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

XXXX XXXX XXXX XXXX has mixed up some records showing a joint account beginning XX/XX/2013 amt due {$9700.00} When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit.
Product: Credit card

I have been experiencing a financial hardship crisis. I overspent the credit limit, and have been trying to get assistance to help me get the debt paid. I called Capital One and asked for help and was told there were no plans available for me. The late fees and interests are continually going up and I do not see any light to rectify this.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month.this is an update in the payment history.A charged off account should not include an active payment history.This inaccurate information falsely manipulates the statue of limitations.You failed to investigate this account properly and your neglect has violated my rights.I 'm demanding a deletion of the following accounts : 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

On Wed, XXXX XXXX, I received my credit report from experian and I wanted to update the file but couldnt get pass their protected bots and was continually hung up on not being able to update my records! My thing is what is the point of having companies report Fake News for the corporations to pump fake like their using a credit score to BORROW our credit that we the people extend. 2nd Most of the companies that they have reporting on my account are Banks and they are the Borrower per 12 USC 1431.

The whole system is Fraud and Deprivation of Rights Under color Law is the Conspiracy of Fraud that I am alleging.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX  XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company AND Account numbers for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Company : XXXX Account # : XXXX Company : XXXX XXXX XXXX Account # : XXXX Company : XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inconsistencies with this account and the dates on the closed. In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ACCOUNT NUMBER XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. Slates I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannogfumish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$610.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

-15 USC 1681 section 602 A. States I have the right to privacy and the right for inaccurate information to be removed from my Credit Profile.

-15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions - 15 ISC 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 years.

- 15 USC 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNTS ( XXXX XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX XXXX XXXX Ref # XXXX ) ( XXXX XXXX XXXX XXXX Ref # XXXX )
Product: Mortgage

I would like to submit a complaint against the XXXX XXXX XXXX  XXXX dba Shellpoint Mortgage Servicing regarding their insincerity in communication with a customer and the delayed internal process which caused an actual loss of customers money. 

In late XXXX ( around XX/XX/XXXX ), I have sent a request via the companys website ( XXXX XXXX XXXX XXXX XXXX ) to figure out my loan closing ( payoff ) process. As I was preparing on the sales of my coop apartment and I knew my mortgage with XXXX XXXX has been transferred to XXXX XXXX XXXX recently ( XXXX ), I have reached out to them in advance and wanted to check the status of my original loan documents transfer in order to set the closing date. Like other coops, my coop also requires bringing two original documents ( Original Stock Certificate and Proprietary Lease ) which the mortgage bank currently holds at the closing. 
Even though the company says they will reply back within two business days, I never received an email or a phone call from them. I sent few more requests later and also emailed to XXXX but never received their response. When I reached out to them via phone call, I was able to talk with their representatives but they kept saying that they do not have any update on my documents I gave them my contact info so that I can talk with their supervisor ( XXXX XXXX ) but she also never called me or emailed me back. 
So its been one and half month since I contacted them and until now I have no update on my original documents so I am not able to set the closing date of my coop apartment sales. I was supposed to close on XX/XX/XXXX but it has been delayed till now only because of their delayed process. Every day, I am losing my money about {$76.00} for the mortgage and the maintenance fees. And also, my purchaser has to extend his 1-year lease agreement if we fail to close within this month. 

My mortgage loan has been transferred to XXXX XXXX XXXX on XXXX and 67 days ( 45 business days ) have passed since then. If XXXX XXXX XXXX can not find my original documents by today, they have to admit a loss of the documents. And they have to pay {$400.00} to obtain new original copies from the coop management. I am already losing {$1800.00} due to the companys delayed process so the companys immediate action is required.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to inform you that Equifax has unlawfully furnished an alleged late payment on my consumer report. I have made multiple attempts to resolve this issue 15 usc 1666b Timing of payments states ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Pursuant to 15 usc 1637 b there are certain items that have to be mailed or delivered to the consumer no later 21 dates before the due date I have requested proof that this information was mailed or delivered to me no later than 21 days before the due multiple times it is now reasonable to a soon that they have no evidence and are just using the size of there company to bully me I will not stand for it I HAVE RIGHTS!!!

this alleged late payment which was inaccurately furnished on my report have caused me to suffer damages to my character life style integrity and my way of life I will be seeking legal remedy if this issue is not resolved 15 U.S. Code 1681n - Civil liability for willful noncompliance States ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB,, I am contacting you with hopes to get some resolve with my issues that I am having with identity theft and trying to demonstrate to these companies XXXX XXXX, and Wells Fargo, XXXX and XXXX that my identity has really been used and was used making transactions with my name and not by me or my behalf. I've sent my drivers license, and more to prove I am who I am and not anyone else Both are the only two that seems to be ignoring the fact that I am sending every document under the moon to get help and remove the negative information with XXXX XXXX stating they called the police department. Not sure how they even stated what they got because here is the actual report again. Maybe this will demonstrate that what I am saying is in fact honest and true. 

