23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After receiving the initial notice of the debt, I called XXXX XXXX to get more information about the debts owed. In my conversation with the agent, she went through several common problems ( failure to submit notice to vacate, cleaning fees, rent owed, etc. ), but none of these situations applied to me as reflected by the payments on my account. She said that she would discuss this with her manager and return my call to explain the debt. My call was never returned, and I have not received any further communication until I received another collection notice this evening. I have attempted to contact XXXX XXXX multiple times since the original outreach, but my calls and messages have not been answered.
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 Account # : XXXX, has violated my rights. 
-XXXX  XXXX Account # : XXXX, has violated my rights. 
-XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # : XXXX, has violated my rights. 
-XXXX  XXXX XXXX  Account # : 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

i lost around XXXX dollars from XXXX due to XXXX  not being able to compensate me for sending money to the wrong person and not being able to get my money back for fraud
Product: Mortgage

Timeline and Summary of loan # XXXX Shellpoint ( address ) This has been our family home for the last 30 years. In XXXX of XXXX, my mother passed away and my father, XXXX XXXX wrote to Shellpoint to inform them that he had given me permission to speak on his behalf. ( see documents ) In XX/XX/XXXX we received a letter from Shellpoint stating they were servicing our family home loan. On XX/XX/XXXX I mailed our first payment and did so consecutively for the next 3 months. 

In XX/XX/XXXX Shellpoint wrote a letter stating we were behind on our mortgage payments. The amount due was {$8600.00}, which included, interest, late charges, and various other fees that seem to change daily. 

I have copies of canceled checks from XXXX and Shellpoint for our monthly payments. During XXXX I reached out to the City of XXXX Housing Program to help with our communication. At that time the company was known as XXXX XXXX  and I had requested copies of our 12 month payment history. 

This has been an ongoing problem with three different servicing companies, that claim my parents missed payments. Ive repeatedly requested payment history information from XXXX. Before we know it the loan has been sold to another servicer. ( Shellpoint ) We did a re modification in XX/XX/XXXX principal balance was {$100000.00}. We made all our monthly payments. In XX/XX/XXXX Shellpoint sent a validation of debt notice of {$110000.00}. 

This has been an ongoing pattern from all three servicing companies, and has brought a great deal of uncertainty, confusion and stress. This loan started out as a {$120000.00} dollar loan in XXXX. This has been a vicious cycle of false claims of in default, remodifications, threat of foreclosures and other unscrupulous accounting practices. 

I would like Shellpoint to provide us with our last 24 month payment history and to remove the {$8600.00} in late charges and fees that we have no knowledge of, nor have we agreed to. ( see documents )
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX  Bankruptcy XXXX, XXXX XXXX XXXX Late Payment Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX XXXX, and Charge Off Account XXXX XXXX XXXX. 

I would like to point out that the XXXX XXXX Bankruptcy was discharged, and I have taken steps to rebuild my credit since then. I am aware that these accounts have negatively impacted my credit score, and I am actively working to improve it. However, some of the information regarding these accounts is inaccurate or incomplete. For example, the Late Payment Account w
ith XXXX should have been removed from my credit report as it was a mistake on their part, and I was never late with payments. The Charge Off Account with XXXX XXXX was included in the bankruptcy and should not be reported separately. The Charge Off Account with XXXX was settled and should be marked as such. 

I would appreciate it if you could investigate these accounts and correct any errors or inaccuracies. I have attached relevant documentation to support my dispute. Please let me know if there is any further information you require from me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

My mother is in debt regarding her vehicle. " XXXX '' " XXXX XXXX '' from XXXX has called my home and cell numbers repeatedly. They have called MY NEIGHBORS to ask if they know my mother and why she is in debt over her XXXX vehicle. This is an embarrassment and violation of sharing information with a XXXX party. When I called and told them to stop, they called me back and harrassed me further to talk to my mother. I asked them for an address for his business. He refused to give it. I asked him for the phone number from which he is calling. He refused to give it. He continued to ask to speak to my mother. I stated he was in violation of law for continually calling me and for contacting XXXX party people and sharing information about my mother 's debt. When I continued to repeatedly ask for his address and phone number he hung up
Product: Credit reporting or other personal consumer reports

account.

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 1881. 

Accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 section 802 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. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2017 after the large security breach, I placed a security freeze through each of the 3 credit reporting companies - XXXX, XXXX, & Equifax. This was a long, tedious process but it was finally accomplished. With XXXX I had no trouble lifting the freeze. However, I am finding that trying to unfreeze the accounts through XXXX and Equifax has been not only hard but nearly impossible. I was given pin # s to use by XXXX and XXXX but NOT by Equifax when I was ready to lift the freeze. 

