23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to depisy my direct deposit from my employer. Capital one has cited technical issues which may violate the Electronic funds transfer Act as it requires timely access to funds. The statement said issues will be resolved Friday morning yet I still do not have access to my funds. This raises concern about consumer protection laws and I request your assistance in investigating this matter. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 17 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of XXXX auto loan. 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 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 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 XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The U.S Department of Education is in violation of the Cares Act under the XXXX forbearance program, they reported late payments for student loan payments to my credit report during this period but student loans are still under deferment and should not be reporting as late to my credit report. These late payments are inaccurate and should be immediately updated to on time payments in accordance with the Cares Act.
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX to XX/XX/2023 my Equifax score was XXXX. However XX/XX/2023 my score dropped XXXX. The only change was a XXXX XXXX balance decrease of {$550.00}, which should have increased my score by XXXX instead the opposite occurred. This is unethical and unfair business practices. 

conclusion : XXXX is participating in unfair and unthethic business practices. After decreasing my XXXX XXXX balance by {$550.00} resulting in a {$0.00} balance and a credit ultization of 14 % I should have seen an increase in my score not a decrease by XXXX pts.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX 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: Mortgage

Hello, I really need your help urgently. In the nutshell, I obtained a mortgage from XXXX that was transferred to Shellpoint Mortgage Servicing/NewRez LLC.  In total, I made four payments : one to XXXX and thee to Shellpoint Servicing on time according to their statements. On XX/XX/XXXX I noticed incorrect principal balance that did not reflect all payments that I made. I have called multiple times with follow ups to fix this issue and as of today, XX/XX/XXXX all my payments got removed from my payment history, I got late charge fee assessed and my principal balance got increased as if I made zero payments. I need help to resolve this ASAP. I have a closing on Monday, XX/XX/XXXX to payoff this loan in full, but I cant due to my payments not being applied. It seems that no one in Shellpoint Servicing is willing or want to help. Today, when I called again to Shellpoint Servicing, Customer Care Representative XXXX XXXX ext XXXX, has repeated the same thing as other reps before, that they are working on this issue. Here is a full details info : 1 ) I obtained a conventional mortgage from XXXX ( NMLS XXXX ) in XX/XX/XXXX for {$390000.00}. 
2 ) On XX/XX/XXXX I have made first payment to XXXX  for {$2200.00} ( bringing my principal balance to {$390000.00}, bill due date was XX/XX/XXXX with grace period until XX/XX/XXXX ) 3 ) Around XX/XX/XXXX my loan got transferred to ShellPoint Mortgage Servicing/NewRez LLC ( NMLS ID is XXXX., Main Office NMLS ID # XXXX, Branch Office NMLS ID # XXXX, Investor XXXX-XXXX NMLS XXXX ) 4 ) On XX/XX/XXXX I made a payment of {$2200.00} to ShellPoint Mortgage ( bringing my principal balance to {$390000.00}, bill due date was XX/XX/XXXX with grace period until XX/XX/XXXX ) 5 ) On XX/XX/XXXX I made a payment of {$4500.00} to ShellPoint Mortgage ( bringing my principal balance {$390000.00}, bill due date was XX/XX/XXXX with grace period until XX/XX/XXXX ). 
6 ) As of today, XX/XX/XXXX, my account in Shellpoint Mortgage Servicing shows Principal Balance of {$390000.00}, zero payments that I made and {$45.00} late fee. 
I have called them on XXXX XXXX,XXXX,XXXX,XXXX,XXXX,XXXX & XXXX XXXX,XXXX,XXXX of XXXX to try to resolve this issue without success.
Product: Debt collection

The company tries to call me requesting more than XXXX USD for a debt that I do not owe
Product: Debt collection

i have received numerous calls even after I have asked Alliance Recovery at XXXX to stop calling. They robo call me on my cell phone as well as my office. The people that I speak to are belligerent and threaten to have me served at work and continue to hang up on when I ask for proof of this debt. This debt has been paid since 2011.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


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: Checking or savings account

My account came low and. Got overdraft. I made deposit .. but PNC charged me overfraft fees and NSF reverses fees.  Figuring everything up.. they charged me doubt the amount for it all. I was {$1400.00} negative and they charged me {$2200.00} .. ten they return few things and charged me twice for reverses fee ins twice for overdraft fee for one item.. it makes more sense to cover the check and left me pay one fee which is the overdraft fee..
Product: Checking or savings account

My complaint is against Citibank they have closed my account for no reason and they are withholding my money
Product: Mortgage

