23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

On XX/XX/XXXX, XXXX XXXX sent me a letter where it says that they have agreed to delete the XXXX/XXXX XXXX inquiry with a date of inquiry of XX/XX/XXXX from my credit report. On the letter it also says that XXXX XXXX had sent TRANSUNION request to delete the inquiry from my credit report, it seems to me like TRANSUNION had enough time to delete the inquiry from my credit report and send me a copy of an updated credit report, this request was sent to them over 6 months ago and the inquiry is still showing on my credit report. I dont know why TRANSUNION is not doing what they were told but the creditor has agreed to delete the inquiry from my credit report.
Product: Student loan

I am on an income based repayment plan through Navient. I submitted my yearly tax returns to have my payments reassessed. On XXXX XXXX I got an email that the payment term for my loans had changed and my next payment amount was {$340.00} due on XXXX/XXXX/16. On XXXX XXXX I got XXXX emails. The first said that the payment term for my loans had changed and my next payment amount was {$360.00} due on XXXX/XXXX/16. The second said that the payment term for my loans had changed and my next payment amount was {$51.00} due on XXXX/XXXX/16. On XXXX XXXX I got a monthly statement email that said my next payment amount was {$760.00} due on XXXX/XXXX/16. When I logged into my Navient account to check which amount was correct it said that the auto-pay would bill my bank account {$760.00} on XXXX/XXXX/16 and XXXX/XXXX/16.
Product: Debt collection

I am submitting this formal complaint against Shellpoint Mortgage Servicing due to fraudulent debt collection practices, misrepresentation of my loan terms, and predatory lending tactics that have resulted in financial and emotional distress. 

Background of My Mortgage I originally purchased my home in XXXX and made regular mortgage payments without issue. 
In XXXX, I refinanced my home through a different lender. 
In XXXX, I was contacted by Shellpoint Debt Service Collection, claiming I had not made a single payment on a second mortgage since XXXX and that they intended to foreclose on my home. 
At first, I believed this was a scam, as I had no knowledge of this second mortgage and had never received any prior notices or payment demands. 
Issue with Loan Modification & Misrepresentation In XXXX, under pressure to save my home, I agreed to a loan modification with Shellpoint, despite their failure to provide a validated promissory note proving I owed the debt. 
Since then, Shellpoint has continued to alter my loan terms, including : Increasing my interest rate without proper justification. 
Raising my monthly payments beyond what was originally agreed upon. 
Failing to provide proper documentation on how my payments are being applied. 
Making inconsistent claims about the validity of the debt. 
Unfair and Deceptive Practices Shellpoints actions violate multiple consumer protection laws, including : The Fair Debt Collection Practices Act ( FDCPA ) Failing to provide debt validation and using intimidation tactics. 
The Real Estate Settlement Procedures Act ( RESPA ) Failure to properly disclose loan terms and account for payments. 
The Truth in Lending Act ( TILA ) Changing loan terms without proper disclosure.

Requested Resolution I am requesting that the CFPB investigate Shellpoint Mortgage Servicing for deceptive and unfair practices. Specifically, I demand : Full validation of this debt, including the original promissory note proving I legally owe this loan. 
A thorough review of Shellpoints loan modification process to determine if fraud or predatory lending was involved.

An immediate correction of any unlawful charges, interest rate hikes, and payment increases.

A halt to any foreclosure actions until this matter is resolved.

I have attached all relevant documentation, including payment records, correspondence with Shellpoint, and loan modification agreements. 

This situation has caused me extreme financial hardship and emotional distress. I urge the CFPB to take immediate action against Shellpoint to prevent further harm to consumers facing similar deceptive practices. 

Sincerely,
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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XX/XX/XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

i received a notice from Experian that a account that does not belong to me was placed in collections XXXX XXXX XXXX, this is fraud this account does belong to me, please investigate this for me and delete from my Experian report
Product: Credit reporting or other personal consumer reports

Subject : Formal Notice : Inaccurate Payment Reporting for XXXX XXXX XXXX  Account and Unjust Credit Score Impact This letter serves as formal notice of your failure to accurately report my payments for my account with XXXX XXXX XXXX. This inaccurate reporting has unjustly led to a monthly credit score decrease of XXXX points despite my demonstrated compliance and timely payments. Your actions violate the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], which mandates the accurate and fair reporting of consumer credit information. 

