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

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

Upon examining my latest credit report, I identified multiple accounts that seem to have been added without my consent and are incorrect. Please take action to block and remove these fraudulent entries from my report.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>2022 I made purchases like many others do on live sales on a XXXX group. The guy didnt want to update me with a tracking number so I contacted cash app to alert them and he was using his sons name instead of his on their app and that was the first red flag. They told me to wait and see if my products showed up basically and they never did I received an empty box not secured enough to ship anything in and I asked for a full refund and they refused to give me a number to talk to someone, and just told me not to by from strangers. I told them that they were aiding these scammers and they could ban his account to prevent further damage to others. They wouldnt he ended up getting kicked out of the XXXX group for doing the same thing to a lot of other people and the people who complained he would simply block them and I didnt say anything because I realized that and watched his other lives, I started contacting other people affected and they said the same thing or wouldnt respond. But cash app refused to help get my money back and was an immediate dead trying to talk to the online assistant. There solution was to basically learn from that situation and accept the loss of money
Product: Mortgage

Shellpoint " XXXX XXXX '' financial, authorized a ACH withdrawal from my XXXX Checking account in excess of {$3200.00} without my knowing. I made a simple online payment, which I have done every month for several years, where the payment amount is pre-selected as the minimum payment due. The process to pay is very simple and straightforward. There is no keying in of any numbers or information. My banking information is saved and the amount is pre-selected for me. I click submit and the payment goes through for the minimum monthly payment. 

For reasons Shellpoint can not explain, an amount in excess of {$3200.00} was drafted from my checking account. I have issued a stop payment through my bank at my expense. I have incurred an overdraft penalty at my own expense. I am likely to incur additional financial penalties from other bills that were pending due to this excessive draft wiping out my entire checking account balance. Shellpoint has repeatedly offered no meaningful explanations and admits no wrongdoing of their own. They have confirmed, that the only way to pay additional money is by entering that amount in a separate field which I certainly didn't do. I am not here to argue, I am here as a customer who is a victim of this company. I want my voice heard. This mortgage company was a treachery from the beginning when I bought my home ( for reasons I won't go into ). They should be out of business, period. Not only have I never missed a payment, I paid my mortgage throughout my bankruptcy after dealing with a very difficult divorce. Shellpoint has no right, in my opinion, to hold on to these funds for any period of time. The payment should be void and cancelled, end of story. It is my right and my duty to warn other consumers, through this complaint, that Shellpoint " XXXX XXXX '' XXXX is not to be trusted with online transactions. 


Shellpoint " XXXX XXXX '' has no meaningful response or explanation at this time. Company is making me go through a process to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX and XXXX XXXX Account Number XXXX. Inquires as follows XXXX XXXX and 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 or other personal consumer reports

XXXX I received your recently letter. XXXX your contract to service the U.S. Department of Education XXXX loans do not start until after a date in XX/XX/XXXX. 
Currently XXXX can only process XXXX claims of federal XXXX loans for the U.S. Department of Education. XXXX I received your recent letter and last letter the one you reduce the money from {$80000.00} to {$39000.00}. XXXX consider that as the last letter you send me. XXXX you stole my identity. XXXX your employer the real U.S. Department of Education wrote you to Terminated the federal XXXX Note in my identity for Fraud XX/XX/XXXX. The real U.S. Department of Education can cancel a contract a federal XXXX loan for fraud. The note defaulted XXXX XXXX and that stands wrote the real U.S. Department of Education XXXX The U.S. Department of Education wrote Defaulted, Terminate Collection meanng the real U.S.Department of Education does not want the money. The note was not completed in a federal lender orginator of XXXX loans website for electronic signatures, etc. Many federal XXXX loans FFLE loans the government are still collecting on no mattter of the amount. XXXX remove yourself of my credit reports immediately. XXXX you are in violation of the False Claim Act by stealing money from the real U.S. Department of Education in serviceing a Terminated Note for Fraud. XXXX your in violation of the Fair Credit Reporting Act. XXXX any other letter you might send me I will consider as harassment. I want all the credit reporting agencies to send me the documents that XXXX sent in to open this XXXX  loan in my identity and if the CRA can not tell my why> XXXX CEASE AND DESIST FROM CONTACTING ME UNLESS THROUGH YOUR ATTORNEY. XXXX I AM NOT GOING TO PAY YOU AN XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries on my TransUnion credit report that I do not recognize. I have notified TransUnion in writing of the unrecognized inquiries and they responded with a letter telling me to contact the companies who received my credit report to find out if they opened an account in my name and that they can investigate and determine it was fraudulent. I do not know who the companies are that accessed my credit report but I know that they did not have my consen or permissible purpose.. The other two credit bureaus ( XXXX and XXXX ) did not report those inquiries. TransUnion is willfully and knowingly in clear violation of the FCRA amongst other federal regulations and statues. TransUnion is taking advantage of the consumer laws by dismissing my dispute without investigation! This problem has caused me much stress and XXXX  and has had a negative impact on my life. 
The second issue with TransUnion is an account that is reported as a collection on my account that I do not recognize. I wish to see the original contract with wet signature of mine. It is an alleged debt of over {$4000.00}. I demand to have this account removed from my credit report. I have disputed this account and never even received a letter back from TransUnion or notification of an investigation. I do not wish to have to seek counsel regarding these matters but it looks as though I may have no other choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclay US Credit Card division places a 26 % APR on credit cards ... ..these are predatory percentage rates similar to a " pay day loan '' rate. Also, whenever, you request a credit line increase from this company, they place a " hard credit inquiry '' on your credit report. 
I have 37 credit cards. All are at a XXXX balance. I have an XXXX credit score. Every " hard pull '' credit inquiry hurts my credit and stays on my inquiry with the bureaus for 2 years. 
This punishes a customer for asking for a credit line increase. Every other credit card company uses a " soft pull '' for credit line increases or history with the account for the purpose of credit line increases. I do not accept these " hard inquiries '' being placed on my credit file. I have a PERFECT record with Barclays on all 3 accounts with their company. However, I have 6 " hard pulls '' on my credit file for asking for credit line increases which have always been approved. But, I don't want or accept the " hard pulls ''. 
This action must stop. It hurts the consumer 's credit rating by doing a hard pull and stays on their file for 2 years. I've contacted Barclay but they state this is their SOP and it will remain this way ... .PERIOD.
Product: Debt collection

