23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under RMP Services LLC. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$20.00} ; XXXX XXXX  ( OriginalCreditor : XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was affected because one of my banks made a delinquency report for my credit account and because of that the credit limit on that credit card was reduced and another credit card was closed. The truth is that I didnt pay my credit cards because I was in Boot Camp ( XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and wasnt able to use my phone. I want to know if i can fix this issue or if there is a law that protects me from this kind of problem.
Product: Credit reporting or other personal consumer reports

Experian will not investigate the XXXX XXXX acct XXXX XXXX despite multiple disputes filed. They must delete this account due to the following reasons : 1 ) violation of FCRA Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute 2 ) missing data after XX/XX/XXXX  to present indicates a reasonable investigation was not performed
Product: Credit card

On XX/XX/2024, I initiated a simple balance transfer from a Government Issued XXXX XXXX Card issued by XXXX, now XXXXXXXX XXXX ) and managed by Money Network with a {$600.00} balance on it to my XXXX Checking Account. The ACH Transfer never went through and I've been trying to get them to retrieve my money from what they say is their " XXXX XXXX  '', and issue me a check. I spoke with a XXXX on XX/XX/XXXX who gave me a XXXX ID # to go to XXXX with and that they would trace the funds. I did so, and XXXX informed me they have no record of this Trace ID and therefore can not trace the funds, only the XXXX where the transfer was initiated can trace the ACH Trace ID, not the receiving Bank. I have all my conversations with XXXX  Reps on recorded lines and I still to date have not received any ACH transfers to my XXXX Account in the amount of {$600.00} from Money Network, and I have my bank statements as well as my proof. After speaking with a Money Network Supervisor on XX/XX/XXXX who confirmed I entered my XXXX Account numbers correctly, they said, " they would no longer help me in this matter ''. I've called them back to try and get an Agent/Supervisor, only to be hung up on, and I've Faxed both their Customer Claims Dept numbers asking for their proof they've done anything to help me- I've received no reply to date. I've even called XXXX, now XXXXXXXX XXXX, the actual Name on the back of the Card itself for help, they refuse to help me as well. The CA Attorney General 's office referred my complaint to you, so please help me in this matter, I'll provide anything you need, and you should look closer at Money Network, early first stage Reps said they'd received Many complaints just like mine, I think they are stealing peoples money and trying to cover it up hoping people will give up on these types of claims.
Product: Payday loan, title loan, personal loan, or advance loan

I wired full payoff amount on XX/XX/year>. 
SoFi published 7-10 business days to post payment. It has been 12 business days and no payment applied. Multiple calls and escalated requests and no payment has been applied. Amount is over {$90000.00}. Customer service line is not functioning and chat will not respond. I have sent full payment and it has not been applied to loans by lender. No communication from lender or effort to resolve
Product: Credit reporting or other personal consumer reports

Collection Agency : XXXX XXXX XXXX XXXX : XXXX  aka XXXX XXXX  Amount of Debt : {$160.00} I have made several attempts over the past XXXX years for XXXX XXXX XXXX to verify proof that I used the services provided by XXXX. I have sent countless formal requests via certified mail asking for XXXX XXXX XXXX to provide me with the original purchase agreement of this alleged debt by proof that I used the service by providing me with XXXX ( XXXX ) months of billing statements showing I used the services, all to no avail. I have requested this information via certified mail for XXXX years and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If they can not provide the original purchase agreement of this alleged debt between myself and XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX. 

Collection Agency : The CBE Group Creditor : XXXX aka XXXX XXXX  Amount of Debt : {$160.00} This debt listed with The CBE Group is a duplicate entry for the same debt XXXX XXXX XXXX lists on all my credit reports. I have made several attempts over the past few months for The CBE Group to verify proof that I used the services provided by XXXX I have sent countless formal requests via certified mail asking for The CBE Group to provide me with the original purchase agreement of this alleged debt by proof that I used the service by providing me with XXXX ( XXXX ) months of billing statements showing I used the services, all to no avail. I have requested this information via certified mail for XXXX years and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If they can not provide the original purchase agreement of this alleged debt between myself and XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX.
Product: Mortgage

Shellpoint has not addressed providing fraudulent documents to XXXX XXXX. 

XXXX XXXX said that CFPB has a role in responding to this unethical and illegal behavior. 

In complaint number XXXX, Shellpoint summarizes my complaint and includes the buzz words like we have detected you wrote about this issue before to try and get consumer financial protection bureau to close the case. 

But, they did not address the underlying facts and they will not because they did it. So, unless CFPB actually looks, they will keep summarizing and saying nothing. 

