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

I am a living person. I am reaching out once again about the prior complaint submitted by me XXXX XXXX. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of any information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I received an electronic response to the debt validation letter from the the corporate office of XXXX XXXX XXXX XXXX, I was also sent the Original XXXX contract. I was called by an agent and I was told that I would not receive any of these documents via registered or certified mail and that I was not eligible for refinancing because XXXX XXXX does not refinance any of their contracts. Again I assert that this information was not provided to me in the terms of the vehicle purchase. I have paid {$24000.00} on a vehicle that was originally priced at {$12000.00} under the guise that I would own the car in two to three years. I have attempted several times to speak with this company, and I have gotten called a XXXX XXXX  and XXXX, which I find defamatory and seek punitive damages instead of the runaround. The debt validation electronic letter was sent on XX/XX/2024. I do not wish to receive any defamatory correspondence from this company and I am filing a lawsuit. I need a fair resolution to this situation to avoid litigation. I will continue to view my options under the Truth in Lending Act and the UCC codes. This is a blatant violation my rights as a private citizen.
Product: Credit reporting or other personal consumer reports

I called twXXXX weeks ago to check on why my XXXX XXXX XXXX  ( there are XXXX total ) are being duplicated when my mortgage lending company is pulling my credit report. They explained to me there was a problem in an internal system that caused the accounts to all duplicate but they were working to resolve the issue. I called AGAIN to put in an expedited request to fix the account issue and re-report.

My mortgage lender pulled my information today and it is still showing duplicated and incorrect accounts being reported by XXXX. This is an egregious error and it is preventing me from buying a house! 

I need this resolved ASAP. Theres no excuse for an error this big. My debt for my student loans is being reported at DOUBLE what it should be due to their error.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX I made a dispute in XXXX about a wrong credit report that I do not recognize called ability recovery service I have no idea what this is for and I do not have any documentation for it as I have never even heard of it. XXXX says they reached out to them and they said it's correct. I do not agree with this error of a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below XXXX XXXX XXXX XXXX XXXX XXXX ...... Date Opened XXXX XXXX XXXX Balance {$1900.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681b ( a ) ( 2 ) Equifax is in violation for reporting ( 2 ) accounts listed below that I want deleted because I gave NO instructions for them to be on my credit report as provided under 15 USC 1681b ( a ) ( 2 ). 

I am a FEDERALLY PROTECTED CONSUMER and I did not give any INSTRUCTIONS, CONSENT, or PERMISSION for the 2 accounts listed below to be on my credit report and I want each one listed below to be DELETED from my Equifax credit report as I did not give any instructions to Equifax and the law states a credit reporting agency can not furnish an account without my written instructions. 
1 ) XXXX XXXX XXXX ( DELETE IT ) 2 ) XXXX XXXX XXXX XXXXXXXX ( This account is reporting as CLOSED delete it from my credit report in its entirety. 

15 USC 1681b ( a ) ( 2 ) is clear that a credit reporting agency is violating my rights if an account is furnished by a credit reporting agency without the consumers written instructions. Therefore, DELETE the 2 accounts that I have listed above and send me a copy of my complete and updated Equifax credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

Starting yesterday, XX/XX/XXXX, I received a call from ( XXXX ) XXXX. I did n't answer it, but looked up the number. It came from XXXX XXXX XXXX, who are notorious for attending to collect on " zombie debt '' that has been sold to them and was written off many years ago. I received another call this morning, XX/XX/XXXX,  and again did not answer it. This relates to a small ( less than {$200.00} ) debt that I disputed at the time, refused to pay, and was long ago written off by the company. 

Please inform XXXX that they are legally not allowed to harass me about this matter. I will be sending them a certified letter with return receipt stating the same thing. Any assistance you can provide would be greatly appreciated.
Product: Mortgage

My mortgage company changed from Specialiezed Loan Servicing Mortgage to Newrez LLC dba Shellpoint Mortgage Servicing on XXXX XX/XX/2024. My first payment with Newrez Shellpoint drafted on XXXX XX/XX/2024, the first business day after XXXX XX/XX/2024, exactly as I set up my payments. Then on XXXX XX/XX/2024 Newrez Shellpoint drafted another payment of {$1000.00}. I did not instruct the company to pull this payment. I called on XXXX XX/XX/2024 and the company representative said that an additional payment was drafted in error and they would refund the money. I received a refund on XXXX XX/XX/2024. That's almost two weeks I went without {$1000.00} of my money due to " an error '' on the part of Newrez Shellpoint. A refund is not sufficient as I should not have lost access to that money in the first place. I believe I deserve additional monetary compensation from the company.
Product: Mortgage

