23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/year> - CREDENCE RESOURCE MANAGEMENT - XXXX THEY CALLED STATING I OWE {$2000.00}, I INFORMED AGENT IT WASNT MY ACCOUNT AND I AM A VICTIM OF ID THEFT AND STATED THEY NEEDED TO REMOVE OFF OF MY PROFILE. AND THEY CONTINUED TO CALL ME.
Product: Mortgage

I have researched my records and I am showing my last payment was over 7 years ago and this should no longer be reporting on my credit. It appears they are using a close date and not a last payment date. I am requesting a copy of the last payment ( XXXX XXXX ) they have record of.
Product: Credit reporting or other personal consumer reports

Company ( XXXX XXXX ) has not reported my payments since XX/XX/XXXX per conversation with Equifax representative on XX/XX/XXXX. This representative hung up on me because she didnt want to answer my question as well. 

Account is paid in full since XXXX week of XXXX. 

Account is closed, recieved title and {$2.00} check from company. 

Disputed with Equifax on XX/XX/XXXX, results came in XX/XX/XXXX. No update to paid in full account. Resubmitted XX/XX/XXXX. 

Equifax updated payment history back in XX/XX/XXXX but did not add paid in full, remove balance and add last payment. 

Reporting my account in good standing for XXXX, XXXX and XXXX stating normal payment was made. 

Thats fraud because they should of received a ledger from company showing my last payment of full balance. 

This bureau allows fraudulent companies to report. I have added the consumer affairs review page for this company to show their fraudulent ways. Equifax helps them to do this. 

https : XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX and XXXX I made my XX/XX/XXXX payment. for a total of XXXX for a mortgage loan monthly amount ofXXXXThis was literally a typo error. as soon as i was notified i paid more than the amount and the late fee. they never tried to contact me in the month of XXXX by phone, nor did they send correspondence till it was to late. I am, and have been ahead on my loan for years. I made an error and the company policy for Shellpoint mortgage is to report as late 30 days even if you are short 1 . the only reason a company would do this is to keep your credit score low so you will not be able to change companies. The company will not speak to me about the issue with a person who can help. They refuse to report the payment as partial, it only shows as a 100 % late and has caused me, and my business from getting loans.
Product: Debt collection

I am writing to dispute a account fraudulently opened in my name. I am a victim of identity theft and did not open this account # XXXX with Security Credit Services. I am not responsible for any payments for this account XXXX. I have no business with Security Credit Services. Security Credit Services is " third-party debt collector ''. I do not have a loan or contract with Security Credit Services or owe a debt to Security. Security Credit Services is attempting to collect a debt on the basis of fraud. Security Credit Services decided to ignore my demands for Validation with Notice and Demand to Cease and Desist Over the past several months, I have tried to resolve this issue on XX/XX/2021 letter to CEO but to no avail, refusal. Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) XXXX copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with Security Credit Services of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I request that you immediately CEASE and DESIST all actions with me. Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all actions with me. With this notice, under the law, you can now only contact me to : To advise me that your company 's further efforts are being terminated ; To notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or Where applicable, to notify me that your company intends to invoke a specified remedy.unjust enrichment, fraud on the homeowners and consumer. Security Credit Services actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is Dishonor in commerce, Fraud, Conspiracy, and Racketeering.I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to Security Credit Services. I have attempted to resolve this matter formally before filing a complaint and lawsuit!
Product: Credit reporting or other personal consumer reports

There is information of a credit card that is closed on all three of my credit reports for a XXXX XXXX XXXX XXXX XXXX 
I was a victim of identity theft and would like the account removed from all three bureaus
Product: Credit card

Received a letter dated XX/XX/ regarding an application for a U.S. Bank Credit Card that was denied. I did not apply for this credit card.
Product: Mortgage

My home was damaged by a hail storm on XXXX/XXXX/2016. My insurer XXXX XXXX sent an adjustor and issued a check for {$34000.00}. The check was payable to my wife and me as joint owners and Roundpoint Mortgage Servicing Company who services the mortgage on the property. Round point required we endorse the check and send it to them along with a long list of documents. Having no choice even though we anticipated trouble, we endorsed the check and sent it to them with many documents. The work is now complete and the contractors have been paid. We have sent Roundpoint a copy of the insurance adjustors report, notarized affidavits from both the roofing and the painting contractors affirming the existence of a contract and waiving their rights to liens on the property, XXXX for both contractors, quotes for the work from both contractors, and paid invoices for both contractors. Nonetheless Roundpoint refuses to release the funds. I am sufficiently upset with them that I will pay off the mortgage when this issue is resolved and have asked them to apply the funds in question to my outstanding balance. They have refused to do that as well. The whole problem smacks of a scam to hold the money interest free for as long as they can. Their requirements are completely unreasonable. Anything you can do to get these funds released will be much appreciated. Round point 's address is XXXX. XXXX XXXX, XXXX, NC XXXX. Phone number is XXXX. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate and verify accounts in my consumer credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX Reference number - XXXX Record type Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Reference number XXXX XXXX Record type Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block FCRA 611 ( 15 U.S.C. 1681 ) 28 U.S. Code 1452
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 
XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft and data breach. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting the immediate blocking and deletion of all fraudulent accounts and inquiries associated with my credit file. 
The following accounts have been identified as fraudulent : 1. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} 2. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Additionally, I am disputing the following unauthorized inquiry : DEPT OF ED Date of Inquiry : XX/XX/XXXX
Product: Student loan

I attended XXXX XXXX XXXX in XXXX, PA from XXXX through XXXX ; when I graduated. The original loan was with Sallie Mae and consolidated as of XXXX. I have been on multiple Forbearances and Deferments since the time I graduated. I am not sure if I am being fairly charged for interest and/or other fees ; based on the Payment History attached to this complaint. 

