23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/24, I went to pay my XXXX XXXX Card and to pay my rent as I have done every month. When I logged into both the app and the website, I was presented with a page that stated I had a {$0.00} balance, {$0.00} payment was due, and no statements were available. I was not able to make a payment and could not utilize my account. I immediately called XXXX and was informed that my account was locked due to fraud and that they tried to reach me about it. I went back to my communications and saw that XXXX sent only XXXX email to me, for which I called the number and waited over 30-45 minutes to talk to an agent only to never be connected and assumed it was an error. While I was on the phone with the representative on XX/XX/24, I was informed that I was being charged monthly for several transactions that were fraudulent from XXXXXXXX  and that I was also being charged for an XXXX that I had cancelled many months ago. I disputed the applicable charges, made a payment with the agent over the phone, and was informed that I would be able to proceed with my monthly rent payment as well since it was tied to the new card that was being expedited to me. At XXXX XXXX on XX/XX/24, I received an email from XXXX stating, " We wanted to inform you that your payment of {$2400.00} through your online portal was declined. Your rent payment was declined because the card associated with your XXXX XXXX Account is currently over-limit. Please bring your account current by paying down your card, and then re-submitting your rent payment. '' I had made a payment of {$3200.00} on XX/XX/24 ( Confirmation Number : XXXX ) while on the phone with the agent and ONLY had to do this because I was locked out of my account without any notice or any communication from XXXX XXXX  or Wells Fargo. This is absolutely unacceptable and has put me in a bad position with my apartment building that I have a spotless payment record with. XXXX states they will not re-process the transaction and that any fees are on my own, when the only reason I ran into this issue is because they locked my account and made it impossible for me to make a payment online.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Mortgage

I have submitted a loan modification application a few times with Bank Of America. I have a past due balance of over {$17000.00} because they will hold your modification or not respond for quite a few months. Then they will deny your request and try to focus on your home. I have filed bankruptcy to keep my home Because of this. We all know that there should never be a past due balance over {$17000.00} without there being something completely wrong. After filing my bankruptcy they have gone up on my regular mortgage payment {$1000.00}. Your reason for filing bankruptcy is to be able to afford your bills, however they are making it impossible for me. I recently Applied for another modification three months ago and have not received a response. I submitted all paperwork requested and have paperwork to prove that it was submitted still no response. I am reaching out to you for help to keep my home and To investigate Bank Of America no modification process and its unfair treatment to mortgage holders. This should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect addresses, phone numbers and name. 
The debt against me from XXXX XXXX XXXX should not be in my name, that debt should be taken against a former boyfriend/my childs father/ roomate, XXXX XXXX XXXX
Product: Debt collection

A person named XXXX XXXX is calling my job harassing me. The first time he called my job I was very busy he threated to put me in jail if I didnt talk to me after I told him several times I could not talk to him and that I had several patients waiting he said he did not care I needed to talk to him right then so I hung up because I was getting in trouble. Then he called back again today XX/XX/20 I told him I was getting everything fix and he was being very disrespectful and told me I dont have any money to get anything fixed I told him XXXX in the process of getting it fixed and not to call my job harassing me and he said hes going to call my job because its his job he called from XXXX
Product: Credit reporting or other personal consumer reports

I recently got a copy of my credit report and notice several inaccuracy in my accout. This account is hurting my ability to obtain credit .it 's my understanding that Experian XXXX XXXX XXXX agency will investigate this for me to ensure accout accuracy ... this account is. XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute this account : The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in this account from their records due to identified errors. I am perplexed as to how your agency has verified this account while the other bureaus has updated it. Therefore, I request that you correct this account in my credit file as this is inaccurate, erroneous, incomplete, or unverifiable. 
XXXX XXXX XXXX XXXX.....
Product: Credit reporting or other personal consumer reports

I am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Credit Act : XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have violated my rights under 15 U.S.C.1681b ( a ) ( 2 ) which state any consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer whom it relates and I never gave written consent to have this information reported.
Product: Checking or savings account

In XXXX Wells Fargo engaged in a lengthy campaign against me. They refused to give me a safety deposit box, restricted my accounts, and then ultimately threatened to close my accounts including my personal checking and savings accounts, and my business checking accounts. 

They told me that the reason they were closing my accounts was my " association to XXXX XXXX businesses ''. I told a banker that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX business when i was trying to open a safety deposit box to store some XXXX cards. This was the end of me. Wells Fargo treated me horribly, i was threatened, and maliciously forced me to close all my accounts even though I have done nothing wrong, and i was a customer for over XXXX years. 

