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

My issue is that when I have disputed debts with XXXX XXXX, XXXX, and experian. I put in a dispute, no answer from either company nor response. Or say that they have verified that the debt was mine without sending proof. And my credit isn't being updated lime it should be
Product: Debt collection

My parents entered into an arrangement with XXXX XXXX XXXX to pay off credit cards used to pay for my mother 's medical expenses. My mother passed away in XXXX 2015. In helping my father determine the agreement with XXXX, including the contract length, the payment arrangement, and the status of the debts associated with the contract, it has come to my attention that this company operates in a deceptive manner. The company takes the obligors monthly payment, does not contact the creditor until XXXX believes they can make some sort of settlement with the creditor. During that time, the representative told me they are well aware that the obligor 's creditors continue to charge late charge fees, increased interest rates, etc. Even though my father had notified them of my mother 's passing, XXXX failed to contact any of the creditor 's to determine if the accounts were in my Mom 's name or Father 's name. My father had enough money in his XXXX Account to settle the debt, but until I called they had not contacted the XXXX remaining creditors.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of a data breach, which has resulted in the fraudulent use of my personal information. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the following fraudulent accounts be immediately blocked and removed from my credit report : Accounts to Be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 file a formal complaint against XXXX and Experian for their inaccurate reporting of a debt that has not been validated as mine and for reporting the same account multiple times on my credit report, which is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Issue XXXX : Reporting of Unvalidated Debt According to the FCRA, credit reporting agencies must ensure that the information they report is accurate and complete. In my case, XXXX and Experian have reported a debt that I have disputed, and they have failed to provide validation that this debt actually belongs to me. I have made several attempts to dispute this account and request validation in writing, but neither XXXX nor Experian has adequately investigated or corrected this error.

This is a violation of my rights under 15 U.S.C. 1681i ( FCRA Section 611 ), which requires that credit reporting agencies conduct a reasonable investigation after receiving a dispute from a consumer. Since the debt has not been validated, it should not continue to appear on my credit report.

Issue 2 : Multiple Listings of the Same Account Additionally, the same debt has been listed more than once on my credit report, which negatively impacts my credit score. Reporting the same account multiple times is misleading, inaccurate, and a violation of the FCRA. According to 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ( b ) ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting the same debt multiple times does not adhere to these standards.

Harm to Credit Score The inclusion of unvalidated debt and multiple listings of the same account have directly harmed my credit score, preventing me from obtaining credit on favorable terms and negatively affecting my financial stability.
Product: Mortgage

Shell point mortgage has taken over responsibility of my home loan back in XXXX 2019. My loan in the last 12 years has had many different ownership. I had waited to make payment like I normally have done till XXXX when they said they finally got the information transferred over. It was reported that I owed over {$6800.00}. I started to inquire in XXXX to get this fixed. Back and forth I have been calling them waiting a month to get an update. My statement from Di-tech shows I was current as of XXXX XXXX, 2019. 

I have been back and forth with trying to get them to fix my account as I am not disputing the total owed on the loan. The amount owed is accurate. I am sure if there was a schedule for someone to look into would find the schedule accurate as well. 

I am submitting my statement showing I am current as of XXXX XXXX, 2019. I have already showed the payment history to not be accurate as the statements Shellpoint has shown they have received the payments but refuse to add them into the payments history. History of this complaint can be seen on complaint XXXX. 

I guess my last part of my complaint was never answered. I am submitting a financial statement showing the account is current and would like to know why Shellpoint is ignoring the statements? Why is there only the convenience to only take part of the information from the statements, such as documenting the proof of payments, but not the total owing? Why when I showed proof of payments, Shellpoint used a statement to show there is documentation for the payments, but not updated there payment history to also reflect the payments? 

