23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

These people have been harassing me multiple times daily. I have 6 calls from them on XX/XX/2021 all before XXXX. They call me late at night. I repeatedly spoken with them and told them to stop contacting me because I am going through a legal process with the creditor they're claiming this debt is owed to. I have an upcoming court hearing this month for this matter. She would not identify who she was and was asking me to verify my information before she would tell me where she was calling from. Very rude!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I received a notification from my XXXX  Credit Bureau that New Rez llc d/b/a Shellpoint mortgage services reported on my credit that I have a delinquent mortgage loan account. 

on XX/XX/XXXX I received a notification from my XXXX  Credit Bureau that New Rez llc d/b/a Shellpoint mortgage services reported on my credit that I have a delinquent mortgage loan account. 

on on XX/XX/XXXX I received a notification from my XXXX  Credit Bureau that New Rez llc d/b/a Shellpoint mortgage services reported on my credit that I have a delinquent mortgage loan account. 
I contacted XXXX  on XX/XX/XXXX and they advised that Shellpoint Mortgage reported that 1st Delinquency XX/XX/XXXX, which per FCRA and FDCPA it will remain 7 years after reporting of 1st delinquency till XX/XX/XXXX. 
This account is an old account, it is delinquent and 1st Delinquency date is XX/XX/XXXX. Also this Account was filed in court and dismissed. The court documents filed shows that 1st Delinquency was XX/XX/XXXX. 
I disputed all credit bureau reports, I explained what I noted above, the results came from Shellpoint Mortgage services with barely no change. They did not remove it from my report I sent a letter to Shellpoint Mortgage Services explaining the same. No response. However they updated my reports as I noted above. 
They are in violation of the FCRA and FDCPA. It is affecting my life and my credit worthiness. I have a score of XXXX average before this inaccurate reporting by Shellpoint and now I have XXXX average.
Product: Debt collection

Portfolio Recovery is attempting to collect an alleged debt not due. Portfolio Recovery has no contract between I and them to enforce performance. The original creditor of the account has accepted settlement of the debt.
Product: Credit card or prepaid card

I have three checking accounts, one savings account and two credit cards with capital one. I am currently overseas. First week of XXXX I could not login to my online account because it kept saying to verify a code sent to my US phone number. My US phone number would not work here overseas. Capital One 360 manager said I can't login to my online account until I come back to USA and confirm the text code. I called again. This time the manager from 360 account transferred the call to the security team. The operator from the security team said that if she can verify me manually there should not be any issues for me to login to my account. She sent me a secured link to upload my driver license and she confirmed that I have been successfully verified and sent me a temporary password and I was again able to login and reset my password. Few weeks later it stopped me again from logging in, again same issue asking me to confirm the text code sent to my US phone number. I again called capital one and the female operator from the security team again sends me the same link to upload my driver license and says I have been successfully verified. She said she will transfer the call to a manager at 360 and said the manager would now be able to give me access to my online account because she has been able to fully verify me already. So the call was transferred. The 360 manager said I can't get access to my online account. I told her that the operator from the security team just now verified me but she was adamant that she would not give me access to my online account. What kind of harassment is this!? I called capital one a number of times after that but everyone said I would not get access to my online account. I told them that on XXXX XXXX the security team member did give me access to my online account after verifying me manually. But this time they were all adamant that no online access for me whatsoever. One manager said if I keep travelling, 360 account is not for me, he said capital one is a local bank and not meant for people who keeps travelling every now and then. I couldn't believe my own ears, a manager at 360 telling me that. This was the most absurd and ridiculous thing I have ever come across with my banking in my whole entire life - you go overseas, you lose access to your online account. This must be a Capital One speciality. 

Since I don't have access to my online account, I decided to place a temporary lock on my credit cards for safety. The manger from the credit card team confirmed me on the phone that he has placed a temporary lock on both my credit cards but refused to confirm that to me in writing. 

It's my fault I opened an account with Capital One. I am not worried about my checking accounts and savings account no more because I have transfered out all my money and I would never bank with capital one ever again. Lesson learnt. 

