23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt collector company name is Shermeta. I already set up monthly payments and finished my payments in XXXX and I just recently seen that this company has set up a wage garnishment at my workplace to take even more money from my job on a bi-weekly basis. I had no notification about this, no phone call. When I tried to clear this miscommunication, no one answered the phone and/or called me back. Now after I paid my full amount of the debt I owed, I don't see how charging me more from my workplace in such a sneaky way is fair. I now need to figure out how to dispute this extra {$200.00} dollars and hopefully I will be able to receive it back and stop these automatic payments from getting taken out. I have emails of proof of my payments and bank statements to prove it as well.
Product: Mortgage

Shellpoint has refused to explain in detail the fees incurred or added since they began servicing my loan. 

Shellpoint sent a letter dated XX/XX/XXXX indicating a negative balance of escrow in the amount of {$40000.00}, claiming for period XX/XX/XXXX to XX/XX/XXXX yet, they have not provided a breakdown by month and year and cost for escrow which totals the amount claimed. 

I have sent multiple request to Shellpoint requesting a breakdown and they just keep claiming the same and providing a loan history spreadsheet, yet there is no highlighted portion that explains the cost and total for the negative escrow balance. 

There is also a discrepancy on the total amount since Shellpoint sent another letter dated XX/XX/XXXX indicating that the negative escrow balance upon transfer was {$25000.00}. 

I have asked for the correct negative escrow balance and Shellpoint has refused to provide this information to date.
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to my previous dispute submitted to your agency on XX/XX/year>. I am deeply frustrated by the lack of resolution and your agency 's continuous failure to remove the unapproved hard inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I have contacted Equifax more than 5 times due to the Company reporting inaccurate information on my credit report They are reporting a XXXX XXXX XXXX  on my report that is not ONLY inaccurate but it also has several inconsistencies- The High Balance is Incorrect The Account is reporting as Charge Off - Yet it is reporting a balance which is INACCURATE reporting They are failing to provide me with proper documents to verify this account! They only responded in XXXX of 2021 stating the account is verified and they failed to respond to reinvestigation request! 

The account has tons of errors and they are not properly verifying nor honoring my right to dispute information on my credit file!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite 2 former CFPB complaints, XXXX XXXX continues to report incorrect information regarding a balance owed to them. 

I have attempted several times to contact XXXX XXXX at Discover. She declines to return my phone calls and will not respond to my letters. 

Discover is reporting to all credit agencies that I have a balance of {$6000.00} that is past due and was charged off. I dispute this amount. Discover card, only through a letter in response to my former XXXX complaint states that I owe a balance of {$3400.00}. I want to know why they are reporting that I owe a balance of {$6000.00}. In fact at one time in 2013, they were reporting that I owed a balance of {$360000.00}. 

I have contacted Discover and asked that they provide detailed information concerning the {$6000.00} balance that they continue to report. After 60 days I still have not received an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three bureaus have for years removed this fraudulent account from my report but continuing let this company place this same collection onto my report I dont understand Im positive they can see in there notes they have removed this account numerous times it comes back and always damage my score Im asking that the three bureaus remove XXXX  XXXX from all three reports and never let them place it back! It has been proving not to be mine
Product: Vehicle loan or lease

Per UCCC 3.301 ( 1 ). The financing bank was acting illegally. Regional acceptance corporation was only the assignee to a sales contract and therefore committed a crime by taking security in addition to the purchased automobile. XXXX XXXX XXXX v La Joie ( Okla ) 537 P2d i207, 86 ALR3d 309
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted a phone number because i wanted to get the first time home buyer grant they told me to call another number i did and they asked me for my id and ssn after that i received an email saying that they approved me for a home loan but nothing about the first time home buyer program they checked my credit score and my wife credit score without our  authorization we are allready qualified with a lender i dont understand why this people pulled my credit if we didnt ask for the we wanted to get the grant for the money for first time home buyer they lie to us so i want to make a complaint if you can contact me in XXXX will be great
Product: Credit card or prepaid card

Submit payment using method ive always used. Then next day get an email saying payment was not able to process and returned with a XXXX dollar fee. I tried contacting both my bank and Citi XXXX and they keep placing the blame on eachother and I get nowhere. I'm afraid this will drag on and my credit will get dinged for it. Citi customer service has been no help.
Product: Debt collection

