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

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove these account ( s ) : XXXX  XXXX XXXX, XXXX - XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/ and notice there were hard inquiries that dont have permissible pourpse to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I have four AMEXGIFT cards totalling {$800.00} dollars ( four seperate cards ). I have tried over 10 different vendors ( in person and online ) and everyone says there are billing issues. I have reached out to AMEX and they simply say to put in my information, but it doesnt work.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only service any of the three credit reporting companies offer is the opportunity to dispute information in the credit report, but this complaint is about how the credit score is actually generated. 

Its a programming issue inasmuch as all three companies apparently use the same or similar key factors ( Att 1 p. 1 & 2 ), but in my case those key factors do not track with my credit reports, " Your credit score ... reflects the number in your consumer report '' notwithstanding ( Att 1 p. 2 : X'ed block ).

For examples, factor 00011/01 : Amount owed on ( Revolving ) accounts is too high is a report Debt-to-Credit ratio of 4 %, 028 Number of Established Accounts is 03 Too Few Bank/National Revolving Accounts IS MY CHOICE, 10/010 : Proportion of Balances to credit limits is a variant of 00011, and 014 length of time accounts have been established is reported as a 21 year average in a 30 year credit history. 

" Know how to get rich? Spend less than you make. ''
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I noticed unauthorized and unverified hard inquiries on my credit report that need to be removed immediately under the FCRA. 


XXXX  Date of Inquiries : XX/XX/23 & XX/XX/23 XXXX XXXX  Date of Inquiry : XX/XX/23
Product: Mortgage

My mortgage was transferred over to Shellpoint Mortgage Servicing in XXXX of 2020, and since then, in 8 short months, I have had more headache than I have had over the past 12 years I have lived in this house. 

First complaint is regarding communication, and that manifests itself two fold. For one, there is a lack of consistent and competent representatives when calling. It feels as though it is the luck of the draw when calling, as you never know the service you will receive. Secondly, there is insufficient time provided whenever their is change in your mortgage payments ( example provided in detail below ). So whether it is written or verbal communication, there seems to be a lack of clear and thorough thought process that they seem to follow. There is a clear lack of consistency in service, which has not only cost me a headache but now they are wanting to charge me fees. 

Example : - I was sent a letter on XX/XX/XXXX, expressing that my mortgage payment for XXXX will increase due to the evaluation of the escrow. The increase was significantly larger than usual, so looked closely and discovered that they had not taken my tax exception into account. I immediately reached out to them and a representative explained that they do not have the exception letter on file and I needed to resubmit the letter from my local government. However, the issue was that the presentative said that it would take 6 weeks to process the letter ; perplexed by the timeline, I expressed how I am given a notice only five weeks prior to a payment but required 6 weeks to process amendments. The representative promised an expedited process as long as I provide the necessary documents, which I provided the documentations the next day. In mid XXXX, I received a letter with the reevaluated escrow ( with the tax exceptions ) and was given a new payment amount, in recognizing the difference between the amount paid in the first of XXXX and what I owed since the reevaluation, I made a secondary payment for the difference. Yet I am now charged with a late fee for the month of XXXX because according to their representative I was short in my payment for XXXX. When I tried to explain the situation with the representative, I was told I must write a complaint letter to the loan services department in order to contest the fee, and as you can imagine that also would take weeks upon weeks. 

I followed their direction, but after looking into the company and reading many complaints that are similar to mine, I am alarmed at how many people the company is trying to take advantage off, an error from Shellpoint should not cost its customer any more let alone, let their error lead to fees and charges because the timeline provided does not allow people to write wrongs. This should be illegal, but definitely is immoral.
Product: Student loan

Submitted XXXX  application XX/XX/XXXX. Was told 30 days to process. Called multiple times to check status. Was told its taking longer. Received letter today and over XXXX payments are missing form their accounting. Spent an hour on hold. Promoted to press 1 to get a call back. When the call came two hours later, it was just an automated system telling me I missed their call?! I get back on hold for THREE MORE hours. Finally get a human being and Im told they cant help. Only dept of education can count the payments on XXXX waiver. Which is a lie. This loan servicing company is NOT following the federal waiver. Theyre purposely dragging their feet to postpone having to waive loans. They are impossible to get on the phone and dont return calls or emails.
Product: Checking or savings account

