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

On XXXX XXXX I mailed a check to GM Financial for my payment dure XX/XX/2024. On XXXX XXXX I received a notice from XXXX and account had been marked late. I immediately checked my XXXX XXXX bank statement and noticed the check had not been cashed. I went online immediately and made my payment. After payment I called XXXX and spoke to ID # XXXX and # XXXX and asked why we did not receive a phone call about the late payment. They both stated " Your numbers have been marked as disconnected, even the one you are calling from now so our system did not attempt to call. The lady with ID # XXXX said well thats unfair and transferred me to someone else by the name of XXXX. XXXX stated " well we notified you numerous times to both you and your cosigner email addresses. I then asked what email address they had on file and she said we don't have them on file. " I responded by saying how could you email us without email addresses on file. Her response was " well we sent them, have a nice day. '' I would like the delinquent 30 days removed immediately from my XXXX XXXX XXXX, and my credit report immediately.
Product: Debt collection

I have disputed this account for {$850.00} numerous times with the credit bureaus as the debt is not mine. XXXX is unable to validate the debt for that reason. The collection agency then removed the debt. XXXX then gives the debt to another collection agency to collect and it appears on my credit reports AGAIN without notice to me that this is happening. This has been a cycle, and I am needing to pursue a formal complaint so that the debt can be deleted permanently.
Product: Mortgage

Shellpoint Mortgage is acting in bad faith on a real estate transaction, being criminally negligent regarding a financial matter and illegally inflating property values for the purposes of acting as a foreclosure mill and deny borrower legal right to avoid foreclosure as afforded by CA Homeowner Bill of Rights On XX/XX/XXXX Shellpoint Mortgage advised that their property value on this short sale request came in at XXXX. This value request was based on an agent they hired who is not a XXXX, did not do a property inspection nor did they research the property prior to visiting the home to check if there were any issues with the city against the home which in fact due to the age of the property there are. 

On XX/XX/XXXX we provided Shellpoint mortgage with the reasons why the property is not worth XXXX which mainly are as outlined below : 1. Major repairs needed as outlined on attached property inspection reports which impair the functionality of the home and must be fixed.

2. Docs from the city requiring work to be performed on the property due to the age of the home. Mainly the fact that the entire sewer system must be replaced due to city regs.

3. Foundation issues on the property as evidenced by reports and pictures. 
These are major issues which must be addressed and taken into consideration when considering value. A value dispute is SUPPOSED to review these issues. However Shellpoint DID NOT REVIEW any of the city docs nor did they review the property inspection report due to GROSS NEGLIGENCE and CRIMINAL NEGLECT when establishing property value. Instead the INCOMPETENT personnel that did the value dispute ONLY reviewed comps which were NEVER the issue. The issue is and has been the major damage and CITY required REPLACEMENTS which GREATLY IMPACT the value.
Product: Money transfer, virtual currency, or money service

My employer XXXX XXXX ( XXXX! ) sent my pay to XXXX I have used the XXXX card through them for months with no problems. Somebody changed the routing numbers from XXXX  to XXXXXXXX XXXX which also is connected with XXXX. XXXX sent a deposit to XXXX numbers on XXXX XXXX. They did proceeded to send a fraud alert email on XXXX XXXX. Never contacted me about the change to my account. I changed the numbers back to the correct ones. XXXX sent an email this time to make sure I had changed numbers. I had not logged on to XXXX in weeks prior to the change, but they are saying I had went to a scam website. Called XXXX customer service and was told it would be sent back as the account didn't have my name. Numerous calls and emails later, I started talking with XXXX. XXXX wanted XXXX XXXX to send a indemnity letter, but they refuse saying they did nothing wrong. XXXX now tells me the money has went to PayPal XXXX XXXX. 

So, I have now been emailing PayPal about the money going to a PayPal XXXX XXXX account. They saying they are doing an investigation. But they have the information at their fingertips and are not giving me any information. 

