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

I paid off my mortgage loan for an investment property when I sold the asset. XXXX has recorded the payoff but XXXX and equifax have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in regard to the information on my credit files. 
Fraudulent applications were submitted under my name and/or my identity without my consent to obtain goods or services with my information. The items I need to delete are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries listed in this report on my credit file. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : INQUIRIES : XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX : XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

THIS COMPLAINT IS NOT DONE BY ANY THIRD PARTY AS YOU SAID IN MY LAST COMPLAINT. IT IS DONE BY ME, XXXX XXXX TransUnion and XXXX  are fraudulents on my accounts : XXXX   XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX/XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by Hunter Warfield Inc. about a non existent debt. I requested validation of the alleged debt in accordance with 15 USC section 1692g of the FDCPA. What they sent me was not a validation of the debt. I had previously disputed the debt. On XX/XX/XXXX I sent a certified letter disputing the validity of the information they forwarded to me to validate the debt. They did not respond and proceeded to send a derogatory report to the credit bureau. Hunter Warfield, as a debt collector works on contingency as such they are attempting to strong arm me to pay money I don't owe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting and alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized Metro 2 Reporting Requisites per the CRGG as well as the FCRA and thus damaging my credit.
Product: Mortgage

There is an excessive amount of money in my escrow account. I currently have a supplemental property tax bill due. One installment was due XX/XX/2020 and the next one is due XX/XX/2020. In XX/XX/2020 I called NewRez and asked if some of the excess escrow funds could be used to pay the supplemental bill. I was instructed to send an email with my request and the tax department would review my request and reply to my email. After one month, they had not replied. I contacted NewRez again and was informed that my email had been received and a reply should arrive shortly. No reply came so I paid the first installment. In XXXX I sent another email asking that New Rez terminate my escrow account. When I purchased the loan the escrow account was optional since my down payment was over 20 % loan to value. I received no reply to that request either. I called New Rez again in XXXX and they decided to escalate my case. I was told I would receive a reply within 2 weeks. Today is XX/XX/2020 and have yet to receive a reply to the XXXX or XXXX emails I sent as well as the phone calls. 

I hope you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate, fraudulent information of two company 's that I have never had any association with. I am victum of idenity theft and have provided Transunion with copies of my valid legal identity. This derogatory data, is resulting in failure of me obtaining a XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX : {$50.00} XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX 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

ACCOUNT XXXX XXXX XXXX INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The following personal information is incorrect. Please remove it from my credit report XXXX XXXX XXXX XXXX. NY XXXX XXXX XXXX XXXX XXXX. NY XXXX
Product: Mortgage

XX/XX/XXXX, applied for forbearance of mortgage payment due to unemployment for 6 months, mortgage payment $ XXXX XX/XX/XXXX, tried to reinstate the mortgage payment, however, Shellpoint Mortgage proposed me to have a loan modification. 

XX/XX/XXXX, started 3 months loan modification trial payment {$2600.00} per month XX/XX/XXXX, received the loan modification loan document for accepting loan conditions and terms that I do not agree. Because the principal increase {$180000.00} to {$240000.00} for 40 years paying {$2400.00} starting XX/XX/XXXX. 
Found that there are unreasonable charges like escrow shortage {$3200.00} and property tax year XXXX that I already paid was added to the principal as nonpayment of property tax amount {$10000.00} on the subject property. 
XX/XX/XXXX, called them denied accept the conditions and terms of the loan modification.. 
XX/XX/XXXX until XX/XX/XXXX attempted call and left message to the assigned agent of Shellpoint. 
XX/XX/XXXX received the unchanged loan modification document delivered to my residence by the notary public. 
From XX/XX/XXXX to XX/XX/XXXX, Shellpoint XXXX does not take my call XXXX.
Product: Debt collection

On XX/XX/22 I received a request for payment from TRS Recovery Services , Inc for {$120.00} for a purchase made at XXXX XXXX XXXX XXXX paid for by check # XXXX ( Dummy check # ) Drawn from an account at XXXX XXXX  XXXX XXXX XXXX XXXX, MO contacted XXXX XXXX  XXXX XXXX XXXX XXXX account found with my name. XXXX XXXX verified the check at point of purchase ( unbelievable ). I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate the matter at, XXXX ( XXXX ) XXXX, never heard back from them. I contacted TRS Recovery Services XXXX XXXX and received a dispute form which I completed and mailed it back to them. On XX/XX/22 I received a TRS Forgery/Identity Theft Declaration, completed it and mailed it back to them along with all the information I had found to substantiate my claim of fraud/identity theft. The information regarding this matter was given to me by XXXX XXXX, XXXX ( XXXX ) XXXX and XXXX XXXX  XXXX XXXX ( XXXX ) XXXX and through my own investigation.
Product: Debt collection

