23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - Shellpoint has confirmed that there would be no negative credit reporting, although they admitted to making the mistake of filing negative credit, but have now completed the corrections on the other two reports. XXXX  is still showing >120 late. Although confirmed that the forbearance could not be reported as negative credit, it has not yet corrected.
Product: Mortgage

we got move over to SPS XX/XX/XXXX or XX/XX/XXXX because we file and complaint about XXXX to XXXX XXXX, ( Many many times ) XXXX was doing the same thing SPS is doing. We decided last XX/XX/XXXX we wanted to pay our house off within 5-6 years. So we work up a plan and started paying an addition {$1200.00} towards our principal ever month. 

I call the payment in to there office and talk with someone that this payment is to be applied to principal only! They applied the payments to everything but the principal they paid off some late charges with some of the money and I told them leave on the accounted till after where done because XXXX XXXX agree to pay them but they still did not listen, I talk with XXXX XXXX They got them to start putting the money to where I wanted it to go and take the money they put somewhere else back to principal that work for about a month now there back again putting the money everywhere but principal. 

Today I spoke with an SPS staff about where my {$1200.00} went that I payed on XX/XX/XXXX she said some went to interest some went to escrow some to taxes this is a game they play ever month and am ready to walk a way from this house! Because we never reaffirmed after a bankruptcy in XX/XX/2009 we can walk away and not get any ding on our credit report! Right now our congressman is getting involved and our local news ( XXXX ) Has agree to get involved ( Must be election time of the year ) I will email you documents there at my other office where they have move the money back to principal ever time XXXX XXXX has got involved I should not have to do this ever few months. This company is trying to take advantage of people to make them pay more interest when they move the money back it's not post -dated to where it was when I made the payment and more interest is on my accounted, We will NEVER pay off in the 5 years as we would like. I have ask XXXX XXXX to move us to a new bank that will not play this game OVER AND OVER EVER-MONTH! 

Thank you advance for any help you can provide because by XX/XX/XXXX if this is not work out we are walking away from this house. 

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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX XXXX XXXX taking six courses a semester while working a 40 hour week job. I Iost my job and could not pay my XXXX XXXX credit card ( {$2000.00} ). A few months later after I was situated at a new job, I received a letter for the option to pay a lump sum of {$1400.00} in order to " settle '' my account. I paid this lump sum with the entirety of my paycheck ( s ) in the course of just two weeks! XXXX from the credit card department assisted me in taking these payments. 

I called back to confirm everything was done and I would no longer be harassed by their credit department, was told I was good to go. Of course that was not the case, not only was I still harassed, my credit report showed that just two months later, this account was " Charged off as bad credit '' as opposed to " settled '' ( TransUnion ). I made a complaint and nothing happened. I also noticed the balance of the account was not XXXX, but $ XXXX< ( The amount not paid in the settlement ). Every month it grew higher, it's as if they lied and just took the lump sum and wanted me to pay the rest! 

I called back XXXX XXXX and was now greeted with a XXXX XXXX   named XXXX ( XXXX ext XXXX ), who kept hanging up on me after treating me like a criminal. I reported him to his boss with a recording of the phone call that received over 50 angry comments on XXXX, he did not return my call.
Product: Debt collection

I recently discovered several accounts on my credit report that are inaccurately reported. These accounts include a collection with LVNV FUNDING LLC and a charge-off account with XXXX XXXX XXXX . I want to emphasize that I do not owe any debts associated with these accounts, and they should be promptly removed from my credit report to reflect accurate information. I believe these inaccuracies are damaging my credit score and financial reputation unfairly. Your assistance in resolving this matter would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit it is my understanding that you will investigate these items for me to ensure accuracy. Here is the items i am asking you to verify as accurate. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX Equifax XXXX XXXX XXXX
Product: Vehicle loan or lease

New car loan with Ford Credit early XXXX. I made first payment and requested ammortization schedule for the loan. Ford is refusing to provide this.
Product: Money transfer, virtual currency, or money service