I want whoever did this caught and prosecuted to the fullest extend of the law. 
I have basically closed all my accounts with PayPal over this and just thankful my banking information wasn't on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not solicit this company for their business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017
Product: Debt collection

I told this company to stop calling and they called me XXXX  times in less than XXXX mins. I have the proof.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I am submitting this formal complaint regarding the unlawful actions of Diversified Adjustment Service, which have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Upon reviewing my credit report, I discovered an account associated with XXXX XXXX XXXX ( account number XXXX ) reported by Diversified Adjustment Service. This account has been placed on my credit report without proper verification that it is mine. Furthermore, I have not been provided with prior notice or the opportunity to dispute this alleged debt. These actions constitute clear violations of my rights and protections under the FDCPA and FCRA.

The placement of this unverified account on my credit report is a direct violation of my rights, and it has resulted in defamation of my character. By reporting this unverified and disputed debt, Diversified Adjustment Service has publicly presented inaccurate information about me to potential creditors, employers, and others who review my credit report. This can cause irreversible damage to my reputation, financial standing, and credibility. Such defamation has led to undue stress, frustration, and potential financial harm, as it may negatively affect my ability to secure credit, housing, and employment.

In addition, Diversified Adjustment Services continued efforts to collect on behalf of XXXX XXXX XXXX their failure to properly validate the debthas resulted in the improper sharing and use of my personal information, further harming my reputation.

Diversified Adjustment Service has violated the following provisions of the FDCPA : 15 U.S.C. 1692e : Engaging in false or misleading representations, including reporting unverified or inaccurate information.

15 U.S.C. 1692f : Employing unfair practices to collect a debt, such as improperly sharing personal data without validation.

As a result of these violations, I demand that the aforementioned account be immediately removed from my credit report and that Diversified Adjustment Service cease all attempts to collect this unverified debt. I also request a thorough investigation into this matter and expect written confirmation of corrective actions within 15 days.

Please note that under federal law, Diversified Adjustment Service is required to verify this debt before reporting it to the credit bureaus
Product: Credit card or prepaid card

I submitted dispute letters to XXXX, Equifax, and XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about many accounts that I believed were reporting inaccurately and/or fraud. Each agency has failed to reply back.
Product: Credit reporting or other personal consumer reports

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 
15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Product: Debt collection

On XX/XX/XXXX a debt of {$1200.00} was placed for collection by the XXXX XXXX for an apartment in XXXX. I was notified via email from Experion of the collection efforts by XXXX XXXX XXXX XXXX. I contacted the collection company and XXXX XXXX in XXXX of the fact that this was not my debt and that I had notified XXXX of the problem. No farther communication from the collection company and XXXX XXXX has been received. I received another email from XXXX that the same debt was placed for collection with XXXX XXXX XXXX in XX/XX/XXXX. I have contacted XXXX again. I have lived in Utah for over 62 years and have never lived in XXXX This is a case of Identity Fraud.
Product: Debt collection

I have been receiving voicemails from Comenity Bank trying to collect a debt from a relative. I am a third party. I asked them to remove my phone number and cease communication to my cell phone on XX/XX/19. On XX/XX/19, they yet again left a message on my cellphone addressed to my relative. My voicemail clearly states my name. They have failed to put my number on the do not call list and cease communication to my cellphone.
Product: Payday loan, title loan, or personal loan

Gold Star Finance in XXXX Tx XXXX XXXX, They barras me constantly ay works at all hours of the dar they calle and harass all my coworkers and staff..They even come to my work in person to harass me and my home
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already submitted complaints about my credit scores dropping for no good reason to transunion and XXXX. My reports clearly show that my payments are 100 % on time with no derogatory marks. This is a form of corruption that has to stop with these reporting agencies. are they working in cahoots with the insurance companies to make you pay higher premiums? It is good to know that president trump has gotten rid of your former CEO. He was no help with these issues at all. I will file a law suit against XXXX and transuion if they do not put my credit scores back to where they belong.
Product: Debt collection

