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

On XX/XX/XXXX, I ordered an XXXX video game system from XXXX using the XXXX XXXX XXXX XXXX XXXX, which is a payment plan where you pay a monthly fee over 2 years to pay off the XXXX and get access to their subscription service ( it's like a phone plan ). I received the XXXX, but it stopped working within a few days. XXXX had no replacements available so I had to return it. I mailed the device back on XX/XX/XXXX, which was confirmed by XXXX. On XX/XX/XXXX, I received an e-mail asking from XXXX XXXX ( which administers the XXXX XXXX XXXX ) asking for payment. I called them and explained the account was cancelled, and sent them documentation vial e-mail on XX/XX/XXXX. On XX/XX/XXXX, I received a statement showing no balance was due. 

On XX/XX/XXXX, I received alerts from my credit card companies that my credit score had declined significantly. I checked online and saw that XXXX and Transunion said that I had a delinquent account from XXXX XXXX XXXX, reported in XX/XX/XXXX ; I checked the details, and it doesn't indicate any amount due and doesn't say missed payments or anything like that. I filed disputes with Transunion and XXXX, but I have not heard anything. I've been trying to call XXXX XXXX XXXX, but the people I've talked to don't know how to fix this. My credit score has gone down by XXXX points for literally no reason!
Product: Money transfer, virtual currency, or money service

I would like a refund for all transaction I reported.
Product: Credit card or prepaid card

I obtained two {$100.00} rebate card from Citibank for a purchases made from XXXX on XX/XX/XXXX. In XX/XX/XXXX I attempted to use them to make a purchase to find they had both expired. I called the  customer service line to get them reissued and was told that was not possible. In essence Citibank stole {$200.00} from me ( and possibly many other people ) behind this quick expiration scam, knowing full well and counting on the fact many people would wait too long to cash in.
Product: Debt collection

Cavalry and their law firm XXXX XXXX XXXX have been using false representations trying to collect a debt from me without any evidence that the debt is mine and that they own the debt. 

Among other wrongs, they have used a false credit card agreement to verify the debt and to file the lawsuit. The real credit card agreement for the alleged account, which can be obtained from the supposed original creditor XXXX or from the CFPB database, is markedly different from the credit agreement they have been attempting to collect with. This is in violation of the FDCPA. 

Again, they filed a lawsuit against me 3 days after the statute of limitations had expired, according to the last payment dates on the credit card statements they provided in debt validation and in court. And in order to trick the court into getting a judgement against me, they submitted a random computer printout where the date of last payment was changed to be the very last day of the statute of limitations so it looks like they filed the lawsuit just in time. They tried to use the court to collect a debt using evidence that had two different dates of last payments with no explanations for the  inconsistencies. 

Again, the amount they claim is owed on the debt and reported to the credit bureaus is different from the amounts on the alleged credit card statements they provided as validation and in court. So yes theyre validating and trying to collect a debt using documents that show two different amounts owed with no explanation. 

Again, they are attempting to collect a debt using an affidavit which contains a notary signature that appears to be forged. The signature appears as a pixelated image, in stark contrast to the other signatures and marks on rest of the document. This is not an artifact of photocopying, and is consistent with digital forgery. 

When I pointed out to them that I do not owe the debt and showed up to trial ready to put an end to it, they non-suited without prejudice, so as to avoid getting a judgement against them, so that they can keep tarnishing my credit reports with the hopes that I will one day send them money. 

Theyve had nothing to say about all these violations and lack of evidence that the debt is mine and have refused to take this off my credit report. 

Cavalry and their attorneys have committed multiple violations of debt collection and common laws and have refused to stop collection and remove this debt from my credit reports.
Product: Mortgage

On XX/XX/, I requested a payment off amount for the Heloc account as was given an old balance amount from 11 months ago. All payments paid have not been applied and, therefore, still showing a balance from a year ago. 

