23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have repeatedly tried contacting and disputing XXXX collection which were placed against me which are not valid. Items # XXXX and # XXXX need to be deleted from my credit reports. On XXXX/XXXX/15 I sent a complaint and a dispute to Collection Consultants of California regarding XXXX previously invalid collections placed against me. They continued to leave machine recorded messages and text messages on my cellular phone regarding this debt that i supposedly owe them and I have had enough of their unlawful tactics. I have not even received the required partial response within 15 days after my initial CFPB complaint adjacent them. These items, which I have disputed since XX/XX/XXXX with them and the bureaus are still reporting on my credit files and that is not legal. They are ignoring my disputes and have not sent or validated the debts nor have they responded to my requests to stop communicating with me. I have waited for any verifications through the credit reporting bureaus and have received nothing. I have no idea why these XXXX accounts are on my credit report as these bills were paid in full through a lawsuit/ judgment against a limosouine company years ago. I have no part in this debt nor is this debt, which they continue to ignore and blindly verify, legal. They use abusive and frequent tactics to harass me and that is senseless, as I do not owe these XXXX debts. They have failed to verify or process my dispute # XXXX
Product: Payday loan, title loan, or personal loan

In your letter ( XX/XX/XXXX ) you stated " we were able to confirm application XXXX was declined due to inadequate collateral and a letter was sent to you on XX/XX/XXXX advising you of the decline. You do not show that application number in your stated applications contained within this letter. Did you mean # XXXX? If so, that's XXXX, then follow by saying you sent a letter with denial in XXXX!?
Product: Debt collection

In XXXX of 2020, I admit I was late in making payments to the creditor XXXX XXXX for {$310.00}. XX/XX/XXXX, I received a payment document from NCA regarding the debt. On XXXX, I spoke with NCA and decided on paying the 50 % option of {$150.00} to settle the matter. Also during this call, the representative told me that this was not going to show on my reports but it has. I've tried many times to have this removed through XXXX and NCA XXXX XXXX, and XXXX but all they keep telling me that the debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX  I am currently looking at my credit report and to my own detriment, I see that your company STILL is reporting my student loans very inaccurately and unlawfully, and I firmlyafter many disputed attempts to have this corrected with your company -- request an immediate deletion of these discrepant items ASAP. 
I can attest to the fact that I have never paid ANY of my student loans late for the entire lifespan of the loans, including years before the pandemic, during and afterwards as I have been on an approved forbearance/deferment. 
I contacted the US DEPARTMENT OF EDUCATION in XXXX of this year, and they show that there was a discrepancy in process ( no fault of my own, and ) my loans are current, no history of late payments and theyve recently traded my student loans to another loan servicer. They stated that they will refresh my credit reports within 45-60 days, which is far too long for me to have to wait as it is adversely affecting my credit accounts. 
Each of my credit reports by all three of the major credit agencies reflect a totally different payment history in regards to my student loans, however, one of t he agencies have no reports of late student payments the entire duration of the loan. 
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 U.S.C 1681.

Account names and info : US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX ending in XXXX US DEPARTMENT OF EDXXXX ending in XXXX and US DEPARTMENT OF ED beginning with XXXX  US DEPARTMENT OF ED beginning with XXXX According to The Negative Information Notice is a requirement of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act. This rule requires financial institutions to provide consumers with a notice that negative information may be provided to a consumer reporting agency. So, if you're going to provide negative information like they're late, or they missed the payment, something like that, to a consumer reporting agency like XXXX, Equifax, or XXXX, then you have to give consumers this notice under the Fair Credit Reporting Act. 
Furthermore, your company has violated these additional laws : 15 U.S.C. 1681 Section 602 A : States that 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 an account without my written or expressed permission and instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : 1. Any adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Deeply XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

2 charges on XXXX for {$110.00}, XXXX XXXX This was an airport lounge service. We wondered what was included, so the staff offered to walk us through and point out the amenities. They claimed they needed a credit card on file for insurance reasons. We walked through, were not impressed at all with the lounge, and decided not to buy a day pass. I signed a document stating that we would not use the lounge and would not be charged. I have been charged by Chase TWICE for it. I have called in, emailed, or sent in documentation weekly since that time, proving that I wouldn't be charged and showing that the signed paper that the merchant showed was not my signature. It has been 3 months now and no credit from Chase.
Product: Mortgage

