23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My HELOC was transferred from XXXX XXXX XXXXXXXX to Shellpoint on XX/XX/year>. Since XX/XX/year>, Shellpoint has been difficult to work with so I tried to payoff the loan XX/XX/year> to avoid their inconsistencies in monthly payments. I have been trying to dispute the payoff amount with Shellpoint since XX/XX/year> with Shellpoint directly and since XX/XX/year> through the XXXX XXXX XXXX. To date, Shellpoint still can not document accumulated accrued interest they think I owe of {$910.00}. They will just simply state it is due. I have pointed out to them that The Truth in Lending Act ( TILA ), 15 USC 1601 et seq. provides me the right to demand the documentation and they still have not provided it. I have continuously wrote them letters and requested the documentation and I even provided them with documentation that I do not owe that interest. I have attached the XXXX XXXX XXXX log of activities and the latest letter I wrote to Shellpoint with documentation that I do not owe accumulated accrued interest and that {$910.00} should be returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXXXXXX XXXX XXXXXXXX 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 or other personal consumer reports

The XXXX XXXX XXXX did not investigate anything. I also showed them proof that it was not me and they still didnt remove The inquiries after I told them it was not me. I asked them nicely to investigate. I wrote them letters and they did nothing Under the stipulations of 15 US Code 1681 ( XXXX ) ( B ) ( XXXX ), it is mandated that consumer reporting agencies ( namely XXXX, XXXX, and XXXX ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. 
This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report
Product: Credit card or prepaid card

Back in XX/XX/2019 a company called XXXX charged my credit card for {$230.00} without my consent. I had done business with them before but they were not authorized to to charge anything else on my card. They did and I immediately disputed the charge with CHASE. I explained to CHASE the situation and they promised they would look into it and handle it. I was told to provide information multiple times regarding what was charged and why I was disputing it. I did that and even called CHASE multiple times to explain why it was not a valid charge. They contacted the merchant who not only provided them with doctored emails but also claimed to have mailed a product to me that I NEVER received. I did not receive or activate a new device that XXXX claims to have provided me. Nor did I ever request it. CHASE sent me a letter claiming it was a valid charge even though it was not. So again I disputed it and they told me to send additional documentation which I did. At that point I asked for a Supervisor ( which recorded conversations will prove I was told one would call me back ) yet for 2 weeks no one did. Then I receive another letter saying again the case was closed. When I confronted CHASE of why a Supervisor did not call me they lied and said no notes where in the system when I know the phone conversation is recorded and happened. They failed to gather all the information, they consistently lied, and took the word of the merchant who sent them doctored documents. That is plain fraud. They did not protect me in this situation as consumer and so I have no choice but to file a complaint and escalate this to look into their practices and also have this charge disputed and off my bill. They brought this on themselves for the way they handled the situation.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to request the removal of a bankruptcy entry currently listed on my credit report. Upon review, I discovered that this bankruptcy was not reported by the courthouse to my credit file, and I believe it may have been inaccurately added to my report. 

The bankruptcy in question is listed under the following details : Bankruptcy Date : XX/XX/XXXX and XX/XX/XXXX I kindly request that you investigate this matter and, based on the fact that the courthouse did not report this bankruptcy, remove the entry from my credit file immediately. I disputed this and the credit companies haven't removed them. 

If you require any additional information or documentation from me to assist with your investigation, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

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

I am writing to follow up on my previous dispute regarding the negative items listed on my credit report, which I firmly believe are incorrect and unverified. Despite my efforts to rectify this matter, I am disappointed that these erroneous entries have not been addressed or removed from my credit report.
Product: Credit card