Information showed up on my credit report. I had never received notification of the attempted collection. Called the company and they claimed they sent it but refused to provide proof. They had an old address. My current address is easy to find with a XXXX search. They had my phone number and email address and confirmed that they had not used either to contact me. This is an incorrect debt that I have disputed at least 3 times before. They refuse to remove from my credit report. 
I am sending them proof it was paid, however they will not let me know when the negative information will be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITACPT PORTFOLIO PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX DPT EDXXXX Are all negative accounts reporting on my file. They were not obtained by me.
Product: Mortgage

In XXXX, XXXX sent mail/emails informing ServiceMac taking over the management of the mortgage as of XX/XX/XXXX. The first mail/emails included the new mortgage services, ServiceMac, the new address, and later on the new account number. The mortgage payment of {$1200.00} was initiated through XXXX on XX/XX/XXXX and an ACH withdrawal was posted on XX/XX/XXXX, performed by ServiceMac. Two weeks later, emails/mails began arriving stating there was a nonpayment of the mortgage. Several calls/emails to Customer Support were made by me throughout XX/XX/XXXX, XXXX, XXXX, XXXX, the last of which for XXXX was on XX/XX/XXXX, the call lasting XXXX XXXX mins. It was during this call, an incident was submitted by the customer service individual. A call was received by a supervisor on XX/XX/XXXX where all information was provided ( again - multiple submissions on the calls throughout XXXX ). A payment of {$1200.00} was submitted directly to the supervisor and posted from my XXXX account via an ACH Withdrawal. She stated a customer advocate would be assigned to help find the missing {$1200.00}. This individual called on XX/XX/XXXX. During which all information again was supplied - including copies of the XXXX XXXX from XX/XX/XXXX. I have attached a copy of the XXXX account ACH Withdrawal which has already been sent to ServiceMac four times!! No response!!
Product: Credit reporting or other personal consumer reports

My husband I both had vehicles from XXXX XXXX They both broke down at the same time and at the time it was cheaper to fix my car so we did a voluntary repossession on my husbands truck. We took the truck back on XX/XX/XXXX. When they went to do the paperwork, they filed the paperwork for my car instead of my husbands truck. I told them the issue and they said they fixed it and it should not hit my credit. Two weeks later, my credit went down almost XXXX point and is showing a repossession on my car. I called and they said that it was not their fault and they would not fix the error.
Product: Debt collection

I was being harassed being sent an email about the alleged debt three times a week. A Cease and Desist was sent to CKS Prime Investments by email on XX/XX/2022 and a copy was sent through mail as well. I have received no further email or any response to my cease-and-desist letter from this company. I received an investigation result from XXXX dated XX/XX/2022 stating that the alleged account reported by CKS Prime Investments to be verified and accurate. This is a violation of FDCPA. Per 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
CKS Prime Investments had continued communication indirectly by reporting this alleged debt to the credit reporting agency XXXX. An investigation was done by XXXX and CKS Prime Investments violated my Cease-and-desist order by communicating through the credit reporting agency.
Product: Credit reporting or other personal consumer reports

The accounts listed on my credit report are incorrect and should not be there. You have included false information that is completely unfounded. This is not only unjust, but also concerning, as I have never participated in the activities you're accusing me of. Should you fail to investigate and rectify these errors, I will be forced to take legal action.
Product: Credit reporting or other personal consumer reports

TransUnion credit bureau has not updated my credit report since XX/XX/year>. Ive disputed inaccurate things on my credit report in XXXX and the disputes or still open and my credit report has not changed. There are accounts thats closed still reporting as open. The balance on some accounts are still havent been updated
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company several times on numerous occasions regarding this not accurate debt with no prevail. I am a victim of Covid-19, hurricane Ian and Michael and the creditor agreed to remove this negative account off of my credit report. The creditor does not provide information on how the debt is owed.
Product: Debt collection

MERCHANTS CREDIT {$190.00} and 441 Original Creditor XXXX XXXX XXXX Opened Date XX/XX/2019 Creditor Contact Details MERCHANTS CREDIT XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX
Product: Checking or savings account

On XXXX XXXX i was scammed from an online loan service called XXXX XXXXXXXX there location is in XXXX and XXXX but they said they did loans all over America long story short truist bank was supposed to investigate this fraud they had me create a new account and took my entire paycheck to cover the negative balance which was suppose to be under investigation they didnt give me any notices nor emails like I asked the company to
Product: Credit reporting, credit repair services, or other personal consumer reports

