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

To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and/or TransUnion credit report. My latest credit report shows 18 credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

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
Product: Debt collection

This was put on my collections, however, I have never been sent any form of information regrading this debt. Via mail, email, only phones calls with no voicemails left over. This was put in collections in XXXX XX/XX/XXXX, it is now XX/XX/XXXX of XXXX and the statutes of limitations 15 USC CODE 168157 states that collectors have 4 years to collect a debt in the state of California. It has now been XXXX, I have tried to come to an agreement. My agreement was XXXX dollars out of XXXX, yet I have not been sent any form of proof of debt, my signature or anything. Simply a collection in my account that I continue to fight that I am exhausted of fighting for and want off my account IMMEDIATELY. The statue of limitations needs to be enforced to this debt and removed from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Is reporting XXXX XXXX on time and closed. This XXXX  account, ( s ) is old and should not be on any credit profiles XXXX Experian and XXXX. XXXX is being reported muliple times.
Product: Credit reporting

I received a 30 and 60 day late notice on my credit that was reported by XXXX Bank. I disputed XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full XX/XX/XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee XX/XX/XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized XXXX Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. XXXX Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees XX/XX/XXXX ... two years since I requested it to be closed. XXXX Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the 60 day notice. XXXX Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that XXXX Bank could have provided a coutesy removal of late notices but did not contact them in time ... XXXX Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of XXXX Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XX/XX/XXXX I spoke with XXXX ( Agent number XXXX ) over the phone with Capital One in regards to account number XXXX and requested that the late payment remarks dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX made to my consumer report be removed due to it being non-public private, personal information, violating my rights under 15 USC 6803 A 1 Disclosure of institution privacy policy. XXXX denied me the right to control what is allowed to stay or be published to my consumer report also violating 15 USC 6802 - Obligations with respect to disclosures of personal information. I did not give capital one any permission to publish such defamatory information. These actions have caused me great emotional harm and serve XXXX as I am unable to utilize my consumer credit appropriately do to the on going abuse Capital One has created. I am extremely disappointed in Capital One for doing this to a customer of 7 years who has shown nothing but loyalty to your organization.
Product: Credit reporting or other personal consumer reports

Subject : Request for Reinvestigation and XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/2024 ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process.

Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ).

2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests.

3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Mortgage

Received a demand letter from the town  stating a landfill tax of XXXX plus interest and fees for the mortgage co not paying it - resulted in a XXXX bill. My husband had called the town of XXXX XXXX, ma to ask what it was since hes never seen a bill labeled that in other towns we lived in, and 2. He never saw the initial bill to begin with. The town  said we didnt see the bill because it was sent to the mortgage company- they didnt pay it and thus why we saw the demand letter. When my husband called last Thursday, homepoint financial ( the mortgage co ) stated to send the bill over to XXXXXXXXXXXX.XXXX and they would look into it. Never told my husband that it takes up to three days not including weekends to even get the email or the images uploaded. So on Monday at XXXX XXXX est I spoke with a cs rep there who told me they still didnt see any images and that they never saw a bill for the original XXXX for landfill tax. So I told her I found that odd since the town said they sent it out to them. And when they didnt pay thats when we got the demand letter. Town was rude saying there would be a lien if XXXX wasnt paid on XX/XX/XXXX. So the cs rep at homepoint told me to send over the bill again and her supervisor XXXX XXXX @ XXXX would look into it. However she also said it would take 3 days for her supervisor to research it so it was best we paid the bill. She was going to get the bottom of why they supposedly didnt pay that tax bill and 2. The cs rep said they would ask the town  why it was labeled something that the town  was saying was mislabeled to begin with. They ( the town ) are saying its not a landfill / utility tax that its a tax increase bc all homes in town got recently assessed. I have been waiting on the town collector to clarify why the bill reads wrong. 
As waste management in the town told my husband on Friday that it was not a landfill /utility tax for waste management. 

I specifically after finding out how long homepoint was going to take to research this bill of XXXX stated in an email to XXXX XXXX that we were paying it via certified mail as it was due XX/XX/XXXX. She goes ahead and tells me shell research it in email and then pays the town again. I was told by a cs rep that this will increase our mortgage. 

I never in that email to XXXX stated that they should pay it. I specifically said we were on Monday XX/XX/XXXX. I asked why they ignored it though when the town stated it was sent to them directly previously. No answers to that. Just goes ahead and double pays the town. 