But I can't close my credit cards and so I would still need online access for my credit cards. I would also require a written confirmation that both my credit cards have no balance owing in them and both are temporary locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a dispute with each of the major credit reporting agencies over 2 months ago without any resolution or response from any.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns regarding Zelle handle disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The Cfpbs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent certified letters in more than a year ago and I havent received any response from your company. It shows that your company isnt professional. A business that is professional and doing the right thing will respond in any circumstance. This will be my last time contacting your company to resolve this issue of fraud that was done to my credit file. I am clueless as to how the fraud was done to my credit file. I am only allowing 3-5 days for this matter to get resolve and I am disputing the fraudulent accounts as an internal dispute which means you have a total of 3 days to be exact. This is not a threat its just my credit file has been leaked in several breaches and its your job to investigate how something this fraudulent was placed on my credit file. According to section 609 611 of the FCRA it is said that you must show verifiable original contracts with my signature bearing on to it also, without this you must remove this immediately and permanently. This is my final warning. I have attached a letter of the fraudulent accounts in the attachment section.
Product: Credit reporting or other personal consumer reports

I pay all my payment until I contact them to let them know the car is worth more than the loan so can we sell the car and everyone walk away with everything pay off they come pick car up sell the car and nothing from them until I see I owe them {$11000.00},
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

Delete this information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan with XXXX XXXX was under Covid forbearance for 15 months. After the forbearance period I was approved for a Covid Relief loan modification. Now that the forbearance period has ended XXXX XXXX is now reporting that I was late during the forbearance period ( 15 months ) worth of late payments. 
I can loose my job over this inaccurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I disputed an account with Experian for a new reporting from XXXX XXXX XXXX. The dispute stated that the account didn't belong to me and that it belonged to a business. I provided the documentation that shows it belong to a business and not me along with the letter to XXXX XXXX XXXX of my request for validation that the account belonged to me. Neither company Experian or XXXX XXXX XXXX provided proof that the account belonged to me and my responsibility. 

On XX/XX/2021, Experian alerted me that my dispute was complete and that the information was verified and the account was updated ; however, they provided nothing to say how it was verified and how they determined that the information was justified to be my responsibility. Attached is the information that I uploaded to the dispute and the information that XXXX XXXX XXXX tried to use a verification it belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There several items reporting inaccurately on my credit file : Incorrect Personal Information : I never lived at XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Incorrect Status : I was never late on XXXX Open Date : XX/XX/XXXX. Please remove late. ( XXXX  ) I was never late on XXXX XXXX XXXX ; Open Date : XX/XX/XXXX. Please remove late. ( XXXX  ) Fraudulent Account or Identity Theft Items : XXXX XXXX - Open Date : XX/XX/XXXX Bal : {$1900.00} ( TU )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 


XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX Account Number:XXXXPlease investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Account Name : XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Account Name : XXXX XXXX Account Number:XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Credit card or prepaid card

In XXXX of 2021 I was charged an annual fee by Bank of America XXXX  XXXX  XXXX  XXXX. I never received a statement in the mail or email, and because I dont use this card I dont have autopay set up. It wasnt until three months later when I went to close the account that I realized Id been late making this payment and now have a delinquency. I tried to dispute the late penalty with the company but they told me to contact the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two XXXX XXXX accounts as open on my credit report. These account do not belong to me.
Product: Credit reporting or other personal consumer reports