I bought a mobile home last year XXXX through XXXXXXXX XXXX XXXX, was sent a payment book that has the monthly payment is due on the XXXX and if paid after the XXXX have to pay XXXX dollar late fee .... No problem. XXXX of this year the bank went out of business, 21st. Mortgage bank bought the contract, the sent a new payment book with the same payment dates. Now XXXX months later there telling me they don't care what the payment book says I have to pay on XXXX or else .... I told them that I have other bills being out of my checking account during that time of the month..I haven't missed a payment yet. They don't care I have to pay on the XXXX. What can do? They keep hastling me
Product: Credit card

Timely payments have been a constant on this account, and I have never been overdue. I'm unclear about the reasons behind reports of late payment remarks on my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached complaint and supporting documentation which includes my identity verification documents as well as an identity theft police report signed by a law enforcement officer.
Product: Debt collection

ClarityConsumer report need all items removed somebody is using my IDXX/XX/XXXX checking accounts closed
Product: Mortgage

Loancare completed an escrow analysis on my home mortgage XX/XX/XXXX. However, the escrow analysis was inaccurate and will result in an increased escrow payment and a higher mortgage payment. The anticipated escrow disbursement for the period of XX/XX/XXXX through XX/XX/XXXX ( 12 months ) is {$5900.00}. This amount includes property taxes in the amount of {$4800.00} and hazard insurance in the amount of {$1000.00}. The projected beginning escrow balance as of XX/XX/XXXX is {$3200.00}. This results in a required escrow amount/escrow shortage of {$2700.00}. Loancare 's escrow analysis statement erroneously indicates a required escrow amount of {$2400.00} ( a difference of {$230.00} ). The required escrow amount of {$2700.00} 12 months results in a new escrow payment of {$220.00}. The two month required escrow cushion is {$220.00} XXXX months equals an additional escrow cushion payment of {$37.00} for 12 months. This results in a new total escrow payment of {$260.00} for the period of XX/XX/XXXX through XX/XX/XXXX. On the contrary, Loancare 's escrow analysis indicates a projected escrow payment of {$490.00} a difference of + {$230.00}. This amount was derived by spreading the anticipated escrow disbursement for the period of XX/XX/XXXX through XX/XX/XXXX over 12 months ( {$5900.00} XXXX {$490.00} XXXX. Please be advised this algorithm/calculation does not reduce or subtract the projected escrow amount/balance of {$3200.00}. In addition, this calculation would result in Loancare holding escrow funds in the amount of {$9200.00} an amount substantially greater than the projected escrow disbursement of {$5900.00}. 


To further complicate the servicing of my home loan, it appears Loancare is in the process of issuing an escrow refund in the amount of {$760.00} although the escrow account has a required escrow balance/shortage of {$2700.00}. This is improper servicing of my mortgage loan and should be remediated expeditiously. 


Due to the inconvenience, I would prefer Loancare stop payment on the expected escrow refund disbursement in the amount of {$760.00} as I will not deposit the funds into my personal account. I would like the escrow analysis to be redone with the appropriate trial balances and the new escrow payment and mortgage payment adjusted accordingly and correctly. It is my recommendation that Loancare review it's escrow analysis process and algorithm to ensure consumers are not impacted by inaccurate data and calculations. Unfortunately, servicing errors such as this commonly result in borrowers defaulting on their mortgage loan due to unnecessary increases in the mortgage payment amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 

Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account that I need to be removed by this company : 1. XXXX   XXXX  ACC # XXXX, Date Opened XX/XX/XXXX, I am attaching the dispute letter/documents I sent to this company
Product: Debt collection

Firstly, MRS never notified me of this alleged debt before filing it with the credit bureaus, which decimated my credit rating. I was damaged by their dereliction of duty and responsibility as a debt collector, which is why I am reporting that action to the CFPB in a formal complaint. I learned that this entry was placed on my credit report via a credit monitoring service. The notification came after business hours on Wednesday, XXXX On this morning, XX/XX/XXXX, I telephoned MRS per the number listed on my credit report to inform them this alleged debt was not valid. My efforts were to no avail. The rep, who answered, could not help me and transferred me to the XXXX  section of the MRS agency. After a lengthy hold, no one answered the phone. I hung up out of disgust. Secondly, had they performed the lawful activity of notifying me so that I could dispute the debt, they would have discovered that this is a duplicate debt that was filed on my credit report by XXXX XXXX on behalf of XXXX  under the name of XXXX XXXX. .They would have learned that I disputed that derogatory entry on my credit report as I do not owe this debt. All three credit bureaus removed it from my profile, This occurred in XXXX of XXXX. Subsequently, MRS filed the debt under XXXX, an affiliate with XXXX XXXX.I was robbed of due process because they did not verify the legitimacy of the debt with me. I want this negative information removed from my credit profile with all 3 agencies. A consumer should not have to be subjected to stress that arises from a collection agency trying to be slick with reporting erroneous debt by by-passing the law on notification, preventing he consumer from filing a dispute appropriately. MRS did not attempt to verify this debt with me. I do not owe this debt. I am disputing it. I want it deleted from my credit report. Moreover, I want MRS sanctioned for disrespecting the law that protects consumers from just this kind of activity.
Product: Credit reporting or other personal consumer reports