Now the town  is double paid and we are paying twice - once with a check we paid out to them and now because XXXX at homepoint didnt read an email correctly- an increase in the mortgage. 

Ive asked them to credit the XXXX before legal action is taken and to get their money from the town that they knew we were paying. Still no credit to loan number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I pulled my credit report and discovered that there was all kinds of outdated and incorrect personal information on there. I sent a letter to the 3 bureaus to remove it and they did not do it in the XXXX required days. Here is what I sent to all 3 : Dear XXXX Department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next XXXX days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

My current and only address is XXXX XXXX XXXX XXXX, Florida XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 

Thank you, in advance, for honoring my requests. Its my understanding that you have up to XXXX days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit reportshowing these changes mailed to XXXX XXXX XXXX, XXXX, Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my credit report from XXXX and noticed that there were a few inquiries that I did n't recognize or authorize : 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, these are the inquiries that are unauthorized and unrecognizable. I called and spoke to a representative and he stated that there was nothing that he could do to help me. I put an fraud alert on my credit report for XXXX and XXXX for reasons like this.
Product: Mortgage

It has now been four months since we requested a release for the vacant lot adjacent to the single family home that Shellpoint Mortgage Servicing obtained when they took over the loan servicing agreement on from XXXX on in late XXXX. 

On XX/XX/XXXX, I requested a partial release of this vacant lot. On XX/XX/XXXX, all required documents were submitted to Shellpoint Mortgage Servicing. 

I have had a purchase agreement for this vacant lot since early XXXX, XXXX, and always expected that some or all of the proceeds from the sale of the vacant lot would be used to reduce the principal on the mortgage. The failure of Shellpoint to proceed in a timely manner has caused me significant financial harm and duress. I have had to negotiate an extension to the purchase agreement multiple times. As well, the purchase agreement has again expired and I am attempting to revive it. Shellpoint has failed to make a timely response to these purchase agreements. 

Permission to spend the money to get an appraisal of the vacant lot and the house came nearly three months after all of the documentation required by Shellpoint for the partial release were provided by me. The appraiser showed up on XX/XX/XXXX. 

Shellpoint now claims that I made 2 late payments past the 30 day due date This is a lie. One payment was recorded by Shellpoint as late when Shellpoint took over from XXXX and they were in transition. It was paid on time. One payment arrived on the day due, ( I have USPS records ) but was not processed on time. I always send my payments USPS with delivery confirmation. Shellpoint is using this falsehood to excuse their failure to do their job in a timely manner. 

Shellpoint does not respond to phone calls or emails. I am forwarded to customer service and then to various departments who do not know what is going on or do not exist. I receive letters but no responses to my replies. I have written twice to the Executives and CFO of both Shellpoint and parent company NewRez by certified mail and received no response. 

I have never encounters a company that is more willfully and intentionally dodging doing there job. Please HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS BEING SUBMITTED BY MYSELF XXXX XXXX XXXX XXXX PERSONALLY. no third party is used in the submission of this complaint I have disputed directly with all 3 bureaus regarding incorrect information repeatedly. the refuse to report my accounts accurately iaw with federal credit reporting act. 



XXXX they continue to report credit card accounts open/deragatory which were discharged XX/XX/2020 in a XXXX XXXX bankruptcy ( case XXXX ). these accounts should be reported as closed XXXX they refuse to report payment history accurately for older good standing installment accounts in the correct timeframe ( my creditor score factors states i have short credit history ) XXXX they refuse to accurately report open installment accounts payments in 30 days XXXX they have closed current installment accounts and not reported current payments XXXX they refuse to remove remarks after repeatedly disputes. they remove them and them put them back on again over and over XXXX. AS RESULT OF ABOVE MY CREDIT SCORE AS BEEN SAME FOR YEARS
Product: Money transfer, virtual currency, or money service

In XXXX, through Key Bank 's online credit card point service, I bought 3 plane tickets for a vacation trip I was planning for in XXXX. I called for a refund of the points and the {$200.00} I spent on the tickets and was told that a check was being mailed out to me fore the total value. I have called every month since then and they always say it is on the way, they have double and triple checked my information and mailing address multiple times and everything is correct, but it has been over 5 months now and I still have not received my money.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of XXXX XXXX. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an XXXX XXXX  report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has violated the Fair Credit Reporting Act .They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit inquires that i did not authorize, and that i do not recognize. I have sent them letters. They have signed and returned that the certified mail has been received with no response months later. I would like immediate deletions for this wrongfully credit inquires that have been put on my credit report without any authorization. I have already written letters to the companies involving this matter as well and they told me to deal with the credit bureau, and Experian as not taken action to report to me the consumer in the time frame as agreed according to the FCRA
Product: Debt collection

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX XXXX XXXX and Transunion for violations of federal laws, specifically : 12 CFR 1006.34 ( b ) ( 5 ) : Failure to provide complete and accurate information regarding the alleged debt.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to disclose key details, such as the breakdown of the debt and the identity of the original creditor.

