23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I've asked for my collections to be verified and have not received anything is over 30 days. You report to my XXXX and XXXX and XXXX a balance of XXXX, that I am unaware of. I have been disputing this account since it appeared on my credit report. Over a year now, when I reached out to the company they advised they would take the new address that I provided and update their system. 

However I believe if they were not able to verify with the address that they have, then it should have been deleted on my credit report not updated. This is not my owed debt and it has caused me to be denied credit. My last attempt was a dispute sent from myself on XX/XX/2019
Product: Debt collection

Ive gotten two different bills from this company. I do not recall any agreements with them. I am unfamiliar. Please provide all documents explaining my obligation to pay you all anything regarding this.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am requesting that the reporting of this information be blocked and deleted. THIS REQUEST HAS ALREADY BEEN HONORED BY XXXX, and I have enclosed PROOF showing that the XXXX  XXXX XXXX XXXX account listed here has already been DELETED by XXXX on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has responded that the accounts in question have come in VERIFIED. They need to follow an E-OSCAR method of validation. Then it goes through a Metro2 code. That code is generated and sent to the creditor or debt collector. The letter goes to the credit beaurues, E-OSCAR, then the creditor or debt collector. ACDV ( Automated Credit Disputed Verified ). The credit or debt collector must respond to the letter. It is saying that it is VERIFIED or updated. That is ILLEGAL because there is no proof that Transunion has personally validated this account. By law, it MUST be removed! It violates FCRA rules and regluations attached!! My certified letter to transunion # XXXX was sent XX/XX/2023. The certified letter was accepted by Transunion regarding the dispute. It takes 30 days to process the information and respond. They have responded that the accounts are indeed VERIFIED. That means that they have manually checked the account information as valid and there are NO discrepencies in the reporting on my report. That means it is 100 % accurate. The account in question is I. ) XXXX XXXX Credit Card. It must I have proof that the investigation was not accurate. In Transunion 's investigation, they have claimed that the accounts are VERIFIED and belong to me. That means that they have reviewed ALL of my information and are claiming that it is mine. According to the law, they are in violation of FCRA. The addresses on my credit report do NOT match up with the accounts in question. The accounts that I am disputing also are NOT reporting correct accounts, dates opened, last reported, and type of reporting. Legally, the accounts MUST be deleted. If the accounts are NOT deleted from my credit report, I will be suing Transunion for violating the FCRA rules and regulations of publishing false information about consumers reporting information. This makes sense as they are doing it to me. This will be my last dispute before litigation against Transunion. I have attached a copy of my current credit report highlighting the inaccuracies of the above forementioned accounts that MUST be deleted off my credit report. If they are NOT then I will be suing Transunion. I have also attached the data breach settlement from Transunion and there lawsuit. I have attached FCRA rules and regulations that Transunion and the other credit bureaus MUST follow and they are clearly violating. I have also attached a copy of my driver 's license which shows that the information that is reporting is in VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report dated XX/XX/XXXX I have 3 collections accounts as follows XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$970.00} Balance updated XX/XX/XXXX.... 

XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$66.00} Balance updated XX/XX/XXXX None of these accounts are listed as medical debt, they are listed as collections, XXXX XXXX usa is listed as a charge off account and on transunion credit report has the account listed as a profit/loss writeoff
Product: Credit reporting or other personal consumer reports

I do not consent nor authorize the sharing of my information to the public, specifically with data aggregators who are looking to collect information on my behalf. ( experian, XXXX, XXXX ).
Product: Credit reporting, credit repair services, 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 XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX {$230.00} XXXX XXXX  XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$370.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX  XXXX {$1400.00} XXXX  XXXX XXXX {$800.00} 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 consumer reporting 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 information. Any other adverse item of information, other than records of convictions of crime 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
Product: Mortgage

So that was XXXX Escrow Shortage Issue ... ... NOW for XXXX Escrow Shortage Statement " Please pay this amount in order to keep your Mortgage Payment amount at the current level ( which I had disputed ; see below ) they sent coupon,,,,,, I paid ... ... ... ... .they raised Mortgage Payment Amount AGAIN! 