On XX/XX/XXXX two unauthorized checks were drawn against my small business account for my company XXXX XXXX XXXX : Check # XXXX in the amount of {$1900.00} and / check # XXXX in the amount of {$1900.00}. The payee was unknown to me, and the check numbers appeared to have been chosen at random, as they had already been issued more than a year prior to other non-related payees. I notified my bank immediately and they agreed to investigate, assigning case ID # XXXX to this matter. Following nine more rounds of correspondence, on XX/XX/XXXX my bank provided me with copies of the bogus checks, stating that they had been force paid via mobile deposit through an account at the XXXX Bank XXXX XXXX. The checks were poor forgeries, including errors in our account number printed at the bottom. My bank took the position that they would have to wait for the fraud department to investigate prior to taking any action. I followed up seven more times, including with the fraud department as well as an in-person meeting with bank personal including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I emailed the XXXX XXXX XXXX XXXX, asking to receive provisional credit of the amount stolen while the investigation is ongoing. The last reply I received from the XXXX branch was We recommend that you follow up with fraud as XXXX and myself are no longer in the loop on this matter. It is clear that after 17 months, Capital One has no intention of taking responsibility for the forged checks they funded out of my account with recycled serial numbers, incorrect account number, and a bogus payee with no history of prior payment. I own a small business and that {$3900.00} loss is significant to me and my family.
Product: Debt collection

I C System Inc is reporting inaccurate information on my credit report. I never did business with this company.
Product: Mortgage

XXXX sold my mortgage to NEWREZ XXXX I have had mortgages for 40 years on different properties, always insured. I live in New Mexico on a very high rise hill, New Mexico has been in a drought situation for fifty years. I received a threatening notice from NEWREZ last month demanding I produce " Flood insurance '' or else they will and charge me an exorbitant fee for this 'service '. I sent the letter with my payment to XXXX XXXX XXXX  asking them to contact NEWREZ. Apparently they did not. I received another threatening notice last week from NEWREZ saying they will set up flood insurance at a cost of {$2000.00} a year if I do not do something. They have no idea where my home is or how safe it is from flooding. No IDEA. I contacted my local XXXX XXXX office and they are going to get me a cost for flood insurance through their offices. I am shocked and a little frightened by the ability to threaten a mortgagee with this kind of ludicrous money-grubbing method. I have never filed a claim in my life. This kind of corporate threat is becoming more and more common. I do not need flood insurance. my home is at least 200 feet higher than the surrounding area, NEWREZ has no reason to demand flood insurance. I am thoroughly disgusted with the incredible behavior of corporations today.
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Mortgage

I started with SLS on XX/XX/XXXX when they took over loan from XXXX  XXXX XXXX. I could not set up website or call to make a payment when I called on XX/XX/XXXX as they did not have me in their system yet. They said I had 60 days to make XXXX 's payment as this is common. XXXX payment was made XX/XX/XXXX and is agreed upon with SLS. SLS is reporting ( see attached ) that my XXXX payment was late as you can see the have XXXX XXXX for last year which include XXXX, XXXX and XXXX. Reporting XXXX is a clear RESPA violation when it comes to the transfer of loans between banks. 

I reported SLS in a different complaint with CFPB and they stated I was behind until XX/XX/XXXX and have been up to date since then. See complaint XXXX. XXXX, XXXX and XXXX is 3 months. They are reporting me late for 6 months in XXXX. 

According to SLS and their response to my complaint, they are saying that I was late, are are not following RESPA guidelines in reporting me late for XX/XX/XXXX and also have not fixed the error for XXXX, XXXX and XXXX. 

There should be no dispute as the SLS response to my complaint XXXX and what the are reporting in late payment history do not match.
Product: Debt collection