Because this company has decided not to send out a monthly statement to keep the account holder abreast of balance, interest rate, and/or payments. I am left to no idea what is occuring with the account other than I am sending in payments.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

A few weeks ago, I was purchasing a product on XXXX, but as soon as I tried to put my card through, there was a problem with the merchant. I finally realized the merchant was not credible, and backed out of the transaction. I called Citi and we went through what we thought was a 'fraudulent transaction '. They gathered all of the information and I was issued a new credit card in the mail. The old one was destroyed. So it was caught in time. Now, Citibank Double Cash MC is sending me an 'Investigation ' inquiry as part of a dispute, which means I may be liable for the purchases. I do not understand why they do not recognize the difference between a " Dispute '' and a " Fraud '' transaction. There is no dispute here. The merchant is not credible and the transaction was not completed. Still, Citi takes XXXX billing cycles to investigate. I have so many questions surrounding this. Why am I being targeted for the crime? Secondly, a " XXXX '' ( positively terrible ) in Customer Service was no help whatsoever. I would like to understand how Citi differentiates between fraud and a dispute, and why I'm being investigated when I did nothing wrong? This letter is a fraud in and of itself because it is NOT a dispute with the merchant, but it's obvious Citi doesn't conduct background checks on its merchants, and that IS a problem for the consumer. So who is at fault here? I would like to know what to do with this letter, and what is going on. Or we will need to resolve this in court. There is no dispute. It was a fraudulent transaction by a major financial firm who did not do the appropriate background checks before issuing the use of their credit cards for merchant sale. This is a case closed. I have the new credit card and it was a transaction of fraud That's the bottom line.
Product: Credit reporting or other personal consumer reports

I have been enrolled in automatic monthly loan payments of {$250.00}. However, due to my XXXX XXXX XXXX XXXX XXXXXXXX and my job as a XXXX XXXX assistant, I missed several payments. To rectify this, I contacted XXXX XXXX to arrange a payment plan, as I was threatened with repossession on my credit. During the conversation, I was led to believe that I was paying a fee to bring my account up to date and to set up automatic future payments. I have diligently made these payments for over XXXXwo years. However, despite this, my account is now listed as charged off on my credit report and marked as delinquent, which is inaccurate as the payments are automatically deducted from my account each month. Despite my attempts to resolve this issue, I have had no success. 
Date of charge off has XX/XX/year> i set up arrangement prior to this date and have not missed a payment
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX and the list of accounts provided in attachments, have violated my consumer rights to privacy and confidentiality under 15 USC 1681. I the consumer has not given authorization, to furnish any private information. 15 USC 1681 ( FCRA Section 602 ) states that I have a right to privacy. Furthermore, 15 USC 1681, section 604 A, subsection 2, explicitly states that a consumer reporting agency can not disclose an account without my explicit written instructions. Additionally, as per 15 USC 1681c. ( a ) ( 5 ), it is explicitly prohibited for any consumer reporting agency to include specific types of adverse information in a consumer report, particularly information predating the report by more than seven years, excluding records of crime convictions. In accordance with 15 USC 1681s-2 ( a ) ( 1 ), it is impermissible to provide any information to a consumer reporting agency if there is knowledge or reasonable cause to believe that the information is inaccurate. Experian, XXXX and XXXX ( Credit Reporting Agencies ) Have allowed several inquiries sharing my private information. Submitted with this complaint are the communications to the Credit Reporting Agencies opting out of any authority that XXXX have been given. I have also included the reports from all 3 agencies with inaccuracies and unpermitted inquiries. I have called all 3 agencies and disputed inaccuracies and to have private information removed. The result of these issues has made it difficult to provide happiness for my family due to denial of goods and services due to unfair consumer reporting.
Product: Mortgage

I am filing a complaint regarding my loan modification process with Shellpoint Mortgage Servicing, which has not been handled properly and has now led to a scheduled foreclosure sale date of XX/XX/24. 

Throughout the loan modification review, it has seemed that Shellpoint is merely going through the motions of following procedure without genuine intent to provide a workable loan modification. Despite initially informing me that my income met their requirements for a repayment plan, they later claimed my income was insufficient and proceeded with foreclosure action before fully reviewing my application. The foreclosure sale date was also set while my application was still under review, adding unnecessary stress and uncertainty to my situation. 