The issue is regarding Venmo. Venmo suspended my account for the reason of " suspicious activity '' on XX/XX/2023. Venmo will not help you on the phone in regards to a suspended or frozen account. They only use email for these matters. My behavior on Venmo has not changed and is not against any policy from what I've read. I have always purchased Crypto in my Venmo account for well over a year. Venmo does not respond or help in anyway nor have they given any specific reasons as to what the suspicious activity was according to them. All the money in my Venmo account is mine and it is over {$5100.00}. Venmo did respond to my first email on XX/XX/XXXX. The email stated youqr account will require further review and we will get back in touch with you. Venmo has since NOT responded to several follow up emails. Venmo is holding and not letting me get or have access to my {$5100.00} and is causing severe financial and emotional hardship. These type of practices in the financial industry should be outlawed and the consumer should not be put in these situations when it comes to a money transfer company. Holding funds without cause, consumer can't do anything for 180 days because of a bogus " user agreement ''. They are the type of predatory practices where the companies doing this sort of thing should be brought to justice.
Product: Debt collection

I do not believe that I owe any debt and I have requested to PNC to verify the debt by providing certain information like the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves that this creditor has suffered a loss. To date I have yet to receive a response. I have attached the dispute letter that I have sent them.
Product: Payday loan, title loan, personal loan, or advance loan

Thursday XX/XX/year> I gave this company my ID, social, bank and routing number, debut card number and other identification information. They told me I was approved for {$1000.00} and would have it deposited into my account the same day. I never received the money and they scammed my out of my identity! 
I demand the CFPB shut this operation down immediately.
Product: Debt collection

Sent letter trying to collect a debt they thought I was a cosigner on as reported by the real estate company. 

They did not confirm that I was not a responsible party
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found some inaccuracies. I have enclosed a copy of my ID as proof of my identity and mailing address, and credit report number. Please remove all other names and pervious addresses from my credit report. 
Please mail me a copy of the complete consumer file that you have on me after you act on this dispute. If verified, I request a description of the procedure used to determine the accuracy or completeness
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My loan is with XXXX. I heard about the lawsuit and I was attending XXXX in XXXX in XXXX XXXX at the time. I wanted to know if I could help you with this. I also would like to place a complaint against XXXX I was promised job placement, I was rushed through the student loan process with very little understanding. Just told to sign here. I had to sign up online. It was all very confusing. They provided very little and now I 'm left with a outstanding debt no job to pay it back. I was wondering if I could be of any assistance toward the lawsuit against XXXX I was rushed into signing documents one after another with little understanding. Sign here, here, and here kinda thing. I feel cheated by XXXX and now they 're gone. Made millions off of people like me. I 've got a useless degree and a outstanding debt. They were the predator and I was the prey.
Product: Credit card or prepaid card

I was noticed on XX/XX/XXXX about a debt with Comenity Bank. I answer my phone on my way to work. When the person told about my debt, I told her I don't have any account with Comenity bank. She asked me if I have a Victoria 's Secret credit card. I said yes, and she explained that card is managed by Comenity Bank. I told her I didn't buy anything recently at VS, so I immediately though it was a fraud because she asked me to pay a minimum by phone. I told her I will call them back when I was at my office. After I entered the VS card website I noticed my last transaction was on XXXX. I had to pay on XX/XX/XXXX {$110.00} and I paid it on XX/XX/XXXX. This generated a {$29.00} late fee on XX/XX/XXXX and an {$2.00} interest charge on XX/XX/XXXX. I never received any notification of this, even when they have my mail address as they recently send me two new credit cards ( I didn't ask for them ) They also have my email. On XXXX they charged me another late fee for {$33.00} and {$2.00} interest charge on XXXX. On the XXXX Statement they charged me again {$36.00} late fee on XX/XX/XXXX and {$2.00} interest on XXXX. The new balance that I am supposed to pay after of these fees was {$100.00} due on XX/XX/XXXX. 
When I call them back on XX/XX/XXXX, I explained to them I wasn't aware of my debt. I just checked my account and saw all the late payment fees. I told them I didn't receive any statement, and the only notice that I have was the lady that called me in the morning. I didn't agree on paying lates fees and interest over a late fee. I agreed to pay just the first late fee and interest and settle the debt. When they agreed to that, so I agreed with them to charge my XXXX checking account for that amount. XXXX XX/XX/XXXX I received a notification that my credit score was affected ( it's XXXX points lower ) because I was in delinquency with this bank. I called them again, and I spoke to another person. They told me I still have a debt that I can pay in installments, When I asked them what happened with my settlement they claimed they didn't have record of that. I told them that was very unfortunate, but since this was affecting my credit score I agreed to paid the remaining amount ( {$66.00} ), and I also closed my credit card. This time they gave me a confirmation number XXXX
Product: Debt collection