I had to open new bank accounts, being careful to avoid major banks since an employee of Wells Fargo told me that the bank most likely permanently ruined by banking reputation through the XXXX XXXX XXXX XXXX I learned that the major banks collectively own XXXX and offer it as a " free service '', while actually using XXXX  to XXXX customers and to discriminate against those who are either conservative or work with XXXX XXXX companies. 

I spent at least 40 hours of my time dealing with the damage that wells fargo caused to me and my business. I am now afraid to do business with any of the major banks. I tried to get my record from XXXX to see what they had said about me, but the XXXX system uses software that is impossible to work with. These banks are colluding against customers and american financial innovators. I am horrified and appalled at the way I was treated by Wells Fargo, a bank i had trusted for over XXXX years with my personal and business finances. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$360.00} COLLECTIONS XXXX {$150.00}
Product: Debt collection

In XXXX of XXXX, after received a phone call at work, I asked XXXX XXXX of FH Cannes and Associates to not contact me at my work phone number. She contacted me at work at around XXXX on XXXX XXXX, XXXX at work.
Product: Credit card or prepaid card

During her employment at my office, my manager used my business AMEX card for personal purchases without my permission. These purchases occurred over a period of 6 months and amounted to {$25000.00}. I've called AMEX over 2 dozen times and they claim I'm responsible for these charges since she had permission to use this credit card. 
I never gave her permission to use this card. She added her name to my AMEX account and got her own name on the business AMEX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  on multiple occasions that I have never had an account or balance with XXXX. My last attempt to contact XXXX was on XX/XX/XXXX and I received no response back. I sent the letter certified USPS tracking XXXX. It was received by XXXX on XX/XX/XXXX. I have contacted Experian on multiple occasion about this matter. Experian said they confirm this charge but that is impossible when XXXX has never respond back because there is no account or balance. Experian is not doing a proper investigation and at this point, I will be moving forward legally if they do not remove this from my credit report. I wrote Experian on XX/XX/XXXX telling them that XXXX is not responding back or validation any account or balance. XXXX has not responded back to my letter in 4 months. This account is causing adverse affect to my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX  ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
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. 

XXXX  XXXX XXXX : account # XXXX, XXXX XXXX : account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 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: Payday loan, title loan, personal loan, or advance loan

Affirm approved three different same day loans ( buy now/pay later ) for someone claiming to be me. They issued all three loans from XXXX XXXX XXXX XXXX store around XX/XX/XXXX for {$230.00}, {$80.00}, and {$640.00}. The first time I heard about these loansd was in XXXX when a collection agency ( XXXX ) was contacting me to pay for the delinquent loan payments. After spending hours on the phone with XXXX who directed me to Affirm, and Affirm opened a fraud investigation. I checked back a few times, but they said the investigation was still on going. In XXXX, I finally heard back from Affirm and they said I was still liable for the money. They never contacted me during their investigation. I got help from XXXX XXXX XXXX and we called Affirm together to sort it out in early XXXX XXXX After an hour+ call, Affirm couldn't tell us how they determined I was still liable. Based on a recommendation from XXXX XXXX XXXX consultant, I froze my credit accounts with the XXXX credit bureaus to avoid further loans in my name, I filed a police report of fraud ( XXXX Police Department Official Case Number : XXXX ), and I filed an Identity Theft Report with FTC ( Report Number XXXX ). Affirm said they would contact me with information about their findings for one of the loans where the investigation had completed. The other two loan investigations are still on going at Affirm, but I'm not hopefuly they will find anything different since still no contact from them and the loans seem to have been acquired in the same manner. It's been several days and I have not heard anything back yet from Affirm.
Product: Money transfer, virtual currency, or money service

I'm from the XXXX and recently created a Gemini account, linked a bank account and have been verified. I sold an XXXX recently on XXXX XXXX and withdrew the balance to my Gemini. The amount received was around {$1500.00} but when I go to withdraw the only options for XXXX  or XXXX. I've also tried linking a US bank account but the only options are for XXXX or XXXX banks. My account balance says 0.00 but my portfolio balance states 1097, and the transfer was completed around an hour after withdraw from XXXX. 

I've even tried to purchase crypto with the USD in hopes of converting it, but in both the regular and active trader platforms I am only able to trade XXXX or XXXX pairs. I've reached out to support multiple times and messaged the XXXX pages 4 times with no response and I'm beginning to get concerned. 