I filed numerous complaints for First Federal Credit Control in regards to a account of {$800.00}. The collection agency has not presented any documentation as evidence that I legally owe this alleged debt. First Federal Credit Control has provided a itemization of charges which is not what I requested and also a signed authorization form to release medical records which also not what I requested. I requested a signed contract or instrument bearing my signature proving that I legally owe the debt. The collection agency responded stating that there is no provision in the FDCPA to provide the signed document. However, under the FCRA, section 609 ( a ) ( 1 ) ( A ), the CRA are required by federal law to verify- through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT-any and all accounts they post on a credit report. Also under the FCRA, unverified accounts must be removed and if the copy of verifiable proof is not able to be provided, they must remove the account. I have been requesting a contract bearing my signature because it is by federal law that one is verified by the CRA to prove that I legally owe the debt. If a signed contract can not be presented to me then one will need to be presented to the CRA by law. If a signed contract can not be provided to CRA then this account needs to be removed under the FCRA. The collection agency has already openly admitted to not having a signed contract to legally prove that I owe the debt but refuses to remove the account which violates the FCRA. Under the FDCPA it states that collectors are not allowed to give inaccurate information about the consumer. I filed numerous complaints about the CA providing inaccurate and incorrect information previously presented to me in a form of a invoice. However, the account was still not removed for its inaccuracies but instead changes were made to make me the only party involved which violates the FDCPA. The collection agency has been non compliant with my requests. They violated HIPAA by presenting documentation including my mother who has no relationship to this account. They violated the FDCPA by presenting documentation with inaccuracies and also violated the FCRA by not having a signed contract bearing my signature. As a consumer I still have rights to privacy and fair practices.Collectors must abide by the FDCPA and are not allowed to treat consumers in any way that is unfair.
Product: Debt collection

This is XXXX XXXX submitting this CFPB complaint to you today to inform you that I was a victim of identity theft and the Account you are reporting on my Credit File was the result of such crime. Under the Fair Credit Reporting Act, I have the rights to dispute any accounts and information that resulted XXXX to identity theft and have them removed completely from my Credit File. Under the provisions of the Fair Credit Reporting Act section 605b, I am requesting that you stop your erroneous reporting and have the account : CREDITACPT XXXX Balance : {$12000.00} ; removed from my Credit file as soon as possible. The Account I am disputing does not relate to any transactions that I have made or authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts with trans union and asked them to confirm that the accounts theyre reporting are legitimate in the sense that the proof of debt actually exists with proof of itemized invoices or receipts for the services rendered that I am subsequently being charged for. I have yet to see any proof but the company continues to claim that the disputes are resolved but that the consumer disagrees They are in violation of the fair credit reporting act and they are also slandering my name and goodwill status within the community and causing punitive damages stemming from their false reporting habits.
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 privacy and confidentiality under USC 1681. 

I told the XXXX, XXXX, Equifax to reinvestigate these accounts ; Account Name : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to15 USC 1681i ( 5 ) they are suppose to be modify accounts that isn't reporting correctly.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.to Also, they aren't even in compliance with metro 2 credit reporting. i have evidence to prove my case.
Product: Mortgage

I was injured at work and lost hours resulting in decreased income. I have fallen behind on my mortgage payment and am unable to contact the company. I have spent hours on hold and no one answers, or they answer and immediately disconnect the call. I call nearly every day. I am 4 payments behind and I had submitted one and a half payments to try and catch it up, but they returned that payment to me saying additional funds are needed.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have discovered a fraudulent account that does not belong to me, this account XXXX XXXX XXXX opened on XX/XX/year>XXXX  this account is fraudulent and does not belong to me. Also there is a fraudulent address on my account that does not belong to me the address is XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 
And a hard inquiry XXXX XXXX XX/XX/year>. This is fraudulent please remove
Product: Credit reporting or other personal consumer reports

Experian is reporting XXXX XXXX XXXXXXXX XXXX to my credit profile, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. 

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, Experian, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property
Product: Credit card

- My ( XXXX XXXX ) PayPal credit was used without me ( the only authorized user of the account ) 's permission. 

I contacted PayPal and SyncrhonyBank, they have NOT responded to me.
Product: Money transfer, virtual currency, or money service

on XX/XX/year>, i saw that there was an un-authorized domestic wire transfer from my chase bank checkings account. the amount that was taken out from my account was {$19000.00} $ and was transferred to another bank account without my permission or authorization. I immediately went to my local chase bank to report fraud and closed my chase checking account and asked the bank to monitor my account daily. 

the chase bank said that they will do an investigation. i had alarm set up for any payments or deposits or transfers and i never received any alarm from the bank about this wire transfer. 

The bank never called me to confirm the wire transfer or notify me of this domestic wire transfer. i have no idea how this happened or who got access to my bank account and i asked the bank to cancel the wire transfer. 

the wire transfer went to some person located in another state and it was a domestic wire transfer.