23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shell Point Mortgage services this account now owned by XXXX XXXX XXXX in Delaware. 
When calling into their service # ( XXXX ) XXXX you can not pay towards your principal balance only the balance or interest payment. When I have held for their associates and attempted to pay towards my principal it does not get applied to the principal and is logged in as partial payment, XX/XX/2018 I called into pay {$270.00} but only {$240.00} was taken by the Shell Point associate, I started getting collections calls even though they state to me due to my Bankruptcy they are not collecting the debt? I called back XX/XX/2018 to pay the additional {$30.00} to find out the {$8.00} was not applied to my principal and this is not first time this has happened. I called XX/XX/18 spoke to two different Shell Point Associates who stated it was my fault and refused to transfer me to a manager. The two calls took place around XXXX XXXX CST. I was just left on hold or transfer back to hold que each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX XXXX  Shows balance of {$530.00}
Product: Debt collection

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

In XXXX i opened an American Express Blue cash card and received a SUBSTANTIAL credit limit. I have utilized this card for various purchases. I have made my payments on time every month. In XXXX i paid the card off in full. I did not use my card for purchase for roughly 6 months. Recently on XX/XX/XXXX I tried making a purchase and was declined. I was shocked due to the credit limit i had on the card. I called the number on the back of the credit card and found out that my card was on hold. This really took me by surprise. Then within minutes of the phone call i received an email telling me that my credit limit was decreased considerably. I was never informed of this until i tried making a purchase. I checked my card activity every month for monitoring purposes and never seen a decrease. Then the following day i received an email informing me that i have a message on the cards web site. The message informed me of the credit card companies decision in lowering my limit. It stated, Amount of your payments in relation to the overall balance on your American Express accounts. Which is false due to the card having no balance owed. The next reason listed was, Amount currently outstanding on your American Express accounts is to high relative to the income you provided on your application. Again this is false due to not having any outstanding amounts on this card and my income was the amount mentioned on my application and only went up in time. Remember I check the web site monthly for security reasons. The balance is XXXX and nothing due at this time.Then the email goes further regarding my FICO score which at the time of the card company running it recently was in the 700s. Now at the time of me opening the card my score was roughly the same and the credit information was about the same as well. There was some new accounts added of course. Which is understandable in time. Due to the companies decision making my FICO score will change drastically due to the depth to income ratio. I believe the companies decision was very harsh and wrong. This is not how you treat a loyal and on time paying customer. Ruining someones credit is wrong. Especially when your never late on making payments and paying a balance off. I am writing this to inform anyone that was thinking about opening an American Express Credit Card to really think twice. This company will ruin your credit even if you do make payments on time. I will provide information when asked to back up my statements above. I do not want to upload this personal information due to being snap shot pictures of my accounts web site.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

On XX/XX/2018, our home suffered a flood from a water pipe that burst after freezing. We documented everything and had our insurance company send repair funds to our mortgage company, Mr. Cooper/Nationstar, formerly XXXX, instead of sending the funds to us. The funds were to be applied to our principal, an option that we have the right to exercise, and which we designated at the time. Mr. Cooper put the first check for {$10000.00} into an Loss Mitigation account, and would not release the funds to apply to our principal, saying our account was " not current ''. Several months later, Mr. Cooper received another check form our insurance company ( XXXX XXXX ) for {$51000.00}, which we also designated to be applied to the principal. Mr. Cooper applied {$41000.00} to the principal and took the remaining {$10000.00} which has not been accounted for, but we were told that brought the account up to date and current. Mr. Cooper did not provide an accounting of this activity, despite our requests. Our account was current and the original check for {$10000.00} was still not applied to the principal. Mr. Cooper then stated that we needed to send in an affidavit stating that we wanted these funds applied to our principal, which we did. We had done this previously as well, but the first affidavit was ignored. The second affidavit was ignored also, and Mr. Cooper still did not apply our {$10000.00} being held in Loss Mitigation to our principal. 
Mr. Cooper called this morning, XX/XX/XXXX, to state that now they want " Contractor documents '' ( but did not state specifically what they wanted ) before they would release the {$10000.00} held in Loss Mitigation to our principal. When asked what documents specifically they wanted, she said only " Contractor documents '' and said she would transfer me to Loss MItigation to discuss this further. I told her every time I have spoken to Loss MItigation they send me back to Customer Service, who then wants to send me back to Loss Mitigation. Loss Mitigation continues to tell me that my account is not current and that I need to send in an affidavit ( which I did already and which they did not honor ) to release the funds from Loss Mitigation. I am livid and infuriated that this circus is allowed to go on while they threaten to take our home from us and while they are holding a large sum of our money that does not belong to them. This company should not be allowed to operate and should be fined and shut down.
Product: Credit card

