23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Ill let you review the attached images because I cant even anymore. My payment to XXXX was returned and XXXX got an error that the account was invalid. I confirmed with them and tried to re-enter my information, but got an error about the routing number being wrong. I have spent 7 days now with Chime Member Services responding with irrelevant answers that couldnt be further from helping answer my concern or even address it in the slightest, it feels like. I have gotten a different rep ( 6 different people I think ) every day and had to re-explain and STILL get an irrelevant answer. My Chime Visa Debit card was also linked to a separate external account through XXXX, which now shows an error message that they do not accept my bank, despite using the card many times through them before. Both XXXX and XXXX have directed me to reach out to the financial institution, who is trying to say its the fault of the external account servicer, which doesnt make sense since its more than one account. To make things worse, my Chime Credit Builder was suddenly disabled last night ( XX/XX/21 ) around XXXX Mountain, and Chime Member Services has now gone 24 hours without responding, though I doubt a response would benefit me at this point. Ive sent screenshots, Ive explained in the simplest words I could, and its not being heard or understood.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was never late on this account in XX/XX/XXXX XXXX 

I was reported to the credit bureaus as having XXXX late payment and I have attached proof so you can see that this account is being reported inaccurately. You can see that this account is being reported differently across all three credit bureaus as well. Look at how all the information is different.

This is a violation of the FCRA Section 623 and also a violation of the Fair Credit Billing Act. This has really dropped my credit score and I need it fixed ASAP. 

I applied for an auto loan with XXXX and this hurt my interest rate because of the late payment.
Product: Credit reporting or other personal consumer reports

I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting an inquiry with my personal information and this is reflected as an inquiry on my credit and I do not recognize it.
Product: Mortgage

Most recent Letter was sent to Shell Point on XX/XX/XXXX Certified XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Loan # XXXX Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Debt/Incorrect Payment Amounts. 

Dear Sir/Madam, I am writing to you in response to a mortgage statement received on XX/XX/XXXX. 
Again, I request that your company provide me with a detailed explanation and documentation of the debt, including a clear breakdown of all charges along with proof of those charges. I also request that your agency cease all collection efforts until this dispute has been resolved. 

My escrow account is wrong and causing extreme hardship as you are collecting double my monthly taxes for no reason and you will not reconcile the escrow account this has been happening since XXXX of XXXX. 

I have been contacting you via telephone calls and have written several letters along with several emails providing proof via documentation starting in XXXX of XXXX. I will provide those certified letters on request. 

Most recently I called on XX/XX/XXXX, and was informed it would be reconciled and expected to hear from you in XXXXen days again no response sent another letter concerning this on XX/XX/XXXX. 

Per your own Mortgage statement, any payments not made in full would not be applied but held in another account that damages credit and has done so. 

I simply cant make a payment over XXXX XXXX dollars higher than required it is damaging and abusive behavior. 

You have locked me out of my mortgage account for months now and I have called several times attempting to get access with no luck, it seems to work for a day then someone locks me out I suspect it may be my complaint to the CFPB that causes you to behave like this. 

I can not see the escrow balance communicate with you or provide documents via the portal. 
This has caused significant hardship and frustration. 

Please note that under the Fair Debt Collection Practices Act, it is illegal for debt collectors to continue collection activities if a dispute has been raised. 
Thank you for your prompt attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX XXXX : CFPB i.e. 1024.35
Product: Debt collection