This is a formal complaint against Stark Collection Agency for unfair and deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 807 [ False or Misleading Representations ] and 809 [ Validation of Debts ]. 
Account Details for Reference : Original Creditor : XXXX XXXX XXXX XXXX Amount Claimed by Stark Collection Agency : {$4800.00} Details of the Complaint : On XX/XX/2019, Stark Collection Agency began reporting a debt on my credit report that is already reported by the original creditor. I have never acknowledged this debt as valid. This inaccurate duplication, along with reporting a significantly higher amount ( {$4800.00} ) than originally owed, has severely damaged my credit score. 
Since XXXX, XXXX, I have disputed this debt with Stark Collection Agency. They have ignored my requests for validation and refuse to remove the inaccurate listing from my credit report. They have not provided any documentation to substantiate the inflated amount they claim I owe. 
This erroneous reporting has had a direct negative impact on my financial wellbeing. Stark Collection Agency 's actions demonstrate a blatant disregard for consumer protection laws.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX. I asked The work number to blocked all my employment information due to security breach. Which I received information about my personal information being exposed to the public. I'm a victim of identity theft and XXXX XXXX. I want my information blocked. 


XX/XX/XXXX. I wanted to see if my information was block. The man told me he couldn't see nothing. I asked him for a full report. He stated he couldn't help and hung up.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/2006 and a balance of {$170000.00}. 

-unable to complete XXXX exchange because of this incorrect item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name ar
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, an infant minor trust, is the victim of fraud. A contract between an Infant & financial institution can only be the result of coercion, misrepresentation and fraud. Any such contract is illegal and non binding. Financial institutions, acting as trustee of infant minor trust, failed fiduciary obligation. Beneficiary was billed and trustee claimed remittance coupons. I have submitted XXXX dispute for fraud to Equifax, and no relief has been provided. I am the sole equitable beneficial title holder, beneficiary of the XXXX XXXX XXXX. Beneficiarys are to receive all benefits, and can not preform any duty of the trustee.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card or prepaid card

I received an unrequested card in the mail from Chime.com. I contacted the firm using the phone number provided, the information on the automated system requested that I contact them via email. Once in contact with the support department using email, I requested that the company contacted me by phone as I did not want to send anymore identifying information over unsecured email. 

