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

I desagree with the account listed below which still appears on my credit report, even after your investigation.I would like this inmediately re-investigated.The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX - XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX In accordance with The Fair Credit Report Act. Public law 91-506, Title VI, Section 611.

Please provide the names and business adresses of each individual with whom you verified above so that I may follow up. Please me an update a copy of my credit report after you investigation.
Product: Credit reporting or other personal consumer reports

I sent a registered securities instrument to this company. and for them to act on my instructions that was sent with my registered mail. I have heard nothing back from that and they are holding my securities without out sending me a payment as stated with my instrument. I also seen that they discharged my debt which is on my credit report. under law they have not provided me with a 1099c which is considered tax fraud. My instrument was received on XX/XX/23 addressed to XXXX XXXX. I also sent a email as well to follow up. This is my 2nd mode of trying to fix this problem, before I submit documents for arbitration on this matter.I also found descrepencies on my auto loan the dealer and the bank have different numbers, which is fraud. Also selling of my securities on the market and holding it is considered securities fraud. I will get a forensic audit report done if this is not solved within 15 days of this report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 


I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 


I further remind you that, as in White v. XXXX Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of inaccurate information from my consumer report. As stipulated by the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and complete information in my credit file. The following inaccuracies require prompt correction : Late Payment Report Dispute : Account : XXXX XXXX, Account # : XXXX, Date Opened : XX/XX/year>, Date Late Reported : XX/XX/year>. Per 15 USC 1666b regarding the timing of payments, this late payment should be excluded from my report. Additionally, 15 USC 1681b ( 2 ) restricts the reporting of consumer information without my written authorization. It appears that your agency is reporting information without my consent, which may constitute a breach of my rights and potentially aggravated identity theft. Please be advised that if these issues are not resolved promptly, I will pursue legal action. Each violation of the FCRA may result in damages of up to {$1000.00} as specified under 15 USC 1681n for willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  was holding my payments for days before they would credit to my account. I got fed up -- I was never even close to being late with my payments -- so I paid off the balance and closed the account. Every time I charged something I paid the full balance as soon as it showed up on my online account. The still list my account as being open and they have been reporting that I have {$180.00} of my {$300.00} credit limit used up. They won't correct it. Other creditors look at my file and think I am using 63 % of my available credit and not paying my bill on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX aka XXXX XXXX <XXXX> Sent : Friday, XX/XX/2019 XXXX XXXX  To : XXXX   <XXXX> Subject : How do you protect me from ALL OF THESE DAMN MARKETING HARRASSERS I receive monstrous amounts of marketing letters, e-mails and telephone calls from people who want to sell me this or have me donate to that, AND WANT ME TO REFINANCE MY VA LOAN. 

How are these annoying XXXX getting my personal information address, e-mail address, and telephone numbers? No matter how many times that I block information, or try to unsubscribe to e-mails or mailing lists I still keep getting these annoying contacts THAT WONT STOP!!!!! 

I am a 100 % XXXX veteran. Much of my XXXX is XXXX and XXXX. These XXXX marketers trying to sell me something, charities wanting my limited income, and the bankers keep on trying to get me to re-finance my primary VA Loan through XXXX XXXX, to get some equity out of my house ( and of course to pay them some fees that will be included in the closing costs, so they can make some money off of my back ). Every time that I get contacted about re-financing, donations, or marketing requests, my XXXX goes through the roof for a couple of days. Just about the time I get back in control a little, here comes another call, or e-mail, or letter. 

These mortgage marketers normally mention the fact that it is a VA loan and that it is a loan from XXXX XXXX. XXXX XXXX has my information marked so it is not shared with other companies or people. What public database are these hackers getting my loan information from? 

The last marketing card that I received had an identity on it for " Low VA Rates , LLC '' from XXXX, UT. It had a VA ID number XXXX and FHA ID XXXX on the card, and an NMLS ID # XXXX. There were License numbers from 11 states other than Utah. These state licenses on the card did not include Pennsylvania ( where my house is ), nor in North Carolina ( where the XXXX XXXX office that processed my VA Loan is ). 

Who is giving data out to all of these XXXX annoying marketers that wont leave us alone???? 

Youre supposed to be The Consumer Financial Protection Bureau. When are you going to start protecting me???????????????????????????????? 

