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

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 resulted from an alleged identity theft not later than 4 business days after the date of receipt. Under 15 US code 1681 e ( b ) & 15 US code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. In accordance with Fair Credit Reporting Act, the list of accounts have violated my federally protected consumer rights. Pursuant 15 USC 1681 Section 602 A states I have rights to privacy Pursuant 15 USC 1681 Section 604 A Section 2, it states a consumer reporting agency can not furnish an account without my written instructions. I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims & will require you to delete all of listed items above. You are required to do what I'm asking and block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice I LOOK FORWARD TO YOUR RESPONSE..
Product: Credit card or prepaid card

I was told on my statement in bold red letters to pay {$270.00} to avoid interest payment on my promotional account. I paid {$270.00} by the due date. I was then charged interest because I was told I didn't pay {$270.00} plus the minimum payment towards the card. But statement in red letters didn't say to pay {$270.00} plus the minimum payment to avoid interest. It just stated to pay the {$270.00} to avoid interest. They are unwilling to remove the charge. After XX/XX/XXXX the account will be paid in full, except for their fraudulent interest charge of {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON MY XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Product: Credit card

I have XXXX balance transfers on my US Bank credit card - XXXX due XXXX XXXX, XXXX due XXXX XXXX and XXXX due XXXX XXXX. All at 0 % so there is no highest percentage to payoff first. However, the minimum due amount goes towards the XXXX XXXX balance and the rest goes to the XXXX XXXX balance with none going towards the XXXX XXXX. How is this fair. They are paying off the one that is due longer not what is due now. I want to payoff the XXXX XXXX balance but was told that if I do that only minimum payment goes towards that balance and the rest will go to the XXXX XXXX. I have to payoff the XXXX XXXX first to payoff the XXXX XXXX. This is not fair! I do not have the money for the entire amounts just the XXXX XXXX. So when I can not pay off the XXXX XXXX balance because of the way they are allocating my payments I will have to pay accrued interest on the balance due XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to you in accordance with the Fair Credit Reporting Act to request an immediate investigation and correction of an account listed on my credit file, which I believe to be inaccurate and incomplete. 

The account in question appears to contain information that does not accurately reflect my credit history. As such, I request that you thoroughly investigate this account and take appropriate action to correct any inaccuracies. 

Furthermore, I would like to request verification of the aforementioned account. If you are unable to provide verifiable evidence supporting the accuracy of the information contained within it, I kindly ask that you correct the account without delay. Kindly assisst me to correct this account : OAG XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THAT INQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSED I RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIRE FROM XXXX XXXX XXXX XXXX ON XXXX. PLEASE DELETE THIS INQUIRES. I HAVE NEVER HAD A XXXX XXXX ACCOUNT
Product: Mortgage

I initiated a jumbo loan with XXXX XXXX for {$630000.00} in XX/XX/XXXX. My first payment was due on XX/XX/XXXX, with a payment amount of {$3700.00}, of which {$520.00} was allocated towards escrow. I made the XXXX payment on XXXX and included {$300.00} extra towards principle. I made the XXXX payment on XXXX and included {$200.00} extra towards principle. And I made the XXXX payment on XXXX and included {$200.00} extra towards principle. 

On XX/XX/XXXX, I received via US Mail a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX that indicated XXXX had purchased my loan from XXXX and that future servicing would be handled by Shellpoint Mortgage Servicing. I was confused by this notification, as XXXX had not provided me any notification of my mortgage servicing transfer. I know that XXXX will dispute this and claim that they did send me notification. Once they do so, I will provide the mortgage statement I received from XXXX after making my XXXX payment indicating that my next payment was due to XXXX on XX/XX/XXXX. 

I was confused when I received this letter from XXXX and immediately reached out to them. I left three message on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I called Shellpoint Mortgage Servicing on XX/XX/XXXX and spoke to XXXX XXXX - she indicated XXXX had no record of my mortgage and could not find it by my property address, loan number or last four of my SSN. I continued to leave messages at XXXX looking for answers. I also called XXXX to find out who was servicing my loan and where I needed to make the XXXX payment. I ended up speaking with XXXX XXXX at XXXX and XXXX XXXX at XXXX and they agreed to resolve the issue so that my XXXX payment situation was clarified. 

