23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter dated XX/XX/XXXX from my previous mortgage servicer, XXXX XXXX XXXX XXXX, stating that the servicing of my loan was being transferred to Shellpoint Mortgage Servicing effective with my XX/XX/XXXX payment. The letter stated that Shellpoint " will be responsible for such things as paying your property taxes. '' I never received a welcome email, phone call, or letter from Shellpoint. On XX/XX/XXXX, I called Shellpoint inquiring about how to pay my mortgage payment due XX/XX/XXXX. I was told that my mortgage was just entered into Shellpoint 's system that day ( even though I was notified about the mortgage being transferred to Shellpoint a month earlier ) and all the information about my mortgage was not yet available in the system. I called Shellpoint a week later, on XX/XX/XXXX, to confirm that Shellpoint was paying or had paid my quarterly property tax, due XX/XX/XXXX. I was told that they were not paying the property tax, and I had to email them a copy of my property tax bill, which I did on XX/XX/XXXX. I received confirmation of receipt of my email and property tax bill on XX/XX/XXXX ; the email stated " Your documents have been received and forwarded for processing. '' I called Shellpoint again on XX/XX/XXXX to confirm that my property tax bill was being paid, as it was now a week overdue. I was told the tax bill was with a 3rd party to be paid and any late payment penalties would be charged to that 3rd party. The customer service representative could not give me a timeframe as to when the property tax bill would be paid, and advised me to keep calling back to check on it. I called Shellpoint yet again, a week later, on XX/XX/XXXX, and was told the same thing - that the tax bill was with a 3rd party to be paid, they could not give me a timeframe as to when the property tax bill would be paid, and advised me to keep calling back to check on it. This is absolutely unacceptable and certainly not how I run my household, nor would I run a business like this. If a bill is overdue, it should be paid ASAP. My property tax bill is now 15 days overdue, and I am requesting that it be paid by Shellpoint, using the funds in my escrow account, ASAP. I am very unimpressed with Shellpoint Mortgage Servicing.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I upgraded my XXXX  through the XXXX XXXX XXXX offered by XXXX XXXX  a few times over the past year. It is my experience that opening a new XXXX XXXX XXXX loan would result in a soft credit inquiry, which provides XXXX XXXX  access to my credit report information, but such inquiry is not visible to any other creditors, and would not have any impact on my credit score. I have also been advised by a representative of XXXX XXXX  that when upgrading an XXXX already part of the XXXX XXXX XXXX, a credit check is not performed at all ( no soft or hard credit inquiries ) as it is considered a renewal of the loan based on credit already extended using previously acquired credit information. Unfortunately, during the upgrades on XX/XX/XXXX and XX/XX/XXXX, a hard inquiry was placed on my Equifax credit report, causing an impact to my credit score. Im requesting such inquiries be removed from my Equifax credit report ( and other credit bureaus if any were affected. )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$950.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} NCB ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$950.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

MY NAME IS XXXX XXXX THE HEIR TO MY DECEASED MOTHERS PROPERTY AT XXXX XXXX XXXX XXXX CALIFORNIA XXXX. 

PHH CURRENTLY HOLDS THE MORTGAGE BUT I HAVE A LOAN THATS BEEN CLOSED FIRST PAYMENT IS IN XXXX. THEY SENT THE PAYOFF TO THE OMPANY THAT I HAVE A LOAN WITH. THE COMPANY HAS PAID THEM THE MONEY AND EXTRA..THEY HAVE THERE ACCOUNT NUMBER WHERE THE FUNDS WENT TOTHEY ARE HOLD ON TO THIS CHECK BECAUSE THEY SENT THE WRONG PAYOFF..XXXX  XXXX XXXX XXXXXXXX ( TITLE COMPANY ) TRIED TO FIND OUT WHAT THE AMOUNT WAS OWED NEVER REALLY GOT IT CLEAR BUT BETWEEN $ XXXX THEY HUNG UP ON US VERY NASTY I XXXX XXXXXXXX XXXX HAVE A XXXX NEXT MONTH WITH XXXX XXXX AND PHH IS HOLDING THE FUNDS. AND HAVE THIS HOUSE STLL IN XXXX.. 
AUCTION DATE IS XX/XX/22 THIS IS RIDICULOUSTHERE IS ALOT MORE THATS GOING ON.THERE HOLDING THE CHECK I HAVE REALTOR., LENDER AND TITLE COMPANY, ALONG WITH THE LIES AND DOCUMENTS WE ALL HAVE! I NEED HELP HELP HELP PLEASE HELP ME PLEASE!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company appears to be a debt collector and has 2 entries on my credit report with all 3 credit agencies ( transunion, XXXX and XXXX ). 
1 ) a contract does not exist between XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
2 ) if the company disputes, they must provide a contract with my wet ink signature to prove a relationship exists. 
3 ) if no proven contract exist then both entries on my credit reports must be removed immediately. 
4 ) this is causing damage and constitutes identity theft because XXXX XXXX XXXX, Inc.has never been authorized to act on my behalf through any power of attorney. 
5 ) Attached is a formal legal/lawful notice that XXXX XXXX XXXX XXXX XXXX. is in breach of copyright. Remove all data from the credit reporting agencies immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements sunder the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial los, and I seek appropriate redress for these violations
Product: Credit reporting

