23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I friended a woman on XXXX  who introduced me to a trading platform called Paxful ( Paxful Plus ). I transferred a small amount of money there initially in XXXX I believe ( {$5000.00} I think ) and started options trading with the direction of her. I was making decent returns, so I invested more and more. All tolled, it was about {$51000.00}. My profits continued to grow and grow. My current balance is about {$290000.00}. I went to withdraw my funds and was told I needed to pay a withdraw fee of 16 %. At the time that was {$39000.00}, which I sent to a third party company in CA, which I can provide later. After a failed attempt to get my money out via XXXX I told them I wanted it to be transferred in USDT. They said there is an additional 7 % fee for that. I was irate and pushed back. They wouldn't budge. I said ok, then I only want to withdraw {$160000.00} and so the {$39000.00} withdraw fee I've already paid will cover the 23 % withdraw fee. They wouldn't allow it and said all funds must be withdrawn. And basically that's where we are now. 

I have a cell phone number for the woman, but we have almost exclusively communicated over XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.

Otherwise, anyone paying for your services could fax, mail or email in fraudulent accounts. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of information/accounts. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed on my Equifax and XXXX Credit Report. 
I demand that the following accounts be validated or DELETED from both my Equifax and XXXX credit report immediately : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

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

Experian is no better than a closed down business. No person answers the phone, returns phone calls, etc. There is no one to communicate with concerning my credit freeze with Experian.
Product: Student loan

Our Parent Plus Loans are serviced thru Navient Student Loan Center. I should be eligible for a 6 month payment waiver as of XXXX XXXX for making all payments on time. I contacted Navient for this benefit, and was told I did not qualify as in XXXX of XXXX a payment was not made? I told them that at that time a payment was not due as the loans were paid ahead. I had been paying {$450.00} - {$500.00} per month on the normal {$310.00} payment for several months. I thought everything was ok, until now when requesting the payment waiver. They are saying I am not eligible, a supervisor looked at it, and that was only a promotion and is no longer available, The thing that frustrates me is I was never told this, plus in XXXX XXXX I was told not to pay the loans ahead or they would not be eligible as they would payoff early. I switched the loan payments from {$350.00} back to {$310.00} as you can see on the payment history. Please help me understand how my loans paid ahead were delinquent and ineligible. Thanks for looking into this.
Product: Money transfer, virtual currency, or money service

Approximately 4 months ago XXXX/XXXX/2021 I changed my phone number and have attempted to have Affirm Inc. changed the phone number for my account in their database. Per their request I have sent photos/copies multiple times of my driver 's license and sent a photo of myself so that the phone number change can be implemented. 

Thus far Affirm Inc. has rejected my my identification submissions and now have advised me that they are not changing my phone number on record because their records indicate that former Affirm Inc. customers have used my same new phone number in the past. As a result of Affirm Inc 's refusal to change my phone number on record, I can not log into my account and view my monthly statements for accuracy, make payments on line or verify my charges or interest rate. In addition, Affirm Inc. is not sending me any paper copies of my monthly statements.
Product: Debt collection

I am writing to you with utter contempt and fury upon discovering a fraudulent account on my credit report. It has come to my attention that an account that I have absolutely no involvement with has been inaccurately added to my credit history. This egregious error has not only besmirched my financial integrity but has also placed an unjust burden upon me to rectify this situation. XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance Owed : {$0.00} Collection : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I, XXXX XXXX XXXX am lodging this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and its relevant provisions, concerning discrepancies in the reporting of late payments for my XXXX XXXX XXXX XXXX card across multiple credit reporting agencies. 

Upon reviewing my XXXX credit report, dated XX/XX/XXXX, it has come to my attention that XXXX payments for my XXXX XXXX XXXX XXXX card account were reported as XXXX days late. Conversely, my Equifax report, dated XX/XX/XXXX, asserts that the account is current, with no late payments. Furthermore, my XXXX report indicates a single late payment without specifying the precise duration past due. 

This inconsistent reporting is in direct contravention of the FCRA, particularly Section XXXX, which mandates the accuracy of information within consumer credit reports. Moreover, Section XXXX  imposes a duty upon furnishers of credit information, such as XXXX XXXX XXXX, to provide accurate and complete data to credit reporting agencies. 

The aforementioned discrepancies have resulted in material adverse effects on my credit score and financial integrity. As such, I implore the Consumer Financial Protection Bureau to initiate a comprehensive investigation into this matter XXXX, in accordance with Section XXXX of the FCRA, which stipulates the timely investigation of disputes and the duty to correct or delete inaccurate information. 