Synchrony Bank closed my account for amazon store card through fraudulent means and claimed that I asked them to close the account when this is not true at all. They then proceeded to steal my security deposit and ruin the credit store by closing the account when I did not give them permission and thus there reasoning is unjustified
Product: Credit reporting or other personal consumer reports

Ive paid off about 8 credit cards collections within the last month or show and i have yet to get removed even though balances show {$0.00} dollars and paid in full. I have letters account settled or paid in full. Yet i have yet to have them removed still showing on equifax and fico and experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked College Foundation of North Carolina to look into why i have three derogatory late payments on my credit when i have never been late since have this student loan for over 15 years. It was set on automatic pay. They are refusing to show where they made the mistake and it has adversely affected my credit for the past several years.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 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 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 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.
Product: Credit reporting or other personal consumer reports

You, the CFPB have continued to play games, acting XXXX XXXX as if you can not read and understand the details of the Notice of complaint sent to you demanding the deletion of the unlawful Negatives on My XXXX and XXXX XXXX XXXX. I have sent in and filed a 1099c to Report your willful negligence, and lack of Assignment Contract Proof or Bills Of Sale. I am sickly disgusted with YOUR CHILDISH and Unlawful activities misappropriating my Social Security Number Identity. I will pursue damages with my proof that you willfully play games and ignore my demands for deletion of the Negatives. YOU have already been provided copies of THE FRAUDULENT LIENS that you choose to IGNORE but I will be SURE THE COURTS STICK THEM TO YOUR FOREHEAD so you can see them UP CLOSE, You DO NOT HAVE ANYTHING BEARENT OF MY SIGNATURE in CONSENTING nor is THERE ANY MUTUAL ASSENT under 4 Corner Contract Regulations, I will make sure THE COURTS HAVE COPIES OF WHAT HAS ALREADY BEEN PROVIDED TO YOU. Including the 1099c.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  The Supervisor at Transunion XXXX XXXX hung up the phone on my call to delete the alleged claims while I was still trying to get the correct information regarding fraudulent claims against my consumer report. On XXXX XXXXXXXX  I sent a response letter to XXXX XXXX XXXX, Attorney hired by XXXX XXXX never got a response, I sent out the same letter again never received a direct response regarding my response asking for the alleged debt to be validated. XXXX XXXXXXXX I received confirmation that the response was acknowledged. XXXX XXXXXXXX  XXXX XXXX XXXX stated they hired XXXX XXXX XXXX as an attorney and XXXX XXXXXXXX sent me a statement stating they would be foreclosing on my homestead on XXXXXXXX XXXX and they have not responded or validated the claims against my property. It is now XXXX XXXXXXXX and there has been no valid debt validation they have furnished fraudulent claims against my consumer reports. Neither company has responded to my request in a timely manner nor validated the information that I requested pursuant to 15 USC 1692g,15 USC 41 consumer protection, RESPA, FCRA and TILA. Fraudulent practices are a violation under state and federal laws.
Product: Payday loan, title loan, or personal loan

I started receiving harassing and threatening phone calls and text messages from a guy who told one of my old coworkers we were old friends whom also lied to me when I asked who the person was and claimed we were friends.After several attempts to get the person to identify themselves he then said he was calling on behalf of a payday loan company and proceeded again to make threats towards myself and my family. I contacted the company and explained all of this to them and asked what was going on and they said i owed money and that was their processor. This loan was from 3 years ago and to my knowledge was paid off in full. i asked to speak to the manager that helped me and they refused to give me any information on the person, I later found out that person was let go from their job I began to explain I just came back into town nd no one has ever contacted me regarding this debt. the person began to cut me off and get very hostile over the phone, i explained all the documents I had I had to locate due to loss of item from a disaster. they refused to work with me and continued to have that guy threaten and harass me and my family, after explaining to the company I do not have a place to live, no vehicle due to the circumstances I'm going through and looking for a new job because right now I'm only making $ XXXX/hr and tried to get a settlement amount and I did not feel comfortable nor safe because of the threats from their processor their response was they don't care and he will continue to harass me. I complained to the district manager and that person was even ruder towards me and lied saying they would have someone else contact me. the next day that guy came into my work place causing a big scene threatening me and throwing papers at me then called me XXXX slurs. I am completely appalled and disgusted by these people and this company. i tried contacting the owners and they never returned my calls.
Product: Checking or savings account

