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

This is XXXX XXXX submitting another CFPB Complaint too follow up the fist complaint XXXX previous ; y submitted on XX/XX/XXXX. I sent a letter on XX/XX/XXXX addressed to the Credit Reporting Agencies to remove the disputed Fraudulent accounts and information that are completely XXXX  to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Once again, please remove the following fraudulents accounts and information completely from my Credit Report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX C XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$950.00} XXXX XXXX CO XXXX Balance Owed : {$490.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following personal information from my credit report : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Employment : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Lastly removed all telephone numbers from my report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2021 I bought a XXXX XXXX from the company XXXX. I then paid this vehicle off a year later. The furnishing company ( XXXX/BRIDGECREST ) sent me the title to the vehicle with their official company stamp and then reported the vehicle on my credit as Paid, closed. Then the same exact tradeline had now posted on my credit as Charged off. I have the title of the vehicle and have screenshoots of whats being reported on my credit file as well. This has now become an even BIGGER problem because I was recently offered an employment opportunity with XXXX XXXX but they retracted my offer due to this charge off being listed on my credit report. Please help me have this removed immediately because I have now disputed this twice, and lost a great job opportunity which was going to help me provide for my family. I have emails from my job offer and why my offer was retracted, as well as my title of the vehicle, and the XXXX separate reportings on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to XXXX, Equifax, XXXX that they are reporting in accurate inquires on my report. They refuse to remove the inquiries. They have not provided proof that I approved these inquires on my report. There are no attached accounts to these recent inquires,
Product: Credit card or prepaid card

I have been with Capital One for over 2 years and started off with a secured credit card. I've been in good standing with these debt collectors and once I requested a credit increase I was denied and never received a letter in the mail for the reasons why. I called the company and the representative was not able to give me any explanations on why I was denied. As the Consumer, I have a right to my credit line and appreciate the violation of my rights ( 15 U.S.C 1692e ).
Product: Credit card or prepaid card

I implore you to promptly update my account as I have consistently made timely payments, and the current situation is causing me a significant amount of XXXXXXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX : Cease and Desist Request for Deletion of Collection Account Dear XXXX  XXXX XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of debt, including any fees or interest.

3. Date of Last Activity 4. Full accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this det.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I attempted to transfer {$200.00} from my bank account to Cash App. The process failed " for security reasons. '' A call to their XXXX support at XXXX was a waste of time. I satisfied their requirement and provided the security code sent to my phone. The agent read from a script. It was IMPOSSIBLE to reason with her. When asked to speak to a supervisor, none are available. They will only communicate via email. 

The friend I was trying to send funds to said he has about {$1000.00} tied up in their system for security reasons. 

I was fortunate. I do not have funds tied up with them. 

It is a VERY FRUSTRATING experience when you can not reach someone who can conduct a conversation. The representative read from a script. They do not have a supervisor available to resolve an issue. The only thing said was that I did not have a history of transactions. The account is XXXX days old.
Product: Mortgage

XXXX XXXX RE : XXXX XXXX XXXX XXXX, CA XXXX LOAN # XXXX I purchased the above referenced home XXXX years ago for {$650000.00}, my husband and I have built XXXX other homes on the same property ( same Parcel ) making a total of XXXX units ( individual structures ) that is now appraised well over {>= $1,000,000}. We have been working with Shellpoint mtg for several months in order to remove our private mortgage insurance ( PMI ). Unfortunately, Shellpoint has repeatedly denied our request stating we need over 20 % equity. To argue this statement we have asked shellpoint to conduct an appraisal of the property which will show that we have well over 20 %. We are happy to pay for the appraisal. This request has also been ignored once again despite several attempts. At this point we do not know what else to and have decided to turn to CFPB to seek assistance. 
We no longer want to pay the additional $ XXXX for the PMI and need ShellPoint Mortgage to treat us fairly. 

Thank you in advance for your assistance in this matter. 