I had been working for Supreme Lending in XXXX XXXX, MN off XXXX XXXX in the XXXX XXXX building in XXXX 2015- XXXX XXXX 2015. They had shown me how to alter a XXXX after a borrower has signed and dated it, including changing the name and address of the borrower. I know this to be against what is acceptable and so I refused to do it. They fired me shortly after however, they still use edit pro to change XXXX without borrowers consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occassion to get an issue resolved with the credit bureaus ( XXXX, XXXX  and Transunion ) without any success. Today I'm looking at some correspondence I recieved from you in regards to the account -referenced XXXX and XXXX respectively. It's occurring to me that they appear to be the same account. At the same token, whenever I disputed this account with the bureaus, they all respopnded that the account is verified. I contacted XXXX XXXX through an attorney and the account under XXXX and this was removed from my report, however and even more disconcerting is that XXXX is referring to the same account which makes no sense to me. Additionally, after incestigating there's a XXXX account referencing the same account on my XXXX credit report. I'm very frustrated and I'm hoping that you can assist me in getting some clarity to this madness. 

Much Appreciated.
Product: Money transfer, virtual currency, or money service

In early XXXX and XX/XX/XXXX, I attempted to withdraw XXXX ( XXXX ) from my account on Gemini, where I hold approximately XXXX XXXX ( valued at {$31000.00} USD as of XX/XX/XXXX ). However, I found my account was frozen, preventing me from accessing my funds. 

Since then, I have contacted Gemini multiple times to resolve this issue ( Ticket ID : XXXX ). On XX/XX/XXXX, I submitted all the requested documentation, including a selfie with my ID and a handwritten note, per their instructions. Despite complying promptly, my account remains frozen, and Gemini has not provided any substantial updates or a resolution. Their responses only assure me that the matter is being " escalated '' without any concrete timeline for resolution. 

The prolonged freeze of my account has caused significant inconvenience and financial stress, as I am unable to access or manage my own assets. I believe Gemini is unjustly holding my funds against my will without providing adequate justification or a timely resolution. 

I request the CFPBs assistance in compelling Gemini to unfreeze my account immediately and allow me access to my XXXX XXXX. Additionally, I would like a thorough investigation into Gemini 's practices concerning account freezes to ensure transparency and fairness for all users.
Product: Credit card

I purchased ( with Bank of America credit card ) an airline tickets from XXXX  airlines back in XX/XX/year> on the XXXX  airlines website and paid {$4200.00} but on XX/XX/year> at XXXX am I received a text message stating that my flight was changed then I after I called them several times they decided to cancel my reservation tickets and only refunded me {$3600.00} so I was short {$630.00} and it took forever to get them resolve it after I contacted the United States Department of Transportation and they said we had to cancel your reservation because out fraud department detected a fraud and that they are sorry for not getting refunded the full amount but they advise me to contact my bank and claim the remaining balance through my bank, I tried opening a claim with the bank but they kept closing and denied my claim without even communicating with me. The last time I actually went to a financial center of Bank of America and requested their support since its their credit card that I am struggling with and they help me submit all the paperwork and evidence to the credit card department and still did not help as the claim got closed and denied again. 
Please advise! 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates LLC is a debt collection agency principally located in XXXX, VA, however, in a response to my request dated XXXX XXXX, 2016, for them to remove their collection account from my credit report as it counts as twice for the same debt in violation of the FCRA, they refused to remove their information and misrepresented themselves as a " creditor '' in violation of FDCPA Section 807 ( 11 ). This statute provides that debt collectors are liable for statutory damages of up to {$1000.00} if they are in violation of this section regardless of intent. After my most recent response to remove this collection account a month ago XXXX prior to XXXX XXXX, 2016, they have failed to respond in the least and continue to remain on my credit reports. 

Further, Original Creditor charged off {$810.00} and PRA LLC is attempting to collect at least {$980.00}, a {$170.00} difference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Account showing in collections and account is paid. Please, remove from the credit reporting section of report. Balance is 0. Account is not in collections. Please remove. 

Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Birthday XX/XX/XXXX Email. XXXX Social security. XXXX Phone # XXXX XXXX account # XXXX TransUnion # XXXX XXXX XXXX XXXX XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX, TransUnion, XXXX reports. 

The following inquiries and accounts are unauthorized or inaccurate, and I ask that you delete them at once... 

NOTE ... Inquires and accounts marked ( + ) from THESE LENDERS NEED DELETIONS ( Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I dont recognize these lenders and I dont remember authorizing them to perform a hard inquiry nor did I authorize any new accounts on my credit report Act, I demand that these items be investigated and removed from my report Please rem any information that the creditor can not vrify and show permissible use NOTE... I demand that these items be removed that under 15 U.S.C. Sec. 1681 1 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

are all unauthorized an have no Permissible written consent nor did I benefit off of any of these transactions **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 an 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific Information is instead inaccurate ..... 