I am writing to formally dispute the accuracy and validity of the information listed on my credit report regarding the account associated with XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). After thorough review and consultation, I have determined that the reported information is incorrect, fraudulent, and in direct violation of federal statutes. 
Pursuant to the Internal Revenue Code ( IRC ) 6050P, creditors who discharge {$600.00} or more of debt are required to file a Form 1099-C with the IRS and provide a copy to the debtor. To date, I have not received a Form 1099-C for this account. This failure to comply indicates that XXXX  claimed a tax benefit without fulfilling their legal obligation to notify me, which constitutes fraudulent and deceptive behavior. 

Furthermore, this omission violates the Fair Credit Reporting Act ( FCRA ) by allowing inaccurate and incomplete information to remain on my credit report. Reporting such false information to the IRS is a severe offense and exposes the reporting party to significant penalties. 

In addition to fraudulent reporting, the attached documents demonstrate a clear violation of the postal rule on the part of XXXX, further compounding their unlawful actions. Such negligence and failure to adhere to statutory requirements subject XXXX to liability for statutory damages under federal law. 

Unless this matter is promptly resolved by removing the inaccurate and fraudulent information from my credit report, I will pursue all legal remedies available to me. This includes filing a lawsuit for fraud and seeking statutory damages as allowed under federal law. 

I request that the inaccurate information be immediately corrected or removed. Please conduct a full investigation and provide me with the results of your findings. Enclosed are copies of supporting documentation, including evidence of XXXX  postal rule violation and related account records. 

I expect a written response to this dispute within the timeframe required by law, as specified in the FCRA. Failure to comply with this request will leave me no choice but to escalate this matter through legal and regulatory channels.
Product: Debt collection

On XXXX, 2020, I pulled my credit report from XXXX and went over it and found out multiple accounts that were not mine, several years ago, I lost my personal documents, that could be a reason of why those unknown accounts were on my credit report. 
I have no other reason but to believe that I am a victim of Identity Theft, I am dealing regarding Identity Theft Issue with the credit bureaus since I found out, I am almost done, except that I recently received some medical collection letters that I have not idea why I am receiving them. COMMONWEALTH FINANCIAL SYSTEMS , INC, was recently removed from my credit report because I include them on my previous dispute with the Credit Bureaus, unfortunately they still sending letters trying to collect on me, I do not recognize the alleged account with XXXX XXXX XXXX, XXXX, the account does not belong to me, please stop further collection activities. I am hopping that this complaint will resolve this matter, for reference I am uploading the previous package I submitted to the credit bureaus.
Product: Debt collection

HI. I was told to write to you so you could help me. There is a collection agency hurting my credit and it is completely unfair. Many years ago I was very poor and almost indigent. I had to have assistance from the XXXX XXXXXXXX XXXX XXXXXXXX just so I could have a home. When I left the program they send me to collections for {$520.00} dollars. This was in XXXX. I paid this collection back in XXXX once I was able to get on my feet and land a steady job. Since then, this account has been hurting my credit report and I have been unable to buy a house and even renting is almost impossible because this collection shows on my credit report. Even though its paid people and companies still deny me because its housing related. 

