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

XXXX, Experian and XXXX are reporting XXXX XXXX XXXX on my credit files on all three files it shows {$3300.00} updated on XX/XX/2022 date opened XXXX XXXX. I have disputed with all three of them to verify and they have returned me answer verified as correct info but when i call the collection company they say its some kind of XXXX  bill XXXX XXXX XXXX. i never got any mail from collection company and no documentation showing what is this for. they dont have any detailed bill or date when or who got treatment for what.
Product: Mortgage

My husband left the home in XX/XX/XXXX. I could not pay the mortgage by myself. I attempted to remodify with XXXX who was our mortgage service at the time. I was given a monthly payment which was higher than the original payment when my husband was living in the house. I sought help from the bar association with no luck. I was finally able to put the house in my name only after the divorce became final in XX/XX/XXXX. Shellpoint became the loan servicer.i cleared out my basement and found a tenant to assist financially.around XX/XX/XXXX I was notified by shellpoint that I was denied a remodification bc I owed too much money. I then put my home on the market and received an offer. I was ready to sign the papers but turned it down bc both my daughters were in school and they begged me to pls try again to remodify. I tried again as a XXXX person bc I left work after XXXX XXXX and have less income. I first worked with XXXX XXXX who requested the same documents over and over again.he finally told me that I needed one more document and after I sent it in my account was transferred to XXXX XXXX.he request the same documents all over again. I went through a cartridge of printer ink in one day making copies.XXXX XXXX proceeded to request the same things again and again. I became obvious that shellpoint mortgage was playing games with me and I have no choice but to sell my house before it is auctioned off. I think that what shellpoint has done is unscrupulous and unfair.my younger daughter is XXXX as well and now she must be uprooted for her XXXX year. I asked XXXX XXXX if I can rent the home for a year and was told no. I would like this company to be investigated for its remodification methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$230.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00}
Product: Credit reporting or other personal consumer reports

In accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. 

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  15 U.S.C 1681 section 602A states : I have a right to privacy.

15 U.S.C 1681 section 604A 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

Fraud / Identity Theft XXXX Accounts opened fraudulently XXXX XXXX ( Personal unsecured Loans ) # XXXX. {$15000.00} Opened on XX/XX/2022 # XXXX. {$12000.00} Opened on XXXX XXXX XXXX XXXXXXXX ( fraud dept ) : spoke XXXX XXXX **** was emailed that inquiries and loans would be removed from my credit reports but to date is false **** requested ip addresses used to apply online and no response ***** told that loans were approved fully online and nobody physically reviewed the application nor verified the identity. 
**** perpetrator used a made up email address and no idea how they were able to obtain approval and funding **** perpetrator used a google voice phone number that is not mine XXXX # XXXX. Prosper Marketplace Opened XX/XX/2022 {$9000.00} *** received XXXX emails each asking me to provide time consuming paperwork and put an unreasonable time frame for them to receive or else they would validate the debt *** have not provided any information regarding how the loan was obtained, information provided, etc. 
**** called customer service multiple times and they were unable and did not have a number to the fraud department ***** to date. Co has refused to provide any documentation on information utilized to gain approval and funding XXXX XXXX # XXXX Security freeze Conf # XXXX
Product: Debt collection

So portfolio recovery has been harassing me for XXXX  years. They sued me. I sent this letter. 
I am writing in response to your letter dated XX/XX/XXXX, regarding the alleged debt associated with XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). I dispute the validity of this debt for the following reasons : XXXX. Address Discrepancy : The documentation provided lists an address of XXXX as of XXXX. However, I have not resided at this address since at least XXXX, making it impossible for this debt to be associated with me during the stated timeframe.

2. Insufficient Validation : The documents you provided do not sufficiently validate this debt. They lack : - A copy of the original signed agreement or contract.

- A complete payment history, including charges and credits, demonstrating how the alleged balance was calculated.

- Proof that your client or you are legally entitled to collect this debt.

3. Request for Additional Information : - The exact date the account was charged off by the original creditor ( XXXX XXXX XXXX XXXX ). 
- Proof of the chain of ownership for this debt, including all documentation showing when the debt was transferred or sold to Portfolio Recovery Associates , LLC.

4. Request for Full Validation : I request : - The original signed agreement showing my liability.

- Evidence that the debt belongs to me, including documentation linking the debt to my current or previous addresses.

- Proof that the debt is within the applicable statute of limitations.