I am submitting a statement showing I am current as of XXXX XXXX, 2019. My last response from Shellpoint mortgage company was responded by mortgage statements and was closed. I am not disputing the principle owed on the loan, as this has been followed and is accurate. I am disputing Shellpoint stating I am missing payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed last week wednesday to pay XXXX I went ahead and paid the XXXX on XX/XX/20 before any reporting however I was informed today that I was supposed to pay XXXX and no one has advised me of this and this has been nothing but a headache and confusion I had XXXX  this company lied and charged me fees and now I have credit reports 30 days late and my account has been sent to some agency and im not aware of this I am asking for an fix asap my credit is affected and this to be fixed and to speak with the agent who did not advise me to pay XXXX.
Product: Vehicle loan or lease

I purchased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX in XX/XX/2015. My financing is through Nissan Motor Acceptance Corp. My total purchase was {$28000.00} with 18.81 % interest and I have already paid {$19000.00} with only {$4600.00} going toward my principal balance as of today. So my current pay off balance is {$24000.00}. I agree that I did sign the contract because Everything was moving fast, the dealer did not take time to go over the documents, it literally took 10 minutes for me to sign all the paperwork. I feel like I was taking advantage of. I was approved for this loan with a credit score in the low 500s, {$500.00} down making {$40000.00} a year who rented and had XXXX small children. I was a prime target to default on my loan and potentially lose my car and ruin my credit. The dealer nor the bank even asked for proof of income. 

FYI I SUBMITTED A COMPLAINT UNDER MY MARRIED NAME THAT WAS CLOSED FOR THAT REASON
Product: Mortgage

I filed a complaint previously with this company because they increased my interest rate while I was on XXXX XXXX. They responded to me on XX/XX/XXXX, stating that they were going to reduce my rate down since I am protected by the SCRA. 
I am still on XXXX XXXX and they increased my rate back up to 11.200 %. Also, my balance was {$39000.00} at that time. I have been making my payments and sending in extra, and my balance is {$39000.00}. They are not using the extra money that I send in to pay on my principal balance. 

My principle has barely lowerd since XXXX. SPS is charging higher interest twice. Once for not keeping my protected SCRA rate and again for not using the extra payment amount towards my principle.
Product: Checking or savings account

In XXXX I opened a Regions checking account. I deposited 3 checks I believe. There was some type of an issue with 2 of those checks. When I tried to withdraw the {$900.00} from my account the debit card did not function and neither did my online bsnking. They told me the account was locked for security reasons. When I tried contacting them about a week later they said the account will be closing and never gave me any explanations about anything. A fee years later I noticed that I was still receiving emails from them so I decided to call to find out what's going on. The woman I spoke with on the phone told me thst I do not have any accounts with them. 
While checking my email 2 days ago and I saw a bunch of emails from them. So ideside to try to log into my online banking. This time I was actually able to reset my online banking password and I was able to log in. I saw that my balance is {$430.00}. And i saw that for the past 5 years they have been charging me {$8.00} every month. And that the account that was supposably closed has actually been open all this time. So the very next day I went straight to the bank. To take out my money and close the account. When I went to the teller window she said that my account is inactive and that she needed her supervisor to approve it. Once that was done the teller informed me that they are not allowing her to give me the XXXX So I sat down and waited for a banker to attend me. He looked at my account and said that if I take the $ out they will have to close my account. I agreed. And then he said that he is not able to give me my XXXX He emailed someone and told me that I need to go back the following day and thst once he gets the approval from corporate office he will be able to give me my XXXX 
The next day I went to another branch closer to my house. And I was not able to get my funds. 
I don't understand how is it that they tell me that my account is close. Then I find out its not. Then when I try to get my $ they say the account is frozen and the funds are pending. Yet they have been charging me {$8.00} a month for the past 5 years which totals a little over {$400.00}. For service fees. And now they don't want to give me my {$430.00}. I'm pretty sure they just want to keep charging me {$8.00} a month for the following years until the account is at XXXX. And they will close it. Really I feel like they should reimburse me for that XXXX The banker from the other day said that it looks like there was some type of fraud on my account. The only fraud I see going on is regions bank stealing $ from me little by little. And not giving me access to my $ to make it easier for them to steal it. " Stealing '' is the best way I can describe what they doing to me.
Product: Credit card

