23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX,, SS # XXXX birthday XX/XX/XXXXXXXX  This CFPB complaint has been filled to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate, and false information consist of a auto loan opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Hard inquiries such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent inquiries and collections appearing on my consumer FICO credit report .I 've included a list of the hard inquiries as well as copies of the consumer FICO credit report maintained by you which shows these items I've mentioned.i do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer report maintained by you were not opened, made, or initiated by me. all these accounts I've mentioned are a result of fraud and identity theft. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud. 

Attachments 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 i previously requested that all inacurate information be removed from my credit report. i guess an investigation was conducted but i am not happy with the results so i demand a reinvestigation and i want all contacts used. ive contacted the businesses show on my report and they told me that i contacting them in error. these accounts listed in my attached pages are not mine and i demand them be removed immediately
Product: Credit card or prepaid card

Keep getting a statement from a company named Barclays Financing Visa Card for a purchase of {$210.00} from a XXXX XXXX XXXX XXXX on XX/XX/2020 from an account with them ending in XXXX. I only am given the last four digits of this account. Now they have supposedly issued a replacement card that I also never received and are holding me responsible for the entire balance of this credit card account that I do not possess. No, I don't think so Barclays. You can NOT allow this to happen to a UNITED STATES citizen. You WILL answer to someone. I promise!! 

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

I placed placed a security freeze on my Equifax credit report on XXXX ending on XXXX. " FILE FROZEN DUE TO FEDERAL LEGISLATION. '' Although a credit freeze had been placed on my account : XXXX inquiries are listed on my Equifax credit file that I did not authorize. They are listed below 1. XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NE XXXX. 

Equifax is in clear violation of FCRA 604, under permissible purposes of credit files. They are legally obligated to furnish permissible proof of the authorization of creditors to view consumer 's credit file, when consumer requests such documentation. I have requested this information XXXX times. 
Equifax Information Services LLC is in direct violation of FCRA law by not deleting these inquiries from my credit profile. 

Please see the following documents that I have attached to this complaint.
Product: Debt collection

This account is being reported on my consumer report. I was never notified about my right to dispute or given any information verifying this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not agree with the payment history on account XXXX  XXXX, XXXX. 
15 U.S. Code 1681d ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports 15 U.S. Code 1681i ( a ) ( 7 ) - Procedure in case of disputed accuracy 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 3 ) Duty to provide notice of dispute
Product: Debt collection

On XX/XX/2022 after receiving a copy of my credit report I wrote a letter to ERC to dispute the debt and request verification and validation documents. I specifically requested any contract or agreement with my wet signature as well as any proof of contract to substantiate they are entitled to enforce a commercial claim, I received a response dated XXXX XXXX stating the debt is valid with an attachment of the final bill from XXXX. 

ERC failed to provide any documentation requested including, but not limited to the original certified agreement with my wet signature from XXXX XXXX XXXX XXXX did they provide any documentation of a contractual relationship between Enhanced Recovery Company and XXXX XXXX XXXX authorizing them to enforce a commercial claim against me for this debt.
Product: Debt collection

i have a section 8 voucher so i only paid XXXX XXXX  a month and i showed proof to XXXX  that XXXX housing pay {$1800.00} a month the apartments went under another management didnt give full details they was stealing money and saying i owe {$5700.00} in rent and i wasnt even paying that kind of money for rent because i have a voucher thru federal hud government so now i have a damaged credit saying i owe it and now i cant get no where to stay cause of wrongfully charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00}
Product: Student loan

Let 's go back over the past year. Up to 10 calls a day from NAVIENT regarding a co-signed loan for my son. His loans are in a RRP ( rate reduction program ) with the exception of this one his mother has co-signed. When asked to put this loan into the rate reduction program he was told it needed to be 60 days past due and to tell his mother to not make the next two payments. We can provide names and dates is you can take this further. She let the payments go for the 60 days, and then we called about the RRP. We were told that this loan was not eligible for the RRP. So who is correct here. Called them again yesterday X/XX/17 with my son to discuss. We were told the loan was eligible for the RRP but son needed to file a financial statement. He stated he filed one in XXXX but was told that was too old. He asked the Navient rep to pull up his financial statement but he declined and said my son would need to file a new one before they could do anymore. So now my wife 's credit report reflects a default on a student loan that they NAVIENT ; issued instructions and we followed them but guess what that got us. A BIG DING on our credit. Now my wife has been attempting to pay the monthly statements and has done so for over a year but was diagnosed with XXXX XXXX in XXXX of last year amassing medical bills of around 85,000. We do n't have to pay it all as we had insurance but the deductable and out of pocket was around 19,000 which we are paying at this time. Back to NAVIENT. They called again today four times ( I am blocking the numbers now ) and some lady named XXXX attempted to collect again. I stated that we were in communication about a RRP plan and had nothing more to say until that is taken care of. This organization causes nothing but stress, hardship, and more. There is nothing one can do and they know it and continue to harass the heck out of us. Now ; if I have to get my tribal attorneys ' involved I will as a XXXX XXXX I get free legal representation. These people need to be held accountable for the actions they take. These loans are at 10.75 %. Highway robbery ... ....
Product: Prepaid card