My XXXX  wishes the law authorized harassed citizens ( like me ) the authority to go to these operating locations once they were identified and take sledge hammers to all of their computers ( including back-up databases ), typewriters, and telephone systems to destroy ANY possibilities that these hackers/spammers/thieves would ever be able to continue bothering people in the future. If they pass a law like this let me know.
Product: Debt collection

I have never received any paperwork from EOS CCA identifying who they are, what they are collecting for, or why! I have never heard of them, but they are on my credit report! I've disputed the account multiple times with the credit bureaus and EOS CCA and I have been told by the bureaus that it's been verified by EOS CCA! HOW? The only way I've ever gained any information is from an auto dialed call to my work, they did not say they were debt collectors or what their business was! I only recognized the name of the company from my credit reports.
Product: Credit card

I have an XXXX credit score pay all my cards off every month and only debt I have is my mortgage and a small car payment. I was surprised when Synchrony Bank the issuer of my Care Credit Mastercard reduced my credit limit overnight from {$10000.00}. to {$1000.00}. I called and spoke with an agent who told me the reduction was done as " punishment '' for not using the CC card since XXXX 2021. I explained that my XXXX  visits had been good and our dogs had been heathy ( card is restricted to medical/dental/vet charges ) I asked for the explanation he had just told me to be provided to me in writing and the agent said he would email it to me. But after a brief pause on hold though, he transferred me to another agent who said the previous agent had " misspoke '' and that the credit limit reduction was actually due to " adverse info in my credit report ''. I then asked why my other two cards with Synchrony were unaffected if that was the case? I pointed out that my Lowe 's card had a $ XXXX credit limit. But the agent couldn't answer that question nor shed any ight why the two things could not be reconciled against each other. The agent said I would be mailed the credit limit reduction explanation letter. The letter never came and despite multiple assurances from Synchrony that they would provide me ( re-send ) with an explanation letter -- the explanation letter never comes.
Product: Money transfer, virtual currency, or money service

My Cash App account was closed due to a violation of terms of service. I inquired as to why as well as asked for information on specific transactions. I also tried to report fraudulent transactions from 2-3 individuals that I sent money to as well as report them. Cash App would not provide information nor would the company allow me to appeal the account closure. When I suggested alleged fraud I kept being transferred via chat and customer service refused to provide the legal depts details so I could get in touch. I want the $ XXXX in fraudulent transactions refunded back to me, copies of my chat records, and Cash App to change their business practices and be more transparent in how they review accounts. I did not violate the terms of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX - Inquired on XX/XX/XXXX. 
CAPITAL ONE AUTO FIN - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX - Inquired on XX/XX/XXXX.
Product: Mortgage

I made a series of payments in the {$250.00} range and PNC bundled them together when they posted, making it impossible for me to accurately reconcile my account and track my payments. I filed a CFPB report on XX/XX/2018, and the company responded on XX/XX/18 by providing me WITH THE EXACT SAME DATA that I already possess -- the data that I am attempting to clarify. My issue is not resolved.
Product: Credit card or prepaid card

I had Comenity Bank for years and went through tough times. I had a few late payments and missed payments. Most of the time they were accidental late or missed payments because of the amount of cards I had with them and confused the due dates of those cards.My main issue is that they would penalize me for paying down their store cards and it would cause my credit to get worse and they reported a late payment that was caused by their system even though they wouldnt report unless its more than two missed payments in a row. They would constantly lower my credit limit to the current balance after making a large payment or sometimes even lower than the current balance putting me at 100 % or over my credit limit. I asked many times why would they do that if they claim to help with credit and they would always say its based on my credit reports. The issue is that if they are basing their info on the credit reports and they are also drastically lowering my limit after large payments causing those 100 % or over the limit reporting. That would just continue the cycle of keeping my report in a negative status and penalizing me for the negative status that they caused ; by drastically lowering my limit even though, I made a large payment to try to lower my balance and utilization rate. They would even have reasons for lowering it due to high credit usage or balance which they caused. If they didnt lowering the credit limit causing close to 100 % usuage, they would just close the account after you paid it in full. Which again doesnt help anyone whos trying to rebuild their credit since now the credit availability is lower. One of the last straws was the payment system selecting the wrong account causing a late payment on my Lane Bryant store card. They also never reported a payment late if less than 2 months late as long as you make a paymentat least a week before the next due date. It dropped my score XXXX points and even the representative seen the mistake but was not able to do anything about it. I fixed the error as soon as I realized the mistake. It was caused when I changed the amount that I was paying online and it automatically defaulted to the wrong bank account instead of the one that I already had selected in progress.You can review current and future payments. You can edit each payment and I selected to change payment amount of the payment that I already processed. I didnt change the bank, the date, or start the process over. Because of the error, It caused a late fee which the representative immediately recognized the error. This error resulting in a drop in credit score. Because of their practices with lowering my credit limit and increasing my utilization rates. I had to close the last remaing accounts. I was even scared to make larger payments or it it in full because I didnt want them to lower my credit, cause an overage, or close the account after I paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 recently checked my credit reports and I found out billing errors. The XXXXnvolved Bureau clearly violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Product: Credit reporting or other personal consumer reports