My mortgage service was recently was recently transferred to Shellpoint Mortgage Serving LLC In XXXX of XXXX. When the loan was transferred to Shellpoint there was not an escrow account associated with my loan. I submitted a electronic request to open an escrow account for both property taxes and insurance through their online system on XX/XX/XXXX. I received an email correspondence back from Shellpoint on XX/XX/XXXX stating that I need to submit a written request with background documentation in order for them to review my request and see if my account was eligible. I submitted that request on XX/XX/XXXX. Shellpoint responded with an email on XX/XX/XXXX via email that they added the insurance policy but did not add the property taxes to escrow as they require a 12 month payment history which I did not have with them. 
I contacted customer service via there 800 number and the customer service agent and indicated that I did not request an escrow account just for insurance and had requested insurance and property tax and as that was the denied did not want any escrow account just for insurance. They indicated that they could not help me and that I would need to submit a email request. I submitted the email request to not have an escrow account open for my account just for insurance only as that was not requested. 
I received a follow up email from Shellpoint on XX/XX/XXXX indicating that I would need to make this request in writing and then would need to email this to them. I submitted this request in writing via email on XX/XX/XXXX. I recieved a letter on XX/XX/XXXX dated XX/XX/XXXX stating that my request to cancel my escrow account has been denied. The reason was that my loan did not meet the proper seasoning requirements. I contacted customer service via phone on XX/XX/XXXX and explained the situation. They said they understood the situation and would send a complaint on my behalf but that they could not even talk to or transfer me to that department as they don't even have phones? They indicated they ( escrow department ) would reach out to me directly. Have not been contacted. 
My issue are below ; 1. I did not have an escrow account to begin with.

2. I requested escrow for both property tax and insurance and they opened an account just for insurance which I did not request.

3. I asked them not to move forward with that insurance only escrow account and they denied that request.

4. I have made two payments to Shellpoint since my loan was transferred with no escrow requirement and saw that my payment will going up significantly beginning with my next payment for escrow. Regular insurance premium and additional payment for escrow. 
5. my wife and I are retired on a fixed income and this is going to create a financial hardship.
Product: Mortgage

Carrington Mortgage Services notified me in XXXX of this year they had purchased my VA mortgage loan from XXXX XXXX. I immediately sent them notification regarding my insurance company, their address and phone number. 

I received a letter from Carrington dated XX/XX/XXXX of this year indicating they had not received evidence I had hazard insurance and threatened to buy insurance for my property ( at elevated rates, of course ). 

When I could not immediately reach my insurance agent I called my insurance company 's home office ( XXXX ) and spoke with a young lady named XXXX who said she would fax them a copy of the Declaration Page that day. 

At that time I also send a copy of the Declaration Page to Carrington by snail mail as a back up. 

I reached my local agent, XXXX XXXX XXXX, on or about XX/XX/XXXX. She assured me she would immediately fax Carrington the Declaration Page at the phone number listed in their request letter. 

On XX/XX/XXXX a review of the status of my insurance policy remained listed as unpaid and Carrington was still requesting the same Declaration Page submitted to them at least three times previous. 

Today I again submitted for the 4th time the Declaration Page which Carrington refuses to acknowledge. This I submitted the requested documentation through their website.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address the inaccuracies and my consistent requests for thorough investigations, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each disputed account. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Checking or savings account

I have been in contact with BMO through the branch and over the phone. BMO and like many of my credit cards and other bank account were compromised. They were a bunch of fraudulent payments ACH payments made I have hired an attorney. I have put fraud alert on my credit reports I have filed FTC reports I went to the BMO branch IN PERSON AND PUT A HOLD ON THIS ACCOUNT AND MADE IT Credits ONLY SO WHEN WE FILE THE CLAIM AND THE CREDITS COME TO THIS Account WE MOVE IT TO THE NEW ACCOUNT. WHILE I WAS THERE, I PROVIDED A LOT OF DOCUMENTATION TO THE BRANCH MANAGER. I gave her a bunch of FTC reports. I gave her my attorneys contact information and a letter from my attorney, indicating that my accounts have been compromised. My identity has been compromised and how they are in contact with the banks as well as the credit card companies to resolve this situation. I reached out to my other bank so far and let them know about the fraudulent ACH transfers and as soon as they open the case, and they asked for documentation, I gave it to them right away, and they put the case in my favor the next day. BMO is giving me nothing but problems and Ive given them enough proof to make the case go into my favor yet theyre trying to still say that Im responsible for these unauthorized ACH transfers this is completely frustrating to deal with. Im already dealing with identity theft and now I have to deal with my bank, not helping me out through this situation even though I gave them nothing but valid proof and documentation backing up my claim.