I attached the email trials with XXXX XXXX included to document the truth of what I am saying and XXXX XXXXXXXX XXXX  attempt to do like Shellpoint always does restate the obvious without dealing with the actual.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and Experian, XXXX to remove these inquiries and all attempts failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am a first time homebuyer and have had my credit score pulled by the three main credit bureaus -- Equifax, XXXX, and XXXX -- through several lenders. XXXX is the only bureau that reported my correct social security number. 

Only one of the lenders we have considered going with doubled checked my credit score and found that it was incorrect on Equifax and XXXX 's reports. I started a dispute with Equifax on XX/XX/XXXX. They claimed it got fixed online but I received no email confirmation nor could I read the PDF file they attached to my account. I called them and had someone help me " fix '' it over the phone. They claimed it got fixed on XX/XX/XXXX. I had my lender pull my credit again today on XX/XX/XXXX and it was STILL incorrect. 

I started a dispute with XXXX and priority mailed the required information to them ( ID + social security number ). The number is STILL incorrect on the credit report. 

These two bureaus slowness in fixing my incorrect social security number is preventing my family from getting fully approved to buy a home. In this very competitive Utah market, it is making us miss out on great homes for my family ( including my 8 month pregnant wife ) because of their slow process. It's their fault we can not buy a home.
Product: Debt collection

On XX/XX/2021 I purchased a refrigerator from American First Finance in the amount of {$1400.00} thru their rent to own lease program. On the day of delivery, it was returned to the store because it was the wrong size for my kitchen. I contacted the store to cancel my order and refund the deposit. The store associate directed me to contact AFF customer service. I was told by their customer service associate the account would be closed and I would no longer be billed for the refrigerator. 

I'm still being billed after several attempts to resolve this matter, American First Finance has been sending harassing calls, bills, and have placed the account on my credit report. 

The attached rent to own lease contract states the return policy.
Product: Debt collection

I have provided this rental company with a letter from my employer that contract with the federal government, that stated that we are allow to break leases when relocation notice was given. plus i have put down a XXXX $ as a security for that place. if anything use my deposit for the last 2 months.
Product: Credit card or prepaid card

So I made a credit card payment of {$200.00} which posted to my account on XX/XX/XXXX. The running balance showed {$1500.00} after that {$200.00} payment. See attached photo. Fast forward to around XX/XX/XXXX or so I went to make my payment for XXXX. This is when I noticed the discrepancy. My running balance was still showing {$1500.00} yet my statement balance showed {$1700.00}. I contacted customer support and through multiple conversations with different representatives, supervisors, ect none of them where able to explain the discrepancy. I sent in the screenshot of what I was talking about and then I received an email on the XXXX of XXXX stating that per my request the dispute had been resolved and dropped. I then reached out again to customer service and informed them that I didn't resolve my dispute nor had I said anything along the lines of wanting to drop my dispute. When I inquired about me dropping the dispute and how that all came about I received a sympathetic message from a representative through the text message portal that let 's you speak with live agents. However, despite the sympathetic text the agent still couldn't answer my questions. They never did answer or were able to answer my initial question of why there was a {$200.00} discrepancy. I recieved one answer saying that the difference between the two was because they had issued me a temporary credit of {$200.00} and that is where the {$200.00} discrepancy came from. I pointed out that the running balance I was referring to was screenshoted on XX/XX/XXXX and that it showed {$1500.00} yet my statement balance showed {$1700.00} and this was all screenshoted before I even initiated a dispute. I then went on to have several other conversations with different representatives and one thing was always consistent. They were never able to answer my question and explain how or why I had two different balances showing which has been extremely frustrating and I now am starting to think I'm getting screwed out of {$200.00}. I've attached a screenshot from XX/XX/XXXX showing the balance in question as it shows {$1500.00}. I then have a screenshot from today XX/XX/XXXX showing my running balance after a payment of {$200.00} posted yesterday. I also included emails concerning when I initiated the dispute and an email telling me of my case being dropped when I had never asked for it too be
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my wife and I were away from home to be with a dying family member. Scammers called posing as our water and power department threatening to shut us down if we didn't pay right away. We had someone staying in our home in XXXX XXXX taking care of our animals. We tried to put a XXXX payment through from our bank ( USAA ) which said they could not let it go through until that Monday. We soon realized the person on the phone with us posing as XXXX  XXXX was a scammer and called the bank back to cancel the transfer. Even though they said it wouldn't go through, it did. The Bank said the transfer wasn't fraudulent even though the smallest investigation proves it was ( USAA lists the recipient as XXXX even though one call to them would corroborate the fact that it was not them ). XXXX takes XXXX responsibility and USAA is now ignoring all the escalations they keep promising. We are out {$980.00}. USAA said it was going to the escalation department twice, but they never got back to me. When I followed up, there was NOTHING being done, considered or escalated. 