Hello im no longer with bank of America I closed my account years ago. I had bank with them for years they had changed me XXXX of dollars overdraft fees and I called and explained to them the problem and they never corrected it. So I just close my account they really need to be responsible for taking all that money from their customers thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX & XXXX  XXXX 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

I disputed unauthorized accounts being published on my credit reports with LVNV Funding LLC on XX/XX/2023 and XXXX, 2023. LVNV Funding LLC has intentionally failed to provide proper and legal validation of the debts. I have requested several times to provide the following legal documentation : XXXX. Your lawful authority to collect without my consent or XXXX. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature XXXX. An original contract between me and XXXX XXXX XXXX with my wet signature XXXX. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 

XXXX. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA. 

XXXX. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. 

I have not receiving any of the requested legal debt validation and the accounts remain on my credit report damaging my credit.
Product: Debt collection

I.C. SYSTEMS PUT A {$1400.00} COLLECTION ON MY CREDIT REPORT SENDING IT DOWN 70 POINTS. 
THIS COLLECTION WAS FROM A SCAM MEDICAL FROM THE XXXX XXXX. 
I DO NOT OWE THIS AMOUNT AND IF I HAD MEDICAL WORK IT WAS PAID BY MY INSURANCE AND I DON'T GET {$1400.00} OUT OF POCKET BILLS.
Product: Debt collection

Coast Professional , Inc is a debt collector. In late XXXX they falsely reported a debt on my credit report. It took me over 12 months to get Coast Professional , Inc to  deleted the debt from the 3 credit bureaus. They finally took it off when I involved the State of Arizona, Department of Financial Institutions and the Arizona Attorney General. 
On XXXX/XXXX/XXXX they responded to the State of Arizona, Department of Financial Institutions and on XXXX/XXXX/XXXX they responded to the Office of the Arizona Attorney General that on XXXX/XXXX/XXXX they requested all credit reporting bureaus to update and remove the reported information by Coast. However, their inquires still remain. I have again started the process for them to rectify their mistake and removing any/all inquiries yet I have gotten nowhere and now for the past 12 months I have continued to use my time rectifying Coast Professionals mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a home and when the lender pulled my credit they are indicating that there is a judgment reporting from someone by the name of XXXX XXXX. I haven't spoken to that person in over 8 years and then all of sudden a judgement listed on a report? I have never even heard of lexis nexis until my lender told me. I was told this was back in 2012 which after looking at the FCRA it shows that public records other than bankruptcies are only to report for 7 years but this is past 7 years.
Product: Credit card or prepaid card

I received a PayPal prepay card and loaded money onto the card. After making a few purchases I started having trouble sending money. The next morning I received a message about my account being blocked. And they were holding my money for 180 days. 
I have called numerous times and only get an automated answer about their call support center be closed due to COVID-19. It has taken me all day repeated to even get someone to message me back. 
Then I get the run around and sent to someone else who half the time ends the conversation before I can answer. I have asked to be co tacted my someone with more authority and they tell me to call customer service. I have explained to them that the call center is closed and they tell me to wait a few more days. 
I prepaid this money onto my PayPal and now they refuse to allow me any a cross to it or even speak to me about it.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent Transunion a certified letter asking them to investigate a public record on my file because the reference number/ docket number was incomplete. On XX/XX/2023 I received the dispute results letter from Transunion which stated that the public record was accurate and verified. ( File number XXXX ) On XX/XX/2023 I wrote a response letter asking them to provide me a description of the procedure and to include the business name, address and phone number of the data furnisher who provided them the information, and if they could not provide the information then they needed to delete the information because there was no way they could confirm to me that they even did a investigation. About a few days later I receive a email from Transunion and they sent me a generic outline of how they conduct all investigations but did not provide me with XXXX  data furnisher information where I could contact the data furnisher.