I spoke with Elevate Recoveries XXXX XXXX XXXX phone number XXXX - I want to report that this debt was originally on my report from a XXXX XXXX  and when I reached out to the company and also reported them to the XXXX  the debt is now showing up under this different company that I mentioned before. This company has not validated or verified the validity of the debt. They did not have any correct info on file regarding the debt. they only had my name and date of birth. 
they had an incorrect phone number and address. I want this debt removed from my credit report until documents are provided validating and verifying this debt that I am contracted to pay Elevate Recoveries and or XXXX XXXX XXXX. I do not have any business with these companies I did not contract with them or receive any services from them therefore they should not be on my credit report. In speaking to XXXX I was not able to get too far as she only wanted to talk over me and place me on mute then she hung up on me. When I adv her they should not be on my credit report without validating and verifying the debt she states they don't have to they can put whatever they want on my credit report with incorrect information. She also states that nationwide recovery is not their company yet the info appears on my report along with theirs. I feel that I am being violated. the accts are as follows. **XXXX  ACCT NUMBER XXXX Original acct number XXXX DATE OF SERVICE Elevate Recoveries , LLC XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX ) XXXX If you have any questions or concerns, please contact the XXXX  assigned to your complaint : XXXX  Serving XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Email this XXXX  ( XXXX ) XXXX Privacy - Terms XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX File Complaint against Elevate Recoveries , LLC | XXXX XXXX XXXX https : XXXX XXXX XX/XX/XXXX XXXX {$700.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX *** **XXXX  ACCT NUMBER - XXXX ORIGINAL ACCT NUMBER XXXX amount {$980.00} date of service - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX Lastly info appearing on my rpt is conflt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this XXXX  credit error showing on my credit report. I was a victim of Identity theft and reported it on XXXX & XXXX. I dont know if this is associate with that but this is not my debt. I have mailed out 2 request to the credit bureau and the company. I have not received a response from the credit bureau and XXXX told me they have no record of an account with me. I need this collections removed
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested, also the name XXXX XXXX XXXX XXXX appearing on your XX/XX/XXXX letter confirmation # XXXX is incorrect. On my letter dated for XX/XX/2020, I included a copy of my California driver license and a copy of my Social Security card, as I also have included a copy along with this letter to you again.
Product: Debt collection

I keep receiving calls from an unknown number claiming I have a debt that needs resolved and that they have attempted to contact me to get resolved. Then claim they are sending papers in person to my place of work or home. The number they leave to call is XXXX
Product: Credit reporting or other personal consumer reports

account number in question here Is : XXXX - " loan ''. pursuant to 15 USC 1692g - need this debt validated. The pictures attached in complaint state that this company has charged off the debt. a CHARGE OFF pursuant to XXXXXXXX XXXX XXXX XXXX is described as " an accounting term where one item is eliminated from an assets list when it is lost or is deemed to be worthless. '' in the pictures you see this company relished the debt. I am also very interested in knowing and having a forensic audit done on this account. I do believe this corporation is committing some form of fraud and does intend to attempt to DOUBLE DIP and still seek some form of performance. 
furthermore pursuant to 15 USC 1635 - Right of rescission as to certain transactions. In the ( f ) section it states that as a consume I have there years form the date of consumption of the transaction to rescind the transaction. Further more pursuant to 15 USC 1692c ( c ) - Communication in connection with debt collection.// legal refusal to pay a debt. cease and desist. 
furthermore the grounds for my complaint are defamation and financial injury which tie into the following case laws, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the fine that shall be awarded is defined to be the extent of the damages incurred by the wronged party as deemed by the courts. bringing the total actionable amount to about {$40000.00} since the consummation of this debt. including the missed payments that are actively being reported on the Transunion credit file. 
further more, misrepresentations by the collector about themselves or the debt are actionable regardless of intent. The reason behind adding this to the complaint is due to the protections extended to by the Fair debt collection practices act, H.R. 5294 passed by congress into law on XX/XX/XXXX and can be found in Public Law 95-109. the case laws standing side public policy are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) which carries a civil liability ( pursuant to 15 USC 1692k ) of XXXX per violation. this debt has been misrepresented for more than a year since it consummation, bring the tally for this violation alone to about {$20000.00}. furthermore furthermore! if this debt can not be validated, meaning that the corporation is unable to to provide answers to the question of who the original creditor is, and the name of the flesh and blood human being that validated the debt then I want this debt deleted. 
the case law stated within this complaint is enough to get the attention of any district court. I humbly request your cooperation the matter of!. validating the debt and providing the proper paper work to have a certified forensic fraud CPA review the files and testify in court on their findings thank you!
Product: Checking or savings account