Shellpoint Mortgage Servicing Loan # XXXX XXXX received Annual Escrow Assessment Statement that indicated shortage of { {$290.00} }, that statement included a coupon specifically to pay this shortage in full in order to keep my monthly payment at { {$540.00} }. I used that coupon and remitted { {$300.00} } on XXXX. They acknowledge receipt on XXXX, but billed { {$560.00} } for XXXX I have asked that that fee be removed several time but they keep saying they are " looking into this complicated matter '' XXXX correspondence saying " your current payment amount is { {$540.00} } '' XXXX correspondence now says although they credited my Escrow Shortage payment XXXX they " can take up to 2 billing cycles to " re-analyse '' and in the meantime they expect payment of { {$560.00} }! Nowhere on the original communication does it indicate that paying the Escrow Shortage ( clearly to maintain lower mortgage amount ) with their coupon, by their imposed due date, is giving them funds to hold for 2 billing cycles to " re-analyse ''. Allowing them to charge unearned " Fees/Charges '' Please see attached Company information Date complaint sent to company XX/XX/XXXX Company name Shellpoint Partners , LLC Timely response? 
Yes Company response to consumer Closed with explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying multiple times to dispute the erroneous items on my report but my disputes has been ignored by the Credit Reporting Agencies. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. I am investigating my Credit File for proper understanding my XXXX XXXX XXXX noticed the following : 1 ) the account DPT EDXXXX XXXX Balance Owed : {$3700.00} is reporting as late when in fact I never paid late for this account ; 2 ) the account XXXX XXXX  XXXX Balance Owed : {$0.00} has been paid and the balance is XXXX and yet the accounts is being reported as late ; and 3 ) I noticed that the disputed accounts report their dispute status as " Account not disputed '' even though I have been disputing this account for 6 months already. How could the Credit reporting Agencies report the status as " Account not Disputed '' when I have been disputing these accounts for a long time already? It made me wonder whether the Credit Bureaus are really contacting the Creditors or are they just making things up. As what the Credit Bureaus have responded to my CFPB Complaint via Consumer Portal, the Credit Bureaus have verified that the disputed items are accurate. It makes me doubtful of the Credit Bureaus action and I need to stop their erroneous reporting by updating the disputed accounts or completely removing the disputed accounts completely from my Credit file.
Product: Checking or savings account

Money Was Taken Out my account and i wish it wasnt. It left me in the negative
Product: Student loan

I had requested a refund of payments made during XXXX. This was totaling over {$5000.00}. I originally made this request XX/XX/XXXX. After a few months, I contacted the company for a status update and they told me the checks had been lost in the mail. They had to cancel the checks and submit a new request. Then, a few months later I moved so I contacted them to change my address. They said these checks would not be mail forwarded and canceled my request and opened a new request ( again ). That was in XXXX of XXXX. It is now XX/XX/XXXX and I have not received anything. The balance has been back on my loans for months. every time I contact the company they tell me they can't give me a timeline for when I will receive my checks. It was originally to be direct deposited back to my checking account but they said they would send a check. The balance being back on my loans is affecting my credit report and I have received no money to account for this change on my loan balance.
Product: Credit card

I've been looking at my credit report lately because I am trying to get in position to buy a house. I noticed Discover reporting late payments on my report that is not at all accurate and this information is extremely damaging to my credit worthiness. I was taking a look at my card member agreement and noticed thatI have the right to arbitration in disputes. I am demanding Discover update these late payments asap as they are a violation of my consumer rights under 15 USC 1666b in which a creditor is not to report late payments. Also I do not give Discover permission to report any information to ANY third party that is adverse to me the consumer. Time is of the essence
Product: Credit reporting, credit repair services, or other personal consumer reports

There matter pertains to mobile telephone account that I had with XXXX XXXX ; account number XXXX. 

I had decided to port my mobile number to a different carrier because of bad customer relations issues I was experiencing with XXXX. During one of my issues, and before I ported my number, I had informed someone in the billing department that I had excellent credit, and could get services with any other carrier.