Today XX/XX/2022 I received a letter from the Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX because of my identity being stolen and that a payment was schedule to be sent because they had " ALL '' of my information including banking information. They filed on behalf of me using my name and had a dependent child and I now have to do another affidavit and police report with my identity. It doesn't get any more official than this and this and I have been plagued with this for several years now. I work, have a W2 and it's scary to see what is continuing to happen to me and I haven't filed my taxes yet. 

Attached are the IRS documents and as we speak I am initiating a new police report because of this situation as instructed by the IRS who also says to report this to all three of the major bureaus. In the case of XXXX XXXX it shows that you have transferred the account with this fraudulent account please send me the documents used to open the account please! if not I kindly ask that you not report this erroneous information with the purpose of continually destroying my credit worthiness. Wells Fargo I ask that you do the same. If you both can't please delete and I send this to you with my original filigns because it illustrates what is still happening to me. 

This time they used my personal information to file government taxes.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Cease and Desist Regarding Incorrect Late Payment Reporting To Whom It May Concern, I am writing to formally dispute the reporting of late payments on my account with Capital One Auto Finance. The auto loan associated with this account has been fully paid off ; however, your company has incorrectly reported late payments to the credit bureaus. This inaccurate reporting has negatively impacted my credit profile, and I am requesting that this matter be rectified immediately. 

Please be advised that I have reviewed my payment history, and the late payments currently reflected on my credit report are incorrect. As such, I request that you provide a detailed breakdown of the payments and any associated dates that you believe were late. Additionally, if you are unable to validate this information, I ask that you promptly remove these inaccurate late payments from my credit report and notify all relevant credit bureaus of the correction.

This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681s-2 ( a ), which requires furnishers of information to provide accurate information to consumer reporting agencies. Failure to correct these inaccuracies promptly may result in legal action to protect my rights.

In light of this, and until this matter is resolved, I am also requesting that you cease all further collection efforts or communication related to this account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I am exercising my right to demand that you cease any further contact unless it is to inform me that further collection efforts are being terminated or to provide information regarding specific legal remedies your company intends to pursue. 

Please take this matter seriously, as continued reporting of incorrect information constitutes a violation of federal law. I will not hesitate to pursue legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

Submitted completed borrower assistance form, and requested documentation to company to receive assistance in avoiding foreclosure as I was affected by XXXX. The company has continued their efforts to foreclose ignoring any communication from me. Ive emailed them everything requested to the email provided by the mortgage company representative via chat, as well as the fax number provided. To date, I continue receiving court foreclosure notices and filings- but absolutely NO communication regarding assistance. 


They have ignored my continued repeated efforts to avoid foreclosure, and instead fabricate narratives in order to foreclose on my home. All my attempts have gone ignored. I have received no workout plan, trial payment plan, modification etc. 

Consumers have rights, and they have violated those rights for their own financial benefit despite the rules put in place to protect consumers from such predatory and unethical behavior.
Product: Checking or savings account

We are a small Girl Scout Council in XXXX, XXXX Our credit card processing company recently changed from XXXX XXXX FiServ ( XXXX mandate ). That happen about mid XXXX. Ever sense that time frame FiServ has depositing our funds for council service fees into our main checking account then taking it back out the same day or the day after. Leave us with {$0.00} per {$7.00} transaction. Our AP person finally noticed the issue in XXXX. I contacted our FiServ contact manager about the issue both in email for in voice mail weekly and never received a response. I finally manage to catch him on the phone mid XXXX. He did some research and said we had to fill out a different form. That the info we had submitted was incorrect and their credit dept had put a block on our account. We submitted the requested info. 3 more weeks went by and the issue kept happening. I contact our support person at FiServ again and he spoke with his credit dept and they claimed that things were just taking longer than normal. It has now been 5 weeks since we submitted the change form. The issue is still happening. Nothing makes a difference. I have made a complaint to XXXX as well and they too never respond or deal with the issue.
Product: Credit card

XX/XX/year> - Upon closing the account I did not apply for, the company ( Barclays ) created a 2nd account ( without my knowledge ) and transferred the charges from the fraudulent account to the 2nd account. I became aware of the 2nd account on XX/XX/year>. During the interim, and since XX/XX/year>, there does not appear to have been any investigation, and interest and late fees were being added to the account. I have spoken to the company a total of 7 times ( XXXX XXXX XXXX XXXX XXXX XXXX with no resolution and continued interest, late fees, and flagging as past due. Detailed account of each communication is attached with documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Acct # starting in XXXX I am writing to dispute a charge off on my credit report that is past the statute of limitations. 

