23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have asked 21st Century Mortgage twice to stop calling my place of employment. I 'm not even 30 days late on my mortgage. 
They know I pay the second Wednesday of every month. 
Today XXXX/XXXX/16 is the second Wednesday and they called my place of employment. They have been told twice to stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company in question ( XXXX  XXXX  ) has repeatedly defamed my character and is unwilling to correct an issue that I am not at fault for. Payments which were scheduled were not made due to their auto-payment system not functioning correctly. I was not notified until well after 90 days delinquency. Every time I call in, they tell me it is my fault, I am an XXXX, and I was being irresponsible.To the contrary, I made every good faith attempt to straighten out any issues as I were made aware of them. The preeminent issue is that I was never made aware of any issues until well after they reported it to the credit reporting agency. Unfortunately, they will not even consider submitting another appeal on my behalf as they stand by their narrative as noted above. At this point, I am considering pressing charges ; but, I am interested in pursuing any further options that I have.
Product: Credit card or prepaid card

I had been out of work and had made some arrangements on when l would be making payments. 

So 3 days later l called XXXX and told them l would be making a payment and she guaranteed me that as soon as that's done, available funds will be made minus credit card fees but to my surprised l was told XXXX $ was a large payments so they have frozen my access to the funds and use of the card despite telling them that l needed the funds to be available and they had assured me of that but they now have been claiming that its a system that does that and they can not make them available for the whole 2 weeks until the XXXX of XXXX. 

Now despite paying off my balance by half they have caused harm to me and my family for bills and others. They have even charged me late fees/ monthly fees.as cant even release the funds or call me back as requested when theier Managers would be free. Its now over 2 weeks and no calls from Managers and no release of my funds. 

They are making loans of my held funds and making profits as l know they have probably borrowed those funds to other individuals and keep making free profits from me and others that may be in the similar case where l do not know how {$2200.00} is a large amount that would cause them to freeze my funds for over 2 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXXXXXX Balance : {$380.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Michael Haynes & Associates continues to call me at work after repeatedly being told that this jeopardizes my employment.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681c-2, if a consumer reports identity theft, the items in question must be promptly investigated and, if found to be fraudulent, removed within four business days. However, I have identified discrepancies on my credit report that have not been addressed within this legally mandated timeframe. 

XXXX XX/XX/ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA 15USC 1681 section 604 a consumer reporting agency cant furnish my information without written permisson.

FCRA 15USC 1681s -2 ( a ) 1 ( a ) no information relating to a consumer shall be furnished to any consumer reporting agency and the agency reports or has a reasonable cause to believe that the information is inaccurate. 

Equifax has admitted to giving false information and inaccurate scores XX/XX/2022. 
i am also a victim of theft, and several data breaches i have attatched documentation.
Product: Mortgage

We have a mortgage with the following company : Shellpoint Mortgage Servicing XXXX XXXX XXXX  XXXX XXXX, Michigan XXXX Shellpoint escrow does not pay the Homeowners insurance, we pay for this premium each year. Twice a year, Shellpoint sends us a letter stating that the insurance policy has lapsed and that they are imposing a policy at a rate which is 10X the cost of our policy. Each time this happens we upload a new copy of the policy which Shellpoint ignores and implements their own policy. Phone calls can not be routed to the organization which issues the policy letter, the Escrow organization denies responsibility, and all documentation is not acknowledged. Twice a year I have to have my insurance agent resolve the issue which takes several days to resolve. 

We have no recourse to prevent this issue, we can not get in touch with the correct department and we can not get this resolved.
Product: Credit card

Never received a notification of monthly statement or the statement itself for XX/XX/XXXX, as a result payment was late by one day. I was charged a late fee of {$30.00} on XX/XX/XXXX. Full Balance was paid off on XX/XX/XXXX. Request a refund of late fee on XX/XX/XXXX. Was credited a partially only {$15.00}. I asked to have the full {$30.00} credited but the bank cited new cfpb regulations as the reason they are only crediting {$15.00}. I am requesting a full refund of the {$30.00} late fee credited to my account.
Product: Debt collection