These are the following claim numbers theyre trying to hold me accountable for EVEN THOUGH I HAVE LETTERS FROM those credit cards/banks even saying the ach transfers where unauthorized. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After looking at my credit report I found several fraudulent accounts and error reporting information due to being a victim of identity theft, including inquiries, auto loans, credit card transactions, wrong address, incorrect balance owed, reporting dates not accurate, and personal loans Please reference Attached Documents with Identity Theft report with specific details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times with Transunion and XXXX that my bankruptcy should be removed as it is not verified. They claim to use XXXX to verify, but XXXX does not have a bankruptcy on file. I also confirmed with the Court that they do not provide bankruptcy information to third parties. All of this was sent in multiple letters, and yet they have stood by their claim that they have done their due diligence and it was verified. 

At this point, I am at my wit 's end with them and inaccurately reporting items that can not be verified through the channels they state. Furthermore, the two do not have the same information and are therefore not " accurate '' or " verified '' as they so claim. If it were, they would have the correct information and be able to provide me with tangible proof of their verification. 

Please advise on how to rectify this gross misconduct of accurate and verified reporting.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these issues still persist on my record. I kindly request that you prioritize the investigation and removal of these discrepancies, ensuring that all necessary steps are taken to correct them in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 
I understand that resolving such issues may take time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following items shoild be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of inquiries in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

XXXX Experian XXXX is reporting that I have a bankruptcy on my credit report when I have never filed for bankruptcy the way I found out I applied for a home loan n I was denied do to this was very upset my birthday is XX/XX/1971 n social is XXXX name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out.

DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX 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 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
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$6900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00}
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017, I authorized an electronic bank transfer from XXXX XXXX XXXX XXXX for {$300.00}. XXXX 's charged me {$4.00} for the service and they gave me {$300.00}. So, {$300.00} was taken out of my checking account. Later, I discovered on my bank statement another {$300.00} ( exactly, no service charge ) from the adjacent casino, XXXX, referencing the same bank transfer number from XXXX 's ( XXXX ). I did not request this transfer, nor did I receive {$300.00} from XXXX. I disputed the charge from my bank, and the XXXX XXXX XXXX investigation determined that it was in error or an intentional criminal act. XXXX XXXX XXXX credited my account for {$300.00} and sent me a letter memorializing the results of their investigation. Since then, however, I have gotten over a dozen phone calls and two letters from a debt collection company calling themselves Global Payments Check Services out of XXXX IL, XXXX. XXXX XXXX, XXXX ( XXXX ) XXXX. They are demanding I pay them {$320.00} or they will ruin my credit and threaten my SS number. I told them on the phone and wrote a letter explaining that I did not authorize nor receive any money from XXXX XXXX and to stop harassing me. They have never stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

Experain and XXXX XXXX refuse to remove fraudulent acct from my profile when they have my supporting documents that I was a victim of Id theif
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ) Representatives, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX This is a duplicate - please remove this item from my report. - I was never late on this account. REMOVE THIS NOW! ( XXXX  ) for failing to comply with their obligations under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) regarding the reinvestigation of a late payment on my account. I previously requested that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX remove a late payment that was incorrectly reported on my credit history. However, despite providing the necessary documentation and making the appropriate requests, the entity has not conducted a proper reinvestigation nor corrected the inaccurate information. According to 15 USC 1666 ( b ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX required to adopt reasonable procedures to ensure the accuracy of statements and to correct any errors within a reasonable timeframe. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), information in my credit report should not contain transactions or experiences that negatively impact my credit history without proper verification. Therefore, I request the CFPB 's intervention to investigate this non-compliance and take the necessary actions to correct the inaccurate information in my credit report. This situation is negatively affecting my ability to access financial products and other essential services. Thank you for your attention to this complaint, and I look forward to a prompt resolution.