My account had two numbers : a mobile telephone number, and a number that supports an XXXX  solely for data. The XXXX numbered shared data from the mobile plan. There was no contract to this account, for I had paid off for both the XXXX and the XXXX. XXXX data was an extra {$20.00} on my account plus {$5.00} for the line. 

After paying off for both the XXXX and the XXXX, I decided on cost cutting measures to my account, so I asked XXXX to get rid of the XXXX line. This was done about XXXX of XXXX, slightly before the work-from-home movement. I spoke to a female rep who it appears, was working from home at the time. She sent me text confirmation then that the line was removed from my bill, and this was reflected in payments going forward. 

In XXXX of XXXX I decided to port my mobile number to XXXX because again, I didn't like XXXX 's customer service. I paid off the bill for that month, and a month forward since XXXX tends to bill a month in advance. I XXXX of XXXX I got a bill from XXXX, for services on my mobile, for the periods XX/XX/XXXX to XX/XX/XXXX. At this time, my mobile number was no longer with XXXX but with XXXX. The amount of the bill then was {$190.00} I called XXXX, and was told that by the rep ( male ), the he would take ownership of the matter, that it was an error and I should not worry about the issue anymore. We the rep and myself, established that it was impossible to have the same mobile number operating at the same time by two different carriers. 

Fast forward to XX/XX/XXXX, while attempting to refinance my mortgage, I discovered a delinquent account report from XXXX in the amount of {$100.00}. This only delinquency on my account in 15 years. Needless to say, this cost me {$40000.00} I couldn't have owed XXXX any of the monies in question. My mobile number was with XXXX  for the billable period in question. The XXXX  number was no longer part of the account. 

A rep later informed me that the bill was generated from the XXXX. If that was even so, it does make sense that I would owe {$190.00} or XXXX. I was no longer paying the {$20.00} for data service for the iPad. That's reflected in bills. Have XXXX produce that. The bill for the line was {$5.00}. So for argument sake, if I was being billed for the XXXX line, the most I could have owed was {$10.00} plus tax ; XXXX dollars for XXXX, and XXXX dollars for XXXX. 

I believe that this was a vindictive undertaking from someone in the billing department because I had to audacity to let them know I had excellent credit while porting my number.
Product: Credit reporting

This account has never been charge offAccount Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit LimitXXXX XXXX/XXXXShow Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX $ XXXXnever charge off paid in fullAccount Name Account Number Date Opened Balance Date Reported Date of last reported update. Past Due Status Condition of account when last updated by creditor or otherwise. Credit LimitXXXXHide Details XXXX XXXX/XXXX/XXXX {$100.00} XXXX/XXXX/XXXX CHARGE-OFFXXXXXXXX, WI-XXXX
Product: Credit reporting or other personal consumer reports

A premier credit card account is being reported by XXXX, TransUnion, and XXXX. 

This accounts last update occurred on XX/XX/year>. As per the information documented in the comments, this account was falsely listed as being compliant with FCRA regulations. XXXX even attested to this, with records indicating supposed verification of reported data by the company. However, I contest the accuracy of this account.

Despite federal law obligating the furnisher to rectify and refresh the account, it persists with discrepancies, including missing, inaccurate, and inconsistent data, knowingly reported by the company.

TransUnion lacks payment history for this account, while XXXX and XXXX display numerous inconsistencies in payment records.

All major credit bureaus exhibit deficient, inaccurate, or inconsistent data regarding this account. Accordingly, I request the deletion of this account due to inaccuracies and FCRA 623 violations.

According to the Duty of Furnishers to Provide Accurate Information : ( A ) Reporting information with actual knowledge of errors or after notice and confirmation of errors is prohibited.