In light of the foregoing, I respectfully request the Consumer Financial Protection Bureau to take expedient remedial action to rectify the inaccuracies present in the credit reporting provided by XXXX, Equifax, and XXXX regarding my XXXX XXXX XXXX XXXX card account. 


Thank you for your attention to this matter. I anticipate a prompt resolution to this issue.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I'm writing to demand a complete escrow account audit from Shellpoint Mortgage Servicing. 
This audit is concerning a title issue on my property. It has been an ongoing since XXXX. 
The mortgage in question would have been paid off in XX/XX/XXXX but the loan servers could not release the mortgage and note Stamped paid in full. 

On XX/XX/XXXX I sent a certified letter to XXXX regarding my attempt to make a complete payoff on XX/XX/XXXX. 

They couldnt release the mortgage. 
Instead of correcting the title issue, they sold something they could not correct to another servicing company. 

Please see letter dated XX/XX/XXXX from XXXX XXXX. ( Exhibit A ) concerning corrective assignment of mortgage. 

Please see attached loan statement from XXXX XXXX dated XX/XX/XXXX. ( Exhibit B ) Interest in the amount of {$90000.00}, deferred late fees, {$2700.00}. XXXX paid expenses {$800.00} escrow advances {$7900.00}. 
county recording fees {$41.00} I am demanding Shellpoint to show me what was recorded for {$41.00}. 

See Shellpoint mortgage statement dated XX/XX/XXXX. Current escrow balance - {$15000.00}. 
county tax bill XXXX for {$1500.00} ( Exhibit C ) I paid my county land tax bill for 30 years. 
Why did they pay it? 
I want a complete audit on all county land tax payments made by Shellpoint mortgage servicing from XX/XX/XXXX to XX/XX/XXXX. 

Shellpoint sent me certified mail dated XX/XX/XXXX with a note with only XXXX endorsements. ( Exhibit D ) These are our requests, 1. I am demanding Shellpoint to show me what recording fee of {$41.00} was for. 
2. I am asking CFPB to have Shellpoint itemize completely the previous server, XXXX XXXX escrow fees, and interest fees. 
3. I am asking CFPB do you have Shellpoint itemize {$15000.00} escrow fees and all XXXX XXXX land tax bill from XX/XX/XXXX to XX/XX/XXXX XXXX. I want the consumer financial protection bureau to have Shellpoint explain the certified mail they sent me dated XX/XX/XXXX with the note that could not be paid off XX/XX/XXXX. 

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

On XX/XX/2019 I sent all three credit bureaus Transunion/XXXX/XXXX certified documents in regards to my credit file. On my credit file its reflecting 10 late payments on my XXXX XXXX XXXX which is not correction ; It should only reflect 2 late payments ; in addition its reflecting 2 late payments for my XXXX 's accounts and Personal Loan which is not correction ; these account were NEVER paid late. I am disputing all inquires on my credit files I have requested on numerous of occasion for all three credit bureaus to provide full documentation regarding the circumstance surrounding my release of my credit file ; pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I provided the dates fro all 5 inquires from TransunionXXXX/XXXX. I requested if they were unable to provide such documentation you are obligated to removed the offending inquiring at once ; which is damaging my credit rating. I have sent 3 certified letters and 3 regular letter without certification. I have been having this issue to the late 3months with no response.
Product: Money transfer, virtual currency, or money service

BMO Harris bank told me, in writing, that the next business day after my deposit on the XXXX of XXXX I would have XXXX dollars of my XXXX deposit. The next day that was a lie, there were no funds. I called and asked why at time were no funds showing. They told me fraud department had put a hold on it and it would be available on XX/XX/XXXX. I called today and they still will not release my money. I call the issuer of check and they informed me that the check had already been cashed in and the funds were with XXXX XXXX. They are stealing from me and putting my family at risk of losing our home for a fraud hold that there is no risk of fraud they already have the money. They are liars and refuse to give me my money. Then I was told that i can not close my account when the funds are available. These are my funds they are trying to steal from me and Im sure its based on discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my SWISS COLONY / XXXX XXXX account with all 3 credit agencies due to inaccurate information on XX/XX/XXXX. 

While I was late XXXX - XX/XX/XXXX ; due to a medical emergency and then again for the month of XX/XX/XXXX because XXXX  did not forward the last bill when we moved in XX/XX/XXXX, I didn't receive a bill, I did pay it off when I received the final bill. 

