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

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX 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 XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECCRED Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXXr system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX Account Number : XXXX I didn't provide permission for this account to be reporting to my credit report please remove or i will seek legal compensation 3. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 4. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 5. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 7. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report XXXX. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 9. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 10. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 11. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report 12. I did not authorize these inquiries please remove this from my credit report XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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

My credit report is showing information that does NOT belong to me. I have reached out and sent the letters and am currently being ignored. I have not received any response from XXXX, XXXX, OR Experian. This information is incorrect and must belong to someone else because I have never lived at the properties associated with said accounts Accounts Listed Below : XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) - Reporting on XXXX XXXX Experian I reached out to the collection agency and they are reporting an address I have never lived at. 

XXXX  XXXX - Account Never belonged to me. My Identity must have been stolen and used against my will. It says the account was a paid collection, but it NEVER was mine to begin with. I would like this information removed Immediately. 

I have sent Certified letters to them as they instructed me to do and they have been ignoring me and not giving me any options to call in and handle this over the phone. They are not acting in compliance with the FCRA by not responding in a timely manner and are infringing on my consumer rights Here is the tracking number for all the letters that I've sent. 
XXXX : XXXX ( Received XX/XX/2023, XXXX am ) Experian : XXXX ( Received XX/XX/2023, XXXXXXXX XXXX ) XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX ) I sent all of these letters on the same day which was XX/XX/2023 As I mentioned I have not heard anything back from them and CAN NOT get them on the phone to discuss what is happening.
Product: Checking or savings account

I closed my account with Wells Fargo after banking with from XXXX. Last overdraft I attempted to dispute the charge that took a significant of portion my check. It shouldnt have due to the fact I had direct deposit the following day. Im not going to argue with a financial institution with access to my money. Ultimately, closed my account and changed banks. Ive also had instances fraudulent charges to checking accounts I asked to be closed or have the account number changed. I have yet to encounter constant overdraft fees from holds from the bank I am at now. With my account from being closed at Wells Fargo Im not sure how to proceed with seeing if I am entitled to the settlement by going over documents. Claiming email correspondence is not secure from the financial institutions website/application also seems like it could make keeping documentation difficult.
Product: Credit reporting

On XXXX/XXXX/2016, I spoke with Transunion 's Supervisor XXXX and he indicated that even though I submitted documentation to support my recent credit reporting disputes Transunion is not responsible for looking at disputes. The creditor is even though I provided official documentation from the creditor. So Transunion has failed to uphold their investigation.
Product: Payday loan, title loan, or personal loan

I am XXXX XXXX and I am submitting this complaint myself and there is no third-party involved. 

I XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan was denied my right of credit by Capital One Bank . 

Capital One Bank ( USA ), N.A. d/b/a Capital One has now denied my right of credit to me, XXXX XXXX, consumer , natural person and original creditor of an open-end credit plan. I was notified of this transgression of my rights, specifically 15 USC 1601 the Truth In Lending Act by Capital One Bank ( USA ), N.A. d/b/a Capital One. on XX/XX/2021 via U.S. mail. Capital One Bank ( USA ), N.A. d/b/a Capital One. is out of regulation and has violated 12 CFR 1002 and has officially discouraged me even though it has been clearly regulated that I am protected from the beginning of an application process to the end of the application process. How is it that Capital One got what they wanted out of the application process but I did not benefit as well? Pursuant to 15 USC 1602 definition of the Truth In Lending Act I as a natural person possessing an open-end credit plan was harmed by Capital One Bank ( USA ) , N.A. d/b/a Capital One. Card Adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ) Capital One Bank ( USA ), N.A. d/b/a Capital One. is now civilly liable to pay me for the damages and honor my open-end credit plan.
Product: Debt collection

XXXX is reporting a collection account thats not mine. XXXX XXXX XXXX {$620.00}. I had never had a XXXX account and never will.
Product: Mortgage

NewRez, LLC/Shellpoint Mortgage Services ; our mortgage servicing company, made a billing error on our mortgage account that has adversely affected our credit rating. Despite efforts to resolve this issue, NewRez/Shellpoint has not responded to a written request dated XX/XX/XXXX, to correct their billing error of {$180.00} and reported us delinquent to credit bureaus. 

My wife and I refinanced our VA loan with XXXX XXXX XXXX in XXXX of XXXX. The monthly loan payment was {$4500.00}, which included principle, interest, and escrow ( taxes and insurance ). 

