23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shellpoint annually requests a copy of the condo buildings insurance. Following their instructions I uploaded a copy of the condo building insurance policy on XX/XX/XXXX. I did so again on XX/XX/XXXX after receiving written notice they have not received a copy of the buildings insurance. 

On XX/XX/XXXX I received written correspondence that they have purchased insurance for the condo building on my behalf for {$6300.00}. 

In XXXX Shellpoint did this same exact thing to me and I had to file a complaint with CFPB to get the issue resolved. This seems like mortgage servicer fraud to me so they can make additional profits selling insurance. 

I've included a screen shot from when I uploaded the insurance policy on XX/XX/XXXX in the additional documents section.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found item to be in error.

Additionally, in compliance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I insist on receiving actual evidence of the information being verified, rather than a computer-generated confirmation.

Your cooperation and prompt attention are legally required.
Product: Checking or savings account

Deposit date was XX/XX/2024 The date they put a hold on my money {$710.00} Was XX/XX/2024 I called them yesterday and today I got no help from them at all I message them in the app they responded they didn't get my proof I sent They keep saying that my check wasn't going to be cashed that is why they put the hold in my account My account balance is {$960.00} but they only put {$220.00} in my account it seems like someone is trying to steal my money by using the banks process of cashing checks Bank name is Navy Federal Credit Union
Product: Debt collection

On XX/XX/XXXX, a XXXX XXXX from Fair Collections and Outsourcing called my phone # of XXXX and divulged to an unauthorized 3rd party that I owe a debt. Thereafter, this person also called my work and left a voicemail at my extension stating that there is debt owed. This, I beleive, is considered as unfair practice. 

On XX/XX/XXXX, the same person called XXXX six times which constitutes harassment. 

Secondly, i have not received any invoice or debt validation showing the breakdown of the amount of {$7400.00} that they are saying that i owe. i also would like to request for a copy of the contract.
Product: Debt collection

I have XXXX issues with a collection on my credit report ( XXXX ). # 1 ) I have tried numerous times to get this collection off of my credit report and the company keeps selling the debt to a new collection agency so it continues to show up on my credit report ( proof attached from XXXX ) # 2 This debt is over XXXX years old and was included in my bankruptcy, which is supposed to make it to where the collection agency can not contact me. They continue to contact me to try to collect on this debt ( Proof attached from Convergent Outsourcing bill collectors. They should not be allowed to send me a bill nor put it on my credit report as a new collection. This debt is over XXXX years old and I would like the collection agency to stop sending me bills and remove the debt from my credit report. Credit report also shows collection was included in bankruptcy ( Proof attached ) Please help me because I have been dealing with this for about 7 years now and they will not stop selling the collection to other agencies. I would like it completely removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX on XX/XX/XXXX regarding several inquiries that were on my credit report. The inquires were dated XX/XX/XXXX this has affected my score and I'm not aware of the companies listed. XXXX told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.
Product: Debt collection

I am being abused and ignored by a debt collection agency by the name of CAINE & WEINER. more than 30 days ago, I sent CAINE & WEINER a letter requesting that CAINE & WEINER validate an alleged debt of {$150.00} in which they purchased from an insurance company called PROGRESSIVE. CAINE & WEINER received the letter on XXXX There was no response from the debt collection agency validating the debt. During the period of time the debt validation was requested, they continued to report activity on my consumer disclosure report according to what I have discovered from XXXX XXXXXXXX XXXX These behaviors are not only willfully negligent, but willfully noncompliant, abusive and violations of my federally protected rights. The FDCPA states that debt collectors who can not validate debt must cease all collection activity, otherwise, they are liable per Fair Debt Collection Practices Act 15 USC 1692k Civil liability. I am aware that the FCRA provides for maximum penalties of {$4700.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621 in cases of noncompliance. I, XXXX XXXX, am also aware that the CFPB can not act as an attorney in this matter, but they make sure that consumers and companies get responses. I am also aware that the CFPB is one of the regulatory organizations who oversees compliance.
Product: Mortgage

Di not apply payments. Although accepted payments of XX/XX/ XXXX  and XXXX XXXX
Product: Credit card or prepaid card

I have been going through this dispute process with Elan Financial/Ameris Bank for over 2 months. They are not properly handling a payment which was made in error and the amount surely was not authorized. I have sent them proof by fax on 2 different occasions showing that that payment for {$6100.00} was made in error. But, they have an " XXXX '' of a agent ( XXXX ) working on my case, who keeps saying that I rented a piece of equipment, so that somehow makes the charge valid. Even though XXXX herself states that I only possessed the equipment for 14 days, and I provided proof that the rental fee for the equipment was on {$1100.00}. So, I was totally puzzled how she came to the conclusion that a payment made in error was legitimate and should remain on my account. That amount is more than 12 times what I would owe for the rental. I am completely appalled by the lack of customer service by Elan Financial. 

