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

Credit reporting agencies have multiple charge offs on my credit reports. IRS considers any canceled or forgiven debt as income. Income is not allowed to put on my credit report. Credit reports are used to track my credit history. Credit reports do not include information about my income or employment status. 

XXXX shows 3 XXXX XXXX  charged off Accounts & a charged off account from XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

I received notice on my credit report which that I owe {$6900.00}. I informed them that I am exercising my right to discharge debt under 192 73-10. Also 18 usc 8 all debts are the obligation of the United States. Also by being a third party debt collector they are in violation of the FDCPA ( FAIR DEBT COLLECTION PRACTICE ACT ). Violations 806,807 ( 2 ), 808,807 ( 11 ) 809,812. It has become a burden and creating stress which is causing physical damages to my body. Also they in violation of 15 usc 1692 ( c ) a 15 usc 1692 ( b ) 2 b ( 5 ) 15 usc 1692 ( d ) 2 15 usc 1692 ( g ). This added stress creating hardship on me and my family. I was told I had no rights
Product: Mortgage

Dear CFPB, I have an investment mortgage with Shellpoint Mortgage Servicing. This loan originated in XXXX. 
I inquired into having the XXXX removed approx. a year and a half ago and did not continue the process due to the value not meeting the 70 % XXXX requirement. 
As property values have been on the rise, I decided to try again and called Shellpoint in order to find out the process of having my primary mortgage insurance ( XXXX XXXX cancelled. 
I requested to be mailed a letter on XXXX XXXX, XXXX. They emailed me a letter that had been issued over a year prior XXXX XXXX XXXX XXXX and said to use it as a guide to have your XXXX canceled. 
I called them back and requested to be mailed an updated letter of XXXXI cancellation instruction reflecting my current mailing address and current payoff amount. 
I called on XXXX XXXX XXXX and requested a new letter again be mailed to me as I never did receive the first one. They said they would issue a letter and mail it to me. 
I called on XXXX XXXX inquiring as to where the letter was because I never did receive one. 
I was told that they can not mail me a letter because I am unable to cancel my mortgage insurance ; This is what the representative told me : Per XXXX this loan is for a single family detached investment ( it 's actually a townhouse, not detached ). 
The borrower ( myself ) is not able to request cancellation of XXXX it is not permitted. 
And that when the mortgage is " midway '', XXXX XXXX XXXX, only then will the mortgage insurance be cancelled. 
I asked if I can just pay down the mortgage to 70 % loan to value ( XXXX XXXX in order to have it removed and was told that is not possible. 

Would you please review this matter on my behalf and possibly on behalf of other homeowners as well? 

Much XXXX, XXXX XXXX
Product: Credit card or prepaid card

My Macy 's credit card was closed in 2019 without my knowledge or notification. I have requested they remove the additional late fees and interest charged to my account as I didnt know it was closed until I saw it on my credit report. Ive sent dispute via XXXX  and wrote a letter requesting good will removal of neg commentsand additional fees. My credit is very important to me and I really need these items removed from my accout asap.My avaiable credit was XXXX it shows a balance of XXXX. I just want to be treated fair.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX & XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Checking or savings account

On XX/XX/XXXX I went to a XXXX where they have a atm machine for navy fcu I made a deposit after that that was the last time I had my card in my possession navy fcu denied fraud claim several times and I did not have my card or use my account for the charges they have on the account there is disparate treatment in this matter for unauthorized charges close to XXXX and this is beyond a financial hardship they are not m charges and now there is a domino affect of fees and nsf fees because the funds were stolen from my account
Product: Debt collection

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted trans union concerned about a inquiry on  XXXX / XXXX /  XXXX  , I was told to contact creditor. I contacted creditor who after a  1hr  call stated to dispute it because they have no information that pertains to me or the inquiry. I contacted the cb and they told me to file a complaint because they ca n't remove an inquiry unless the creditor sends documents to remove. Which they can not because the creditor has no info for the inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained secured Capitol One credit card XXXX 2022 with a security deposit. Then obtained regular Capitol One " Quicksilver '' credit card in XXXX 2022. Unfortunately, i had to file bankruptcy in XXXX of 2022. It is almost a year later and Capitol One still shames me by reporting the wrong high balance on my credit report. After dispute they corrected one of they of the line items.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this evening, and I can't understand why they're there. I checked my report like I always do, but this time, there were discrepancies that appeared out of nowhere. I even refreshed my browser, thinking it was a glitch, but the errors remained. Given this situation, I'm asking for the documents I've sent to be reviewed thoroughly so I don't have to worry about this again.
Product: Credit card