They offset my entire paycheck for a debt my wife had made on a joint account that is closed. BOA took the money from my personal checking account, leaving a great hardship. I cant buy food, or pay bills and we are in great financial hardship. They did not inform me of this action.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Midwest Recovery has been contacting me since last year about a debt last year ( XX/XX/XXXX ) I had an financial advisor and informed them to contact them, their phone number was given. NO notice was received from Midwest and I was not informed by my financial advisor that they had responded to any communication. I began receiving the calls again this year XX/XX/XXXX and I have informed them on more than 2 accounts to verify the account because when I asked them questions about the debt the diverted the conversion and could not give me specific information, they only said that the debt originated in a medical facility in Florida. I told them to validate the account in writing gave them my updated address and I have never received a letter to validate the account. They continue to call without and end to the issue and still have yet to validate the account. As I am aware myself and my financial advisor has paid all my outstanding medical bills and the 3 I have now I am on a payment plan. I am unaware of this debt and can't help to resolve the debt because they have yet to validate the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern but 15 USC 1681. And they violated my rights numerous of times. I d
emand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023. Someone hacked my XXXX account which in turned hacked my XXXX account and made 20 unauthorized charges through XXXX which was connected to my debit card. I immediately upon noticing it called my bank and reported the unauthorized charges. I then started receiving emails from XXXX and XXXX about suspicious activity. Then I received notice from Chase Bank that I authorized the charges through a text message that I never received. I went to a Chase branch and submitted documentation showing suspicious activity in my accounts and Chase is still refusing to give me back my {$3200.00} that was fraudulently took from my account. I have contacted them multiple times and they will no longer help me since they have denied my fraud claim. Pleae let me know how you can help me recover my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Public Record : XXXX  XXXX Bankruptcy XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, VA 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 complaint about several creditors and debt collectors who are inaccurately reporting and updating information on my credit reports. These issues have persisted despite my attempts to resolve them, and the lack of proper investigation is concerning. Below is a summary of the key issues I am facing : XXXX XXXX XXXX  : XXXX  is updating my credit report with Activity : XXXX XXXX XXXX ( Collections ) and then reopening the account after closing it, which is inaccurate. They are using outdated and inaccurate credit statements as their means of " verifying '' the account, rather than providing proper documentation to support their reporting. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), as they are not properly verifying the account information. 
XXXX XXXX : XXXX XXXX continues to update my credit report with inaccurate information. They have not provided proper documentation to verify the validity of the account, yet they keep updating the tradeline with false information. The account should have been deleted due to improper verification, but it continues to affect my credit report. 
XXXX XXXX : XXXX XXXX sent a letter stating that they " do not know the date of the last activity '' on my account. This is a critical piece of information that should be accurately reported. Their failure to properly investigate and report the date of last activity violates the FCRA, and their continued reporting is causing harm to my credit report. 
XXXX : XXXX has XXXX my account to XXXX XXXX XXXX , yet they are still reporting and updating the tradeline as if they are the original creditor. Additionally, they failed to provide the documentation I requested to verify the account, which means they are not following proper debt validation procedures. This has led to incorrect information being reported on my credit report, despite the fact that the account has been sold and should no longer be updated by XXXX. 
General Concerns : The errors on my credit report are out of control, and the companies involved are not taking my disputes seriously. The fact that these companies are not properly investigating my disputes and are continuing to update incorrect information is a violation of the FCRA. I am requesting that these issues be thoroughly investigated by the CFPB, and that the companies involved be held accountable for their failure to properly handle my disputes. 
Actions Taken : I have disputed these accounts with the credit bureaus multiple times, but the errors persist. 
I have requested verification and documentation from the creditors, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but they have either failed to provide proper documentation or have admitted that they do not have certain critical information ( e.g., date of last activity ). 
These companies continue to update my credit report with inaccurate information, which is severely impacting my credit score and overall financial health.
Product: Checking or savings account

On XX/XX/XXXXXXXX   I was emailed and called about a loan I was approved for with XXXX. Little did I know, I was at the beginning of a scam. The fraudsters contacted me via email, and then by phone saying I was approved for the loan. I was excited that I was approved and would be able to pay some things off! Well, things escalated quickly as I was actually speaking to fraudsters who then within minutes deposited 5-6 fraudulent checks into my account! They then told me I had to send the money back immediately to them via XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a " known '' scam that I did not know about. I knew something was not right at the first deposit. I was told They had to do this verification process and then the loan would be the next deposit. I then told them I did not want to proceed nor did I want to take the loan! They kept depositing into my account after I told them that. I felt nervous and in the text messages to them I let them know to STOP depositing funds and I did not want to keep sending them back to MULTIPLE XXXX accounts. Please see the attached emails and text thread. I was threatened over the phone that I would be out of thousands of $ if I did not send the funds back. I was terrified, all I was thinking was that I have to get this money back to them and be done or I would " reap the consequences ''. It wasn't until 3 or so hours later that I knew the only way to get this to be over was to call my bank, USAA. I called to make a fraud claim immediately, and a dispute as well all on XXXX On Friday XXXX even after submitting supporting documents, I was told that I was responsible for the {$3800.00} that my account was in the negative in. The USAA Fraud department ruled this in their favor and not mine because initiated the XXXX and XXXX XXXX  transactions. I am not scammed out of almost {$4000.00} dollars. PLEASE HELP ME!