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have been working with Chase Bank, since XXXX 2015, in procuring a new mortgage for my home. My mortgage is currently with XXXX XXXX XXXX. My closing was targeted for XXXX XXXX, 2015, and the loan amount is {$100000.00}. It is now XXXX XXXX, and they continue to delay a YES or NO answer to me in regards to the Mortgage. In addition, they continue to contact XXXX for " payoff balances '' at a cost of {$30.00} each time, and my total due now is {$120.00}. They continue to advise they escalating the mortgage to their manager, which takes XXXX days, vs one week Underwriters, however, I do not receive a response, other than people are business, and they can not push their Underwriters. I have sent numerous emails to Chase, asking for the status on a YES or NO answer, and they continue to provide a run around, and continue to give me excuses which does not calculate to the real reason. All I am requesting is a YES or NO answer. I do feel Banks as Chase, give Banks a bad name, and adds to the reason why customers do not trust banks.
Product: Debt collection

XXXX XXXX purchased my account from XXXX on XXXX XXXX 2017 and did n't contact me once and then XXXX XXXX 2017 I received a notification from my credit report that my score had fallen due to a debt collector. I had never heard from them nor received any warnings. 

XXXX XXXX XXXX showed up on my credit report one day without any notification. I called in to see what the problem was and was told that they had not attempted to contact me due to an address error? So instead of looking into this, they notified the credit bureaus with a negative file. 

I attempted to contact them multiple times and without fail the women on the phone told me there was nothing I could do and that even if the amount was disputed, they still would n't contact the credit bureau to notify them of wrongdoing on their part. I 'm aware that there needs to be a notification of at least 30 days before this happens, which I never received a single one. The folks on the phone were incredibly rude and refused to help me with the incorrect negative marks on my credit file. 

I have also read that they practice debt collection in states that they are not licensed in.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX an employee from One Main Financial called my employer in regards to a past due balance on my account. This person requested to speak with me. Upon being advised that I was not available this person told my coworker that the call was in regards to a garnishment. I am currently not being garnished by this institution. My last payment was submitted in XX/XX/XXXX which ; does make my account even half way close to filing a garnishment. Last and definitely not least ; it is ILLEGAL to disclose any information to anyone other than the debtor. I have always paid on time until just recently due to the pandemic. I intended on calling them to discuss payment, however Im currently trying to dig myself out of a hole maintaining the bare necessities of my household. I do not deny that I owe the money. My issue is their blatant disrespect of my privacy. This kind of treatment is unlawful and should not be taken lightly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account never had any late payments. XXXX Bank close the account in XX/XX/XXXX I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than XXXX days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. 

Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. 


Since you are still reporting this account on my credit report, you are now in violation of the XXXX, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 




- I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

From XXXX. They and this company never contacted me to ask anything about this bill. Its not mine. Ive asked them to prove it to me. Nothing. 

Report NumberXXXX Date generatedXX/XX/2018 print iconPrint Your Results Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail
Product: Checking or savings account

On Friday, XX/XX/XXXX, a check card purchase of {$130.00} was paid early in the morning. The status was pending. On Saturday, XX/XX/XXXX it was no longer pending. I assumed to be item was paid because it no longer appeared in my pending. So, I did several other withdrawals over the weekend. On Monday, XX/XX/XXXX, I made several cash deposits and transfer which I believed brought the t my account in the positive. On Tuesday, XX/XX/XXXX, some of my deposits were posted for the XXXX instead of the XXXX. This caused me to incurred 3 nsf fees of {$36.00}. These fees then put my account in the negative which caused a transaction of {$6.00} that was processed to incur another nsf fee of {$36.00} on XX/XX/XXXX. I assumed I had enough funds to pay all my items. I incurred in total {$140.00} in nsf fees.