The highest balance on this SYNCHRONY BANK TJX card was {$950.00}. According to my email receipts, on XX/XX/XXXX, I submitted a payment of {$950.00} in an attempt to pay this card off in FULL. Synchrony bank rejected this payment and sent the payment back without notice. Instead of communicating this rejection to me, SYNCHRONY sent notice of a past-due balance on my account. Even when shown proof that I made an attempt to pay the full balance off and had ZERO communication from SYNCHRONY that my payment was sent back, SYNCHRONY made a negative mark on my credit report and refused to rectify this issue. I then made another payment on XX/XX/XXXX for {$800.00}, which left my balance at {$150.00}. This payment was accepted, and when I called SYNCHRONY to confirm the payment was accepted, I was informed that my account was closed because of a late payment, which was FALSE. 

As of XXXX, Synchrony is claiming that I have a balance of {$780.00} on this account that has been closed since XX/XX/XXXX. SYNCHRONY has a history of predatory practices against consumers like myself, and SYNCHRONY 'S predatory, false and arguably immoral credit reporting has been a major negative stain on the health of my credit. Additionally, because of this fraudulent reporting by SYNCHRONY TJX, my credit account with SYNCHRONY ASHLEY FURNITURE was closed as well, despite having XXXX missed payments. This fraudulent negative mark on my credit report recently caused ALL 3 of my CAPITAL XXXX credit cards to be closed altogether as well, despite all XXXX accounts being in good standing. I have since opened an investigation to try and get XXXX  XXXX to reopen my accounts, but the chances of success are low, as XXXX  XXXX is citing that their decision was based on this negative reporting from SYNCHRONY TJX. 

SYNCHRONY Bank 's fraudulent, predatory behavior has truly been the source of much mental and emotional stress in my life. To this day, I wish that I had the due diligence to do my research on SYNCHRONY bank prior to opening store credit cards with them, because this entire experience has been so exhausting to deal with and my credit has not yet been able to fully heal from this. After over a year of research I've learned that my case is NOT unique, and I am not alone in this experience. I urge the CFPB to do something and bring SYNCHRONY to justice. American consumers like myself are suffering greatly.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Collection/Charge Off ID FOR COMPLAINT SENT TO EQUIFAX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX Inquiries : ID FOR COMPLAINT SENT TO EQUIFAX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


Collection XXXX. Collection XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Collection XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Collection XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Charge Off : XXXX. Charge Off XXXX Account Number : XXXX Please remove it from my credit report. 

4. Charge Off XXXX Account Number : XXXX Please remove it from my credit report. 

5. Charge Off XXXX Account Number : XXXX Please remove it from my credit report. 


Late Payment : 3. Late PaymenXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 



I urge you to treat this matter with the utmost urgency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Reporting : XXXX XXXX I informed Experian the debt was past 4 years statute of limitations in Illinois. 
Nothing happened. 

I called again and they quoted FCRA which allows them to publish negative information to 7 years from date debt was incurred.
Product: Debt collection

XX/XX/2018 : A debt collector has reached out to me via phone to collect a debt for XXXX from 5-1/2 years ago. There has been no prior billing for this fee. I asked them for written verification of the details of what this bill is for and they stated that they could not provide but I needed to pay the bill. 
XX/XX/2018 : Received a USPS mail communication dated XX/XX/18 providing the requested information. Attached was a bill from XXXX showing a payment received of {$360.00} with a balance due of {$140.00} from XX/XX/18. 
XX/XX/18 : called Southwest Credti at XXXX and spoke to XXXX XXXX. She reviewed the collection and was not notified in her system of a 5 year statute of limitation in Illinois and they have a policy not to dismiss any debts. I asked her to verify that they would no longer be contacting me on this debt and she agreed. She then told me she would transfer me to the Executive Relations Manager as I told her I was filing a claim with the CFPB. I was put on hold for several minutes and then directed into a voice mail for the Executive Relations Manager. I did not leave a message.
Product: Money transfer, virtual currency, or money service

Gemini holding my funds created a passkey that i never had waiting for 3 weeks for customer services to answer an email they holding my money and i canot get it
Product: Debt collection

I have been contacted by Portfolio Recovery Associates several times in regards to a debt listed in the amount of {$720.00}. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. I've disputed this item several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Act ( FDCA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness.
Product: Debt collection