I asked the third party to validate the debt for a few months now and have gotten nowhere. When I spoke to them on the phone, they acknowledged the debt doesn't belong to me but a family member who they stated was my adult child. I was informed they used " XXXX XXXX XXXX' to track my personal information and add to my credit report. I never received a copy of any bill nor any notice regarding the debt. What happened to my right to privacy, which I feel is being violated? Me nor my adult child have never been to any medical facility in Maryland PERIOD!
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my CAPITAL ONE - XXXX, CAPITAL ONE - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX  XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX - XX/XX/year> :
Product: Debt collection

I preferred and paid for a cell phone and service. They mailed the phone to the wrong address. I never got the phone activated the phone it was never activated or used according to the mobile company XXXX XXXX. I got a bill for XXXX I calledXXXX XXXX XXXX XXXX. They've turned it over to AmSHER collection agency and is affecting my credit in a negative way XXXX a rep from XXXX XXXX told me on XX/XX/2023 at XXXX cst. appox. I've been trying to get this taken care of since XX/XX/XXXX. It's 7 months later. I think at this point a monetary award should be given to circumvent further legal action being taken in regards to This is fraud, mail fraud, identity theft, harassment, defamation of character, violations of my rights to privacy, fdcpa violations, fcra violations, fcba violations. I never gave them permission to sell my information to a3rd party I never gave my express written permission to use my identity in this way either. It's costing me money and time to deal with this and hurting my reportable credit and credit worthiness and my ability to obtain new credit. I've been victimized in several ways from this company and we never did business officially bc I never got out activated or used the device. I canceled the contract bc of it and they agreed, now 7 months later here we are.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information in my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed inaccurate information from my credit report.
Product: Mortgage

I've been shopping for a heloc for a couple weeks now. Amerisave mortgage company XXXX ID # XXXX. XXXX XXXX XXXX ID # XXXX and XXXX XXXX XXXX ID # XXXX reached out to me. XXXX reached out first and got some info from me. Couldn't help me at the end of the conversation. Also never said anything about a credit pull. Shortly after that conversation ended, XXXX reached out to me and said he could help. He then notified me that he had my personal information from a credit pull. I asked him how he had that and he said it was in the system from someone running my credit earlier that day. I said I never gave consent to that and that it upset me. He brushed it off and tried to proceed with the loan. I told him I was upset and that what they did was not right and to have a manager reach out to me about the situation. The following day I reached out to XXXX and asked what happened with the request. He said to just be patient and that he could help with the loan but he wasn't the person to talk to about the situation. I told him that was unacceptable and I wanted to speak to someone otherwise I was filing a complaint. No one reached out to me so here I am. This is unethical, unacceptable and I feel wronged in this situation and would like some corrective action. Whether that's fines or suspended licenses, I don't care but these people need to learn that they need consent before running people 's credit. Please follow up with this and make sure it doesn't happen to anyone else.
Product: Mortgage

I completed a loan modification package back in XXXX 2015 to aid with my loan, I was approved by XXXX California ; however, my Lender/ Servicer `` Seterus Inc. '' will not respond to any inquiry that I make nor respond to the requests that XXXX California make to them on my behalf. Every time I call they keep telling me that they do not have any updates nor do they have the ability to find out any status update to XXXX California. Furthermore, my servicer Seterus Inc and trustee sent me a letter showing that my home will be sold on XXXX XXXX, 2015. This is unfair as Keep Your Home California is able to help me but my Servicer Seterus Inc. will not respond to their inquiries to fulfill my modification and are delaying any correspondence. I feel based on their actions that they are intestinally trying to sell my home and make me homeless, I am running out of time.
Product: Debt collection