If this account remains undeleted, I will presume willful noncompliance, subjecting the company to liabilities including actual damages sustained by the consumer and legal fees, as outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. ( XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX account number ( XXXX ) XXXX. XXXX XXXX account # XXXX. XXXX XXXX XXXX XXXX XXXX account # XXXX. XXXX. XXXX acc # XXXX XXXX XXXX account # XXXX XXXX. DPT EDXXXX account number XXXX. XXXX DPT EDXXXX ( XXXX ) XXXX. DPT EDXXXX ( XXXX ). XXXX. DPT EDXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$4500.00}. XXXX XXXX XXXX XXXX {$410.00}, XXXX {$360.00}, XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 


ACCOUNTS XXXX XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX  XXXX not mine
Product: Credit reporting

I saw XXXX on my credit for an apartment. I never had an account nor have I ever lived in that apartment. I disputed it with Equifax and sent a copy of my FTC FRAUD AFFIDAVIT. I am a victim of identity theft. Equifax sent me the results that did not mention XXXX. EQUIFAX is continuing to report this fraudulent account on my credit
Product: Checking or savings account

I was constantly charge for overdraft fees. I do not remeber the dates as this was a while ago. I spoke to the branch manager and they removed one here and there but the fees still continued.
Product: Debt collection

On today I received a letter in the mail by Credit Collection Services, XXXX XXXX XXXX, XXXX, MA. XXXX saying that I own the creditor who is XXXX XXXX XXXX XXXX. XXXX. XXXX in the amount of {$140.00}. They want me to pay a discounted amount in the amount of {$56.00}. I today called them, and told them how can I own XXXXXXXX XXXX XXXX XXXX XXXX XXXX when the COMPANY XXXXXXXX XXXX XXXX XXXX XXXX  XXXX sent me back a check for over payment because I paid them off in FULL with an over payment. This debt collector has broken the LAW of the Fair Credit Billing Act, Fair Credit Reporting Act, Fair Debt Collection Practices Act. I am so tried of hackers getting my personal information of companies sharing my information and damaging my credit and life. This is and should be be totally illegal. I have a frozen all of my information and hackers are still using and getting information from companies who are sharing people information worldwide this is not right.
Product: Credit card or prepaid card

Comenity Bank has done the following injustice to me, My XXXX XXXX, and my Credit Report. Without my authorization they closed the following accounts resulting in a lost of {$17000.00} in credit. 

1. BJs Master Card Credit Limit {$5000.00} Acct # XXXX XXXX XXXX XXXX Comenity Bank/Comenity Capital Bank reason for closing my account they stated that I have to many inquiries on my credit report and this was after my application for a line of credit of {$5000.00} was approved and before I received the physical card in the mail. 

2. XXXX Visa Credit Card Credit line {$12000.00} Acct # XXXX XXXX XXXX XXXX Comenity Bank/Comenity Capital Bank sent me a letter stating that XXXX  went out of Business and that my card will no longer be accept for purchases. I contacted Comenity Bank via telephone asking will this affect my account and the representative said no because XXXX  Card is a Visa card it will be accepted everywhere else. And that I have nothing to worry about and now my account is closed. 

They do not care about there customers and they have this habitual habit of closing peoples account and reporting it to there credit bureau that line was closed by granter and ruining everyones credit scores credit reputation and credit report. They refuse to do anything about but refer you to the credit report agencies that cant do nothing for you. 

Attached is the statement for both card thats were closed proving that I had active accounts. 
Attached is the letter sent to me recently pertaining to my models credit card being closed after they told me via telephone conversation that it will still before and I would be able to make purchases anywhere because its a visa credit card. Attached is a picture of the physical cards.
Product: Credit card or prepaid card

I reached out to Navy Federal Credit Union on XX/XX/2022 to see what my options were for closing my checking account, at that time i was also asked did i want to close my savings account. My intent was to rectify in some way the reoccurring fees to my checking account that i could no longer use due to the balance and lack of deposits. in addition after being asked did i want to close my savings account I was reluctant but I was not using it either at the time so I agreed, the agent went forward to close the accounts without clarifying details that the savings account was attached to the XXXX XXXXXXXX XXXX XXXX which I was not attempting to close at that time After finding out my credit card will now be unusable I was also informed the process could not be reversed.
Product: Debt collection

XXXX XXXX XXXX say i owe XXXX i never had this card in it say open like im using it in i dont even got the card