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

XXXXXXXX XXXX XXXX offers a line of credit to purchase a XXXXXXXX XXXX XXXX. In which they do a credit check which affects your credit score. But also do it even if the item is sold out and then they will cancel the order. Still leaving your credit affected but with no item to show for it or a actual use for the credit they gave you because the items are sold out and can't just be repurchased.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable a item that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. 

Credit Bureau is XXXX the account is : XXXX XXXX XXXX I filed a dispute XXXX XXXX I asked for information proving the information was accurate I received no response they actually stated it was accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Checking or savings account

I get paid every other XXXX through direct deposit into my Capital One XXXX  checking account. Today, my direct deposit did not come through. I confirmed with my employer that it was not an issue on their end or with their payroll provider. My paycheck is roughly {$3100.00}. I rely on a consistent deposit schedule to pay my bills, and despite attempting to contact customer service, there is no indication from Capital One as to when my money will be in my account. These are people 's livelihoods that they are messing with.
Product: Mortgage

I tried to refinance a property that I purchased in XXXX of 2019 for XXXX with Loan Depot. The appraisal that was ordered was incorrect, it was not ordered for a rental property and was instead ordered as a primary residence. They also performed a drive by  refinance rather than going into the home. 

The appraisal came in at XXXX, and when I raised concern about them not going in to see the improvements that we've made to the house and that the incorrect mortgage type was ordered, also that it seems unlikely that the real estate market dropped 10 % is a year was unlikely ... they would not reorder a new appraisal or refund me for the incorrect one that was ordered. 

The customer service that I experienced during the process was atrocious, calls and emails that went unanswered. 

I called the manger but we refused to refund the appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Dept of ED continues to report accounts to my Transunion credit profile. I have recently filed complaints against Transunion for allowing this and they have continued to ignore my findings and do investigations with the creditor, putting me at an unfair advantage. I have never allowed Transunion to report this account to my profile. My report never showed XXXX on it. Prove to the government that I signed off on a loan with XXXX with my black ink signature. This is a fraudulent account and the dates lie. They said that it was reported on my report in 2012 however I have provided you proof this account never was on my credit report prior to a month ago. I demand Transunion & XXXX delete this Fraudulent account from my credit report immediately. Pursuant to 15 USC 1681b, Permissible purposes of consumer reports I never gave you any written consent to report this account on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

All accounts listed below have violated my rights Account XXXX. XXXX XXXX XXXX XXXX XXXX, account number : XXXX, collection agency : XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX  XXXX, account number : XXXX, collection agency : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX, account number : XXXX, collection agency : XXXX Account XXXX. XXXX, account number : XXXX, collection agency : XXXX XXXX XXXX  Account XXXX. XXXX XXXX, account number : XXXX, collection agency : XXXX Account XXXX. XXXX, account number : XXXX, collection agency : XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number : XXXX Account XXXX. XXXX XXXX XXXX, account number : XXXX, collection agency XXXX XXXX XXXX XXXX  Section XXXX XXXX section XXXX A states I have a right to privacy Section XXXX XXXX Section XXXX A Section XXXX also states a consumer reporting agency can not furnish a account without my written instructions Section XXXX XXXX. ( a ) ( XXXX ) section states no consumer reporting agency XXXX make any consumer report containing any of the following forms of information any other adverse item information other than records of convictions of crimes Section XXXX XXXX ( A ) ( XXXX ) 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 Section XXXX XXXX ( XXXX ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Credit card

I contacted GENESIS CARD SERVICES several times about these two FRAUDULENT indigo and destiny accounts on my credit report are STILL here. I have never lived at the addresses associated nor authorized anyone to open anything with my information. When I spoke to them on the phone I was very clear and told them my name and social and also made them aware my information has been part of data breaches by XXXX and XXXX. Also the account number in their responses to me is NOT what is on my credit report at all. One account shows closed the other shows open but the account numbers remain the same on all 3 credit reports in which NEITHER was opened by me. The account says it ends in XXXX from destiny card / genesis. This is unethical on their end and absolutely NOT okay. I do not know what type of company this is, but this is absolutely madness and very much unethical practices. There is no reason I should have to keep repeating myself and having foreign representatives with language barriers constantly tell me the wrong information continuously after I have very CLEAR. I am attaching EXACTLY what is on my credit reports because it seems these people are playing games with my livelihood at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