I sent then evidence that that charge was an error as well as myself asking XXXX XXXX, the merchant, to reverse the charge.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICE ALOT OF HARD INQUIRES ON MY CREDIT REPORT THAT I DID NOT AUTHORIZE I RECENTLY GOT A POLICE REPORT IM GOING TO ATTACH IT TO MY CLAIM XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Hello, I took a loan of {$2500.00} back in XXXX. The installment were every other Friday since that is my day I get paid from my employer. 
Ive made more than {$2500.00} in payments but since they are a very expensive loans, APR is about 700 %, I couldn't continue to make payments due Covid situation. 
I work in the retail world and basically my income is based on commision plus salary. 

However, I have been trying for months not to contact them via phone and also email to come up with a payment plan and solve the issue. 
They have accumulated more than {$10000.00} in monthly fees that has gotten out of control. they are reporting INCORRECT amounts to my credit that is fully damaging my credit. The account is now delinquent and sure will escalate to worse. 

I haven't heard anything from them this whole year and I see the fees have gone up each month and it look likes with will get worse. 
Id like to dispute this account from my credit, incorrect amount reported. 

Email were sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and also several phone calls made. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing the following accounts due to the fact that the accounts are fraudulent and does not belong to me. My identity was compromised and put on the dark web. And this has affected my credit files greatly. I'm demanding the immediate removal of these unauthorized accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$3.00} 8. XXXX XXXX {$110.00} 9. XXXX XXXX {$280.00} 10. XXXX XXXX XXXX {$3.00} 11. XXXX XXXX XXXX {$16000.00}
Product: Credit reporting or other personal consumer reports

I am writing to ask for your help with a problem that is affecting my credit history. My e report shows a negative account, which is the only one I have I already reported it a while ago to have it reviewed and removed, but so far no changes have been made to my report.

This account is affecting my credit score and has prevented me from moving forward with important procedures that I need to complete, For this reason, I ask young please delete this account immediately so that I can continue with my negotiations.

According to the law 15 USC ( 1681 ) ( o ), credit agencies must ensure that the information in the reports is correct. By not correcting this error, they are failing to comply with that obligation, which is causing financial problems and delays.

I await your response and am available for any additional Information you my need.
Product: Credit reporting, credit repair services, or other personal consumer reports

trans-union removed my inquiries and put them back on without notifying me. ACT 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with th

e Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 report 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 informationAny other adve
rse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXX XXXX XXXX , XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 1st endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX  XX/XX/2023
Product: Mortgage

The mortgage servicer does not send a monthly statement each billing cycle. I have called them to request this, but all they do is send copies of back statements.
Product: Credit reporting

filed a complaint with cfpb and against XXXX /transunion and a pay status was added to the account that this was a chargeoff account, this was never listed that way before, it was settled for less than amount owed but never charged off it should just say paid, XXXX was paid through XXXX also and they are reporting paid {$0.00} pay status current, on the XXXX account XXXX and XXXX is reporting paid {$0.00} pay status unknown and current, TransUnion is the only one reporting late payments when they were reporting after the account was paid. The pay status just needs to read current
Product: Credit reporting or other personal consumer reports

I just made a XXXX dollar payment on this card and it had a credit limit of XXXX dollars shortly after i made payment they reduced credit limit to a XXXX dollars. I called XXXX  and they said there was no reason this should of taken place,, They are not using the proper yearly income also based on my tax returns. The bank also told me it was XXXX 's decision to lower my credit limit, i have a credit score of XXXX and its been that way for years and i haven't been late on any payments on any of my cards or bills in years. My annual income isnt being used properly and after making a XXXX dollar payment and taking this action of lowering the amount i feel very violated by the bank.
Product: Prepaid card

I have an American Express gift card that keeps getting decline when I make purchases online. I have a lot of funds and can not purchase things on sites that I want to. When I called Amex the rep could not help me and would not send me a check to refund what is left on card. For instance, I was trying to make a purchase on XXXX XXXX and it got declined. He said it was for security reasons. Would not let me know anything else and just said tried using it elsewhere. I asked if there are sites that are blocked and he told me no. Yet this was the fourth purchase on a site I was trying to make that the card was declined. I asked to speak to a manager and he put me on hold and no one ever came on the phone after five minutes so I hung up. I called back and another rep told me the same thing except that he will do something where if I try in 24 hours to purchase on XXXX XXXX the transaction should go through. I tried again and it was declined. What is the purpose of a gift card if I cant use it online. Also this is a gift card so I cant use it in person unless the store has tap and pay and can use it from XXXXXXXX XXXX. I am beyond frustrated
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Resurgant Capital ( Lvnv Funding LLC ) regarding a collection account which is being reported against me ( account ending in XXXX ). I have made numerous attempts via mail to dispute this account and requested that this debt collector investigate my dispute since this account was not opened by me nor did I benefit from its creation. I spoke with an employee named XXXX who informed me she could not speak to me or provide me any information related to how to submit an identity theft report to Resurgant. She claimed that my file was locked and she was not permitted to disclose any information that would assist in resolving this fraudulent collection account. As of today this account is still being reported to all 3 credit reporting agencies even though I have informed this company this account is not mine furthermore they are refusing to assist in processing my request regarding identity theft. The tactics which are being employed to prevent the victim to resolve this inaccuracy are appalling.
Product: Debt collection