Dear CFPB, I recently filed a dispute on XX/XX/scrub>XXXX XXXX XXXX regarding the following account : Auto Loan Charge-Off dated XXXX XXXX from XXXX XXXX XXXX ( Account Number : XXXX ).

Your investigation concluded on XXXX XXXX XXXX as " verifiable. '' However, the investigation did not verify this charge-off dispute sufficiently, leaving the matter unresolved. 

Under the Fair Credit Reporting Act ( FCRA ), I am formally requesting the specific verification method used to confirm this account 's accuracy. Specifically, I request : The name and contact information of the entity that verified this account. 
Details of the documents, records, or electronic data reviewed during the verification process. 
If you can not provide this information, I request that this item be removed from my credit report immediately, as it can not be verified. 

Please respond to this request within 15 days, as required under the FCRA.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Opened 24 month XXXX CD on XX/XX/XXXX. Monthly interest was credited to this account until XX/XX/XXXX. They decreased the interest XX/XX/XXXX in the amount of XXXX. 
On XX/XX/XXXX they closed the account for XXXX. I called them about this error. On XX/XX/XXXX they added the amount XXXX back to the account. I have called them numerous times since XXXX of XXXX to get the interest ( XXXX ) back into this account. Many case numbers with no results.
Product: Checking or savings account

Cash app promised {$100.00} back on spending {$100.00}. Now there are denying the {$100.00} back because they falsely claim that it needed to have been {$100.00} spent. However, what I see in the app shows me {$100.00}. Their customer support has been the most frustrating I have ever seen. They sent copy and paste replies that aren't helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX ; Account number : XXXX, Account name : XXXX XXXX ; Account number : 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Experian and XXXX I have worked and sent in letters for the past 5-10 years about my personal information and also inquiries and accounts to be updated and taken off. The only responses I receive are we see you are trying to dispute your credit please provide more information and send in proof etc. I have called them and nobody can ever help me or they tell me to wait months for a change.
Product: Mortgage

I write this on XX/XX/XXXX after weeks of trying to resolve with Shellpoint and SLS. With just 10 days until Trustee Sale on XX/XX/XXXX, my family faces homelessness. Shellpoint Mortgage Servicing refuses to honor a loan modification finalized by their predecessor, Specialized Loan Servicing ( SLS ), violating borrower protections under the Dodd-Frank Act.

This loan originally belonged to my late mother, who passed on XX/XX/XXXX. As her Successor in Interest, I was approved by SLS for a loan modification and completed all trial payments ( XXXX XXXX ). On XX/XX/XXXX, SLS sent me final loan modification documents, which I signed and returned by XX/XX/XXXX deadline. 

Shellpoint then took over the loan, ignored SLSs agreement, and now denies existence of the signed modification. This gross negligence puts my primary home at risk. Despite my compliance, Shellpoint refuses to honor their legal obligations under Regulation X.

Timeline : XX/XX/XXXX : Mother passed ; began loan assumption process. 
XX/XX/XXXX : SLS approved preliminary loan modification. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX : Completed trial payments. 
XX/XX/XXXX : Received and signed final loan modification from XXXX. 
XX/XX/XXXX : Received notification that Shellpoint took over servicing ; chaos ensues. 
XX/XX/XXXX : Shellpoint recorded Notice of Default ( NOD ) without notice or explanation to me, while loan modification is still pending. 
XX/XX/XXXX : Submitted a new loan modification under XXXX direction. 
XX/XX/XXXX : Shellpoint recorded Notice of Trustee Sale ( NOTS ) ( XX/XX/XXXX ) without notice or explanation to me, while loan modification is still pending. 
XX/XX/XXXX : Shellpoint denied my loan modification with no clear explanation. 
XX/XX/XXXX : Trustee Sale scheduled. 

Shellpoint must honor SLSs signed agreement. This refusal to act in good faith violates federal law, threatening my home and familys future. Please intervene to resolve. All I ask is for Shellpoint to honor the approved loan modification so this nightmare ends.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

There are multiple addresses, inquires, and misspelled names that are attached to my credit report.