As we moved into XXXX, no information was being provided to me by XXXX, XXXX or Shellpoint. But then, after XXXX XXXX, Shellpoint began contacting me via phone about my payment. 

On XXXX XXXX, I made the XXXX payment to Shellpoint. Just like I had done the XXXX previous months, I included an extra principle within the payment. However, once I was able to log on to the Shellpoint website, I discovered that Shellpoint/XXXX  had not properly credited me for the extra principle payments and my escrow payments upon transfer to Shellpoint. Per the XXXX Shellpoint statement, Shellpoint provided the extra principle payments XXXX provided to them back to XXXX, the holder of the loan. 

Shellpoint is in their first month of servicing my mortgage and has already demonstrated a high degree of incompetency. I called Shellpoint on XX/XX/XXXX and registered a formal complaint with management about their failure to properly credit my extra principle and escrow for this account. I was told I would receive a call within 24 - 48 hours. That time elapsed and Shellpoint failed to call me and provide an update. I called in to stimulate some activity on XXXX and they again advised that I would be contacted within 24 - 48 hours. That is unacceptable. This company needs to be held accountable for their behavior and the servicing of these loans.
Product: Mortgage

I submitted a complaint to you, the company sent a response and CFPB closed the matter. Unfortunately, the response was not accurate, there is no way to contact the person who sent the response. In my opinion this company as sending fraudulent information to you. I would like the opportunity to submit documentation as proof. The company mis-handled my escrow account, allowed my hazard insurance to lapse, paid my property taxes when they were not supposed to ( they were not late ) and as a result increased my house payment to cover their errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my transunion credit report that was not initiated by myself. I did some digging and found out that my XXXX yr old son tried opening accounts to get gaming systems and smartphones. He expressed that the sites stated that he was not old enough to open accounts himself and thats when he decided to use my information, some of which he explained to me was made up because he didn't know. so there's no way they could've actually verified the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified from this company to send in my proof of identity theft to this address XXXX XXXX XXXX XXXX, UT XXXX. 

I have done so twice as well as waited the required amount of time by law. 

This company fails to investigate my alleged debt as well as notifying me of any investigation information or results. They continue to fail to provide any proof of ownership for their allegedly debt against me. 

Documenting all this information for further litigation.
Product: Debt collection

On XX/XX/2020 at about XXXX RMP LLC contacted me about several medical debt did not properly verify before disclosing HIPPA info also refused a verbal request for VOD. Stated the VOD is the same as requesting a bill and it can only be request in writing. Refused to send VOD because nothing have been place in there office in the last 30day.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me.

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : 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 I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : 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  I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I sent a {$900.00} wire for a product XXXX XXXX, I realized I got scammed XXXX XXXX when the merchant requested {$4000.00} more dollars from me. I filed a dispute I told Captial one I had all the proof and documents they needed they said if they needed info they would contact me days later they denied my dispute, I tried to call and re file with the proper doucments but they refused to take it, they been giving me the run around, giving me wrong claim numbers since I filed the claim. It's been a total nightmare!
Product: Credit card

I submitted a cell phone protection claim as the card benefit from the Chase Freedom XXXX card on chasecardbenefits.com and got a denial for the case on XX/XX/year>. I believe that the adjudicator made a mistake and did not follow the guidance correctly or misunderstood the terms. However, I can not get in touch with the adjudicator after multiple attempts. The case number is XXXX. 

According to the letter, the reason for denial is : cell phones which have been rented, borrowed, or are part of prepaid or pay as you go plans. 

I also submitted proof that I purchased the phone in full directly from XXXX XXXX. So, the phone is not rented, borrowed, or a part of a prepaid or pay as you go plan. 

Subsequently, I contacted the customs service and requested a callback from the adjudicator. The customs service suggested that I would get a call from the adjudicator within 2 days. However, I did not get any call after 2 days. I contacted the customs service again but still did not get any call after another 2 days.

The customs service also suggested that the phone can not be on a prepaid plan in order to get covered. However, this is not specified in the benefit guidance ( attached PDF and a screenshot on chase.com ). 

The pdf guidance exclusion criteria said, " XXXX XXXX XXXX  that are received as part of a pre-paid plan. '' Together with the description on chase.com " cell phones which have been rented, borrowed, or are part of prepaid or 'pay as you go " plans '', it is clear that the phone can not be subsidized by pre-paid service but has nothing to do with the service plan that the phone is using. 