My father called office of an attorney and spoke to a female. He said he called XXXX and just gave them acct number and she disclosed that there was a debt they were collecting with the amount and name of the company the debt was owed. They did not verify any information and my father told them is was fraud. They continued to collect on a debt after he had motioned it was fraud. They also stated call was recorded. I am filling a complaint since my information was given with out my consent. Who knows what information was disclosed. This is abuse. They also disclosed information to my bank and the letter that was sent to my bank who they assumed was my employer. My bank does not need to be involved in this matter and if they are attorneys they served the wrong company, ATTACHED IS THE LETTER THEY SERVED MY BANK AFTER THEY REALISED THEY HAVE MADE A MISTAKE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX FI Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXXDEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX {$1700.00} XXXX XXXX {$12000.00} XXXX {$750.00} XXXX CRED {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a person loan for {$5000.00} that has been paid in full on XX/XX/2020. I requested a dispute of this amount on XX/XX/2020 and XX/XX/2020 I was informed via emailed the account will remain on my account. I also have some late payment items that were discharged in bankruptcy. I sent back a rating for the dispute at XXXX, and my rating dropped 40 points magically. My other credit scores are over 650. The information for the dispute is listed below. Thank you XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX Personal & Confidential Date Generated XX/XX/2020 Report Number XXXX
Product: Debt collection

Account Name : JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Mortgage

After many calls and emails to Selene XXXX in XXXX XXXX 2023 requesting my XXXX XXXX insurance not to be paid from XXXX, they have ignored my request completely. I was sent an increase of monthly escrow from {$170.00} to {$220.00} on my XXXX statement and to this date the insurance department at XXXX XXXX told me they have the XXXX insurance escrowed. 
The only payment XXXX XXXX is to make on my behalf is XXXX XXXX tax which was decreased for 2023. I requested a refund for the difference and got it. Now, please help me to have the increase in escrow rescinded as it is not justified because XXXX XXXX tax should be paid from XXXX. I have been paying my XXXX insurance. Thanks in advance.
Product: Debt collection

Medical debt was paid in full in XXXX of 2015. XXXX seperate accounts for {$54.00}, {$20.00}, and {$7.00} were all paid off in XXXX lump sum payment. The debt collection agency reported the collection to the credit reporting bureaus XXXX months AFTER they were already paid in full, thereby negatively impacting my credit score due to collections accounts that no longer existed.
Product: Debt collection

I sent a cease and desist notice by certified mail to TD auto that was received on XX/XX/XXXX. I made a complaint about the company after receiving numerous calls, text and bills from the company dated after that date. The first complaint for this company was closed ( complaint code XXXX. ) The response back from the company they apologized for contacting me after cease and desist notice explaining they needed time to forward the cease and desist to the right people. The last XXXX days ( XXXX XXXX ) I received XXXX more notices by the company I need this company to stop XXXX me.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX reviewed my credit report and noticed several accounts and addresses that are reporting in my account inaccurate. By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. 
Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months I noticed this problem in XX/XX/XXXX Accounts Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Account Balance : {$180.00} Inquiries Name : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX XXXX : XXXX XXXX XXXX Date XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XXXX XXXX Name : XXXX XXXX XXXXXXXX : XX/XX/XXXX Name : XXXX XXXX  XXXX : XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX Name : XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX Name : XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX  Date XXXX XX/XX/XXXX Inaccurate addresses reporting on my credit report are XXXX XXXX XXXX XXXX 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
Product: Debt collection

Portfolio Recovery XXXX is reporting fraudulent accounts on my credit files with the credit bureaus that are causing harm to me. I did not open these fraudulent accounts. I have filed a police report with XXXX Police and filed a FTC report. Fraudulent accounts are as follows : Acct # XXXX and Acct # XXXX.
Product: Credit card

recently I look at a copy of my credit report and i noticed several inaccuracies on my account. This account is hurtimg my ability to obtain credit.it is my understanding that will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate Amex XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
In accordance with the Fair Credit Reporting act XXXX ACCT, has violated my rights. 

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. 


XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX In accordance with the Fair Credit Reporting act XXXX XXXX BANK ACCT, has violated my rights. 

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. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX In accordance with the Fair Credit Reporting act XXXXACCT, has violated my rights. 

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. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX OH, XXXX In accordance with the Fair Credit Reporting act XXXX, has violated my rights. 

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. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. 

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. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX In accordance with the Fair Credit Reporting act XXXX, has violated my rights. 

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. 

XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

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

This is my XXXX  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 items in my credit record that came about due to an alleged fraud or extortion. 
XXXX 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
Product: Credit reporting or other personal consumer reports

I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I amm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have submitted several disputes to the credit bureaus equivalent, XXXX and transunion. The only response I get back is account verified. I have asked in my letters to provide proof of what youre telling me. I also called XXXX XXXX myself and they keep giving me the run around. How can you verify an account reported on someones credit but can not provide proof that it belongs to them. XXXX was suppose to send me an email of a fraud form and I never received that as of XX/XX/2023. I need this account removed immediately Im tired of going back and forth. My next step will be to file a law suit. 

XXXX XXXX acct number XXXX.