Some companies are reporting me as late and I don't know what's the most logical reason behind it so please look thoroughly at the documents as it contains what really happened.
Product: Student loan

Would like for disputed statuses to be deleted from credit report. On all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  mailed me a letter stating that I was preapproved for a credit card. I used the EASY TO ECCPET YOUR CARD METHOD by phone, I was told that my credit card would be mailed within 2weeks ; yet I was not told that this preapproved credit card would place an hard inquiry on my credit report, I did not authorize this inquiry nor did I have any knowledge that an inquiry would be placed on my credit report. On XX/XX/2019 XXXX XXXX XXXX placed an unauthorized inquiry on my credit report I called XXXX  XXXX XXXX to inform them that I was unaware that the acceptance of a preapproved credit card would place a inquiry on my credit report, asked that XXXX XXXX XXXX remove this unauthorized inquiry from my credit report and have not received any confirmation that the inquiry has been removed yet.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file. 

Items should be updated
Product: Mortgage

After my mother passed away in XX/XX/2018, I took over her mortgage with the bank XXXX XXXX XXXX XXXX. In a matter of a month later the bank sold the mortgage to SPS ( Select Portfolio Servicing ). At that time the monthly payment was {$950.00} insurance included. 2 to 3 months later the monthly jumped to {$1000.00} then {$1000.00}. 

When I called them they asked me for some type of identification which so far was normal a step. Things were going smooth until an expert asked for more proof without telling me what exactly he needs from me. I provided them all documentation I could find including the quit claim deed that was made with my mother 's name and mine but still it was not enough. every time I call I got a different answer until on employee told me that what i needed was a court order or a deed. 
I went to the court and filled an application for guardianship and/or a probate letter. 
It did not workout well because having no experience I made mistakes filling it. 
Then I took a lawyer who corrected my mistakes but at the end the judge dismissed the case because my sister death certificate made in XXXX was not their way or some sort. 
In the mean time SPS does what it wants I feel that I have no right to do anything while I keep paying the mortgage. 
In the middle of the COVID-19 pandemic they raised the monthly payment from {$1000.00} to {$1100.00}. 
I keep asking myself what next? 
I don't understand why the court is not helping us the little guys. They know who I am, they have all the data.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I reside at XXXX XXXX XXXX XXXX XXXX, Al XXXX for over 10 years. Never have I lived in XXXX XXXX. I believe this is fraud from a family member. Please see idenity theft report. Enclosed and my Alabama drivers license. Please remove XXXX / XXXX XXXX This is not my Debt!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  has violated my rights based on 15 USA 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 section 2 states a consumer reporting agency can not publish reporting or anything of that nature without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of buying a house and my credit report for equifax is blank now. I have a credit report service where I can see my report at any time and everything from all three bureaus are visible up until XX/XX/22, at that point equifax goes blank. Ive tried calling them four times already. Theyre telling me what I already know, I have no freezes or anything of that nature on the account. On XX/XX/22 is when I became aware of the problem when all my wife and I needed to get our house was for the mortgage company to pull up my credit, its only happening with me. My wifes credit came up from all three. Yesterday on XX/XX/22 I managed to contact equifax from a different number and the lady tried her best to help me this time, unlike the last three who sounded like I woke them up. I sent my license and answer a bunch of questions about bills and amounts that I have to prove it was me including a picture of my face along with my license. Im getting desperate because I dont want us to lose our house, I know the mortgage company wont wait forever or however long since the houses are going fast. At one point on equifax I got an error code nh and that lasted for about 24 hours and now I can log back into equifax but all of my information is still blank with straight lines and/or XXXX in everything category. This is as best I can describe it, thank you for any and all I can you all can provide for my family
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Date Updated : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$5300.00} XXXX XXXXXXXX Balance Owed : {$3600.00}
Product: Credit card or prepaid card

During XX/XX/2023 a Synchrony Bank Care Credit card account with a limit of {$4300.00} was created without my knowledge, approval or consent. The {$4300.00} was charged by XXXX XXXX XXXX in XXXX Arizona. It was brought to my attention by XXXX, XXXX and XXXX Credit bureaus due to delinquent payment notices from Synchrony Bank. When I contacted Synchrony Bank about the delinquent complaints, they notified me about the accounts existence. The account did not have the correct spelling of my name, it didn't have my address, phone number or email address. They transferred my call to the fraud department who asked me to file a police report and complete the fraudulent paperwork.
Product: Money transfer, virtual currency, or money service