While utilizing XXXX XXXX to dispute information on my three major Credit Reports ( XXXX, Experian and XXXX ). There are Items that are more than 7-10 years old that the credit reporting agencies have not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : I have a public record & XXXX  XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE : THIS IS A COURT ORDER BY A UNITED STATES MAGISTRATE JUDGE. SEE THE ATTACHMENTS AND COMPLY WITH THE ORDER. THE ORDER IS FOR PLAINTIFF ( XXXX XXXX ) TO FORWARD A COPY OF THIS ORDER TO ALL THE DEFENDANT ( S ) WHICH IS TransUnion, LLC., IN THIS CASE. UPON RECEIPT OF NOTICE SERVE AS YOU HAVE RECIEVED A COPY OF THIS ORDER. THE INSTRUCTIONS IS WRITTEN IF TransUnion, LLC., FAILS TO COMPLY. THANK YOU FOR YOUR TIMELY COOPERATION. XXXX XXXX All Rights Reserved.
Product: Credit reporting or other personal consumer reports

Below is the Email sent to XXXX XXXX  on XX/XX/XXXX, XXXX they mainly use predatory lending scheme to keep me with them, or when applied for loan assistance they were after my equity in home and increased my APR with no reason. Also XXXX XXXX  never provided me with any adverse action report, although it was requested. 

I am writing to formally dispute inaccurate information being reported to XXXX regarding my mortgage account with XXXX XXXX XXXX XXXX. Specifically, a report dated XX/XX/XXXX, erroneously indicates that I am currently paying my mortgage on a partial or modified payment plan. This is not true ; I have never paid on a modified or partial payment plan since the commencement of my mortgage. 

This is not an isolated incident. On XX/XX/XXXX, another erroneous report was sent to XXXX flagging my account as delinquent for more than 60 days and stating that I was paying on a modified or partial payment plan, both of which are false. While these remarks were removed in XXXX, their recurrence raises serious concerns about the accuracy of your reporting practices. 

According to the Fair and Accurate Credit Transactions Act ( FACTA ) and regulations enforced by the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), I should have received notice and an explanation of the adverse/negative disclosures sent to the credit bureau XXXX To date, I have not received any such notice or explanation. 

The repetition of these erroneous reports in a short period suggests more than an honest mistake or error. This pattern may be indicative of a predatory lending scheme, specifically Failure to Report Credit Information accurately, which is prohibited under the XXXX XXXX XXXX XXXX  and Consumer Protection Act of XXXX. 

The negative effects of these incorrect reports on my professional and personal life are substantial. As a Certified Public Accountant ( CPA ) and Corporate Controller, maintaining a clean credit report is crucial to my career. Inaccurate reporting harms my professional reputation and can impede my ability to obtain, maintain, and refinance credit. 

To rectify this situation, I request that XXXX XXXX  XXXX XXXX send a letter to XXXX to remove these false remarks entirely from my credit history. Additionally, I request that you provide me with the required disclosures and explanations for the adverse reports as mandated by FACTA.

Failure to address this issue promptly will leave me with no choice but to file complaints with the CFPB and the Federal Deposit Insurance Corporation ( FDIC ). 

Moreover, in XX/XX/XXXX, I requested loan assistance which was denied. Consequently, I missed the XXXX payment but agreed with XXXX to pay both XXXX and XXXX payments on XX/XX/XXXX. Despite this arrangement, XXXX reported the missed XXXX payment to the credit bureaus without providing the required disclosure by FACTA. This misrepresentation, suggested by a XXXX customer service representative, should also be removed from my credit report.
Product: Debt collection

I get repeated calls for " XXXX '' from XXXX, Wisconsin. I am not XXXX, nor do I live anywhere near XXXX, Wisconsin. 
They call on almost a daily basis. Today when I asked them where they were calling from, they said XXXX and gave me some severe attitude.