Indeed, there are multiple prior cases on the internet where phone protection claims on the pre-paid plan were approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft.The information appears on my credit report does not relate to any transaction ( s ) that i have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Transunion for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unverifiable information on my credit report. Despite my repeated disputes, they have not properly investigated or removed the incorrect account, violating my rights as a consumer. 
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Type : Collection Balance : {$280.00} Payment Status : Collection/Chargeoff Last Reported : ( Varies - discrepancy present ) Date Last Active : ( Varies - discrepancy present ) Violation : The credit bureau has failed to ensure the accuracy of the reported information and has refused to delete an unverifiable account as required under the FCRA. 
Failure to Comply : As per Section 1681e ( b ) and Section 1681i of the FCRA, credit bureaus are required to maintain accurate reporting and conduct a thorough dispute investigation within 30 days. The bureau in question has failed to uphold these obligations. 
Under Section 1681e ( b ) of the FCRA, the credit bureaus are required to ensure the accuracy of reported information. Since the discrepancies violate FCRA regulations, I demand that this account be deleted from my credit report, not merely updated. 
As per Section 1681i of the FCRA, there is an obligation to investigate and resolve disputes within 30 days. If this information can not be accurately verified, it must be removed from my credit file immediately. 
I have disputed this account multiple times and requested its complete deletion from my credit report due to inaccuracies and inconsistencies. However, they have yet to take appropriate action. Their failure to remove inaccurate data has negatively impacted my creditworthiness and financial well-being. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold this credit bureau accountable for their failure to comply with federal regulations. Enclosed are supporting documents, including copies of my dispute letters and credit reports, to substantiate my complaint. 
I appreciate your attention to this urgent matter and look forward to your response regarding corrective actions to be taken for their non-compliance. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copies of my credit report from the 2 of the major XXXXredit Reporting Agencies XXXX Experian and XXXX XXXX XXXX. There were XXXX XXXX XXXX XXXX Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the attached, the Bankruptcy Courts emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. In this case, they claim to have validated this information through XXXX XXXX. However, per the XXXX attachment, I have a security freeze on my XXXX XXXX account which makes it impossible to validate that this information is correct. I have asked XXXX XXXX to remove this derogatory information from my credit file, yet they have refused. Considering the information indicates a Fair Credit Reporting Act violation, I need all XXXX information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I do not reconigze this credit inquires in my credit report i have asked them to be removed. I am attachig a FTC complain to support this complain.
Product: Credit card or prepaid card

I have been a Bank of America Customer for over 15 years. In the past three years I was charged fees that amount over {$1100.00} for the amount that was not paid in full even though I was paying more than double the minimum monthly payment. i asked for fee reduction but was not successful. 
Finally I was able to arrange funds and paid the amount in full on XX/XX/XXXX I paid {$19000.00}. The debt balance was {$19000.00} XXXX but I added the pending charges and paid it in full. on XX/XX/XXXX the bank charged me {$200.00} in fees. Even though the balance was XXXX. I reached out online ( XXXX from VA ) and spoke on the phone with XXXX ( ID XXXX from Texas ). They gave me conflicting statement why i was charged. I am reaching out to dispute these charges especially when other institution are helping Bank of America is using mall practising their business. 
XXXX
Product: Debt collection

I forwarded the following with all attachments of payments to this debt collector but I am still getting contacted. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, 2016 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number ending in XXXX To Whom it May Concern : I have received your bill in the amount of {$3900.00} regarding a collection for the Costco Anywhere Visa Account. I have paid this bill in full to CitiBank on XXXX XXXX in the amount of XXXX with the following confirmation number : XXXX. I no longer owe any debt to Citi bank. 

Please check your records and correct my account. Also, please do not send me any more bills or call me until this matter is settled. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, 2016
Product: Credit reporting or other personal consumer reports

All requests submitted i am requesting an expedition to all credit reporting agencies for willfully neglecting of behavior on a consistent basis as I have been facing this dispute over many years They have failed to update disputes that were challenged in the they've had failed to report it and they have also brought back things that were already deleted back onto my report I will not honor the request exceeded 60 days I need this to be done expedited as my rightletter attached