On XX/XX/2023, I went to Capital Ones website to apply for a credit card for personal, family, and household purposes. I provided my personal information and my social security card # ( or credit card pursuant to the Truth in Lending Act/Regulation Z ) which allows me to extend my credit to the company to obtain financing for personal, family, and/or household purposes. The attached document shows the definition of credit in the Federal Code of Regulations, any violation of this code constitutes fraud and illegal activity ; which this company would be responsible for civil and/or criminal liability for violating any of my federally protected rights as the consumer in this transaction. After submitting my information on the credit application, which Capital One accepted and proceeded to pull my consumer reports. Capital One then denied my application for an extension of my credit on the basis of me having an existing account with them as well as my consumer reports. Consumer reporting agencies like XXXX, XXXX, XXXX, XXXX and others have an extensive history of having inaccurate reporting, this is proven by their many data breaches and complaints on the CFPB. Which is why the Fair Credit Reporting Act was created. The credit score is a made up number based on inaccurate information that is being reported on consumers, without their consent, which violates their privacy. This company can not use a credit history or a consumer report to deny me access to an extension my own credit pursuant to Truth in Lending Act without offering a counter offer. According to the Equal Credit Opportunity Act, a company can not deny a consumer access to credit for any discriminatory reason. It states that Credit is a right, which can not be taken away for any reason when a consumer extends their credit card ( or social security # ) in good faith to obtain financing for personal, family, or household uses. In using my credit history or consumer reporting as a basis to deny me my right to credit, Capital One is violating my federally protected right credit as the consumer in this transaction.
Product: Credit card

On XX/XX/year> I report a login issue with company website. My legal name was changed of email for log in & I can not log into the company 's website to access finances.
Product: Credit card or prepaid card

I found employment on XXXX with a company name XXXX XXXX XXXX XXXX. As a XXXX XXXX. I was advised that I would be doing training and exams for a whole month XXXX. During that time I received reading material and tests via email. 
On XX/XX/XXXX, I was assigned a purchase order, were XXXX deposit money on two of my credit cards XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, a total of US {$7000.00}. One of my credit cards was paid US {$4600.00} and the other credit card US {$2300.00}. 
After receiving the payment and saw that it was showing on my account I decided to verify with my bank, JP Chase Morgan, that everything was good with my payment. I called my bank on XX/XX/XXXX around XXXX XXXX and one of their representatives told me the money and the transaction was in good statement that I can proceed. 
After verifying with my bank and they said to proceed with the purchase I went and fulfilled the purchase order and send it where I was ordered to. 
Three days later ,XX/XX/XXXX, I noticed that the money was removed from my credit cards account leaving me with the debt of the purchase order amount {$6400.00} plus {$400.00} that I was supposed to get paid for the time. 
After seeing this I was very concerned and called my bank because the ONLY REASON why I did the purchase order was because my bank told me that everything was ok with the transaction, I trusted them since I was with Chase Bank since XXXX. 
I got scammed because I trust my bank and now they, Chase, want to make me responsible for an amount of money that I didnt used and instead of they try to help me they decided to close all my credit cards including my business account as well, when I have always been a good customer of than and never had a late payment or any type of issues. 
I made a police report, the case number is XXXX.
Product: Credit card or prepaid card

My personnal information was used open an Exchange Military Star Card account on XXXX XX/XX/2020.
Product: Debt collection

I had to leave my apartment 2 weeks before the lease expired. I spoke with the manager XXXX XXXX who asked to see the XXXX and the XXXX communication. When that was provided. I went to the office and she stated that long as I was out by XX/XX/2019 there would be no charges against me and that my daughter would need to drop off the keys and amenity band. We also did that. She even suggested how I should stage the apartment to get out. Now a year later the debt is in my credit and when you call the complex the management company is no longer and they send you on a wild goose chase. I dont owe any money to this apartment as they kept many items of mine including a brand new washer and dryer and queen size bed. My rent was only {$1000.00}. How they are trying to collect {$3600.00} I have no idea.
Product: Mortgage

USAA Federal Savings Bank agreed to a settlement with XXXX XXXX, our primary lender in a letter dated XXXX/XXXX/XXXX ( attached ) to do a DIL on our home. USAA agreed to accept a settlement from us in addition to a settlement offer from XXXX XXXX ; this letter from USAA had a suspense of XXXX/XXXX/XXXX. We vacated the home on the agreed upon date of XXXX/XXXX/XXXX and have not had access since as the locks were changed. 

On XXXX/XXXX/XXXX we sent our check to USAA which was cashed by them on XXXX/XXXX/XXXX. XXXX XXXX sent their check to USAA which was received by them on XXXX/XXXX/XXXX, four days past the original suspense which has caused some confusion. NOTE : USAA cashed the check from XXXX in addition to our check. 

Our lawyer representing us has contacted USAA almost weekly since XX/XX/XXXX and has been told the loan release is being worked and they will get back to us within 48 hours. It is now almost four months since USAA has been paid but they have still not sent a release to XXXX so we can completed this DIL.
Product: Credit reporting or other personal consumer reports

Below is the mail notice sent to XXXX XXXX XXXX on XXXX XXXX This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact XXXX  parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX  years of imprisonment, in addition to civil liability. 