NOTE ... FTC REPORT ATTACHED ... # XXXX Thank you for your time and help in this matter. 

Sincerely. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX - XXXX Creditor : XXXX XXXX XXXX Account XXXX Creditor : XXXX XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX - Account : XXXX Creditor : XXXX - Account XXXX Creditor : XXXX XXXX - XXXX Creditor : XXXX - Account XXXX Hello this a complaint for the credit companies mis reporting such as XXXX, XXXX, Transunion these accounts are miss reporting on my credit report and they are reporting the same debt multiple times to the point i cant get any new lines of credit because of them. I also wanted help with getting the XXXX XXXX forgave I am a XXXX veterans please give me a call at
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has reported on my consumer report without my written consent. They are in violation of 15 USC 1681b ( a ) ( 2 ). Because of their wrong doings, I have been unable to purchase a home. I have not been able to acquire high paying jobs because of the reports that they have furnished on my report. I am also unable to obtain loans during this time of unemployment and they have made my life extremely hard and almost unbearable. I have proof that they have received my notice on XX/XX/2021and still nothing has been done. No deletions or remedy for each violation.
Product: Credit reporting or other personal consumer reports

I am in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX  account number XXXX In accordance with the fair reporting act, public law 91-506, titleIV, section 611 please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.
Product: Vehicle loan or lease

Deceptive Misrepresentation of ADVERTISEMENT- FRAUDULENTLY CHANGED PRICE ON FINANCE CONTRACT AFTER SIGING Dealership Fraudulently changing finance contract XXXX XXXX I wanted to return the purchased vehicle immediately, next day XX/XX/XXXX Traveled from PA to XXXX XXXX located in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for advertised online purchase price {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX financing contract the financing contract was FRAUDULENTLY changed increasing purchase price of vehicle over {$10000.00}. XXXX FRAUDULENTLY added ADDITIONAL add-ons after signing in the amount over {$8000.00}. Total fraudulent charges {$28000.00} dollars. XXXX as well violated consumer right of choice for financing. They placed the financing as by here pay here. WE CLEARLY ADVISED ON XX/XX/XXXX during transaction we DID NOT WANT THIS. On XX/XX/XXXX at approximately XXXX est, in less than XXXX hrs of vehicle purchase contacted a representative at XXXX XXXX I ADVISED THE VEHICLEs IMMEDIATE XXXX XXXX XXXX XXXX XXXX 


XX/XX/XXXX Received calls and text message from phone number XXXX Spoke with XXXX XXXX XXXX XXXX XXXX, however display name on my phone XXXX XXXX Please see attached correspondence Recordings available. 

XX/XX/XXXX Sent text message to XXXX XXXX. See attached. Does not remember conversation and notification of being recorded. 
During call XXXX XXXX advised us he was calling from his personal phone and instead of reaching out to sources such as CFPB or Ally Bank to refer correspondence to him directly. 
Additionally adding the below : During transaction of vehicle dealership sent web credit application via personal cell phone number. I advised I wanted some type of confirmation of XXXX destroyed or removed from representatives personal phone. 

XXXX XXXX agreed on recording to remove add ons described in resolution section of complaint Recordings from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Call was dropped by XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX est - XXXX minutes XXXX seconds XX/XX/XXXX Sent text message to XXXX XXXX XXXX See attached. Does not remember conversation and notification of being recorded. 
During call XXXX XXXX advised us he was calling from his personal phone and instead of reaching out to sources such as CFPB or Ally Bank to refer correspondence to him directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan account is reporting late for period I was in forbearance. I have contacted Equifax numerous times to get this issue resolved, finally I had to contact the State of Georgia Attorney General 's office. I got a letter back from Equifax stating my late payment history would be removed, date XX/XX/XXXX ( letter is attached ). I waited over a month to see the information updated on my credit report however it was not. I contacted Equifax in the XX/XX/XXXX and talked to a rep, named XXXX, said he saw the dispute and did not know why it wasn't updated but all he could be is open another investigation. I also informed me that Equifax does have my forbearance letter PROVING my account was in forbearance during the period its reporting late. I just received my results back from that investigation and again Equifax did not correct that error. They only update misc information. I have attached a copy of the results and highlighted that they did not correct the error. I have an letter from Equifax stating this would be updated and admitting it is incorrect information on my credit report. This is a direct violation of the FCRA since they are knowingly reporting incorrect. information after acknowledging that fact.