First Progress bank reported me to the XXXX credit bureaus a 30 day late.Uploaded documentation is the payments I paid and was confirmed by email from First Progress ( in uploads ) .They said it was in XXXXThey claimed I put in the wrong account number, I auto filled it and I would NOT have got a confirmation email had I put in the wrong account number, not only that they would have notified me the first time if the payment did not go through.I then had to mail in the payments and they changed there entire mailing address without even notifying me, this was done in XXXXThis change made it to were my payment was not received until the mail was forwarded.Thus making it late.Uploaded is the confirmation of payments made and they reversed them, I checked my bank statement and it WASNT for insufficient funds, also attached is entire history of activity of the account, it makes no sense for had they notified me of the payment being reversed I would have resolved the issue way before 30 days but I received confirmation email saying i paid.please help, there is no way there is a 30 day late ( see attached ) on this account, only reason they are claiming there is a 30 day late is they reversed the payments and never notified me.XXXX XXXX  agrees that this is not my fault.I have been needing to refinance and I prepaid this card to improve my credit, please help.In the previous questions there were a couple questions that 2 or 3 answers would apply but they only allow one answer.I feel that this was intentionally done so I would be forced into a situation that I would have to sell my house for there are a lot of greedy investors buying up homes in my area for they hold value and are predicted to increase in value, i am bugged every day to sell my home by corporate greedy investors.I also think they did it causing they know im not good on the computer and they thought they could get over on me, I have a idea of who it is.
Product: Credit reporting or other personal consumer reports

JEFFERSON CAPITAL SYST is listed on my credit report as a collection agency that is trying to collect an alleged debt on behalf of XXXX XXXX XXXX. I contacted the original creditor, and they could not validate this debt that is reporting on my credit report. Furthermore, there was no correspondence sent to me informing me that I owed a debt and that it was being sold to a 3rd party company, so this information reporting is not credible and goes against permissible purposes. I never signed an agreement with JEFFERSON CAPITAL SYST. This company failed to provide an agreement with their company showing my signature, the forward flow agreement, a copy of my identification to verify that it is indeed my debt, or lastly a license to collect the alleged debt. I am demanding that this account is removed due to it being unverified by the original creditor. You are also furnishing different dates for the date last active which is a FCRA and FDCPA violation. I have attached an invoice for the violation upon your company. Payment is to be remitted to the address on the invoice. Both payment and deletion are requested within 30 days, or I will have no choice but to seek legal action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my XXXX consumer report : Dispute : Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 XXXX/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) Bank of America is in violation of my rights. To my knowledge, I have never had owed money to Bank of America. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from Bank of America including copies of any documentation associated with this amount owed which bears my signature. 

In the absence of such documentation, I request that this negative report be permanently removed from my XXXX report. 

I have attached documents to verify my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  report I have on my personal file a wrong address which I asked XXXX  to remove, for I have never lived at this place XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have no idea where it came from. I've never lived in California. It was posted in XX/XX/2018. 

Alos with Transunion they have a address that is not mine that address is XXXX XXXX XXXX, XXXX, OH XXXX I also would like for it to be removed off you my personal credit profile.
Product: Checking or savings account

Received a latter in the mail stating a business checking account was opened in my name XX/XX/2024. Called the bank informed them this was not an account I opened. and the bank assured me the account was flagged and closed. I never received paperwork stating it was closed and why it was opened without the proper documentation to identify me in the first place.
Product: Credit card

I made a purchase in the amount of {$1100.00} on my Chase credit card on XX/XX/year>. On XX/XX/year> I contacted the merchant and requested a refund. The merchant confirmed the refund, I went on my Chase account and saw the refund listed on my pending transactions. This refund sat on my pending charges on my Chase account for 6 days then disappeared and never posted to my account. Now Chase says they have never seen the refund and to contact the merchant. The merchant works in the same office building I do and we have spoke and they have confirmed the funds withdrew from their account and provided a receipt of the refund.

I have given the refund receipts to Chase and they keep telling me to contact the merchant that they don't have record of the refund. Again the refund showed under pending transactions for 6 days on my Chase account.

I have not had issues with Chase in the past regarding refunds of lesser amounts. After doing some research it seems this happens often when Chase has larger refunds to process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/1991 Last 4 SS # : XXXX XXXX XXXX XXXX : XXXX Experian XXXX To Whom it May Concern, Account name : XXXX XXXX  XXXX  I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of {$1400.00}, and an account balance of {$1400.00}, while reflecting XXXX ( zero ) late payment. Additionally the utilization percentage is also inaccurate as 99 % of {$1500.00} is {$1400.00} and not {$1400.00} nor {$1400.00}. 
According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

Sincerely, XXXX XXXX