By obtaining my TRANSUNION consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than XXXX  years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Debt collection

We represent an elderly, isolated senior of limited financial means. On her behalf, we sent a letter to this creditor requesting no further contact of any kind. Although the creditor received this letter requesting no further communication ( as evidenced by the creditor now sending communications to our client at our address ), the creditor continues to send our client monthly statements. By continuing to communicate with our client after receiving her request for no further communication, the creditor is violating Section 805 ( c ) of the Fair Debt Collection Practices Act
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. There are accounts with XXXX, XXXX, and Experian opened on my account that arent mine.
Product: Credit reporting or other personal consumer reports

I never gave XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports 1. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I sent them a letter and they did not respond or delete.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I did not authorize this account. I am a victim of identity theft. I sent XXXX, XXXX, and TransUnion my FTC report along with my License.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 some falsely tried to acquire credit under my name through synchrony bank/ amazon I notified the credit bureau and i just got off the phone with a synchrony bank fraud agent name XXXX who was very incompetent and push me off to someone else who did not get on the phone I'm still waiting as I write this complaint it been 20 min now. this inquiry effects my credit and my future and I wish they take the frudlent situation more seriously. this is very disappointing that i have to keep calling a filing complaints monthly.
Product: Checking or savings account

I called in and ask them what bank and account number to the check was cashed into and they would not give me an answer which is something that the bank would have. They are not providing me with any Bank information which is pertinent to knowing who took the money out of the account and where the money went into
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This account was paid off In XX/XX/2017. Since then I have been contacted by Three different  collection agencies regarding this bill. I do not owe this, I've been asked to provide proof, but in the last 3 years I have had someone stolen my identity and no longer keep personal information on hand. Since then I have had them contact me and then they started calling my mother who had nothing to do with this account. I felt violated and embarrassed that my family was now involved in a matter that is wrong. They have contacted her more then once and I finally called them back to stop calling her, when I spoke to her she started getting rude and telling me to pay up. I do not owe this amount and I wish they would correct this. Since my identity has been compromised in the past I feel that is is going to reoccur since my information is being bounce from company to company on a debt that I do not owe. I've been contacted by the following companies over a bill I do not owe. 

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

I sent a letter on XX/XX/XXXX, to Experian to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company name is Southwest Credit Systems LP. It says they are collecting on a loan. Have no knowledge of the company or loan. It was reported to my XXXX credit account on XX/XX/XXXX. I am also disputing this with XXXX. I filed a dispute with them on XX/XX/XXXX. The information is inaccurate and misleading. And, again I have no knowledge of this loan account or company, which the loan came in existence. My credit report from XXXX listed this loan account was opened on XX/XX/XXXX. It doesn't have the Loan Company listed. Just the Collections listed : Southwest Credit Systems LP. I would like company to be investigated as well removed from my credit report. Also, I would like for my Identity to be investigated as well. I feel my Identity has been stolen. Due to a security breach involving XXXX XXXX. I was employee there and they sent me a letter out saying that they have been breached by a hacker and this happened in XXXX. I believe, I will have to double check that information. My information was leaked and I did get identity theft security for a whole year free from that company that was over XXXX tree 's security team. But now the the time is up and that's when I found out about this collection or loan on my Credit report. I have no knowledge of this account. I am looking forward to help from you all thank you.
Product: Debt collection

got a letter from a lawyer mitchell d bluhm & assoc. for XXXX dollars i have medical insurance shouldnt be payimg anything have medical assitance sent that back with bill with insurance information thought it was taken care of since i never heard back from hospital
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and disappointment regarding the ongoing issue of fraudulent items persisting on my account. Despite my repeated attempts to rectify this matter, I am dismayed to find myself addressing it for the fourth time. Despite my efforts and the assurances I have received, the fraudulent items persist, causing me undue stress and financial hardship. The continued failure to address this issue reflects poorly on your company 's integrity and commitment to customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem remains unresolved, eroding my trust in your organization. I demand immediate and decisive action to rectify this situation. I insist that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. Furthermore, I expect a formal apology for the inconvenience, frustration, and financial harm caused by this negligence. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance : {$9000.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$720.00} ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year>.