In a letter dated XX/XX/XXXX, we were notified that NewRez LLC was going to service our mortgage account. As directed in that letter, effective XX/XX/XXXX, we made our loan payments to NewRez/Shellpoint in the amount of {$4500.00} via our banks bill pay service. 

We received a hard copy billing statement each month indicating {$4500.00} was the total amount due. For an unknown reason, the NewRez/Shellpoint XX/XX/XXXX, billing statement indicated the total amount due was {$4300.00}, not {$4500.00}, {$180.00} less than normal. A payment of {$4400.00} was sent on XX/XX/XXXX. Note, by rounding the amount up, we had unwittingly narrowed the NewRez/Shellpoint initiated/created deficit amount to {$160.00}. 

Upon returning from being out of town the last week of XXXX and the first week of XXXX, we finally learned of the XX/XX/XXXX, notification from NewRez/Shellpoint indicating thaXXXX our mortgage payment for XX/XX/XXXX was over 17 days past due. We were very concerned as we knew we had not only made the XXXX payment, but the XXXX scheduled payment amount of {$4500.00} as well. We called NewRez/Shellpoint on XX/XX/XXXX to discuss the late fee of {$140.00} and delinquent balance of {$160.00}. The agent waived the late fee charge and we immediately paid the balance via our banking institution as is reflected in the attachments. 

We thought the matter resolved, but we also received a legally required notice on XX/XX/XXXX, dated XX/XX/XXXX, indicating that we had recently missed our mortgage payment. We were given a point of contact to call, XXXX XXXX at XXXX, ext. XXXX. After several attempts to contact this induvial on XX/XX/XXXX and XXXX without success, we drafted and mailed an Error Resolution Notice under 12 C.F. R to NewRez/Shellpoint to address this situation. We have received no further contact from NewRez/Shellpoint other than the monthly billing statements. We have reviewed our credits reports and note adverse reporting that the XX/XX/XXXX billing was 30 days in arears. 

Attachments include copy of letter to NewRez/Shellpoint and mailing information with receipt confirmation.
Product: Mortgage

SLS just started servicing my mortgage account effective XXXX/XXXX/XXXX. They are trying to raise my payment from XXXX to XXXX because of an escrow deficiency that is not there. My taxes and insurance are less than XXXX a year and they are requiring and escrow payment of XXXX, the current escrow balance is XXXX and my taxes are due XXXX/XXXX/XXXX and insurance is due XXXX/XXXX/XXXX. This new amount will cause financial hardship and is not necessary. With this new requirement, by Escrow account balance will be {$3700.00} on XXXX XXXX, XXXX. That is over a XXXX surplus by the time my insurance bills in XXXX XXXX.
Product: Checking or savings account

I received a debit card, via mail, from Chime despite never applying for an account. This approximately occurred on XX/XX/2024 ( I did not go through my mail until the evening of XX/XX/2024 ). 

My credit has been on fraud alert for over a year, so Chime should have verified with me before opening the account ( which they have not ). 

I sent an email to Chime support, asking to closing the fraudulent account, and provide confirmation once complete. This was sent early XX/XX/2024.
Product: Credit reporting or other personal consumer reports

Barclays Bank Acct # XXXX the account has been paid and it is still reporting as a negative on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old and inaccurate information is being reported to potential rental apartment companies prohibiting me from being able to rent.
Product: Credit reporting or other personal consumer reports

Loan Paid in Full : The loan associated with this credit card was paid in full at closing, in compliance with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which states that loan proceeds credited to a customers demand deposit account constitute a cash receipt by the customer, meaning the loan was effectively paid off. 

Late Payments Reported : Despite the loan being fully paid, the account reflects XXXX late payments. This is incorrect, as there should not have been any outstanding payments after the loan closure. 

Refund Due Under Public Law 73-10 ( HJR-192 ) : As per Public Law 73-10 ( HJR-192 ), the loan was discharged through credit, and I am entitled to a refund of any prepaid amount that remains on the account. 

Account Status and Correction : The account was closed in XX/XX/year> and marked as paid. However, it still reflects an inaccurate history of late payments, which should be corrected. Additionally, there has been no refund issued for the prepaid loan balance, as required by 15 U.S. Code 1666d.

Requested Actions : Refund of Prepaid Loan Balance : I request that the prepaid loan balance be refunded pursuant to 15 U.S. Code 1666d.

Correction of Credit Report : I request that XXXX XXXX XXXX XXXX correct the credit report to reflect that the loan was paid in full and update the account history to remove the inaccurate late payment entries. 