I went to use a {$50.00} amex prepaid gift card for {$20.00} on my XXXX but it said the card is invalid and i checked playsation support and it didnt help and i checked the card balance, info, etc and it still didnt work, so i called and all i got for an answer was the robot voice saying for my protection that purchases wont go through or because the merchant didnt ask for the security code, although the XXXX store does ask for it.
Product: Debt collection

The " Law Offices of Howard Lee Schiff, P.C. '' sent me a letter saying, " Thank you for your recent credit card payment. The information regarding this paymemtis listed below : Authorization Date : XX/XX/XXXX Payment Amount : XXXX Last Four Digits of the Debit Card : XXXX '' I have never communicated with this " law office '' and never authorized any money to be paid to them. 

I have no debit card ending in XXXX. 

There is no transaction for {$150.00} on either of my checking accounts. 

I have no idea what this " debt '' is, or what this letter is about, unless it is an attempt to draw me into communicating with this firm. 

The letter came from this address : Law Offices XXXX  XXXX XXXX XXXX, CT XXXX I am a XXXX veteran with XXXX  XXXX. I just opened this letter today, XX/XX/XXXX.
Product: Credit card

There was a fraudulent charge made on my credit card. I hired a dog sitter that was arrested whilst I was on vacation and she stole my information and social security number and used it to make fraudulent purchases. The person she sent the money to was aware of the fraud and complicit in the scheme as well. She was arrested and is in jail now. 

I contacted the credit card company to and provided them. The police reports proof and contact with the person. The money was sent to where they acknowledge they were aware of the fraud and agreed to cooperated with police detective and refund money. 

They never did. 

The credit card company took over six months to respond to the issue, then closed the case They never looked at the evidence open any of the documents, and I have proof of such. I provided all of the documents they requested, and they did not look at any of the evidence or information when documents are opened.

I believe they dont care or are aware they screwed up by not blocking the transaction in the first place and are failing to follow according to a lawyer I hired the fair credit reporting act and in violation of thheir own terms and conditions.

Theres apparently a class action lawsuit, according to my lawyer of them doing this to other custom customers where they will deny disputes automatically without ever reviewing them and failed provide protection to consumers from fraud. 

They failed to protect from {$XXXX} fraud and their system should have never allowed the charge in the first place and I believe they know they screwed up and thats why they are failing to fix it. They dont want to acknowledge their failings.
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX U.S.C XXXX SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

last XX/XX/2019. On my own I write because I disputed an account on my credit and I did not receive any response. Then I received a letter letting me know the account will be removed. At this time on XX/XX/XXXX, the account continues on my credit report and I try to removed but do not have reponse or deleted the account. SYNCB/SAMS continues on my credit report even they agree to deleted on XX/XX/2019.
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 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 or other personal consumer reports

Incorrect personal information is being reported on my credit. The address of XXXXXXXX XXXX XXXXXXXX XXXX. XXXX, Ohio XXXX is incorrect and should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My child support payments are current and the TX XXXX of Attorney General is continuing to report me as 180 days past due. I have ONE payment that is only 15 days late. I asked Experian to dispute the report. They did ABSOLUTELY NOTHING. I will not sit on the phone for 45 minutes waiting to explain this to anyone. Experian has failed me. They are obviously more concerned about selling their services than actually performing services. 

This is not right and I want to see the TX OAG investigated for improperly and inaccurately reporting to credit report agencies. They are financially damaging thousands of people no doubt, and this needs to be publicized. At minimum, someone needs to alert them about their false reporting, and lets hope it gets their attention. Their state employees are inadequately educated and incompetent. They have no regard for accurate records. Child Support payments shouldnt even be reported to credit agencies to begin with. I am absolutely infuriated this nonsense.
Product: Mortgage

In case number XXXX, Shellpoint falsified documentation to XXXX XXXX. Shellpoint falsified that my payment on XX/XX/2021 was for my second XXXX trial payment in unethically make it appear as though I did not complete the trial modification. 

This complaint is about their falsifying information to XXXX XXXX. The reason they did it is because after I successfully made all three trial payments they claimed to have returned the third trial payment. 

XX/XX/2021, I paid {$1000.00}. The amount on the offer letter. 
XX/XX/2021, I paid {$990.00}, the trial modification amount on Shellpoint 's official statement. I asked Shellpoint to clarify the difference. Shellpoint refused to respond. But, Shellpoint cashed the check and did not say it was short. 
XX/XX/2021, I paid the {$1000.00} plus the {$22.00} difference for XXXX since Shellpoint never responded. After I was able to make the payments that they did not think I could make, then they went to plan B. 

