23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these accounts have violated my rights. These inaccuracies are keeping me from getting a home loan. 

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

This is my fourth 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 alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX XXXX XXXX {$200.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in several fraudulent accounts and inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit report as they are not authorized by me : Fraudulent Accounts : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX. XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$9500.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} XXXX. XXXX OF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} Fraudulent Inquiry : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This company states my account is in the red, but I have paid it in full and it has been closed for years! 
Also this is still on my credit report and it is XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

this is related to a current fraud claim with PayPal. PayPal is refusing to re-imburse 3 of the 7 fraudulent transactions from XX/XX/XXXX. The reason given is that the case is closed. What I am asking is to re-open the fraud claim. The case was closed in XXXX of XXXX after a series of phone calls to Paypal. 
Just like the other unauthorized transactions, these were all done by hijacking both Paypal accounts. My son 's ( XXXX XXXX ) and mine. Our emails were also hijacked so that we did not get notifications of the transactions. 
XXXX ) XX/XX/XXXX of XXXX for {$360.00} XXXX ) XX/XX/XXXX of XXXX for {$360.00} XXXX ) XX/XX/XXXX for {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently in the car dealership XXXX XXXX in XXXX XXXX, AR. I was dealing with a new sales representative and I gave the rep my information but explicitly told him multiple times that I had good credit and did not want them to pull a credit report until we agreed to a deal, then we could run the credit and everything. The first day we did not come to an agreement on the deal. The following day I was told they could make some modifications to the car, I told them that if those modifications were met then I would make the purchase. I told the sales rep to contact me with to verify the new tires and wheels were what I was wanting. I never heard back from him until after the tires and wheels were switched. I got several alerts from my credit monitoring before the switch was made. I contacted the dealer and asked them why they had run my credit because the wheels and tires were not to my satisfaction and the deal was not agreed to. The sales manager told me that once it hits his desk it's ready to go. I told the sales rep that I did not want my credit run and there was a pause between the two and the manager just said I don't know and walked off. Bottom line is there was a clear lack of communication between the two and this resulted in my credit score taking a hit. I do not feel that that should affect my score when I told him multiple times NOT to run my credit until I give them the ok. This is a training opportunity for the dealership and the need to communicate better instead of making promises they can not keep.
Product: Debt collection

Unifin has my contact info, they have called me every single day for weeks now. I told them everytime to contact me after XXXX and the holidays so I can further address the matter. Today, XX/XX/year>, XXXX XXXX XXXX. They called me mother in laws house looking for me. I took the phone from my sister and law and demanded to speak to a manager, once again they hung up. I also requested for a bill or something in writing sent to my address so I can see what is owed. I called back on my husbands cell phone and demanded to speak to a manager. And to explain to me why they were calling my mother in laws house phone. I never resided at that address nor am I affiliated with that phone number or address. My mother in law said if this company contacts her again, she will file for harassment. The customer service rep, got very ignorant with me on the phone also. This company has not sent me anything and is now resorted to calling my family members phone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor I have no idea why this is on my account! We like have this removed and a letter in writing. 

XXXX XXXX Last reported XX/XX/2022 {$750.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/2022 {$440.00} Open balance XXXX XXXX Last reported XX/XX/2022 {$1500.00} Open balance XXXX XXXX XXXX Original creditor I would like to have all of these disputed!
Product: Credit card or prepaid card

I had Capital One XXXX XXXX credit card, which haS {$390.00} annual membership fee posted on my account on XX/XX/XXXX for coming year. I feel this fee is too high for me, want to cancel the credit card and get the annual membership fee refunded. 

I called Capital One customer service on XX/XX/XXXX, saying want to close the account, the customer service agent confirmed with me within 60 days of the posted on the account, if I close my account I will get the annual membership fee refunded, I have until XX/XX/XXXX to close and advise me to wait and think thru. 

On XX/XX/XXXX, I called their customer service again to close my account, while the call to close the account, another customer service agent also assured to me I will get my annual membership fee back ( since it is within 60 days limit time ), just took some time to post. 

On XX/XX/XXXX, I still not see the {$390.00} refund to my account although the account is already closed, I called customer service again, now the agent said refund is only if I close the account within 40 days after the amount is posted. They had no way to refund my annual membership fee {$390.00}. I called again to customer service without any solution was provided. 

I feel I was given the wrong information twice, now I am out of {$390.00} and closed the account which negative impact on my credit history too. Please help to solve this issue, Thanks a lot
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX Credit Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/2023, I received a phone call where The collector didnt not introduced them self as a collector in the beginning. The. Began to explain the details of a letter that I never review in the mail about collecting this debt. Asked for them to email me the letter. 
He was reluctant to do so because the letter was already dated and the letter was set to expire on the XXXX of XXXX. 