In my communication with XXXX XXXX, he accused me of intentionally delaying payments in order to obtain a loan modification. This accusation is completely unfounded and unfair, as I have been actively cooperating and providing all requested documentation. I submitted all required documents, including updated income information, through Shellpoints loss mitigation email. With my current monthly income of {$8200.00}, I should qualify for a reasonable loan modification payment plan that includes the arrears. However, Shellpoint has not offered a clear resolution or shown willingness to engage with my request in good faith. 

Additionally, during a phone call on XX/XX/XXXX, I was informed that I could qualify for a repayment plan with a payment of {$4100.00}, but I needed to figure out what the down payment would be. After that call, I never received any follow-up communication from Shellpoint. When I later tried to reach out to them, I was told that my income was insufficient, even though I had provided updated income information prior to the call. 

Furthermore, I spoke with a supervisor who seemed to have no intention of assisting with the loan modification process. Instead of addressing my concerns, she simply stated that I can not afford it and that the property needs to be sold. This response further demonstrates a lack of genuine effort to work with me on a solution. 

I urgently request intervention to prevent the foreclosure sale and ensure a fair review of my application.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX. The company put the amount of {$600.00} direct to my account without signing up on the company. Starting XX/XX/XXXX they start deducting {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX {$190.00}, XX/XX/XXXX XXXX. They still want me to pay {$770.00}. They automatically put {$600.00} in my checking account without signing on their website but my mistake I use the money which I pay automatically deducted on my checking but the problem is they want to pay me more than I owed. This is the company phone XXXX. Thank you. Im going to get a in my bank the statements to provide evidence.
Product: Mortgage

This is the 9th Complaint against Select Portfolio Servicing ( SPS ) and its Principals via CFPB and Comptroller of Currency ( COC ). SPS refused ( a ) to respond to all elements in my First Qualified Written Request ( QWR ) under RESPA and ( b ) refused to mail Monthly Mortgage Statement - engaging in fraudulent misplacement of my mortgage payments, since XX/XX/2020. Now, at the end, it requies a Federal Lawsuit. 

There are over 10,000 internet complaints against SPS and its principals and I request that CFPB investigate and sues SPS-RICO organization for its massive criminal acts and fraud.
Product: Debt collection

My fiance and I rented an apartment from XXXX XXXX. We provided more than 60 days notice that we were vacating the apartment after living there for 6 months. Upon move out in midXXXX XXXX, I paid the rent in full and according to their rent payment app, we had a {$0.00} balance. Our manager never provided us with a final move out statement, or communicated with me after acknowledging my email that we had vacated the apartment and left the keys. In XX/XX/XXXX, I received a voicemail from a debt collector. I called to find out what it was about and learned that XXXX had asked them to collect {$3300.00} for breaking our lease early. We were never contacted by the apartment directly and never given an opportunity to dispute this with XXXX. ( Had we been given the opportunity, we would have pointed out the various ways they broke their own lease by not providing a safe environment -- gates were rarely locked, vehicle damage, homeless people in the courtyard, sleeping outside our first floor apartment, next door resident XXXX XXXX right outside our apartment door at all hours of the day and night, illegal entry into our apartment ( see attached email pertaining to this ), cars illegally parked in the parking lot, and never having hot water. ) After speaking with the debt collector, I was provided a notice with the right to dispute, which I did. The notice had a deadline of XX/XX/XXXX. I mailed the dispute notice to them on XX/XX/XXXX -- well within the deadline. On or about XX/XX/XXXX, I.Q. immediately reported the debt to the three credit bureaus and systematically began destroying my credit. I did not receive verification of this debt until XX/XX/XXXX, well past the 30 days they had to verify the debt. Their letter is dated XX/XX/XXXX, however the postmark on the envelope shows XX/XX/XXXX -- almost 60 days past the deadline for them to send verification of the debt. The verification provides the final move out statement, which I never received directly from the apartment complex.
Product: Credit reporting or other personal consumer reports

During the COVID19 pandemic, I was late one payment though I discussed this with XXXX XXXX. I was late only one payment due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told it would be excused and not reported as late. It was reported as late in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt not owed.
Product: Mortgage

I received a text message from what was identified as a debt collector from CrossCountry Mortgage ( my loan service company ). This was on XX/XX/year> and after I received a confirmation that my mortgage payment was processed. When I contacted the customer service chat, all they said was that it takes 24-48 hours for the system to update and sorry about that. 