According to my records, the statute of limitations for this debt has expired, and as such, it should no longer be reported on my credit report. This account was settled in XX/XX/2016. 

I request that this charge off be removed from my credit report as as soon as possible.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2020 I was scammed out of {$1500.00}. 
The company portrayed to be a part of a national pandemic rescue for homeowners. They had me go through a lengthy interview process and I was referred to them by a fellow army  service wife.They were promising with about 15-20 % down and a service fee I would be eligible for $ 10,000-15,000 in Pandemic Assistance for Homeowners.

This turned into my worst nightmare. 
My son who is XXXX  years of age and goes to college full time, took money out of his personal bank account to help his mom out : ( After sending my payments I began to panic as they started asking me for more and more information and questions that did not pertain to the application I had just done with them. 
I immediately contacted my fellow army wife and got even more frightened because it didnt sound like her. It wasnt! she had been hacked! 
I contacted cash app immediately. Gave them all information, the number they were calling from, their information on cash app. I sent alert after alert to cash app. These hackers/scammers were visible on cash app for weeks and their number was working for weeks as well. Cash App did absolutely nothing! Nothing to help me, or to prevent these terrible people from doing it to others. 
Please, please help. I finally found you guys and the XXXX XXXX XXXX after months and months of contacting cash app with no help from them. Please help.
Product: Checking or savings account

Juno alerted us on XX/XX/XXXX about a disruption with their bank partner. It is now XX/XX/XXXX. Any reoccurring payments I had through Juno are not going through, even though the money in my account would cover those payments. My direct deposit was sent to this account on XX/XX/XXXX, and it is still not showing up in my funds. They sent one email about this issue, and have issued 5 XXXX. Currently, you can't call their customer support line, and no one is responding on the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Supposed debt is from a XXXX XXXX  who is no longer open, I have no way to contact them. I never received any billing from that business in the 6 years it was supposedly owed. This collections company got the account I assume when the office closed. I first requested information from them in XXXX and never received it, nor did anyone. Intact me again until XXXX when they sent it to my credit report. The person I spoke to on the phone was horribly rude and spoke over me the entire call. The debt they show I owe from the office is around {$300.00} less than what theyve reported. This excess is said to be interest on them having this account they say is owed. This is a XXXX XXXX that closed. No one contacted me in 6 years saying I owed anything, I no longer have that insurance nor card I paid with, and the office is closed.
Product: Debt collection

i dont know i am just asking to remove this account i have no knowledge of have proven to the creditor this is an identity theft report
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX improperly recorded my payment of {$130.00} as a transaction instead of a payment on XX/XX/XXXX. I spoke to the company several times regarding this and the customer service manager agrees with my claim. However, they say a different department handles the credit reporting and they couldn't help rectify the false reporting. I provided them an ACH report from my bank showing the cleared payment. Because of their improper data recording this has negatively impacted my credit report and financial well being. I do not feel comfortable as a consumer with this company having the ability to report their inaccurate data on any public platform that has the ability to cause financial harm to me and my family. 

In accordance with the Fair Credit Reporting act XXXX Account 's XXXXXXXX XXXX XXXXXXXX, Account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A state that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. I have told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX, Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if my bank AND their own website shows a payment was made. According to 15 USC 1681i ( 5 ), they are must modify accounts that aren't reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX XXXX XXXX XXXX XXXX who represents PennyMac Loan Services LLC filed for foreclosure under case ID XXXX. After XXXX XXXX XXXX XXXX failed to provide requested information. A active and ongoing dispute was filed with the courts and all payments have been suspended. However the home owner XXXX XXXX has paid the property taxes in full up till the year XXXX and has paid his home owners insurance in full for the past year and current year XXXX XXXX - XXXX this payment was made on XX/XX/XXXX to XXXX XXXX under policy number XXXX. However PennyMac again fraudulently made a payment on XX/XX/XXXX XXXX the question is where did they get the money to pay for insurance if no mortgage payments were allegedly made, And if mortgage payments were made None of them would be late as they try to claim. PennyMac is trying to place XXXX XXXX into debt by making fraudulent payments after he has paid in full and forcing the insurance company to refund him back his escrow payments. Which would place him behind on payments because PennyMac fraudulently made a extra payment and removed the precious escrow payment made by the home owner XXXX XXXXe. PennyMac is XXXX bent on trying to raise the mortgage payments too cause default.