Clarification of Loan Status : I request a clarification of the loan status, ensuring it accurately reflects that no further payments are required, and the account was paid off as of XX/XX/year>. 

Thank you for your attention to this matter. Please review the details and take the appropriate steps to address this complaint. I appreciate your timely assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifiax XXXX XXXX XXXX are all reporting a balance of 1581 of a XXXX loan that I do n't own that balance the XXXX XXXX XXXX XXXX was suppsoed to pay this amount but have n't payed this is incorrect information
Product: Student loan

Navient improperly calculated the monthly payments on a series of student loans by improperly using a shorter repayment/amortization schedule than was contained in the loan document. This has led to significant acceleration of the debt repayment and has caused financial harm and hardship in making higher payments than were required.
Product: Credit reporting or other personal consumer reports

Transunion is a massive multi-billion-dollar company without competition and has almost no competition. My needs have not been addressed the company has nearly total beaurecratic power and no competition as the business is presently structured. They need to have the manpower to justify this and attend to the needs of tens of millions of customers and which they at least have not done with me. I need the damaging false credit information removed from my credit report immediately and the creditor blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Synchrony Bank. I've had this Paypal Credit for over a year and which they never reported and in XXXX of XXXX they decided to start reporting to the Credit Bureau 's and reported that I missed XXXX payments. I have my bank statements as proof that I did submit payments and want this updated since it completely dropped my score and since has been completely paid off. If they are not willing to update accordingly I will go further to contact a Credit Attorney and file a lawsuit because of how bad this one account has messed up my credit. In the pictures below I submitted will show XX/XX/XXXX I made a payment of {$40.00}, XX/XX/XXXX payment of {$25.00}, XX/XX/XXXX a payment of {$30.00}, XX/XX/XXXX payment of {$25.00}, XX/XX/XXXX payment of {$50.00} and XX/XX/XXXX payment of {$30.00}. Then XX/XX/XXXX I completely paid this off!! They have not reported a handful of payments nor have they reported that it's been paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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. 
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 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 or other personal consumer reports

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

inaccurate information such as an account, balance, payment history, and address on multiple accounts that I have disputed before was removed then in less then 1 busied day Experian said never mind all information has been verified which is extremely disingenuous. Despite my clear evidence that the information was incorrect, Experian verified the inaccurate information as correct and did not take reasonable steps to investigate or correct it, as required under the Fair Credit Reporting Act. Experian failed to conduct a thorough investigation of the dispute, provide me with the results of the investigation in a timely manner, correct the error after receiving evidence of its inaccuracy and explain why the dispute was not resolved in my favor. As a result of this inaccurate information, I have been negatively affected, including financial harm, such as being denied credit, higher interest rates, or emotional stress. This is a direct consequence of Experians failure to correct the inaccuracy in my credit report despite my repeated attempts to resolve it
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these addresses according to the Per FCRA 605B ( 15 U.S.C. 1681c-2. It is not authorized to fail to validate these reporting addresses as unverified information without providing any proof within the period allowed by law. The following addresses need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my paperwork, and I have submitted now a second time. There are wrong addresses, names, accounts, etc. 

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

have been trying to get negative items removed from credit reports ; I have always paid cash for items ; have never had a XXXX XXXX account there is not contract the account is not mine would like it to be removed along with all the errorous XXXX  accounts I do not have any children never been married so do not know how or why someone child support account would end up on my file and numerous time there is like 5-6 different account numbers all varies amounts, dates etc which are all invalid because I do not have any children, have contacted XXXX they state I am not in their systems and they do not send in information to credit reporting agencies so do not know how its attached to my file would like it removed immediately.
Product: Credit card or prepaid card

Contacted local store today followed up with calling Synchrony Bank and filed a police report. 
Contacted XXXX Social security number was used
Product: Student loan

Today is   XXXX   XXXX   XXXX     and for a couple of days now I have been trying to resolve and deformant my loans for now since I will be delivering my second baby in  XXXX . I have been trying to explain that to them from Customer Service to the  Manager  and they are demanding that it does n't matter to them and they will need a payment asap.. It 's very sad and ashamed that they ca n't hear there customers and instead wants their money. I 'm fed up and tired.     My husband has been unemployed since  XXXX  of last year and I had told them I am the only  one  working and I 'm the  one  making the Income as for now.     This really needs to be resolved and looked into asap I ca n't do this anymore.