When he sent this notice on the phone had mentioned that if I didnt call them by Friday day morning they will report this to the credit bureau for further action. 

Minutes later called and left a voice mail and said I emailed out the letter you want to do your XXXX account you got till tomorrow morning to give me a call back to get this resolved XXXX if I don't hear from you XXXX XXXX I'll assume you're not gon na call me back and we'll proceed without your cooperation you got till tomorrow morning my office hours are on your email end quote. 

The issue is they know I had a short notice on this issue and the collector is not willing to give me until the XXXX. As the letter stated.
Product: Credit reporting or other personal consumer reports

To Transunion This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that 1. FCRA 15 U.S.C. 1681i- ALL UNVERIFIED ACCOUNT MUST BE PROMPTLY DELETED. I NEED YOU TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS. 
XXXX  XXXX XXXX Account Number : XXXX I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY FROM MY CREDIT REPORT YOU NEVER PROVIDED ANY COPY OF THE VERIFIABLE PROOF THAT YOU HAVE ON FILE FOR THIS ACCOUNT YOU CAN NOT KEEP ON VIOLATING MY RIGHTS 2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Remove all at once. 
3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Remove all at once. 
4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 
5. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/XXXX  Remove this inquiry. 
6. 15 U.S. Code 1681i -  Procedure in case of disputed accuracy XXXX XXXX XXXX  Account Number : XXXX Remove all at once. the following account be validated or removed immediately :
Product: Credit reporting or other personal consumer reports

I attached what I am asking for and XXXX  bankruptcy laws. I am asking for tge letter to incure new debt with these acounts. You legal departments will be getting the same suff. XXXX XXXX  needs to be remover and not show back on my credit report. Applied bank removed and show back up on my credit report. and lvnv funding And credit first fire stone. Need 's to be remover and not show back up. These credit card company and braking the federal laws. And I know nothing about these four acounts there not mine
Product: Mortgage

On XX/XX/XXXX I sent a response e-mail to XXXX ( Teller ID XXXX ) from Specialized Loan Servicing. ( see attached documents for the e-mail and the documents attached to the e-mail. ) In this e-mail I advised XXXX that I was in receipt of her letter dated XX/XX/XXXX regarding the available options to me for mortgage relief. 

I informed XXXX that I wanted Specialized Loan Servicing to be aware that my mortgage which is under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was part of a settlement agreement with the Department of Justice. With this said, said settlement agreement stated that XXXX XXXX XXXX must provide relief to consumers. Some of that relief would be in the form of principal reduction and loan modification that would result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. 

While I was in negotiations with Specialized Loan Servicing they only thing they offered me was to modify my loan with a lower interest rate and putting all past dues amount, fees, etc. and the principal amount to the end of the loan as a balloon payment. Also, the terms of my loan where not extended they remained with the same end date as the original loan. 

XXXX  XXXX XXXX/XXXX XXXX / Specialized Loan Servicing have not complied with the Department of Justices Settlement Agreement of XX/XX/XXXX nor have they complied with responding to my first letter to them regarding the consumer relief that is owed to me under the said settlement agreement. They have violated their agreement with the Department of Justice and have failed to provide me with all the allowed relief for my mortgage loan. 

I request that they provide me with answers and with the consumer relief that is due to me under their agreement with the Department of Justice Settlement Agreement of XX/XX/XXXX. The relief is not only a lower interest rate, a loan modification but also principal reduction, forbearance or forgiveness of first lien. Please see in the attached document Page # 5 Consumer Relief for further information on the consumer relief that is to be provided to homeowners. 

Also be aware that Specialized Loan Servicing as the Servicer has to this date never provided me an answer to my original letter to them regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The exact same SYNCB/WALMART account on my XXXX Credit Report is reporting twice. As I explained to XXXX, these two accounts are the same exact account. The second account was created when my credit card was stolen and SYNCB/WALMART issued a new account number to prevent fraud. One of these accounts shows a payment status of 'unknown '. As such, the account should have been deleted on that basis alone since XXXX admits it cant verify it. Lastly, my account shows that I was 30-days late when in fact that is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

To this date, XX/XX/XXXX I have been writing and going back and forth with XXXX for the past 1.5 years ( since XX/XX/XXXX to be precise ) about derogatory accounts on my reports. I have been nothing but fair to this company with the patience I've had so far. I have sent in multiple requests asking them to provide me with paperwork stating whom they have spoke with and how are they verifying this unverified and unverifiable accounts on my credit. I have not received anything from the original creditor ( s ) for these accounts. XXXX are still reporting XXXX XXXX XXXX XXXX XXXX  without any responses besides the generic " verified '' automated letters that I've been receiving for the past almost two years.
Product: Mortgage