A company called Gurstel Law Firm is trying to sue me for a credit card debt that does not exist. I have contacted Gurstel Law Firm on many occasions, filed a Cease and Desist Letter on XX/XX/XXXX and yet they are still trying to sue me for a non-existent debt. XXXX can not find ANY record of this card tied to my social security number. I spoke multiple times with XXXX and confirmed this. On XX/XX/XXXX the XXXX Security Operations officer confirmed once again, there is no debt tied to my social security number. She suggested I contact XXXX, the Consumer Financial Protection Bureau and the State Attorney General as this company is violating the Fair Debt Collections Practice Act. This 3rd party debt collector has harassed me for a year and a half and keeps trying to get more personal information from me over a debt that does not exist, and I am very concerned about Identity Theft. There is NOTHING on any of my 3 credit reports pertaining to this card. I was informed by XXXX Fraud department that Gurstel Law Firm is in violation of the Fair Debt Collections Practices Act. I want this lawsuit and harassment to stop ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Because of fraudulent Black market activity on my credit, all 3 bureaus have put a one year Fraud alert on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the past few days I have attempted to retrieve my credit score using a number of different credit reporting applications and services, most notably : XXXX, XXXX, Credit Karma, and XXXX XXXX. After entering my information in all of these services ( name, address, SS #, phone number etc ... ) all of them have told me the same thing : " your information does not match what the credit bureau has on file ''. This is extremely alarming, as I have double and triple checked my information every time, even with my mother, and all of the information I have entered is entirely correct, leading me to believe that the credit bureaus file on me must have incorrect information. I need to rectify this, as the time has come for me to buy an apartment. Thank you for your time, I hope to have this worked out soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; The Vendors/accounts listed below have violated my federally protected rights to privacy under 15 USC 1681 1 ) Bank of America ( account beginning with XXXX ) 2 ) XXXX XXXX  ( account beginning with XXXX ) 3 ) XXXX XXXX ( account beginning with XXXX ) 15 USC 1681 section 602A states I have the right to privacy. 

15 USC 1681 section 604A subsection 2 states that any company can not furnish information without my written instructions. 

15 USC 1681c ( a ) ( 5 ) states that any consumer reporting agency may not report any adverse or negative items other that criminal convictions of crimes which predates the report by more than 7 years.
Product: Credit card or prepaid card

per complaint # XXXX, American Express has stated they have issued a credit of {$530.00}. This is incorrect. American Express only issued a credit of {$310.00} to our account and then refilled us for it in the next billing cycle. 

To begin, I filed complaint # XXXX with the CFPB and a similar complaint with the Attourney General of Texas. 

In response to the complaint filed with the CFPB, American Express stated they have credited my account in the amount of {$530.00}. I then received a letter from American Express on XXXX XXXX stating the following : " ... we have issued a permanent credit for the amount of {$310.00} ... that will appear on ( our ) upcoming statement '' They failed to credit the full {$530.00}. 

HERE 'S MORE FRAUD, on XX/XX/2021 I received a letter from American Express stating " We received notification that the charge ( of {$310.00} ) no longer concerns you. Since you no longer dispute the charge we have removed the previously issued credit ( s ) and rebelled your account for {$310.00} ... '' I NEVER GAVE ANY CORRESPONDENCE INDICATING THIS.

American Express is NOT refunding me the two charges per complaint XXXX. They responded to the CFPB that they have credited my the full amounts of {$310.00} and {$220.00} for a total of {$530.00}. 

THEY LIED. 

I am being defrauded. I have called over a dozen times and American Express will not resolve the issue. 

THEY LIED TO ME, MY WIFE AND THE CFPB. 

I believe this to be INTENTIONAL and PERVASIVE practices that DEFRAUDING CUSTOMERS AND CAUSING HARM. 

I would wager a bet that these are both criminal and civil in nature. I would also have a VERY strong inclination to believe that this could be large enough to constitute a class action lawsuit.
Product: Vehicle loan or lease

Multiple issues : 1. Avid prevents customers from knowing how much interest and fees they charge in total by failing to provide any method to see these totals. They deliberately only provide monthly statements while preventing access to the total amounts.

2. Avid charges interest rates even when paying early. We contacted Avid today XX/XX/2021 and asked for the payoff amount. We were informed that paying early would not reduce the amount of interest charged.
Product: Mortgage

My Mortgage was transferred from XXXX in XX/XX/2020 to Shellpoint. I had been underemployed for some period of time and had just gotten a FT job at a facility as an XXXX XXXX XXXX. Every pay ( bi-weekly ) I have been sending Shellpoint {$1000.00} dollars to " catch up '' with my payments and improve my credit report. Within the last few weeks I have been battling the XXXX as I tested XXXX. I am currently one month behind due to this hindrance. I was just told that Shellpoint had sent an inspector out to my home to check that someone " lived '' there and was charging me {$45.00} for this. 

I have NEVER heard of such a thing. I refuse to pay XXXX for them to harrass me. I have been communicating with them every two weeks. My payment history with them since XXXX shows that I have been diligently adhering to my payments. What is the issue. This is unvarnished discrimination/harassment. 

Respectfully, XXXX XXXX