again was informed by their representative that the matter has been resolved. Yet it is not and the negligence in reporting is still showing as an adversary action. Finally, it is my hope that these bureaus get on the same page and at least get my name right, get my address ( es ) right, know that I have no spouse name XXXX that you have somehow added to my account that I have no idea who this person is, and the information correct from what you claim the companies are reporting to you. If this were the case then why is the information correct on some reports but not in others? Obviously the files are too large to even input into the system for them to look at what was circled and what does not apply. However I will try my best to at least upload portions of the full reports to show the gross negligence in their reporting!
Product: Debt collection

I received a call today from a XXXX XXXX from Assets Recovery and Associates. The call came to my cell phone from XXXX. Said XXXX County is going to sue me on behalf of XXXX. I asked for something in writing from him he said no and that I owed over {$10000.00} from 2002. He kept repeating my address and county and the last for digits from my SSN. Telling me he was going to sue me if I did not pay to settle the debt. He said he has all my personal information about me and has my credit report. They were suing and putting a lien on my credit report and house. They said this is on my credit report, but I just looked at my report in the last month and there is nothing on there. Refused to provide any information in writing to me. I believe this violates the FDCPA. While he was lecturing and yelling at me on the phone i did a XXXX search and it appears that there are complaints all over the country. The state of Washington appears to say this could be a scam. An attorney blog states they are doing illegal practices.
Product: Credit card or prepaid card

Goldman Sachs Apple Card has a sad history of ignoring and making it impossible to resolve disputes and frauds. Additionally, their dispute 'process ' is a fake scam where they do everything electronically EXCEPT they require people to print and snail mail documents for disputes placing an unfair, undue and discriminatory burden/roadblock for handling legitimate credit card disputes. Most people, especially lower income people, don't even own printers anymore and/or can not meet Goldman Sachs Apple Card ridiculous timelines. To add insult to injury, after sending numerous documents to Goldman Sachs Apple Card and following up with them, they just claim that they never received them. 

Goldman Sachs Apple Card has an ugly history of abusing consumers. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

The Southwest Credit Systems Company is reporting the amount of {$220.00} on XX/XX/XXXX was bought to collections, in which the original creditor XXXX. This has been an ongoing issue since XX/XX/XXXX, for 5 years, I would like to get this issue resolved once and for all. At this moment I feel like I am being harassed by Southwest Credit Systems. 

According to : 15 U.S. Code 1681s-2- Responsibilities of furnishes of information to consumer reporting agencies a. Duty Of Furnishers Of Information To Provide Accurate Information ( 1 ) Prohibition A. Reporting information with actual knowledge of errors 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. 

Duty : a moral or legal obligation, a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something I ask of you to have THIS ACCOUNT DELETED FROM MY CONSUMER REPORTS within 10 Calendar Days! Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent, or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit report. They are breaking the laws set in place by the Fair Credit Reporting Act.

They have broken the following Fair Credit Reporting Act laws : 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 Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. 

I would like each of the following companies deleted from my credit reports immediately : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXXXXXX XXXX 6. XXXX XXXX XXXXXXXX 7. XXXX 8. XXXX XXXX 9. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned my drivers license was stolen. The spelling of my name have been changed in probate court. It is now XXXX XXXX XXXX-driver license number is ( XXXX ). The names I 've used in the past are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. My XXXX XXXX XXXX account number at XXXX XXXX XXXX was XXXX. I purchased the property on XX/XX/XXXX. XXXX XXXX annexed in XX/XX/XXXX. I do n't know why the bill do n't show the account number when I purchased the home. Unless I have a victim all those years. I know the XXXX Family have always stole utilities. From XX/XX/XXXX-XX/XX/XXXX when I filed bankruptcy. My last employer was XXXX XXXX XXXX XXXX -from XX/XX/XXXX-XX/XX/XXXX the company EIN number is XXXX. Prior to XXXX XXXX I was employed with sisters restaurant. Their EIN number is XXXX. XXXX 's XXXX EIN number is XXXX. I was employed with XXXX XXXX in XX/XX/XXXX. The case numbers I 've had in wage earner court are XXXX XXXX & XXXX My history have been deleted from the courts by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My past addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN , XXXX XXXX XXXX XXXX TN . XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX Tn XXXX XXXX XXXX  XXXX TN XXXX. My mother social security number is XXXX she XXXX XXXX XX/XX/XXXX. Her name is XXXX XXXX XXXX. My father social security number is XXXX he XXXX XXXX on XX/XX/XXXX-his name is XXXX XXXX At. His social security appears to still be active. Sisters, brothers, their children grandchildren, XXXX XXXX and all are using the XXXX social security number. A fraud alert was placed on my credit report by Attorney XXXX XXXX without my knowledge for seven years.
Product: Credit card or prepaid card

I reached out to just progress credit card and paid my balance in full, 1 year later I applied for a XXXX credit card and they said that it shows that I still owe first progress credit company and thats why they denied my request for credit with them, it wasnt charged off its been paid
Product: Debt collection

I received a phone call from Transworld Systems Inc. regarding the balance owed on my XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When I spoke with them, I advised them that I am able to pay the balance of what I owe, {$3500.00}. They, instead, advise me that I now owe {$5200.00} on this balance. 