After multiple attempts and great frustration, I have come to what seems like a loop with their automated system, I want to understand what information was supplied to them to create an account in my name, but they will not proceed in a manner that is safe to share such information.
Product: Credit card or prepaid card

On XX/XX/2022, I made a {$5000.00} payment to American Express. The available balance did not increase, which happens with American Express fairly often. Therefore, I knew what I had to do, I called them and then we called my personal bank, XXXX, so they could confirm the funds. XXXX confirmed the available funds. American Express took the payment and then I tried to use the card to pay my rent. I was unable to use the card as within minutes American Express decreased my available credit. 
I called American Express and they listed a number of reasons, however, I find that to be a very dirty practice. They said it had nothing to do with my payment. They said it was a coincidence and just a system generated decision. I find that totally unbelievable and a way for them to get your money and not let you use your credit. I would assume they should give you a little more notice than 10 minutes after they take a payment, especially, a large payment. I find it a very disturbing practice and very distressing. And, I have had a credit relationship with them for over 15 years. They know I have a XXXX XXXXXXXX  and have pulled this kind of thing on me when I was in the hospital and unable to pay my bills and my medications cause they wouldn't update my payment. This is American Express.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I paid in full my XXXX student loan in the amount of {$6300.00}. That payment closed out the account and brought it to a XXXX balance. XXXX never updated my credit report to show it was paid in full and with a XXXX balance ( last credit report update was XX/XX/year> ). XXXX no longer services the account and it's now serviced by Mohela ( even though account was paid in full and closed prior to being transferred to Mohela ). Mohela has provided contradictory information and stated that they updated the credit agencies on XX/XX/XXXX that the account was paid in full- the credit reporting agencies haven't received this information. I called Mohela today and was told that I have to send a letter to dispute the information and that it's not their job to correct incorrect information unless I send in a letter. This is unacceptable as it's still showing open with a balance. 

I have been lied to by Mohela multiple times about this. They have claimed to report this as paid off multiple times when it has not been. I previously submitted CFPB complaint XXXX that the credit report would be updated at the end of XX/XX/year>- it has not happened. I have attached proof as well that on XX/XX/year> that Mohela said they also reported it as closed and paid in pull.
Product: Credit reporting or other personal consumer reports

There is a collection account, XXXX XXXX listed as the creditor, on my Credit Report I contacted XXXX on or around XX/XX/ regarding this balance when I began receiving notices via text messages ; the agent advised my account is in good standing and I have no outstanding balance. Additionally, I encouraged her to validate with her supervisor to confirm, which she did and subsequently advised this billing should not be sent to me. When I began to receive collection notices I disputed with the collection agency and I also disputed the matter with the CFPB ( Consumer Financial Protection Bureau ) # XXXX in late XX/XX/. CFPB investigated and subsequently advised the debt request has been recalled from the Creditor. All collection attempts ceased at that point. However, now there is a {$77.00} collection notice appearing on all 3 of my credit reports. I've disputed this as a collection not belonging to me, however XXXX advised to raise to CFPB as they have rejected my dispute XXXX
Product: Credit reporting or other personal consumer reports

Need info to show that your violations of the FDCPA will cease immediately Your assigned Debt rules and regulations for the state of Nevada Proof of purchase Proof of contract Privacy Notice Balance, payments, interest rates and payment history with an accounting ledger that shows everything has been documented according to FDCPA. 
Proper service Full account disclosure of alleged debt Chain of custody How you verified this debt? 
You refuse to remove this fraud from my account. I have provided all documentation to show this is fraud These accounts don't belong to me and I have no knowledge of these. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account Number xxxx-xxxx-xxxx XXXX XXXX. XXXX XXXX XXXX XXXX Account Number xxxx xxxx xxxx XXXX XXXX. XXXX XXXX XXXX XXXX Account xxxx xxxx xxxx XXXX XXXX. XXXX Account Number xxxx xxxx xxxx XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX Nevada XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX Account Number XXXX. 
Different variations of my name and addresses I don't have any knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the unfortunate people who was affected by the recent Equifax hack. Equifax confirmed my credit/personal information was compromised. ( XXXX/XXXX/17 ) I am deeply disturbed by this lack of security and will take any and all steps possible to hold this company responsible as well as to protect myself in the future.
Product: Debt collection

I have informed the company that they are calling the wrong number ; more than 10 times. This is my work number XXXX. I am not associated with the debt or the Money Source. Again this is my work number I am a XXXX XXXX for XXXX XXXX county I have XXXX  call this number. They are disrupting my work and impeding my ability to provide services. Phone will not stop ringing they call non stop ; today XX/XX/XXXX they called 5 times back to back.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 formally dispute the continued reporting of a charge-off account by XXXX XXXX XXXX on my credit report. This account has been fully paid off, yet it is still listed as an outstanding charge-off, which inaccurately affects my credit profile. 

I believe this is an error, as I fulfilled my financial obligation and cleared this debt in full. Additionally, I ask the CFPB to facilitate the resolution of this matter to ensure the accuracy of my credit report. Please let me know if any further documentation is required to support my case.