I accidentally purchased a subscription for {$7.00} on XX/XX/2022 on an application for my XXXX. I used the Apple Card and immediately told the card issuer on XX/XX/XXXX that it was an accidental purchase. I submitted two claims and both were denied because they were " Not Eligible for Refund ''. However, I never meant to purchase this subscription.
Product: Credit reporting or other personal consumer reports

To whom it may concern : Below is information Ive identified on my credit report that needs to be deleted from your records immediately.

attach you will see documents
Product: Credit reporting

Certified letters have been sent to the accounts. I will attached the certified receipt. 

I have recently been informed that there is negative information reported by XXXX and XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from this company listing Late Over 120 Days and Collection. I am unaware of Late over 120 Days and collection. 
Please validate this information with XXXX, XXXX XXXX and XXXX and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. legally binding contractual obligation to pay you the alleged amount. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

The inquiries not belonging to me are XXXX XXXX/XXXX/2015, XXXX XXXX/XXXX/15 and XXXX XXXX XXXX/XXXX/15. Please provide me with viable proof that these belong to me. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

My name is XXXX XXXX XXXX. My name is NOT XXXX XXXX XXXX, XXXX. I reside at XXXX XXXX XXXX , XXXX XXXX, GA XXXX. I will fax my Driver 's License, SS Card and Utility bill. 
Please update my report and remove the highlighted accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to
Product: Mortgage

XX/XX/XXXX, PNC Mortgage forcefully evicted me and my family from our home of 16 ( sixteen ) years, all because I refused to further alter the conditions and stipulations of a Loan Modification that I had entered into with this same mortgage company two years prior, and which would have resulted in my monthly mortgage payment increasing almost {$150.00} more than the amount agreed upon in the Loan Modification. This lousy mortgage company forced me to find a new place to stay and move within 10 ( ten ) days. Now, even though they 've put me and mine out of the house, these miserable cretins have the temerity, the nerve, the unmitigated GALL, to send me a XXXX letter telling me I 'M " responsible '' for maintaining the upkeep of the house. Can you believe this XXXX? Now, they absolutely refused to even work with me, even though I had offered on several different occasions, to resume making my monthly payments. They just forced me out. This PNC Mortgage needs to be investigated and some sort of sanctions placed on them for the incredibly LOUSY way they are treating people.
Product: Debt collection

XXXX has sold this account and the vehicle was removed and they put it back on with a different date. It was sold to NBC MANAGEMENT
Product: Credit card

I made a payment on my credit card on XX/XX/2023. I did not know that the payment did not go through. On XX/XX/2023 my card was declined on multiple transactions. I called chase and found out a payment was not made so my card was suspended. I told them I paid on XX/XX/2023 and that I had the same problem earlier this year. The rep said he would reverse the late fee, remove the interest charge and process the payment for {$9900.00}. After the payment was made, he refused to reinstate my card. I called in to chase on XX/XX/2023 to get my card activated. I was told that no payment was made the night before. I have asked chase for the recording of the phone call and they have not provided it as of the filing of this complaint. I asked to make the payment again and wanted my card reinstated. The rep said it could not be reinstated until the payment was received from my bank. She said this could take days. I called into a local branch and asked if i paid the credit card with cash or a cashier check, would chase reinstate the card immediately. The girl I spoke with asked her supervisor and was told yes. When I arrived I was told by the branch manager that my card would not be reinstated until the next day. I told him that I was told it could be done immediately and he told me that I did not hear the rep correctly. This is gaslighting. He didn't hear the conversation, nor had he spoken with the rep. When I asked to hear the recording, he changed the subject and called me hostile because I kept asking. He refused to help me any further and said the teller would take my payment. When I approached she was immediately rude to me. I placed my card down too hard for her liking and actually said to me " can I ask you why you feel like you can act like that? '' Act like what? Frustrated? I am so sorry that my justified frustration with your company bothered you. I took my card back and left. I couldn't believe how terribly I was treated. I went to a different branch and was helped immediately. However chase has still refused to reactivate my card. I was told that as soon as chase received payment from my bank, that the card would be reactivated. Chase has lied to me. I need my card reactivated immediately. I need the {$40.00} late fee refunded. I need the interest charge removed. I need my credit to be put back into good standing.
Product: Checking or savings account