I conducted my own research on this company as I was having issues with fraudulant activity occurring on my account. Upon doing this, I found that many individuals have incurred unfortunate situations with this company as I have already ; to include paying their balance with funds continuing to be taken out of their incoming funds. I have personally encountered obscene, profane and abusive language, threats of garnishing wages, freezing any bank accounts and that they would take any check I have until they get the full {$5200.00} amount owed. They additionally threatened to freeze my SSN and advised me that they will make sure that I will not be able to make any purchases or obtain any new jobs until they get their full amount of {$5200.00} owed. Their lack of professionalism or willingness to work with me in any way was not provided to me as an option. Additionally, they continue to not provide me with a valid explanation as to why there was {$1700.00} additional dollars added onto the amount I owe. Upon the instances where I tried to contact this company, I have been hung up on XXXX times, deferred to other individuals who claimed they were unable to help me, and when I was able to finally reach someone, obscence language was used along with given multiple threats with no help being offered. Again, I am able to pay my balance of what I owe, {$3500.00}, but they are not giving me this option and are not advising me of why these additional charges have occurred. I 'm unsure of how to proceed, but would like this matter taken care of. I would like to pay my balance, but will not provide money to a company that has a history of " losing '' balances paid and will not provide me with an explanation of why the account increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX Amount {$4800.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX Account number XXXX Amount {$5700.00} Date XXXX his is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account Number XXXX. 
Amount {$22000.00} Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account Number XXXX XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 

XXXX XXXX XXXX  Account Number XXXX XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file. 


XXXX Account number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file XXXX XXXX Account Number XXXX Date XXXX This is a fraudulent account on my report. I ahve already submitted my police report and ftc report to the credit agency and it is still on my credit file
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so they should be deleted promptly. I demand these inquiries be deleted immediately or I will file for litigation, due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

Shellpoint Mortgage Servicing is the lender on my XXXXXXXX XXXX XXXX XXXX appraised at $ XXXX. In XXXX, XXXX, my XXXX XXXX XXXX Master Insurance Policy was dropped and could not be renewed. During the time the HOA worked to find a new carrier, Shellpoint enacted a $ XXXX policy on my personal mortgage. Shellpoint began garnishing my escrow on this $ XXXX premium and finally increased my personal mortgage $ XXXX per month. 

During the month of XXXX, there are XXXX unique transactions on my payment history with Shellpoint. On XX/XX/XXXX, Shellpoint had not covered my personal mortgage and stated I would be reported to creditors. On XX/XX/XXXX, Shellpoint had + {$960.00} of " unapplied money '' sitting in my account and an escrow of {$5700.00} but would not pay my mortgage despite collecting : + {$2800.00} " regular payment '' on XX/XX/XXXX, + {$940.00} " escrow only payment on XX/XX/XXXX, and + {$4900.00} on XX/XX/XXXX. 

As of XX/XX/XXXX, my escrow balance is {$6500.00}. Shellpoint has taken more than $ XXXX from me since XX/XX/XXXX and had enacted an improper Master Policy on my behalf for a $ XXXX property that I do not own. 

XX/XX/XXXX, I called Shellpoint to provide proof of a new HOA Master Policy. I emailed all certificates as directed. As of XX/XX/XXXX Shellpoint still has not canceled their $ XXXX policy on my XXXX property.
Product: Credit card

Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Incorrect Credit Reporting and Account Balance Account Number ending in : XXXX I am writing to dispute the recent negative reporting and incorrect balance of {$1100.00} on my credit file for the above-referenced account. This account was paid in full on XX/XX/XXXX, as confirmed by your letter dated XX/XX/XXXX, which states that my balance was {$0.00} at the time. Despite this, my account has been reported as having an outstanding balance and several late payments in XXXX, which has severely affected my credit score, dropping it by over XXXXXXXX XXXX 

I believe that this negative reporting is the result of an error or a misunderstanding and I request that you review the records associated with this account. I have attached a copy of the letter from your office confirming that the account was paid in full. Please correct this information and update all three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX  accordingly. 

Please note I closed my account in XXXX due to erroneous charges that they wouldn't remove from my account. 

I believe this was during the time that Bed Bath & Beyond filed for bankruptcy and XXXX purchased them. As XXXX took over I started receiving emails and phone calls stating that I owed money. 