Account Information Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Description of Issue : INACCURATE CREDIT REPORTING SINCE XXXX. 
Violations of Federal Law Under the FCRA, credit reporting agencies and furnishers of credit information are legally obligated to ensure the accuracy and completeness of all information reported. Your actions violate the following provisions : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information in consumer reports.

15 U.S.C. 1681s-2 ( a ) : Furnishers of information must provide accurate information and promptly correct any errors when notified by the consumer or the credit reporting agency.

15 U.S.C. 1681i ( a ) : Upon notification of a dispute, consumer reporting agencies must conduct a reasonable investigation and correct or delete any information found to be inaccurate. 
Harm Caused by Your Actions Your failure to accurately report my payments and the corresponding unjust credit score decreases have caused financial harm, including but not limited to : Reduced creditworthiness in the eyes of lenders. 
Emotional and financial distress due to incorrect reporting. 
Demand for Immediate Corrective Action I demand that the following actions be taken within 10 calendar days of receipt of this letter : Immediate Correction : Update my credit report to reflect accurate and timely XXXX XXXX XXXX  account payment history. 
Written Confirmation : Confirm that my payment history has been corrected and is now accurately reflected in my credit report.

Credit Score Review and Adjustment : Conduct a thorough review of the unwarranted decreases in my credit score and make the necessary adjustments to restore my score to its accurate value. 
Preventive Measures : Outline your agency 's steps to prevent future inaccuracies. 
Legal Ramifications of Non-Compliance Failure to address this matter in a timely and satisfactory manner will leave me with no choice but to take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Pursue legal action under 15 U.S.C. 1681n for willful non-compliance, including actual damages, statutory damages, attorney fees, and punitive damages. 
Enclosures Please find attached : Payment records for the XXXX XXXX XXXX  account demonstrate timely payments. 
Recent credit reports show that inaccurate reporting and unjust scores have decreased.
Product: Mortgage

I am a XXXX XXXX working with a client trying to avoid foreclosure. He tried contacting his lender numerous times regarding options for modification. They over and over told him to complete loss mitigation package sent to him. Informed him each time he sent all the documents over that he was missing documents, they never received them or that his documents were expired by the time they got the other documents. This has continued for over 2 years now and the ct is now in the OREGON FORECLOSURE AVOIDANCE PROGRAM. We both have experienced trying to contact the account manager in the case and left a number of voicemail and never received a call back. The client and I have yet to get a finalized review for a loss mitigation options for home retention. They continue to not be responsive and prolong the process it feels like till they client has not other option due to all the fees they 've inquired by the lender prolonging the process. When the homeowner has complied and provided all the documents needed.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
CHILD SUPPORT ENFORCEM - XXXX
Product: Mortgage

Due to my divorce agreement, my ex-wife was court ordered to pay the mortgage and all carrying charges ( I have documents ) until the children were emancipated and the house was sold. She stopped paying the mortgage and I was never informed. They have been reporting this to the credit agencies and it 's affecting my credit rating.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear XXXX, I am writing to dispute inaccurate information reported on my credit report concerning an account with XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute information that is incomplete, inaccurate, or unverifiable. The account details in question are as follows : - Creditor Name XXXX XXXX XXXX Account Number : - Nature of Dispute : Inconsistent and inaccurate reporting of account details, payment history, and status. 

Specific Discrepancies : 1. Payment History Accuracy : - My payment history reflects 93 % of payments made on time, yet the report also indicates a " Not Current '' status in certain months. This inconsistency does not align with the record of my payments, which show no amounts past due as of XX/XX/2024, with the status listed as " Current ''. 

2. Account Status Misclassification : - The account is inaccurately classified as an Open Charge Account while no past due amounts ( {$0.00} ) are reported. This designation is misleading and could negatively impact my credit score. 

3. Utilization Report Error : - While my credit utilization is noted as 63 %, the report inconsistently lists the credit limit twice as {$2900.00}, which creates ambiguity. The reported balance of {$1800.00} should reflect correctly based on my payments Applicable Consumer Protections : Under the FCRA : - 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy in their reports. These inaccuracies violate this requirement.