I recently learned about the Wells Fargo settlement and I had a checking account and mortgage with them from XXXX. I have not received any communications from them and believe I was impacted by their poor decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$1000.00} There is no contract, no valid claims ... account was settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Product: Credit reporting or other personal consumer reports

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a lgitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised since the year XXXX. The thieves used my stolen information to obtain an auto lease with XXXX XXXX. I became aware of this situation in XX/XX/XXXX after receiving numerous credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, I reviewed my credit report and then noticed this account, which I was also completely unaware of. This account has been negatively reported since XX/XX/XXXX which is significantly affecting my credit score. I've disputed this account numerous times with no result and also have not received any information regarding this account from the company.
Product: Credit reporting or other personal consumer reports

This collection was not authorized or signed for by me. This creditor does not have the right to report anything on my credit. I would like if I could get a copy of the original agreement with my signature Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692, which protects consumers from abusive, deceptive, and unfair debt collection practices by prohibiting unauthorized reporting of debts to credit bureaus.
Product: Credit reporting or other personal consumer reports

HI 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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Product: Credit card or prepaid card

I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the disputed accounts from my Credit Report. The Credit Reporting Agencies continued to report these accounts as late and claimed that the accounts are verified but I did not receive any proof of verification or any document for them to claim that the accounts are investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THESE ACCOUNTS! I do not believe I am late on the dates these accounts report. Also, I have been keeping my own record of payment and the data these accounts reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THESE ACCOUNTS : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$15.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}
Product: Mortgage

On XX/XX/XXXX I made a payment to XXXX XXXX. This mortage was then sold to Mr Cooper mortgage company on XX/XX/XXXX. Mr Cooper does not show that I made a payment on XX/XX/XXXX, the payment has not be reflected onto my mortgage balance. I have attached my bank statement showing the payment made as well as a statement from roundpoint mortgage showing that the payment was received. I have reached out to both XXXX XXXX and mr cooper several times over the last two months and have not gotten any response.
Product: Money transfer, virtual currency, or money service

Back in XXXX, my Venmo account was randomly frozen. I contacted them, and they said due to violating the User Agreement, and posing risk to the service, your account has been permanently closed. I asked for an explanation, and they would not give it to me, saying to keep the internal systems robust, we can not reveal the reasoning. I wanted to reinstate it back then and was nicer about it since I thought it could be reversed. Fast forward to last week when I reconnected with them so I could get my account open, they still decided to permanently limit the account, again with no explanation why, citing the same statement above. This does not seem fair as I have no idea what I did wrong. I was using the service like anyone else, and I have no way to defend myself nor obtain knowledge on the issue. What if I were hacked and the hackers activity was what got me banned? I am so livid and frustrated with them for not giving me a proper reasoning or a fair trial. 

I also had 2 unknown attempts to sign into my account on XX/XX/XXXX and XX/XX/XXXX, which signals to me that when I recently signed in on my known device after two years of not, I have a hacker trying to monitor my account and check for money.
Product: Mortgage

I have compiled and done everything requested and submitted all documentation for a loan modification or repayment plan anything that will help me save my home and was denied for insufficient income when I do fall within the DTI which is 30 % - 41 % I am at 36 % DTI required for mod or repayment plan I can afford it my monthly net income is {$5600.00} and mortgage payments are {$2100.00} please help me keep my home. 

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

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/XXXX Last XXXX of SS # XXXX Credit Bureau Name : Equifax Credit Bureau Address : XXXX XXXX XXXX XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
XXXX XXXX XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Once you have fulfilled my request, mail me an updated credit report reflecting these changes removed XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX CARD Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX
Product: Debt collection

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  and XXXX  Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX obtained this account from XXXX XXXX and it was placed on Mt credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.