Payment is not marked as late until after the XXXX of each month per their terms. 

So it wasnt a real debt collector. They just put that in the text to scare me. My payment history for the entirety of my credit history ( about 25 years ) is nearly perfect. I do NOT appreciate having a scare tactic used to get my money, especially when I already paid. This feels like a violation of what a debt collector is allowed to be and who can use the label. 

Attached is the screenshot of the message I received.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This writer submitted a dispute to Experian on XXXX. And a follow-up correspondence from Experian they requested additional information in order for the fraudulent accounts and inquiries to be blocked or removed. I have attached a copy of that request from Experian to this complaint. I originally sent the police report which named the accounts and inquiries in dispute. This writer was unaware that Experian would need any further information however has agreed to provide that information to Experian for the dispute process to continue. There are two accounts reporting on my credit they are a result of identity Theft. I am directing Experian to Block the Following two accounts from being reported as they are result of identity theft XXXX  XXXX XXXX Acct # XXXX and XXXX/XXXX  XXXX  Acct # XXXX. Both of those accounts are listed in the ID death affidavit and a police report as fraudulent accounts. As far as I can tell Experian has already removed the fraudulent inquiries so no concerns there. As requested I am attaching to this complaint a copy of my drivers license, a copy of my utility bill, a copy of my checking account statement, a copy of my Social Security card, a copy of the ID Theft affidavit filed this writer filed with the FTC and a copy of the police report this writer filed with XXXX XXXX XXXX Police Dept. Both reports specifically name in each inquiry and each account that is fraudulent. I am requesting removal pursuant to section 605B of the fair credit reporting act which states that fraudulent accounts must be removed within five days of receiving notification from a consumer that the accounts are the result of fraud or identity theft. I am now exercising those rights and I request for removal of the information
Product: Credit reporting, credit repair services, 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 to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account # XXXX Balance Owed {$5500.00} Account # XXXX Balance Owed {$5500.00} Account # XXXX /Balance Owed {$5500.00} Account name : XXXX Account # XXXX Balance Owed {$7900.00} Account # XXXX Balance Owed {$7900.00} Account # XXXX Balance Owed {$7900.00} Account name : XXXX Account # XXXX Balance Owed {$0.00} Account # XXXX Balance Owed {$0.00} Account name : XXXX Account # XXXX Owed {$120.00} Account name : XXXX XXXX Account # XXXX XXXX Balance Owed {$110.00} Account # XXXX Owed {$110.00} Account # XXXX Owed {$110.00} Account name : XXXX XXXX XXXX  Account # XXXX Balance Owed {$3500.00}, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Product: Checking or savings account

On XX/XX/XXXX, I ordered new Chase bank cards for my accounts. At some point between XX/XX/XXXX and XX/XX/XXXX those cards were intercepted by another person or persons and activated. This unknown person was then able to call chase and gain access to my bank accounts and online banking information. On XX/XX/XXXX this unknown person did file XXXX claims of missing deposits via an ATM with Chase bank. Upon seeing the amounts of {$740.00} and {$680.00} credited to the account this person was able to walk into XXXX Chase bank branches in XXXXXXXX XXXX XXXX on XX/XX/XXXX and withdraw those amounts from my bank accounts. The following day XX/XX/XXXX, this person did again attempt to file another ATM claim for {$750.00} that Chase blocked and flagged my account. However I was never contacted by Chase regarding this suspicious activity on my account. Later that week XX/XX/XXXX this same person was able to block my access to my online banking, by changing my email on file with chase and on this day they were able to again withdraw from my account {$1500.00}. 
I have filed claims with Chase XXXX XXXX for all of this. They claim to be working on a resolution however i can not get any type of credit for the amount of {$1500.00} that is missing from my account. The {$740.00} and {$680.00} were fraudulent claims that this unknown person used my account to facilitate and steal from Chase Bank. 

The branches involved are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The employees who interacted with this unknown fraudster are as follows XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Withdrawal {$680.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Transaction # XXXX Session # XXXX Withdrawal {$740.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Transaction # XXXX Session # XXXX Withdrawal {$1500.00}