- 5 U.S.C. 1681i ( a ) : I am entitled to a thorough reinvestigation of disputed information within 30 days.

- 15 U.S.C. 1681i ( a ) ( 5 ) : If the information can not be verified, it must be corrected or removed promptly.

Requested Actions : 1. Investigate and verify the account information, including payment history, account status, and credit utilization.

2. Correct any inaccuracies or inconsistencies in the report.

3. Provide me with written confirmation of your findings and a corrected credit report. 

If the information can not be verified, I request its immediate deletion from my report. Failure to address this dispute adequately may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies. 

I look forward to your written response and resolution within the legally required timeframe. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 4th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been opened or made in my name without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit report.

Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

It was reported on XX/XX/2021 for XXXX that I don't owe .And it has brought my credit score with all three credit reporting agency.
Product: Mortgage

BSI Financial has charged several fees where they will not break down and itemized list of dates relevant to the fees being charged. For example uncollectable fees add up to over {$400.00}, but they won't give me specifics per each transaction.

One of the fees which has been illegally charged to me was Administrative Fees charged on. This was after a bankruptcy. I was discharged on XX/XX/XXXX. 

Note the excerpt that was sent to BSI 's attorney XXXX XXXX from the Bankruptcy Attorney 's Office, XXXX XXXX ( who represented me on XX/XX/XXXX. 

" She contacted me because there was a late fee applied on XX/XX/XXXX in the amount of {$470.00}. She tried to call and find out what this is but no one will discuss it with her. A Notice of Final Cure was filed on XX/XX/XXXX and no response was filed by your office. Please let me know what this late fee is for and why it was issued the same day as her discharge. I have attached a copy of the statement. Thank you. '' There was no response from the Attorney. In addition, I have continuously asked for an explanation from customer service on a recorded line as well as the Loss XXXX, XXXX XXXX for who I spoke with on the telephone on a recorded line on XX/XX/XXXX. When I gave him the date relevant to this fee, he indicated that his computer was locked and that he would have to get back to me. I gave this two weeks and sending him another email XX/XX/XXXX, I am still getting the round around with no explanation regarding the " administrative fees ''. 

I am very concerned that the administrative fees was an illegal act. In addition, these other fees are not balancing to what I am being charged. I am requesting an assessment of these fees ( itemized ) and the illegal administrative fees charged removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the **Bureau** credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX ACCOUNT NUMBER XXXX OPEN DATE XX/XX/XXXX, XXXX account number XXXX open date XX/XX/XXXX, XXXX  XXXX account number XXXX open date XX/XX/XXXX, inquiry-XXXX XXXX XXXX XXXX open date XX/XX/XXXX XXXX, XXXX open date XX/XX/XXXX, XXXX presentXXXX open date XX/XX/XXXX, XXXX  XXXX open date XX/XX/XXXX, XXXX XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX XXXX open date XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, INCORRECT addressesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, hard inquiries and addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, hard inquiries and addresses are the result of identity theft and fraud.
Product: Debt collection

I applied for credit and denied and upon like at my credit I notice this collection : AFNI/XXXX  {$860.00} reflecting my credit report that does not belong to me nor did I apply for any credit with this company. I have contacted this company and XXXX  about this issue and consisting receive the same frivolous response that is incorrect and fraudulent information.
Product: Checking or savings account

I still cant add bank account or withdraw my XXXX Even tho company claimed they fully fixed me account Even if I add bank account they will say you have to withdraw using the original form of deposit which was XXXX So how can I withdraw my money huh? 

They are obviously doing as much as shady tactics to steal my money as much as possible I need this fixed as soon as possible
Product: Money transfer, virtual currency, or money service

I have a Coinbase account. The password reset function on their website and app did not work ( the link via email would send me to Coinbase 's main webpage ). It appears that this has been a problem for other customers for days based on some online searches. Customer service could not provide information and would engage in shady practices ( placing me on hold on multiple occasions for long periods of time, refusing to stay on the line and answer further questions or assist, etc. ). As a result I have no access to my account and no information or method in order to regain access. While the website says that you can speak to customer service to speak with a security expert for password resets, that option was completely unavailable. I have never had a worse customer service experience.