For paying their statements and making up the {$30.00} difference, Shellpoint revoked my trial modification. In an attempt to hide how predatory and unethical they are, they falsified to the XXXX XXXX that I did not make all three trial payments.
Product: Credit reporting or other personal consumer reports

Well I know I was paying to get some stuff off my credit and nothing wasn't working like it's suppose to but they was still taking money out my bank account that's why I closed my account and stop giving them money
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed there were accounts on there that were not mine. 

I sent your bureau a dispute letter in regards to these accounts on XXXX, refer to attached document, asking that they be removed. Please note investigative results report should have been done by XXXX. To date, I have not received a report which is in violation of the FCRA. 

I had filed an Identity Theft report, refer to attached copy of filing document. You may call the police department to confirm the filing legitimacy. Please be advised I have a {$600000.00} residential home escrow pending cancellation by XXXX unless these accounts are not immediately deleted. I would prefer this to handled without litigation and damages
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed the three credit bureaus Transunion, XXXX, XXXX. That I was a victim of identity theft however, they still have not removed them from my report.
Product: Student loan

I attended the XXXX XXXX XXXXXXXX XXXX  and took out federal and private loans to cover the tuition and expenses with the school. The school used deceptive practices as a means to obtain the loans. The school inflated job placement, used high pressure tactics, and said after attending the school that I would have a place in the job market given the degree and education provided. This school along with Navient 's predatory practices of not showing me other ways to get income-driven repayments put me on a path toward forbearance which has only benefited the private loan holders with massive interest. Over 20 years I have paid far more than what I took out and because of it I have never been able to save, have put off buying a house, having children, and put off medical procedures creating a spiral in my finances. I also do not have enough to retire as of now, and I am XXXX XXXX XXXX. 

I have tried to get all my loan information and there are three years missing from my records since XXXX XXXX transferred my loans to Navient. From there it has all gone completely downhill and my loan payments ( interest only ) amounts to a 35 % of my monthly earnings with no room to pay off most of the balance. 

I am aware of Navient 's School Misconduct Discharge Application, which they have not responded after I sent in a request to receive and apply towards the XXXX 

I am also part of the Federal Student Aid 's XXXX XXXX XXXX which is in conjunction with the XXXX XXXX  XXXX lawsuit against Navient. That application is still being processed even though I was notified of my federal loans being discharged because of the for-profit XXXX XXXX XXXX XXXX and their school misconduct charges, which include several lawsuits - federal and state. 


here are links to articles about this school : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX at approximately XXXX I placed a call to Coinbase Support at XXXX. Coinbase Representative XXXX XXXX, was notified of my 2 factor authentication access issue. Since my account was linked to my cell phone, XXXX called via land line, XXXX, a recorded line for XXXX  XXXX at both XXXX and XXXX to assist with my success issue. XXXX advised me to open an XXXX application, on my cellphone, XXXX. I completed the steps and accepted the remote request. Per XXXX, my account was not set-up properly and I was advised to follow the instructions to rectify my errors on my account by sending my BitCoin funds to XXXX XXXX XXXX # XXXX. After I initiated the send instructions, I noticed there was a charge of {$1.00}. I immediately made XXXX aware that I was concerned and that I was confused on how this would help my 2 factor issue, he advised me not to worry, the new funds would be available in 15-20 minutes. At XXXX, I received an email from Coinbase Support regarding the steps. I immediately initiated my account to be disabled. I attempted to contact Coinbase Support and sent multiple emails and responses to Coinbase Support but the responses to my concern ( s ) were slow. I explained to them, through email, what had happened but in the end they only wanted to verify my identity to enable the account. I was made aware they do not have a live customer support contact. 
I have contacted the XXXX Police Department XXXX I have file a complaint with referral form with Internet Crime Complaint Center. 
I have obtained the copies of the recorded phone logs and calls, a photo of the website, the fraudulent email, copies of the purchases which date back to XX/XX/XXXX, and all communication to Coinbase regarding the event. According to Coinbase they are willing to release any transaction information to the Authorities ( AHJ ). Any Help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my credit card company refuses to remove a 30 day late. I have never been late and the card has always been on autopay. I have disputed the account 3 times and have never received anything from the credit card company with explanation.
Product: Mortgage

So in XXXX I sent a payment of {$1100.00} in a Cashier 's Check to Cornerstone Home Lending, Inc. At that time we were having financial issues and was short on payment. However, Cornerstone cashed the Cashier 's Check and showed on our statement as Unapplied Funds. Then our mortgage was sold to XXXXXXXX XXXX who is our current mortgage company. The {$1100.00} payment was not sent over to XXXXXXXX XXXX  and was never applied to the account. I have contacted XXXX by phone and by mail and was sent a letter stating that they never received the funds from Cornerstone. I contacted Cornerstone by mail at the beginning of XXXX and I have not received any reply. In the letter I stated that the funds can be returned to myself or sent over to XXXX. When I call XXXX all I get is that my loan has been moved to another company and to contact them directly. 

I need to know how I can get this problem solved and my money refunded or sent to my new mortgage company. 

I will appreciate all and any help I can get. 

XXXX XXXX XXXX