I opened a Coinbase account on XX/XX/2021 and they were offering a {$5.00} bonus ( to be credited in Bitcoin ) for verified new accounts. I completed the steps and received confirmation emails from Coinbase, including the statement " Your ID has been verified Your {$5.00} Bitcoin reward is on its way. In the mean time, you can add a payment method and start investing. '' I did start investing and funded the account, initially with {$150.00} and have since added more, and purchased cryptocurrencies on the platform. Coinbase has not delivered the promised bonus.

I contacted Coinbase support and received a series of redundant, " templated '' messages, that say : " As previously mentioned to you, here are some possible reasons you didn't receive your {$5.00} in BTC : -You need to complete full ID verification. Go to https : //www.coinbase.com/settings/account-levels and make sure youve achieved the top level of verification ( all green checkmarks ) -Your account didn't meet our compliance-related criteria ( duplicate and fake accounts are ineligible for this reward ) Once you meet the requirements above, you should be eligible to receive BTC rewards. '' I have confirmed that all three levels of my account verification show as completed ( all green checkmarks ) and this is the only Coinbase account I have ever even attempted to open ; it isn't a duplicate or anything of that nature. I've replied with that information to Coinbase and asked that they advise what about my account might not be meeting their criteria so we can get it sorted out, but I simply get these canned responses back with no actual information and, it seems, no one actually looking into it.

The same offer is still running and other users are complaining about this and other types of bonuses being offered by Coinbase but not delivered ( for example, XXXX XXXX XXXX and XXXX XXXX XXXX ). 

I realize that {$5.00} ( or about {$6.00} in value from XX/XX/XXXX to today due to the rising price of Bitcoin ) isn't a large amount and am more concerned that Coinbase seems to be scamming many customers, perhaps millions, by offering bonuses and not consistently paying them. At best, they appear to be hiding behind their own buggy AI system as if they do not have control or responsibility for it, all the while continuing to promise the bonus even while it's not being paid to many people who qualify. 

Thank you for looking into this issue of false advertising and fulfillment of bonuses promised by this financial platform, on behalf of all the users being scammed by it.
Product: Money transfer, virtual currency, or money service

I attempted to cash a check issued by my own XXXX XXXX XXXX XXXX XXXX a check for the amount of {$36.00}. 

The check was issued from my XXXXXXXX XXXX  account ending in XXXX, and was issued on XX/XX/year> -- and bears the check number # XXXX. 

Ingo Money -- a check cashing service that is used by a great majority of the online banks -- has seemingly suspended my account due to what it looks like they're describing as 'irregularities. ' This has happened before and was resolved by a previous Consumer Financial Protection Bureau complaint/ticket. The complaint ID on that case was : XXXX Ingo Money suspending my account -- and other people 's accounts -- for legitimate checks -- causes significant handicaps to people 's ability to access banking services. 

I am requesting once again that the CFPB intervene to restore access to Ingo Money 's check cashing services. 

I will atttach supporting doocumentation indicating the validity of the check and it's funding source.
Product: Mortgage

{$5000.00} Forgiveable Silent Loan. I was suppose to receive the {$5000.00} refund after living at this address for 10 years ( lived here since XX/XX/XXXX. ) I was instructed to pay off the silent loan so I could refinance with a different mortgage company. The balance of the Silent Loan was paid in full by me on XX/XX/XXXX. 

Original FHA loan was with XXXX. 
XXXX sold the loan to Midland Mortgage Company The remaining of the Silent loan was submitted to Midland on XX/XX/XXXX. XXXX later folded ( out of business ). I am unable to contact Midland Mortgage Company as I am not an active Mortgage holder with that company. 

I was informed by Consumer.gov/complaint that Midland is responsible for repaying me. 

Original loan date was XX/XX/XXXX with XXXX.
Product: Vehicle loan or lease

I have auto loan with Wells Fargo and I alway do my payment on time ( 2 days early of that I have to pay ). I was looking on my statements and for interest they are charging me different amounts and payments same different amounts. every month is different amounts of interest and payment for the auto loan.