In XX/XX/XXXX, when my husband and I applied for a mortgage, they informed me of the situation and told me if we could get approved ; it would raise my rates by a full point and we would not be eligible for some loan programs due to the issues with my credit reporting through XXXX. 

They also reported I was late XXXX - XX/XX/XXXX ; yet there was no balance during any of XXXX and I did not use the account until XX/XX/XXXX when they offered to increase my credit limit to {$1700.00}. 

When I disputed the account to XXXX on XX/XX/XXXX ; they investigated and deleted the account fully, but kept the incorrect late payments on my credit report, thus lowering my credit utilization by {$1700.00} and score by XXXX points on XX/XX/XXXX. 

We were relocating to XXXX from XXXX due to health issues in XX/XX/XXXX ; so I did not keep a close eye on my credit because we had already worked on it and gotten it above XXXX that was needed and we knew it would only go up as we paid our car loan off with no new bills. 

On XX/XX/XXXX we applied for a mortgage in XXXX  and were sent our credit reports and spoke to several mortgage companies that appraised of the situation with the incorrect credit reporting being on our report ; so I disputed the account again and filed a complaint with the CFPB.
Product: Credit card

I have the HSBC Premier World MasterCard that has the HSBC Premier Rewards Program that states that I am supposed to receive XXXX point for every net dollar that I purchase with the credit card. However, the program is not correctly counting the points on my account and this is not the first time that I have noticed and complained about this problem. 2 years ago I had the same problem, I contacted the HSBC Premier Customer Service and they were able to fix the problem and correct my points balance, however, this time, I have contacted the same Customer Service and they keep saying that the balance is updated but it is impossible that this information is true and this is why : - My points balance on XX/XX/XXXX was XXXX points. 
- In the period of XX/XX/XXXX-XX/XX/XXXX I had a total of USDXXXX in new purchases which means that I should receive XXXX new points. 
- However, as of XX/XX/XXXX my points balance is XXXX points and I have n't used any points since XX/XX/XXXX, which means that in the period of XX/XX/XXXX I have only accrued XXXX new points. 
- If I was supposed to receive XXXX point for every net dollar in new purchases and in the period of XX/XX/XXXX-XX/XX/XXXX I should have received XXXX new points based on my new purchases for the same period and I have only received XXXX points, this means that I am MISSING A TOTAL OF XXXX POINTS ON MY BALANCE POINTS. 

I have contacted the HSBC Premier Customer Service by email, which they never responded and I have contacted them by phone, and after 1 hour long of waiting, they still have n't acknowledge the problem or even given me an explanation for why I am missing XXXX points. 

This is not my first problem with HSBC Premier and it seems like that every time that there is something wrong with my account or any product that I have with this bank, I have to always find an outside source to be able to help me resolve any issue with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used a platform called XXXX XXXX XXXX to help settle my account with XXXX XXXX XXXX. Instead of sending a counteroffer, the company used their law firm, Stenger & Stenger, to sue me for the money owed.
Product: Credit card or prepaid card

In the XXXX XXXX time frame, a U.S.-based major financial institution erroneously reported to one or more bureaus that I was dead. 

In XXXX and XXXX XXXX, I repeatedly called this bank 's revolving credit servicing center to object to this instance of credit reporting, and to question the account closing on that basis. 

A late charge was waived ; but in every phone call during XXXX and XXXX XXXX, the creditor continued to deal with me via the calling queue for decedent affairs. 

[ The same false instantiation of bureau reporting ( " XXXX '' ) also states : " Never late. '' ] The fact of this report appearing in the public sphere has caused eight months of financial adversity ( unemployment/underemployment, due to background checks asserting " candidate is XXXX '' ).
Product: Checking or savings account

My account was frozen and Suncoast credit union in XXXX Florida did not advise me at all about this. I had to make a phone call and find out it was about identity theft. 

Since I am currently out of the state I could not go in person to resolve this issue. I am planning an out of pocket expense trip back to Florida to try to resolve this issue in the branch. 

My time and money are both taken away from me for having to travel back and the bank did not even inform me of identity theft, they just froze the account.

It may look like the right thing but it was not because they left me out of state with no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Contacted via text. Tried calling back not valid... XXXX. No other means of communication orbidrhtitu concerning alleged debt- in violation of fair debt reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo # XXXX is reporting a late I do not owe. My account is on auto payment and I know it was paid that month. This late is added in error and is inaccurate and should not be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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