It's now been almost 3 weeks and I was told my issue had been escalated but my money is still locked and I'm unable to access it at all.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. Additionally, I request that the credit reporting be corrected across all three major credit bureaus ( XXXX, XXXX, and Equifax ). 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : Please find attached copies of my payment records and any additional supporting documents to assist in your investigation. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed identity theft account on my credit report with Experian and with a XXXX XXXX XXXX on the first week of XXXX. XX/XX/XXXX the information was blocked removed by experian and on XX/XX/XXXX this information was verified by achieve personal loans, and placed back on my credit report. Achieve personal loans didnt response to my dispute within 30 days nor did they response to experian within the time frame allowed either to which is a violation under 15 usc 1681a ( 5 ) ( i ) ( ii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been consistent with paying my bills on time. I am saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I did not understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$61.00}
Product: Debt collection

After repeatedly attempts of me telling them no. I ca n't make out start a payment today, I got transferred to the manager on duty. Right of the bat she spoke to me as an inferior. She would ask questions while taking but not stopping to give me a chance to answer. When she did stop I would start to answer the first party of get questions then she would start back up and start taking over me talking. I asked her to let me answer and she would just keep talking over me and not let me get one word in. I was getting really frustrated. I mentioned I was thinking about filling bankruptcy, she accused me of lying and she said she sees no record of me following filling in my county, as I try to explain that I have n't filled, she starts again talking over me. I then had to start talking over her so that she could understand what I am going through. She stopped talking and told me that she can tell by the way I am on the phone why I am the type of person that is in collections, and owe purple money. I told her she insulted me. She did n't offer an apology, I asked her at least 4 times to not contact me and that I ca n't pay at this time. She then just hung up on me!
Product: Credit card or prepaid card

Dear CFPB, on XX/XX/XXXX, I bought the following items ( listed below ) under Order # XXXX from XXXX paying {$370.00} thru XXXX XXXX Citi Master Card, and returned them all on XX/XX/XXXX, due to many reasons like defective items and different stuff delivered ( one box had 3 packs of XXXX sparkling water instead of what I had originally ordered ) so I decided to send them all back : XXXX - XXXX XXXX Spotlight Cam 3 Pack ; XXXX - XXXX XXXX XXXX ; XXXX - Adjustable In/Outdoor Metal Wall Mount 3 Pack XXXX XXXX - XXXX XXXX Wired Video Doorbell. 

Since then, I have been dealing with Citi Cards and XXXX, fighting for my refunds which have been in and out, back and forth with disputes, phone calls, and e-mails to request their refund all in vain so far. 

On XX/XX/XXXX, XXXX finally sent me an e-mail stating they had deposited a final refund of {$230.00} on my XXXX Citi Master Card account but unfortunately until this date ( XX/XX/XXXX ) Citi Cards has not given me any response/reply to that. 

Therefore, I beg XXXX a sincere help to represent me in order to get what's mine back to where it belongs, my banking account. 

Thank you for your attention in this matter. 

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

I have an unauthorized inquiry from Factual Data which occurred on XXXX XXXX,2017. This inquiry appears on all three credit bureaus. I did not authorize anyone to access my credit report on this date.
Product: Mortgage

Can you please include Shellpoint MortgageXXXX XXXX XXXX XXXX in this XXXX XXXX XXXX I reached out to XXXX XXXX XXXXXXXX regarding an insurance escrow issue. I did as the bank ask and continued making my prior payment before XXXX dropped my agent without my consent and wrote a new policy with their preferred underwriter who increased the policy by 65 %. It was then sent directly to escrow without my knowledge. Insurance is not escrowed in the loan documents. After two months of paying what I was ask to pay XXXX XXXX XXXX contacted XXXX and XXXX to report the late payments. I was less than {$600.00} in arears and had done as they ask. I contacted an attorney to see what I could do. He asks me to request copies of the Loan Documents and proof of Jurisdiction over the loan and have them submitted to his office. XXXX XXXX XXXXXXXX did not respond. The Attorney reached out and was informed they had passed the loan to Shellpoint weeks before ( 2 weeks after they were informed, I had an attorney ). In XXXX XXXX XXXX XXXX  XXXX ( long after the loan was passed to Shellpoint ) offered to make a settlement with me. My attorney at that time had stepped back. He was not licensed to argue a case in Federal Court. 
I did not retain my current attorney. I had received a foreclosure assistance notice in the mail literally 10 days before the foreclosure would become final. The attorney I hired always included an additional attorney on correspondence leaving me to believe they were partners. He assigned himself as attorney of record without my knowledge. When the attorney became intimidating and harassing, I investigated the two and they were never partners. I ask the attorney several times to dismiss from the case and he refused. I had to reach out to the Texas bar for assistance. I am including this information so that you will understand why this attorney is under review by the Texas Bar for his relationship with Shellpoint. 
Shellpoint has never provided one bit of information regarding there association to this loan. I reached out to them 6 weeks ago and they responded with a refusal to comply and a threat that I never reach out to them again. 

Shellpoint has so many complaints and lawsuits filed against them. I must wonder why they are even allowed to be in business. Except, of course they are the only mortgage company that will take on these illegal loans and attempt to bully people into doing as they demand.