Thank you for your prompt attention to this matter. I trust that this issue will be resolved quickly. 

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

Im submitting a complaint to you today to inform you of the fraudulent accounts and information you are reporting on my Credit File that has damaged my Credit Worthiness. I researched on how to remove the fraudulent items from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted due to fraud, not later than 4 business days after the date of receipt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Block and Deletion of Fraudulent Accounts Pursuant to 15 U.S.C. 1681c-2 ( a ) Dear Trans Union Disputes Team, I am writing to formally notify you that I am a victim of identity theft, which has resulted in fraudulent accounts being opened in my name without my consent. I request that all fraudulent accounts be blocked and deleted from my credit report, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( a ).

The following accounts have been identified as fraudulent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To support my claim, I have included the following documentation : A copy of the identity theft report I filed with law enforcement agency, e.g., FTC. 
A copy of my government-issued identification for verification purposes.

A copy of a recent utility bill to confirm my current address.

I request that you : 1. Block all fraudulent accounts identified in this letter.

2. Permanently delete these accounts from my credit report.

3. Notify any creditors involved about the fraudulent nature of these accounts.

4. Provide me with written confirmation once the fraudulent accounts have been removed.

I expect a prompt investigation and resolution of this matter, as required by law.

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that my credit report has been corrected accordingly. 
Sincerely, XXXX XXXX Enclosures : Copy of Identity Theft Report Copy of Government-Issued ID Proof of Address
Product: Debt collection

The issue I am having is not truly listed above. Today, XXXX/XXXX/2015, i received an alert from my credit monitoring service that a collection account had been added to my credit report. I immediately called the collection agency to find out what the debt was and why I never received the notice in the mail. They told me that the letter was sent to XXXX XXXX XXXX XXXX but I moved from that address and now live across the street at XXXX XXXX XXXX XXXX which was why I had not received the mail. XXXX XXXX XXXX is vacant so no one gave me that mail and I never received any forwarded mail from USPS. 
They also informed we that a wage garnishment had been sent to my previous employer which i no longer work for and I dont understand why i would not have been contacted via phone or email before involving my employer. 
I asked them if they could remove the account if I paid it over the phone and they said I could not dispute with them which I found very strange. I then asked if I could receive a letter stating that the account was paid in full but they said that I have to wait 30 days to receive this and I feel this is unfair since I never received the correspondence to begin with. i am in the process of obtaining employment and since I work in the financial industry, I can not have a new collection account listed on my credit bureau as this would prevent me from being hired. 
Given the fact that I paid the account in full ( reference number XXXX ) and the correspondence was sent to an old address i think this collection account should be immediately removed from my credit bureau report. having it on there will prevent me from finding employment in my field!!!
Product: Mortgage

Mr. Copper Mortgage underwriting practice caused me a financial hardship and damage to my quality of life. My FHA mortgage protection insurance included death of spouse, my husband passed away of XX/XX/2020. 
I'm XXXX  and have a XXXX, I tried numerous to contact Mr. Cooper regarding without acknowledgment
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act. The list of accounts belowhas violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

account name- XXXX account name- XXXX account name- XXXX account name-XXXX account name-XXXX account name-XXXX account name-XXXX  account name- XXXX account name- XXXX account name- 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 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: Debt collection

I was incorrectly billed for two visits or exams at an XXXX XXXX facility during a single visit that took place on XX/XX/XXXX. 

After many, many conversations with hospital billing and my insurance company, the alleged debt was then sent to their collections and subsequently to an external collection agency. I submitted proof of the error ( including my insurance EOBs ) to the hospital 's billing department and to the external collection agency on XX/XX/XXXX. 

I received a response from the collection agency stating that they found that the coding on the claim was correct, but with no proof or evidence to back it up. I sent a letter asking for evidence on XX/XX/XXXX. 

I then received a collections call from a different company sometime in XX/XX/XXXX ; I told them that I had submitted evidence of incorrect coding/billing previously and refused to pay a bill I do not owe. 

Subsequently, I have received notice from another collection agency on or around XX/XX/XXXX, dated XX/XX/XXXX, giving me 30 days to dispute.
Product: Debt collection

Never was this account mine! This account is unfamiliar to me. This account has never been used to sign a contract. This account is not mine ; therefore, I should not be responsible for it.
Product: Credit reporting or other personal consumer reports

I did sent a letter to XXXXXXXX XXXX XXXXXXXX last XX/XX/year> because XXXX, EXPERIAN and XXXX is reporting 100 % incorrect XXXX XXXX XXXX Reference # : XXXX. I received a response from XXXXXXXX XXXX  XXXX stating that the XXXXXXXX XXXX  XXXX does not report any information to the credit reporting bureaus. It stated in the letter as well that credit reporting agencies may not report a XXXX case.