XXXX is a magnet for fraud and totally unregulated as a normal bank transfer would be. We are the victims of fraud and unprotected by our Bank, USAA. Please help.
Product: Student loan

I unfortunately needed XXXX more loans to continue my education. These ended up being private loans.These loans were first originated through XXXX XXXX and changed over to Navient. Since getting these loans in XXXX/XXXX I have not been able to lower my interest rate. My rate is 9.75 % and was told that was the rate and no change of lowering it due simply to the fact that they are " private '' loans.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2024 Dear CFPB I am writing to bring to your attention that, due to incorrect reporting, my credit score has decreased by XXXX points within the past 30 days. I have filed a complaint regarding this matter ; however, the issue has not been resolved yet. All my accounts are in good standing and up to date. Why did my score go down by XXXX points in last 3 weeks Could you please provide an explanation and reason? 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made numerous attempts today, XX/XX/XXXX, to dispute a transaction from XXXX on XX/XX/XXXX or XX/XX/XXXX in the amount of {$1200.00}. I made a total of three calls to Discover, spoke with three different reps in disputes dept.. As explained to initial rep, I attempted to resolve matter directly with XXXX XXXX called the number listed on transaction numerous times within the past few days, was told they do not refund and only issue store credit .... The XXXX rep ( s ) were explained I did not make transaction, did not understand it is fraud. I left a message for a manager, no one called me back. I called Discover back a second time today, explained to another rep transaction is fraud, she attempted to refer me to a third party number in which case I told her that would not work, I needed to dispute charge with Discover. I then requested a manager, was put on hold for several minutes, no picked up.. I called back a third time, spoke with a XXXX in disputes, attempted again to dispute charge, he was explained above and I was put on hold while he attempted to file dispute ... He mentioned a call made to Discover on XX/XX/XXXX inquiring about funds availability for the charge and or a fraud alert in re, that call appears to be for a different amount .... I was at the time looking at an item for a different amount on XXXX, a boutique in XXXX XXXX, CA had a small mini bag available, a gift for my gf, I chose not to purchase, went with a XXXX bag instead. The amount of XXXX bag is around XXXX with tax. The call with XXXX cut off while on hold, he called back, put me on hold again.. I had another call come in which I needed to take, had to drop his call while on hold. Due to confusion on end of Discover reps in disputes, I was not able to file dispute and with call cutting out and later dropping, do not know if anything was filed. I wish to dispute charge as fraud, nothing received from XXXX in re, appears to be result of a possible data breach within XXXX
Product: Debt collection

I receive calls about debt collection yet when reviewing my credit statements, I have no debts in arrears. 

I receive the same recorded message from Harris and Harris Limited to call them at ( XXXX ) XXXX. They call from ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed withXX/XX/XXXXConsumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I am writing to report an inclusion of late payment from Account name XXXX XXXXXXXX Account number XXXX on my consumer credit report. XXXX XXXX, XXXX, Experian, and XXXX are violating my rights because they violate the provisions of 15 U.S.C. 1681a, which defines a consumer report and outlines its permissible content. Specifically, the law states that consumer reports can not include information about transactions or experiences between a consumer and the person making the report. This includes late payments, which should not be reported under these guidelines.

15 U.S.C. 1681a ( 2 ) Exclusions.

This Account has already been disputed previously and marked as completed which equals as a failure to correct this violation for which I now demand a {$1000.00} compensation as well as the removal of the late payment as a result of this failure.

It has come to my attention that the reporting of late payments on my credit report is inaccurate and unlawful. The continued inclusion of such information violates my rights under the Fair Credit Reporting Act ( FCRA ) and creates an unfair representation of my creditworthiness.

Delete the late payment which is stated on my consumer report that has a date of XX/XX/year> across all CRAs XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We applied 3 times to have our mortgage modified with Wells Fargo and were rejected all 3 times and subsequently lost our home to foreclosure and were forcefully evicted in XX/XX/2016. We have hired legal representation regarding this but would like Wells Fargo to contact us directly regarding these matters.
Product: Checking or savings account

Bank of America accounts were opened on XX/XX/XXXX, by someone ( not me ). How does BofA allow someone to open an account without verifying their identity? I immediately called their fraud department and they closed the account. But I only heard about this because the fraud used my real email address. If they had not I would have never known about it. 
I then got 3 more emails on XX/XX/XXXX, saying someone tried to open yet another account.