On XX/XX/2020 A/R Solutions , Inc. A debt collector contacted me via writing and phone attempting to collect a debt that is not owed. Let this be a written notification through the CFPB that this debt is not valid and does not belong to me. Please cease communication and collection process or civil suit will follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please sep up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 
XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing XXXX account Fraudulent from my XXXX, Equifax and Transunion Credit Reports. XXXXXXXX XXXX XXXXXX/XX/year>. I am also listing XXXX inquiry Fraudulent form my Transunion and Equifax Credit Reports. XXXX XXXXXXXX XX/XX/year>. Listed account and inquiry does not belong to me and must be removed from my Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft Report for deletion. I am requesting XXXX, Equifax and Transunion to mark this account and inquiry as Fraudulent and remove from my all of my XXXX  Credit Reports.
Product: Credit reporting or other personal consumer reports

I have sent Experian my police report several times of them asking me for the same documents. I upload each time they reject it. I have provided the police report. My ssn and dob is blocked on police report due to it being illegal for them to show it. I sent them the officer card case number as well as my identification documents and they are still rejecting my information to remove this fraudulent account from my credit report from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Agent Notice to Principal ALL CONTRACTS ARE VOID! This is the truth and nothing but the truth. If it is not THE GREAT LAW, I XXXX XXXX XXXX the living SOUL, Will not take part or honor any law that governs the jurisdiction of an illegal fiction. I will not converse in any law that is not The Great Law. Meaning adhesion contracts are hereby NOW void because they werecohesion by deception, This is Written Notice to cancel, settle, discharge, delete, destroy, burn, eliminate disappear, get rid of all illegal fiction contracts. The United States government and the Pope has been deceiving XXXX XXXX XXXX by promoting adhesion contracts, coercive laws, deceptive laws written under the pretax of our government, but its been fraud the whole time.Notice to agent is Notice to principal.I have a bandit all contracts due to the fact I have been deceive through legalese, and I have been trapped in the deception since XXXXMy birthright and blood rights has been taking away without my consent.This is Public Notice to ALL coming from XXXX XXXX and The Great Law of The REAL Americas ALL CONTRACTS ARE HEREBY VOID DUE TO NON-PERFORMANCE BY THE GOVERNMENT AND THERE CORPORATIONS! This is a Cease and Desist to all parties involved with trying to Contract without any lawful jurisdiction to my illegal fiction. Any corporation using any form of UNIFORM COMMERCIAL CODE or Maintaining a database of any information containing the name XXXX XXXX XXXX date of birth XXXX, Social security number XXXX is FIRED. Attached are copies of my identification and The American Declaration on The Rights of Indigenous Peoples!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has taken adverse action against me and my spouse by falsifying information to the 3 credit bureaus after I requested that they validate the debt. They have extremely damaged our creditworthiness and reputation by illegally falsifying the records sent to the 3 bureaus. This record was removed and placed back on illegally. Not only did they replace it on our report after deleting which is a huge violation of our rights but they continually changed information, the high credit amount from being XXXX to XXXX, they have also said account closed XXXX XXXX 4.5 years  after the original close date of XXXX XXXX. They have attempted to reage the debt to collect on after the statute of limitations has run out to sue or legally collect. They also have changed they late dates once they removed and changed this information. Our credit has taken a huge hit due to the malicious credit tactics which is causing immense stress on me and my spouse.
Product: Vehicle loan or lease

My car was repossessed on XX/XX/XXXX, I paid all amount due to get the car back on XX/XX/XXXX. I still have yet to receive my back and Wells Fargo had no idea where the car is. They also threw all my personal belongings that were in the vehicle including the plate away as well! Ive talked to them every single day since it was paid and receive a different answer every time. I am having to pay out of pocket to get to and from places and a car payment for a car they arent giving back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt thats been on there for years need to be removed that i know longer take accountability for. From XXXX. Several accounts has been closed and late payments thats been sitting there over the years that I know longer have. Debts being on my credit reports that I didnt even get a verification/ notification about.
Product: Credit reporting or other personal consumer reports

I want to these inquiries deleted because I didn't authorize these companies to run my credit. Bank of American.
Product: Credit card or prepaid card

Card was legally ordered to be closed and out of my name the debt was ordered to XXXX j XXXX. XXXX  XXXX XXXX order even after the federal government paying for this. It is now fraud using my name and credit