5. Request to Cease Collection Activity : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that all collection activities cease until full and proper validation of this debt is provided.
Product: Checking or savings account

I made a mobile deposit on XX/XX/XXXX through the banking app. The app informed me that my funds would be on hold until XX/XX/XXXX. This is an 8 day hold. {$300.00} was made available but the other {$1200.00} was on hold until XX/XX/XXXX. This was a payroll check from the board of education. These checks were previously on direct deposit, but we changed it from checking to savings causing a pay period to issue a paper check. 
This kind of deposit is my ONLY option as there are no branches or ATM 's within XXXX miles of my home. I have done deposits in this way many times previously and never encountered such a situation. 
I reached out through the website chat feature and attempted on XXXX occasions to ask for the hold to be released. Today, XX/XX/XXXX, I tried yet again and was told that because my account had previously had low balances and insufficient funds, they had to hold my deposit for 8 days. This makes no sense to me because while I have this hold, my scheduled bill pays are returning and I have a low balance despite attempting to deposit money. Further, this has caused incredible financial hardship to my family as we can not pick up necessary medications, put gas in our car, pay our rent, or even get groceries.
Product: Credit reporting, credit repair services, or other personal consumer reports

we just got just 2 situation that all i need to be clear. 
first i call they told me. that the XXXX XXXX XXXX XXXX is not showing on my report. that it was deleted. bout i do have membership with Transunion credit monitor service. they told be it was of my credit and i pull my credit report and it still show only and on my report. request this account to be deleted like it was delete. 
2 they told they will delete all this inquiries. that i have attach ones they get the document from FTC they have it more then one month ago. THEY STILL HAVE NOT REMOVE THOSE INQUIRIS.

THIS IS ALL I NEED TO GET CLEAR. MO MORE NO LESS. 
HERE COPY OF MY CREDIT REPORT FROM TRASNUNION SHOWING THAT THEY STILL HAVEN REMOVE THIS INFORMATION. 
IAM A VICTOM OF XXXX SECURITY BREACH...
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a lot of unidentified inquires on my credit report and it is causing harm to my credit i have a lot of hard inquires and other types of inquiries. some are for XXXX XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card was opened in my name by an unknown person in XX/XX/XXXX with XXXX, XXXX. I did not discover this until months later in XX/XX/XXXX. I contacted XXXX to file a fraud report. Upon review they contacted me back and told me to fill out a fraud affidavit. When I asked questions about the account they refused to answer any questions or give me any information. My credit score has dropped roughly XXXX points.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Debt Validation RequestAccount Number : XXXX To Whom It May Concern, I am writing to formally request validation of the debt referenced above as required by the Fair Debt Collection Practices Act ( FDCPA ). I have received communication regarding this debt, but I am requesting that you provide written proof to substantiate its validity.

Please provide the following information : 1. The name and address of the original creditor.

2. A copy of the original contract or agreement showing I am responsible for this debt.

3. An itemized account of the debt, including how the balance of {$1000.00} was calculated.

4. Proof that you are authorized to collect this debt.

5. A complete payment history, including all charges and credits applied to the account.

In accordance with the FDCPA, I am requesting that all collection efforts on this debt cease until you provide the requested information.

Additionally, please note that I am aware of my rights under the FDCPA. This letter is not an acknowledgment of liability for this debt. I request that you communicate with me in writing only and that no phone calls are made to me regarding this matter.

Please send all correspondence to the address listed above. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute the appearance of this bankruptcy on my credit report. It's concerning because I have a letter from the court explicitly stating it should not be reported to you. Furthermore, the involvement of an unauthorized third party only heightens the absurdity of this situation.
Product: Mortgage

Date : XX/XX/2011 Amount : {$7300.00} Action Taken : Called mortgage bank, my attorney, seller 's attorney, and title insurance company and all multiple times. 
Re : real estate closing transactions I was asked to pay checks for {$23000.00} even though I was supposed to pay {$17000.00} at the closing. I was also threatened by the bank attorney XXXX XXXX XXXX that If I don't pay everything they are asking for, I will lose my down payment and that I will not be able to close anymore. 

I overpaid {$1100.00} city taxes for the property at the closing. And, there is no account of {$6200.00}. 

I explained everything to the bank but they refused to accept my explanation to them and claiming that bank does not own me any money and that all calculations are correct. 

Hud closing document and title insurance closing documents are not matching either. 

My attorney, XXXX XXXX refused to cooperate with me in any manner after receiving his legal fee from me for doing nothing. He even asked me to bring more money at the closing than I should be bringing. 

Moreover, none of these documents have matching numbers
Product: Credit reporting or other personal consumer reports

False information about an eviction that never happened was reported to tenant screening services without my consent, causing me to be unfairly rejected for apartments.
Product: Credit reporting or other personal consumer reports

I checked my credit profile and saw some inquiries that don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery Systems, third party collection agency, for an original debtor, XXXX XXXX XXXX  date XX/XX/XXXX. This debt was never verified. They never sent me a bill or proof of this debt. Already reported this in collection to XXXX XXXX back in XXXX. I disputed this back in XXXX, XXXX and it was removed from my Credit Report on XX/XX/XXXX. 