12 CFR 1006.34 ( d ) : Failure to provide the required written notices and disclosures in their communications.

15 USC 1681-S2 ( 7 ) ( A ) : Furnishing inaccurate, incomplete, or unverifiable information to credit reporting agencies, thereby failing to ensure the accuracy of information being reported. 

Details of Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX has engaged in collection practices and reported information about an alleged debt to credit reporting agencies without providing the necessary and legally mandated validation. Their actions include : Repeated communication with me via emails, texts, and phone calls about an alleged debt without providing sufficient details or documentation. 

Failing to disclose the origin of the debt, including the name of the original creditor and a breakdown of the alleged amount owed. 

Transunion removed XXXX XXXX off my credit report between XXXX XX/XX/year> and added back XXXX XXXX back to my credit report between XXXX XXXX this alleged debt to credit reporting agencies without proper validation, causing harm to my credit profile. 

Despite my efforts to request validation and transparency, XXXX XXXX XXXX has failed to comply with the legal requirements under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

TransUnion has contributed to the harm caused by XXXX XXXX XXXX by failing to ensure the accuracy of the information reported on my credit file. This includes : Failure to Verify : XXXX and maintaining inaccurate and unverifiable information about the alleged debt reported by XXXX XXXX XXXX. 

Noncompliance with FCRA : Not promptly investigating disputes and rectifying errors in my credit report, as required under 15 USC 1681-S2 ( 7 ) ( A ).

Consumer Harm : The inaccurate reporting of this debt has negatively impacted my credit profile and caused unnecessary distress.
Product: Credit card

I had purchased adjustable base, mattress, and pillows on XX/XX/year> in the amount of {$3000.00} and I had cancelled and refused delivery ( as per Tempur-Pedics advice ) for mattress and pillows ( shipped via UPS ) and the adjustable base was never delivered via XXXX. I do not have any of their merchandise of adjustable base ( {$1300.00} ), mattress ( {$1400.00} ), nor XXXX pillows ( {$170.00} ). I have only been credited {$1100.00} ( base minus home delivery fee times sales tax or ( {$1200.00} - {$170.00} ) XXXX = {$1100.00} ). I have followed their customer service representatives advice and refused delivery, and their website says that the mattress is returnable but they have not refunded for the return of the mattress nor pillow ( both were unopened as per their advice ). 

XXXX had provideXXXX as evidence of mattress and pillows being delivered but this was from my second order placed on XX/XX/year> after I spoke with their customer service representative assuring me that my first order was cancelled. I feel that this was a deliberate strategy, and not an honest mistake, by XXXX to confuse matters with Citibank and their XXXX party investigators. At this point, Citibank has concluded that I need to pay for both mattress and pillows, even though I had cancelled my order and their products have been returned to their respective warehouses.
Product: Credit card

On XX/XX/year> Chase Cardmember Services received a registered security interest coupon sent by me as a tender of payment to set off my credit card account in the amount of XXXX. XX/XX/year> I received a letter from Cardmember Services stating they received my note but do not accept my endorsed note a form of payment as well as a letter from Cardmember Service on XX/XX/year> further letting me know they scanned and destroyed my note to prevent misuse. I again tried to send off a registered security interest coupon to CEO XXXX XXXX which an individual received on XX/XX/year> a day before notice of Chase closing my account due to non payment and the very next day again a refusal of my performance to tender payment on my credit card account to be set off. I have not received any response yet.
Product: Credit reporting or other personal consumer reports

Closed Case : XXXX - I opened a dispute on the above case number for Innovis to provide documentation to validate the information they are reporting on my consumer file. The closed case indicates that XXXX XXXX provided them with a certified copy indicating the debt was valid. I have not received this certified document from XXXX XXXX or Innovis yet Innovis is still reporting this information negatively, despite providing them with statements from XXXX XXXX indicating there was a {$0.00} balance upon the account being closed.