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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : Dept of Ed/XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX XXXX, account number XXXX, which has been charged off. 
XXXX, account number XXXX, which has been charged off. 
XXXX XXXX XXXX, account number XXXX, which has been charged off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Capital one refuses to send confirming letter to provide to mortgage lender confirming that they sent a request to the credit bureaus to remove late payments from my credit reports. I have online chat sessions confirming they have requested it, but when I ask for confirming letters they do not want to send it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are having consistent issues with Equifax. We have added security freezes and fraud alerts to each of our credit reports. Both of our security freezes and fraud alerts have been removed numerous times without our authorization by a fraudster who calls Equifax and remove them fraudulently. The fraudster does not have access to our security freeze pin to properly remove the freeze. Equifax does not request the security freeze pin prior to removing the freeze. The assailant easily removes the freeze and the fraud alerts due to the lack of proper security within Equifax. Additionally, the assailant proceeds to open credit cards in our name after the freeze is removed. We need Equifax to STOP removing our security freeze without requesting for the pin and STOP removing our fraud alert. The security pin is emplaced for a reason and Equifax is not utilizing it. After speaking with Equifax on multiple occasions, they are not assisting us with removing the fraudulent credit card inquires that are damaging our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an email to FIRSTBANK in order to find out why they requested my credit report from XXXX  according to a XXXX XXXX notification. Their response was that FIRSTBANK don't entertain complaints over email directing me to use regular mail along with a specific set of questions. On XX/XX/XXXX, I sent a certified letter over XXXX with all the information requested by FIRSTBANK. This week, I received a letter dated on XX/XX/XXXX in response requesting the same information that I have sent twice plus additional information including a request for copy of my credit report which is the subject of this complaint since it is not of my interest to share with them. My report is confidential and I'm not interested in any financial service from FIRSTBANK. 

NOTE : This complaint is about an unauthorized request from a bank, not an employer. I don't have or currently am interested in any service from this bank.
Product: Mortgage

I have made every payment on time to this company. This is a XXXX called Shellpoint. The company used to be called SLS ( Specialized loan servicing ) I have every payment I have ever made and evidence of all payments leaving my account. I have called the company numerous times and been left on hold for over an hour at a time with no resolve. 

I have reached the brink. They have assessed late payment fees to my account and have even sent me a nasty letter stating that I can no longer make withdrawals from my line of credit. 

I have my bank statements and screenshots of everything this lousy company is doing. 

I do not make late payments and I am extremely fiscally responsible which is why I have reached the brink of frustration with this company. 

I am currently on hold with them as of this second of which I have been for 1 hour 11 minutes and 49 seconds and this is the 2nd over an hour call I have been on with them today.. Waiting for a supervisor / escalations dept to rectify this which has never been rectified.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an outdoor heater from XXXX which cost {$560.00}. The product arrived late XXXX and was assembled by someone that was contracted by XXXX. The technician tried to put the unit together and said that the product was faulty because the holes in the unit were too big for the screws which compromised the unit. I contacted XXXX who said that they would get the 3rd party vendor to credit me once they received the unit. An air bill was sent to me and on XX/XX/XXXX, the unit was shipped back to the vendor. When I received my credit card bill that month, the charge for the {$560.00} was on the bill. At that time, I had no other choice but to dispute the charge since I shipped the product back to the vendor. On XX/XX/XXXX I received a letter from Barclays. The case number is XXXX saying that they could not pursue credit for the transaction because they were not provided proof of return. On XXXX XXXX I faxed the XXXX tracking number which was XXXX. It showed that the merchandise was received and signed for by the vendor on XXXX XXXX. I was able to show that the product was returned in good faith. On XX/XX/XXXX a letter was sent to me by Barclays that they are closing the dispute and they were not able to assist me in obtaining credit to my card for the following reason : " Merchant has not violated the terms and conditions of the contract. '' Unfortunately, the merchant did violate the terms of the contract since I was promised a functional outdoor heater. I am not understanding this, but the only thing I can think of is that I told Barclays that after I pay my final bill, I want to cancel my account with them since this has been a huge hassle. I have excellent credit, and have other credit cards, but I do think that I should be credited for a product that was returned. We also received an email from the merchant admitting that they had received the return and that they had advised XXXX that we should be credited the full amount. In the meantime, I reached out to Barclay 's by telephone XX/XX/XXXX. I asked to speak to a manager at that time. I was told that a manager would call me back within XXXX business days. They never returned my phone call. I do not have any other recourse at this time as I have exhausted all my options. XXXX said that since I opened a dispute they can no longer help me, but they did approve the refund after they knew that the product was defective. I am having difficulty scanning in the documents that I have. If you have a fax number, I am very happy to fax all of the documents that I have that prove my case.Please help me resolve this. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request in response to a letter I received from Experian Credit Bureau that they wont process my request to dispute inaccurate information in my credit file. The information Im disputing is INCORRECT & I NEED THESE MATTERS HANDLED IMMEDIATELY. I do not recognize the information listed below and I request that Experian Credit Bureau must investigate and delete these fraudulent Items. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX & XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Product: Mortgage