I have tried to call Kings Credit for years and they don't care. I ask them to remove it and they tell me they won't. I've even tried calling the XXXX  XXXXXXXX XXXX XXXXXXXX but I can never get a hold of anybody and nobody ever calls me back. I've tried calling the area manager at XXXX and they never return my call. I thought the whole point of the XXXX XXXX was to help people obtain housing when they are unable to or can't afford to do so. I didn't know they would be petty enough to hurt my credit for years after I paid them and stop me from being able to get another place to live or buy a home for my children. This is wrong on so many levels. Please help me. I may have been poor and in a bad place in XXXX, but I am not now. I lifted myself up and am doing what I can to provide for my family, but the XXXX XXXXXXXX XXXX XXXX and their collector Kings Credit is being vindictive and stopping me from being able to do so. I've even let them know this is what they were doing and that it was very ironic that they would want to keep punishing me and stopping me from getting a place to live. Kings credit doesn't care and the XXXX XXXX can't even be bothered to answer their calls or return them. 

Again I am asking for your help. I have suffered enough and want to be able to buy a home for my kids. I have been told that my credit is right on the border of being able to qualify but I just need a few points. Removing this collection from my report would give me those few points and I can finally give my children and I a home. Thank you and I hope you can help.
Product: Debt collection

Company called stating I owed over {$200.00}. I contested it, told them I would not pay them only the original creditor, then asked her to stop calling. I was told they would keep calling and keep reporting negatively to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

9 collection accounts were added work of XXXX, doing my credit score, which was already inaccurate, then ( 8 ) were removed in XXXX of XXXX, score never change back up, the, ( 9th ) was removed XXXX this year and it dropped ( 5 ) more points, some have changed the balance and the last payment dates ( XXXX  XXXX XXXX XXXX ), regions closed my secured card of {$800.00}, {$200.00} had been spent of it in XX/XX/XXXX, I was it phone with fraud department, as it was being breached while they were working on it, at that point I asked for a freeze on the card, next thing I know it was in collections for {$480.00}, I had my own {$800.00}, they won't take it out of collections and return my money, no reason given, bunch of run around. XXXX XXXX XXXX has had a lot of funny business going on with my account and credit cards, extra high balances and payments for the card limit to be only {$600.00}, I asked in branch and can get no staying where even after didn't them on my credit report through Experian, broke down details. XXXX XXXX XXXX, had me in collections for {$650.00}, I disputes it knowing I owed nothing, they removed {$600.00}, but let {$58.00} in, no reason given. XXXX  REPORT ARE INACCURATE, Phone numbers keep getting changed on personal data, making it hard to be identified with XXXX XXXX  XXXX companies, but showing a lot of negative on report along with inaccurate data. XXXX has a medical bill that shouldn't be there. XXXX  with WOW, XXXX, I have had these services, don't owe anything, not showing on XXXX, but it is on the other 2, Please help, thanks.
Product: Credit card or prepaid card

I am applying for the U.S. Bank XXXX XXXX XXXX XXXX  on XX/XX/XXXX, since I receive a mail inviting me to open the account. I am also a US bank checking account customer and a customer for Fidelity Rewards Visa Signature Card which is part of US bank. I have a credit score of over XXXX. In the US bank card application, they don't set any rule for how many recent accounts I should have in order to get the card approved. I applied for the card but the application gets turned down because I have too many recent accounts, however, I only have 3 credit card hard inquiries ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) in the recent 12 months and 1 hard inquiry ( XX/XX/XXXX ) for the recent 6 months, and after XXXX this year, I will only have 2 hard inquiry in recent 12 months, and 0 hard inquiry for recent 6 months. I have attached the credit inquiry from both XXXX and XXXX credit reports in this complaint. This is should not be counted as too many recent accounts in any scenario. If a US bank has any hard rule for how many recent accounts you want to see, like XXXX has a XX/XX/XXXX rule, you should clearly write it up before I send my application, rather than waste one of my hard inquiries and lower my credit score. Now I really think this is unreasonable, and I know several people have more recent inquiries than I did and get approved for this credit card. I feel I have been treated differently and unfairly. When I call the US bank underwriter service for manual review, they just keep repeating like a robot that I have too many recent accounts, and are very impatient and rude. I feel very uncomfortable as a US bank customer now. I would like US bank to treat me fair and equally and manually review my application again. As I have explained before, I don't have too many recent accounts and this is not a valid reason to turn down my application.