I receive an alert from XXXX XXXX that there was a negative item reported to XXXX. I have called XXXX  and are of no assistance. Though I have the credit from XXXX, XXXX   and it clearly states this item will be removed on XX/XX/XXXX. It was, until it was re-reported again now. Same Company, same amount. 

This situation has made me sick, I have worked diligently to rectify my credit for over 3 yrs. Letter, disputes, filing complaints. Now this again. How is this legal? This debt, whatever it is, is beyond the stature of limitations of reporting since it is from XXXX. 

They are now starting to robo call me. As of today. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband got a house with me in my name then he XXXX XXXX  me and I moved out and filed for XXXX  and the magistrate ordered him to refinance to get in his name in XX/XX/202. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear TransUnion, Equifax, and Experian I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian, and Equifax for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fails to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlights systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in : a similar manner.
Product: Money transfer, virtual currency, or money service

I have had an account with suntrust bank at XXXX XXXX XXXX florida for 15 years, I am XXXX and I bought a house in XXXX, i have never been in debt, and for the last 10 years, due to the financial problems of XXXX my house has been rented out, i have never had any interest on my savings, so whenever the rental proceeds amounted to a few thousand dollars, I would wire transfer this amount through an American dollar account with : foreign currency direct : they would then pay it into my euro bank acc here in XXXX where I have retired.To do this I had a WTS number and passcode so that when I rang them the money would be transferred to my XXXX acc, this passcode was automatically renewed every 2 years in XXXX, it wasn't sent last XXXX, and for the last 12 months I have repeatedly emailed, phoned, [ at great expense being put on hold for 55 mins of a 75 min call costing over {$100.00} ] wrote to them, they are not taking my calls and not answering my emails, I don't know why, its a very simple request, my supposed contact person at XXXX  XXXX is XXXX XXXX, ive waited another 8 days after I was told to email her by XXXX XXXX at XXXX XXXX XXXX XXXX I have also tried ringing her several times but I just get voicemail, I don't know what else to do, I hope you can help me, XXXX thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A FEW INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. I AM NOT SURE AS TO WHEN EXACTLY WHEN THIS TOOK PLACED BUT WHEN I NOTICED IT I DECIDED TO TAKE ACTION RIGHT AWAY. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH BUT BECAUSE OF THE STATE MY CREDIT IS IN THERE IS NOT MUCH I CAN DO. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit card or prepaid card

XX/XX/XXXX - purchase from XXXX for {$430.00} order number XXXX, placed on my Citi card ending in XXXX. Send for return using sellers XXXX - XX/XX/XXXX seller acknowledges XXXX has been scanned by shipping company for return. Refund 7-10 days. Contact seller when refund not processed. Seller suggests charge back via credit card. XX/XX/XXXX - initiate charge back with Citi. XX/XX/XXXX - citi summarily closes investigation. Refuses to state reason for closure, provides documentation PROVING the seller has access to XXXX and tracking for returns and can show the seller has the merchandise and my money citi states they Advocate but have NO mandate to actually investigate the disputed transaction via the FCBA law. Seriously, the seller provided docs to Citi that show they owe the money. Citi states if they receive ANY response from the seller, even if it proves the buyer is right, citi just gives the money back to the seller assuming the documentation proves it. Then the buyer has to re-submit the sellers own documentation PROVING they are owed the money back. States I can provide additional detail, but refuse to state reason seller states they DONT owe me money so I don't know what else they need because the seller never said they don't owe money. Just provided 14 pages of documentation PROVING they do owe the money! It's the craziest thing I have ever seen.
Product: Credit card

I am deeply concerned about this late payment that has appeared on my account, especially given my consistent history of paying on time. Its existence causes me great pain and I ask you to immediately correct this error by removing it from my account.
Product: Debt collection

I bought furniture from XXXX XXXX XXXX and Wells Fargo is the finance company. I never received an initial bill even though they had my email address. They charged me late fees. I have spoken to more than 10 people because Im having issues setting up my banking information online. I spoke to XXXX tonight. My issues continue and I cant get any help so Im not able to make my payment so Im sure there will be more late charges.
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 has violated my rights. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XX/XX/XXXXdata breach and may have gotten into the hands of the wrong person.
Product: Consumer Loan

This agency harasses when payments are late. I 've gotten in to trouble for receiving excessive phone calls at work. When I do call to make a payment, they ask why I am paying the bill late. I feel asking why I 'm making a late payment is completely a violation and unnecessary ; I 'm clearly having financial trouble. They have taken out unauthorized payments and when I have an issue do not call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My file was stolen and someone had made an unauthorized hard inquiries. 
I would like to file a dispute and remove an unauthorized hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 accounts 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 ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3600.00} XXXX XXXXXXXX XXXX XXXX Balance : {$550.00}