I have a joined checking and savings account with my husband at Citibank. We have had that account since XXXX. We receive our salaries and manage all our finances from that account. Recently, we moved from XXXX  to XXXX, we updated our address with Citibank. But since we have moved to XXXX  we have realized that Citibank does not have any physical branch in Texas and due to that we have been finding it very difficult to make payments or withdraw money or collect cashiers check. We called Citibank yesterday XX/XX/XXXX and told them that we are going to close our account and move our money to XXXX bank that has branches here in Texas. We opened a XXXX checking account and through our Citibank portal we initiated a wire transfer to our XXXX account of {$30000.00}. Because of this, Citibank has decided to retaliate against us and put a complete hold on our checking and savings account, block it where we don't have any access to our money, /salary. We are totally frustrated and stranded as of now. We are in the middle of a house remodeling project and have several contractors we need to pay, but we are not able to pay them as we promised them and this this issue is putting our life at risk because some of these contractors are now angry with us, threatening, thinking that we don ; t want to pay them inentionally. We called Citibank serveral times but they told us there is nothing they can do, that we have to wait for a week because our account is now under investigation. We are asking CFPB to use your good office to come into this case and investigate as the government bureau that regulates banks to make sure that no one vilates or is above the law/ Constituation of the United Sates, because we feel that as citizens our constitutional right has been violated/breached.
Product: Credit card or prepaid card

I have been an American Express credit card member since XXXX. During XXXX, I received twice promotion offers on the Delta Skymiles credit card via email. On XX/XX/XXXX, I applied the Delta Skymiles credit card and the promotion offer promised ( document attached ) was : {$200.00} statement credit ( one Delta purchase within 3 months ) and XXXX bonus miles ( {$2000.00} purchase on the new card within 3 months ). 

My application on this Delta Skymiles credit card was successfully approved. I met the conditions to active the promotion offer : on XX/XX/XXXX, I made XXXX purchase, flight from XXXX to XXXX XXXX ; purchased over {$2000.00} within the 3 months. However, until now, I dont receive any promotion offer promised. I contacted the agents of American Express customer service twice. They told me that my promotion offer was declined due to multiple factors and a notification pop-up should have appeared during my application. I swear that I never saw any pop-up notification to decline the promotion offer, otherwise I would have not to actively made my purchases to meet the conditions within the first 3 months after opening this credit card. 

I also tried to follow up the specific reason that why the promotion offer was declined, but the agents of American Express can not provide. In addition, neither email nor account inbox message was sent to me to notify the promotion offer declined. I feel cheated that the American Express used my membership information to solicit and promote their product ( the Delta Skymiles credit card ), however not offer the terms as they promoted and promised.
Product: Debt or credit management

The information to my accounts was sold to a third party I had no knowledge of. 
XX/XX/XXXX for {$490.00}. 
XX/XX/XXXX for {$430.00}. 
XX/XX/XXXX for {$580.00}. 
XX/XX/XXXX for {$550.00}.
Product: Debt collection

Hello, Im shocked, surprised, XXXX XXXX both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Debt collection

I disputed the account with the original creditor as Identitiy Theft. The account was either blocked or removed from my file. XXXX sent a fraud packet out in which I completed. Now, without any notice Deville Assestt Managment has placed an account of my credit report trying to account {$9200.00} plus dollars. This debt or account was a results of ID theft. & should have never made it to my credit file. 

This account needs to be removed from my file immediately.