I have tried repeatedly to have my security freeze permanently removed from XXXX, using the pin # they sent me but it keeps giving me a security freeze error and then recommends that I call them at XXXX. This automated system does not give you the option of removing a freeze, only of placing a freeze or fraud alert and there is no capability of talking to a live person. I have also tried their site at experian.com/upload but keep getting the message that the documents are not loading. Although sending my information online has it's risks, I feel like sending all of my information through the mail feels like an even riskier option. 

As for Equifax, I do not know how to proceed since I can not find any paperwork they sent to me with a pin #, like the other two did. 

I would greatly appreciate your help with this problem. 

Thank you.
Product: Credit card or prepaid card

Dear rep ' Please be notified that in the last XX/XX/XXXX, i agree to exept " Citi Dimond Preferred card '' offers of balance transfers with 0 % APR for one year, i requested balance transfer to my credit card account with XXXX XXXX of XXXX, and i start send citi diamond first payment at XXXX XX/XX/XXXX, sinc XX/XX/XXXX till XX/XX/XXXX i end up sending to citi dimond payments total of {$17000.00}. 
when i recieved the last statment for XX/XX/XXXX showing balance of {$3600.00}, i decided to check that with XXXX XXXX, i spoked with the super visor of XXXX XXXX that review my account back for 14 months, find that NO money was transferd by citi dimond whath 's or ever. 
on the top of that citi diamond claim sending found under my name to XXXX XXXX XXXX XXXX XXXX, that not even belong to me, i never add any XXXX XXXX XXXX 
i want to indicate that citi diamond did not send me any card with my name. 
i'me XXXX XXXX XXXX, living on social security income, and raising my XXXX grendchildren, i can't afford to loss money. 
please, i desperately need your help to solve this issue by getting my money refund to me. 
I having all the docments to proofs this claim. 

Thank you. 
Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan of XXXX us dollars and agreed to pay XXXX. I paid XXXX XXXX dollars, and they required me to pay back XXXX When I asked to provide information, I received nothing. I plan to try to stop these charges from my bank, but I am not sure it will stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and used after me and my family moved to another house my information was used to take out student loan and other stuff I have never been to college so I don't no why my information was used to take out student loan I would like you to please removed these fraudulent items from my credit report. thank you. 




XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late XXXX XXXX XXXX XXXX Status - Balance {$0.00} Type Collection Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$3600.00} Type Credit Card Payment Status Unknown XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$6500.00} Type Credit Card XXXX XXXX XXXX   XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late
Product: Debt collection

I paid the collections, XXXX XXXX XXXX, the full amount owed. It 's still showing up on my credit report under CBE Group with XXXX XXXX as the original creditor. I 've tried to call the CBE Group and they 've told me that there is n't anything that they can do because XXXX XXXX recalled the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I paid in full a personal Bank of America credit card balance in the amount of {$2000.00} via an ACH transfer from my personal savings account. Shortly after I paid this account in full Bank of America refunded {$2000.00} to a separate account. This was apparently an error or a fraudulent refund to someone other than myself. I never requested a refund nor was the $ refunded to any account that I own or have any knowledge of. I promptly reported this to Bank of America and one of the first people I spoke to stated that the money was refunded to an account with a different account number which is against their normal policy. I have spoken to many people since, numerous hours on hold and no resolution. Bank of America representative XXXX XXXX then advised me that they had completed their investigation and determined that the money was refunded back to my account that I used to pay the amount originally ( this is not true and they have not supplied me with any proof of the routing of this refund ). I even faxed my bank statements to Ms XXXX to show that the money was never refunded to my account. I continued to make payments for several months while this was being investigated but eventually decided to discontinue the payments. Bank of America is now reporting my account as past due, impacting my credit score and causing other lenders to discontinue existing credit I have. My XXXX score was XXXX and now XXXX. Bank of America has had 8 months to resolve but they have not and are now negatively reporting my credit history and affecting my credit. In my opinion this is a UDAAP violation. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I am trying to buy a house and these things are delaying my home buying process. I have been a victim of aggravated identity theft. I need these items removed asap. Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over XXXX  days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn't provide sufficient proof the said has applied for anything. Thank you for your prompt assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

.I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is reporting a fraudulent credit card that I never applied for under and address that I have never lived at. 

The listed address is an address for a business in which my credit report incorrectly also claims that I was employed by. Obviously, this isn't even a residential address so I could not live there so I don't even know why a card was given anyway. 

Furthermore, why would someone grant a card to someone in which their residential address is plainly the same as the company they were employed by? 


This account is not mine and this address is not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX county collections, I found the information you asked me for. Complaint # XXXX. I 'm sending you evidence to. At the time I was staying at my son 's house in XXXX until I got my social security for being XXXX.we finally saved money to get our own place in XXXX, and in XXXX XXXX I was in the XXXX hospital getting the therapy I needed to be a little more self sufficient, I was an XXXX XXXX for about two months in XXXX XXXX , ca. TransUnion as well.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Co
de 1681b.
Product: Credit card or prepaid card

On XX/XX/XXXX I personally received an email for the Executive Office of Discover.