To date, the balance owed is {$48000.00} ; for 2 consolidated loans. With the amount of interest, late fees, forbearances and deferments being applied. I feel as though I will owe this Student Loan forever. I tried making payments, but my financial situation is not the best, and I can not afford payments of over {$200.00} per month. 

I am currently unemployed, and currently on Forbearance-which was approved before I lost my job. I just want to make sure, Navient is not trying to price gouge and make money off of me unnecessarily.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 2 collection accounts being reported on my credit file incorrectly. I requested an investigation be done by the 3 credit bureaus XXXX, XXXX, Experian. I also contacted the alleged collection companies who were making a claim that these debts were accurate and were mine. I requested valid proof that these accounts belonged to me and that I had a legal obligation to pay them said alleged monies. One of companys since then has closed one of the accounts and stopped reporting to XXXX. The other alleged collection company has stopped reporting to the the 3 credit Bureas but still continue to harass me without providing any valid proof that these accounts are mine and I would like these false claims deleted from the 3 Credit Bureas and from my credit file permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in 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/block any items 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 XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX US DEPT OF ED/XXXX  XXXX ... XXXX {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : {$2200.00} ; XXXX XXXX .... Balance : - ; XXXX XXXX XXXX ... XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$670.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$7300.00} ; XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXXXX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XX/XX/2021 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 from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I encountered a billing error and never received the correct billing statement, which caused confusion about the payment due date. Additionally, the late payments notices arrived after I had already made the payment. 
There was also a clerical error where my payment was applied to the wrong account, causing a delay in processing. 
I provided bank statements, payment confirmations, and proof of the communication with the creditor where these errors were acknowledged. Despite providing this evidence, the late payment was incorrectly recorded on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All these accounts 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 with 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 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 A VICTIM OF IDENTITY THEFT. H & R ACCOUNT INC
Product: Money transfer, virtual currency, or money service

I had a Zelle account and I sent someone else money on accident and when I tried to get my funds back they said it was nothing they can do
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

See Attached Documents I have been montoring my credit reports due to multiple incedents of my information being included in several data breaches and my identity compromised over the last 4 years the last one being XXXX and I have found many many inaccuracies added to my credit report and I have attempted to fix these issues through the dispute process and to no avail Experian has not investigated my request or fix the inaccuracies I am requesting the CFPB to step in and demand these inaccuracies to be corrected immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX says I owe {$1300.00} dollars to them but I do not owe them anything. They have been sending me letters an I dont know why. They say the account was opened on XXXX XXXX but I defer.
Product: Debt collection

I had previously filed a complaint for this same debt as identity theft with a collection company named XXXX XXXX XXXX. It appears they had already reassigned this debt to Credence for a debt related to XXXX XXXX. I have never had XXXX XXXX. There was a fraudulent address tied to my credit reports of XXXX XXXX XXXX, XXXX, NJ XXXX that I have already had resolved with the credit bureaus. I also had 2 other attempts at opening credit in my name also. The amount in question is the same as was being claimed by XXXX XXXX XXXX. I have received communications from Credence after submitting a dispute with XXXX due to the company putting a collection on my report. I would hope that this company is not just going to sell it to another where I have to go through this whole process again and again.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX Balance {$0.00} NAVY FCU XXXX XXXX {$2600.00} NAVY FCU XXXX Balance {$4000.00} NAVY FCU XXXX Balance {$2600.00} NAVY FCU XXXX Balance {$4000.00} XXXX XXXX Balance {$1000.00}
Product: Vehicle loan or lease

I attempted to purchase a vehicle at a XXXX dealer ( XXXX XXXX ) the dealer gave me a price of {$21000.00} then when I asked to add a tonneau cover, they offered for additional {$290.00}. I also was told the cover would come within a week and then the price was {$21000.00}. This was XX/XX/22. I was told teh cover would be in after a week and installed for free. I never got a copy of the paper or a key or etc. I then received paperwork from JP Morgan Chase with a price of {$22000.00}. Plus, no notice of my {$2000.00} down payment or deposit payment for the vehicle. Now I am being charged by Chase bank monthly and decreasing my credit while charging me late payments. I also do not still have the vehicle as it never received a tonneau cover and the deal is considered fraud. Because I was never supplied with the vehicle, copy of original contract or etc, and the service wanted to complete the order. I also realized the dealer price gouged the total price of the vehicle as well and changed it along with fraudalantly signing my signature on random papers. Which I did not sign. ( XXXX XXXX XXXX of XXXX bend and JP Morgan Chase )
Product: Credit reporting or other personal consumer reports

Jefferson Capital system is saying I owe them I never heard of or did business with this company an has damaged my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  is reporting erroneous and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/2022 with Cease and Desist Letter and has yet to respond. XXXX is reporting false and erroneous information to credit bureaus and others and violating my rights to privacy. This company was contacted on XX/XX/XXXX, with Cease and Desist Letter and has yet to respond. In accordance with the Fair Credit Reporting Act, these companies are violating my rights : 15 USC 1681 602A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish account without written authorization
Product: Credit reporting or other personal consumer reports

I am refilling this complaint to JPMCB CARD for allowing fraudulent accounts on my credit report and for no corrective actions taken on these fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.