I have two items on my credit report with Equifax that I attempted to dispute in XXXX. I never received any notification on the status of this dispute. Today I called and was transferred to 3 different representatives and received absolutely no information on the status for the resolution of this dispute. Ask them what evidence or information they had to provide me with an order to show that this was my account or my claim and they can not find me with anything I 'd like to make a complaint against Equifax as I do not have any justification as to why this is on my credit bureau. These items are not appear on my XXXX credit report and this is negatively affecting me.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

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

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

15 U.S.C 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 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX XXXX Balance Owed : {$890.00} ; XXXX XXXX XXXX XXXX Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ( XXXX in bankruptcy ) ; XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016
Product: Debt collection

There is a derogatory remark on my credit report stating I owe {$120.00}. I fo not recognize this charge, and my credit record has been impacted by this collection without the benefit of being contacted.
Product: Credit reporting or other personal consumer reports

I would like to get XXXX XXXX  acct # XXXX XXXX  XXXX acct # XXXX XXXX  XXXX acct # XXXX XXXX  XXXX XXXX  acct # XXXXXXXX XXXX XXXX  acct # XXXX late payment markings since each late payment marks are inaccurate each credit bureau based of months. on Transunion it's reported i was late XX/XX/XXXX, XXXX and XX/XX/XXXX however it is not accurate. 
XXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX bank acct # XXXX
Product: Vehicle loan or lease

I recently have been placed on XXXX from my current employer due to a XXXX XXXX I sustained from an accident in which I wasnt at fault. My company doesnt allow light duty so Im unable to work. I contacted Flagship credit acceptance in advance to give them notice that I have a lost of income. The representative i spoke to informed me that I can be placed on loan modification and I would just would have to do a verbal acknowledgement of the terms in the conditions form over the phone. Upon completing this process she indicated that someone from the company will call and email me to finalize the process within 48 hours. I received no phone call for about 4 days or email indicating what the next steps would be. I then contacted flagship to follow up with them it was then that they informed me that Im not elidlgible for the modification and suggested that I ask a family member for the full balance. I let them know that I wouldnt be able to do that and I just need help until I get everything figured out because I still have rent to pay.The rep told me that they are not a mortgage company they work for flagship. I asks for a supervisor to call me and i have not received that call. They continue to call me from different numbers and unknown phone numbers even after i gave them a date that I would follow up and the rep indicated that they would put it in the system. All the reps have been harsh. There was even gap insurance placed on my contract that i didnt authorize from the dealership. I feel like Im being robbed and the balance is never going to go down. I feel like my balance is also inaccurate.
Product: Debt collection

from XXXX  related to XXXX and XXXX exchange service their phone : XXXX illegaly and wrongfully withheld XXXX from my SS check and have no other income source. 
Crime : Stolen identity or terrible errors in billing XXXX is the bill collector for XXXX and XXXX XXXX XXXX a gov. related busisness. ( XXXX ) Thank you so much ; A bill collector named XXXX, with XXXX XXXX and successfully garnished my Social Security, without even notifying me they would do so. I outlined for them a three page document pledging the statements to be true that it would be impossible for me to have order and not pay for items they claim i ordered but did not pay for. I appealed to them to show that I ordered such items ; they could not provide any documents to prove I had ordered ten items. They, then threatened to garnish my SS which they did on the tenth of XXXX of this week! I sent to them two and a half weeks prior to their garnishment explaining my reasons why I had not even ordered these ten items totaling about XXXX! They did not respond in any way to my emails and phone calls but just removed XXXX from my monthly check! They claim that I ordered these items, but I did not. They sent me some impossible to read pictures of items having arrived to my front deck of my house. But those items were delivered in XXXX and XXXX, but they did not send me any bill for these items until XXXX, and it was only an obscure e mail. 
No business letters never arrived until XXXX, and when it arrived it did not look like business bill! Therefore, I did not take it seriously. About mid XXXX I got a letter from the treasure department warning me of my un paid bill. It was a bill for XXXX. I knew I had never bought anything from XXXX and XXXX XXXX, so I thought it was a mistake. 
By XXXX They finally sent me another letter, then warning me that they could have my SS income garnished. At that time I phone them and they told me they would phone me back to explain their action. They never phone me. Finally after repeated pleas on my part to explain my innocence of these charges. 
XXXX never answered how would it ever have been possible for me to have them send items to me without my paying for these items in advance, i.e. a charge card or check. ( I do not use charge cards at all, and do not write checks. ) I asked them repeatedly, why would they send me items they charged me for, that I had never ordered? Further, why would they send me anything if I had no charge account with them. ( I had no charge account with them. ) Even if I had a charge account, which I did not, I could not charge more than XXXX dollars and they claim I had a XXXX bill! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to credit reporting act 15 USC 1681 section 602a states theres a need to make sure that consumer reporting agencies demonstrate their grave responsibilities with impartiality fairness and respect for consumer right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the consumer. I have the right by law to make sure my private information is not shared, which is backed by 15 USC 1681, Therefore, it states its the policy of congress that each financial institution has an affirmative and continual obligation to report the privacy of Its consumers and to protect the security and the confidentiality of those consumers non-public personal information, ( furnisher of information to credit agencies. ) Which is a financial institution under that title.