Medical bill paid by my medical insurance. And collection company still reporting bad debt and money owed.
Product: Vehicle loan or lease

Capital one auto finances said that I was late 3 days on my auto loan last year however instead of added a late payment the next month or the current month of the so called late payment the company waited till XXXX of this year to add it on to my loan. I asked them to remove it and said they are not allowed to just add a late payment fee when they would like to and I was on the phone with a manager who acted like he did not understand English. I said it very plainly that you are not allowed to add a fee when you feel like it and that it needed to be removed but they have had more than enough time to remove it but they still have not remove the fee. This is not correct. I even went as far as asking if my account is on auto pay how did I even end up with the fee and he could not communicate that effectively as well. So since the manager acted like he did not understand what I was saying I simply asked for the late fee to be returned and he said he would have someone reached out to me and that was in XXXX of XXXX  and no one has contacted me yet.
Product: Prepaid card

I purchased XXXX giftcards together valuing approximately {$1500.00} from Giftcards.com of XXXX. When I attempted to activate the cards, I was unable to do so and directed to contact customer service. I called and was told that they were unable to help me and would escalate it to their " second level department. '' They said it would take XXXX business days to receive a response. That was on XX/XX/XXXX. On XX/XX/XXXX, I still had not received a response and am still out {$1500.00} which I badly need. So, I called again. This time, I was told that they could offer me no information or help and that it could take an additional XXXX hours to receive a response. So, I waited a third business day. On XX/XX/XXXX, after receiving no contact, I called again. I spoke with a XXXX, then a supervisor, then a XXXX. All three told me that they could offer me no information or help and said that it would take another XXXX business days to receive a response. It is XX/XX/XXXX, and I have received no contact from XXXX. I need this resolved immediately. XXXX has wrongfully frozen my account for no explainable reason resulting in personal losses of time, frustration, and expenses.
Product: Checking or savings account

Writer deposited a check issued by XXXX XXXX of XXXX XXXX to a checking account with BMO Bank NA. BMO Bank placed a XXXX business day hold violating 12 CFR 229.10 ( c ) & 2 CFR 200.1 requiring next business day availability despite writer 's request from Branch XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX Account : 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 FCU 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 instructions.
Product: Debt collection

I have learned from the CFPB 's form that the firm MJRF ( Mullooly, Jeffrey, Rooney & Flynn LLP ) was supposed to notify me they were suing me before initiating a law suit. 

They never did that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Security Breach of 2017. Consumers were notified of this on X/X/2017 even though Equifax knew this information since XX/XX/XXXX. Unethical business practice.
Product: Credit card or prepaid card

I WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX XXXX AND THEY TOLD ME THEY WOULD RENT OR ADVERTISE MY TIMESHARE I PAID THEM ON XX/XX/09 XXXX WITH MY CHASE VISA CREDIT CARD. I NEVER RECIEVED A CONTRACT UNTIL XX/XX/09BUT I CALLED BEOFRE I RECIEVED THE CONTRACT TO CANCEL AND I WROTE THEM A LETTER AND THEY NEVER DID AS I REQUESTED AND NEVER RESPOND TO CALLS OR ANYTHING. I BELIEVE THEY ARE A SCAM AND WHEN I LOOKED UP ON THE INTERNET THERE ARE MANY COMPLAINTS ABOUT THIS SAID COMPANY ABOUT JUST TAKING PEOPLES MONEY AND NOT FOLLOWING THROUGH WITH WHAT THEY TELL THEM. PLEASE HELP ME GET MY MONEY BACK I LIVE ON A FIXED INCOME AND MY HUSBAND IS IN A XXXX XXXX. I NEED MY MONEY BACK. THIS HAS BEEN A BATTLE FOR AWHILE NOW. PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

XXXX Equifax XXXX XXXX I never apply or do business with this company XXXX XXXX XXXX they report a collection to my credit for {$590.00}. This collection do not belong to me need to be removed from my credit immediately. 

XXXX XXXX XXXX XXXX XXXX I never do business with this company they report a collection from my credit for {$1600.00}. This account do not belong to me need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

XXXX : XXXX  Account XXXX : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX Account Number : XXXX {$860.00} XX/XX/XXXX Experian : XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$6200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$640.00} XX/XX/XXXX XXXX : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX Account Number : XXXX {$860.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$6200.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX {$470.00} XXXX  XXXX XXXX  XXXX {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$220.00}