I am an authorized party on the mortgage for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Their mortgage loan was with Wells Fargo until XX/XX/2018. Prior to that date, Wells Fargo approved a loan modification for XXXX and XXXX after they had made 3 required mortgage payments. Wells Fargo sent the Loan Modification papers which are dated XX/XX/XXXX and then sold the servicing of the loan to XXXX XXXX XXXX ( XXXX  ). I have called XXXX on five separate occasions to talk to them about the incorrect information they have in their system for XXXX and XXXX 's loan. The claim they have no record of me being authorized on the loan even though I faxed them the authorization along with power of attorney for both XXXX and XXXX, and the modification documents. After they stated they never received the fax, I emailed the documents. They claim they still don't have them and will not contact Wells Fargo to obtain the authorization. I have confirmation of receipt for both the fax and the email. Today when I called again to speak with someone and was told for the fifth time that I was not authorized I asked to speak with a supervisor. XXXX, the woman I spoke with said a supervisor would not be able to help me either. I told her I wanted to speak with a supervisor anyway. She transferred me to someone's voicemail. XXXX is violating the terms of the modification that was approved by Wells Fargo and also violating XXXX and XXXX 's authorization to allow me to handle their financial obligations. They are sending statements which have incorrect payment amounts and are also sending statements that XXXX and XXXX are past due, which is incorrect according to documentation received from Wells Fargo prior to the transfer of the loan. The XXXX loan number is XXXX The Wells Fargo loan number is XXXX
Product: Mortgage

I encountered the following XXXX issues with Shellpoint Mortgage Servicing, the primary issue being that they stole {$25000.00} from me ( they took {$50000.00} from my bank, only applied {$25000.00} to my loan, and are currently refusing to return or credit to my account the other {$25000.00} ) : XXXX ) On XX/XX/year>, I attempted to make a {$50000.00} payment on my HELOC to Shellpoint Mortgage Servicing. This was allowable as per my original terms of agreement with XXXX XXXXXXXX XXXX before they transferred my loan to Specialized Loan Servicing, who then transferred my loan to Newrez XXXX Shellpoint Mortgage Servicing. Shellpoint did not allow a {$50000.00} payment. When I called the company to inquire about this they informed me I could only make a {$25000.00} payment. This violated the rule that terms of agreement on a mortgage must remain when transferred to a new company. It also required that I pay additional interest as I would have to wait to make the second {$25000.00} payment. 

XXXX ) I made XXXX {$25000.00} payments to Shellpoint ( totaling {$50000.00} ), which were taken from my bank account on XX/XX/XXXX and XX/XX/XXXX respectively. One payment was credited to my Shellpoint account XX/XX/XXXX. The other never posted to my account. When I called Shellpoint to inquire about the issue, they confirmed that they lost my other {$25000.00} payment. They refused to call me back and forced me to wait on hold while they looked for the payment. They eventually found it, acknowledged that they took the money, but did not credit my account. Rather, they said they had to " look into it '' and that they " may '' contact me about it, but refused to assure me that ( 1 ) they would ever return the money or ( 2 ) ever credit it to my account. They simply took it. I've followed up via email, and they will not respond to me. 

XXXX ) While this is a minor issue, Shellpoint delayed 6 days between debiting my bank account for my initial {$25000.00} payment and crediting my loan, resulting in XXXX additional days of interested accruing on this payment. 

XXXX ) Customer service has been horrendous. I did not choose this company, my loan was sold to them. It was bad enough that they lost {$25000.00} they took from me. It is absolutely unacceptable that after being notified of this issue, they refuse to credit my account the amount they took. As of this writing, they are still charging me interest, and still refusing to respond to my requests for updates, information, and ultimately, resolution of the issue. They simply kept the {$25000.00}. I don't know what to do or how to proceed. 

Mistakes happen. But when they happen, a company chooses how to respond. Whether Shellpoint Mortgage Servicing accidentally misplaced or stole my {$25000.00}, they are currently aware of the issue, admitted they took it, and refuse to address the issue or assure me that they plan to address it.
Product: Vehicle loan or lease

I got the gap insurance with my car loan from CREDIT ACCEPTANCE CORPORATION when they took my car due to flood the gap insurance send them a check for the remanding balance. The gap insurance paid off my car and still saying I own XXXX. They refused to take it off my credit report on XXXX.