As I stated the Consumer Protective Agency is involved and your company must follow the protocols. This debt was charged off and closed. 

This company wants to go around the federal government to engage in harassment or abuse. They don't want their communications seen by the Federal Government. 

I do not want any contact with this company. 

My last payment to the account was in XXXX. They put three payments on in XXXX illegally in order to ruin my credit and to restart the debt clock. All of my payments were made by United States Postal Money Order. They can produce the payments " they claimed '' was made to the CFPB by scanned document. I only paid with United States Postal Money Order.

IF they can't produce this I am requesting the account be removed from my credit. The account has reached 6 years 4 months. Early Exclusion rule applies. This company has reported different dates to each creditor as to when the account was opened and when the last payment was made. XXXX XXXX stated Discover told them the account stays on until XXXX. The account is supposed to come of in XXXX. Early XXXX. Last payment XXXX of XXXX. It has been 6 years and 4 months.
Product: Credit reporting or other personal consumer reports

I have been working on my credit since XXXX  and have reached out to the credit bureau 's about these inaccuracies on my report. There are multiple addresses incorrect and misspellings of my name.
Product: Vehicle loan or lease

I have leases a car from honda and payed the debt down to XXXX completely and about 3 months later my credit starts to receive a drastic change because honda has taken the time to charge me an excise tax that they were suppose to pay and apply to my bill. The XXXX $ payment was added 3 months later after the account was closed and settled completely and the car was no longer in my possession and total. 

I have reached out on multiple occasions but they feel as this my fault meanwhile city hall and Massachusetts requires the bill get put on the note of the lease to get payed as a result breaking their own rules and sending the amount into collections after trying to solve the issue.
Product: Debt collection

This was originally taken off the credit reports after being disputed. They decided to put the debt back on the credit report and now are falsely stating that the first major deliquency was from XX/XX/XXXX when the card in fact is from XX/XX/XXXX-XX/XX/XXXX. They are making the card and charge off look newer than it actually is. The original creditor is still on my report with the correct date. They are trying to sabatoge my credit report and even when disputed will not update with accurate information.
Product: Credit reporting 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 Account # XXXX, XXXX XXXX account # XXXX, XXXX Account XXXX XXXX, and XXXX XXXX Account # XXXX has violated my rights. 

156 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On Monday, XX/XX/2022, I added the same XXXX XXXX XXXX XXXX card to my Cash App profile ( that I always do ) as I was getting reading to " CashOut '' so can get cash for my am commute ( XXXX miles ) in XXXX XXXX as a local government employee. 

CashApp immediately locks my card ( account value {$810.00}, stock value {$230.00} ) and sends me bounceback messages about freezing the account for XXXX hours and they would " get back '' to me with the results of their " investigation ''. I just used the app at XXXX, XXXX, and XXXX 's the evening before to buy baby food and diapers, and now this. 

So resulting, I can't travel to work today. I called CashApp and the reps are much help as they give the same script I received online through bounceback messages. 

To say this is a problem is a grand understatement.
Product: Credit card or prepaid card

Goldman Sachs used an old XXXX XXXX  that is NOT a valid email to me. They kept using that address, and I never got the notices on an account I started on XX/XX/2021. They then recorded and delinquent status to my credit report as three months delinquent on XX/XX/2021. Neither Apple nor GS would do anything about their error in assuming my XXXX XXXX  is my email. ( Old IDs could be anything, but more recently, Apple has required that IDs be valid emails ), unbeknownst to likely other customers who had old XXXX XXXX and had never used an Apple Card and me. The internet is rife with this problem and associated complaints. 
I asked them to release that delinquency, given a changed rule victimized me at Apple with GS that occurred two years ago and about which I was not advised. And restart their billing as of today. None of my credit card accounts are even 30 days past due. -- and they refused. They also would not refer this discussion to anyone who could help. 
THIS IS GROSSLY UNFAIR! and violates the transparency in lending. 
Apple consumers beware of this agreement between Apple and Goldman Sachs. This requires you, the customer, to use your email as an ID when you may not want it all over the internet and when all other credit cards can use the email you applied with as the notification destination.
Product: Debt collection

Dear IC Systems, I am writing to formally complain about your company 's handling of an account that does not belong to me. Despite multiple attempts to resolve this issue through various communications, the disputed account remains on my record without proper action taken by your company. The account in question, XXXX, does not belong to me and is inaccurately attributed to my name. I have contacted your office on [ XX/XX/24 & XX/XX/24 ] and provided all necessary information to support my claim. Despite my efforts, the account has neither been removed nor appropriately marked as disputed/investigated, as required by the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA mandates that debt collectors must investigate and validate disputed debts and mark such debts as disputed while the investigation is ongoing. IC Systems ' failure to do so not only violates the FDCPA but also causes undue stress and potential harm to my credit report and overall financial well-being. If this issue is not resolved immediately, I will be compelled to escalate this matter to litigation and seek compensation for any damages incurred.