15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer report agency may furnish a consumer report under the following circumstances and no other : according with written instructions of the consumer to which it relates. ( Furnisher of information to credit agencies ) The financial institutions and the consumer reporting agencies XXXX, XXXX, and XXXX XXXX does not have my consent to furnish this information and they surely never had my written consent. All and any consent to XXXX, XXXX, and XXXX, ( furnish of Information to credit agencies ) whether it be written, verbal, non-verbal, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states that, A financial institution does not disclose nonpublic personal information to a nonaffiliated third party, unless the consumer is given an explanation of how the consumer may exercise that nondisclosure option, Furnisher of information to credit agencies ) Never inform me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agencies 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.

Therefore, these accounts are adverse items they are reporting again without my permission, which is against the law according to 15 USC code 1682 s-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.15 U.S Code 1681c states, consumer reporting agency shall maintain reasonable procedures designed to avoid violation of Section 1681c of this title and the limit the furnishing of consumer reports to the purpose listed under Section 1681b of this title, XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR states, a consumer may exercise the right to opt-out at any time.
Product: Credit card or prepaid card

Hello, I have caught BOA charging my & my wife 's credit card for " XXXX XXXX on Purchases '' while there must be no charge at all. This is not a coincidence & this happens with a regular pattern. BOA steals from its customers! What a shame! 
When I call BOA they have nothing to say & just apologize. This is huge fraud by a bank that is FDIC insured. There are millions of innocent citizens are charged interest that they do not have to pay. Many of these innocent people do not understand the XXXX & related financial calculation & this evil XXXX gets away from this fraud. 
I have XXXX XXXX in XXXX & I'm preparing for XXXX exam that's why I have the knowledge to catch these thieves.
Product: Checking or savings account

my name is XXXX my cell is XXXX my email is XXXX, i am a XXXX XXXX XXXX, on XX/XX/2020 i recieved an sba ppp loan for XXXX $ i have my business in my suntrust business account, suntrust recieved the wire from sba and cleared the funds, they then froze my bank account on XX/XX/XXXX with 0 warning or explanation? they lied too me numerous times saying they would release my funds? they havent, i hired an attorney, XXXX XXXX XXXX we have been dealing with the suntrust parasites for 67 days now, they have hurt me, my business, my employees and my family by holding up funds that were needed for my business that has been decimated due to pandemic, sba said they cant freeze my funds, and called suntrust ceo XXXX pure evil, my attorney and i have sent demand letters, made complaints with sba, irs, banking commission, federal reserve and attorney general and have gone too multiple media outlets including XXXX, and XXXX, they have my funds, they are making money off the interest and are destroying my business and my life, please help me immediately, my attorney and i have done everything possible, please help me, thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a new home owner for 3 months and it still doesnt reflect on my Credit Report. Transition is always the lowest score across the board..why when same information reflects on the other 2 reports by XXXX and XXXX?
Product: Credit reporting or other personal consumer reports

FIRST PROGRESS IS REPORTING A COLLECTION ACCOUNT ON MY CREDIT REPORTS. 
IM UNAWARE OF THIS DEBT, I DID NOT HAVE THE OPPORTUNITY TO ADDRESS THIS INFORMATION. 
IF IN FACT YOU BELIEVE YOU GAVE ME PROPER NOTIFICATION, THEN PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY SIGNATURE ON IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Can not access Transunion reports, file a freeze, or use any of online tools they offer. Have called multiple times been transfered back and forth. Some tell me I have multiple files some tell me there is nothing wrong. I am getting no where with them
Product: Consumer Loan

I was just alerted that my account was closed without my discretion. My credit score dropped XXXX points due to care credit closing my account because I did n't use approved funds quick enough. I requested a copy of there disclosure as well. I will have an attorney review this matter as well. How is it legal to approve a person then close the account due to inactivity on it? That can not be legal! I should have some type of say so. It clearly states on their website that once your approved their is no expiration to use funds.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due inadequate Customer Service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective to prevent and address fraud on their platform, leaving my account viable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electric Fund Transaction Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX Company Inquiries XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting or other personal consumer reports

Earlier today, I found some inaccurate accounts listed on my credit report, and I don't understand why. I review my credit report regularly, but this time, I spotted some inconsistencies that weren't there before. I refreshed my browser to check if it was an error, but the inaccurate accounts persisted. Therefore, I request a thorough review of the documents I've provided to ensure that I don't have to deal with this concern again.