We began the process to refinance our only home in XX/XX/2020. XX/XX/2020 we were told we were approved, and then sent a letter. Over the next few months, we heard nothing. I called many times, left messages, finally someone told us we needed to send them more documents. I did so immediately. Again, we heard nothing more. By mid-XXXX XX/XX/XXXX I called the gentleman who initially helped us AGAIN, his immediate supervisor, and HIS supervisor. NO ONE EVER CALLED ME BACK! Finally, early XXXX, XXXX XXXX called us, apologized for not being in touch, he was busy, it may take another 15-20 days before he contacted us again! I asked about lower rates, it had been 5 months, and we would like to know how to change the rate and/or when would we close. He sent us a letter the following week, ran a hard check on our credit scores, after us waiting almost 6 months with no word on the status! Our scores were affected bu the credit pull, so we knew we could have other companies di the same without penalizing our scores. Basically the entire process would be restarted, they requested the same documents we had already sent!!! Instead of starting over and dealing with them further, we gave up, called XXXX XX/XX/XXXX got a person to help us, who calls us at least weekly, and explained everything we needed to submit. At this point, we have paid another application fee and the {$900.00} we had to pay for Citi to work with us -- it was all in vain! No one would ever return our calls. I filed complaints with the 800 number at Citi, to this day no one has ever called or contacted us in any way! I feel that we were treated unfairly, our out of pocket expenses of {$900.00} were very hard on us. We are both seniors with fixed incomes. Through no fault of ours, Citibank Mortgage failed to close with us or contact us in any way over the 6 months we worked with them. I have the letter dated XX/XX/2020 they initially mailed us to prove the date we began the process. We also made XXXX and everyone we tried to reach that being XXXX years old, we had no email addresses we could access or use. They would have to call us or mail us hard copies. We were assured this wasn't a problem! We feel duped and that our {$900.00} in fees were wasted as Citibank Mortgage had no intention of ever settling with us in a timely fashion. I have called lately to request our funds be returned, no answer or returned calls as of this writing. My daughter will accept any emails pertaining to this issue, and will be listed on this complaint!
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent affidavit and ftc to experian and XXXX of the inaccuracy fcra bill that never received of the rate and fcra violation of the payments never been late
Product: Mortgage

LoanCare is my mortgage company that my mortgage was transferred on XX/XX/XXXX. My previous company tried to pay school tax and reported the check was sent back to them. Next, they sent this check to my LoanCare since they took over my mortgage. LoanCare never paid school tax on my behave. Now, I am facing collection because they keep delaying the payment. I sent a fax with copy of the tax bill and attached a copy electronically. They told me XX/XX/XXXX will be the date they decide on paying. Today I called and they said the date was moved to XX/XX/XXXX.  My township is saying they are starting collection process on me since I didn't pay school tax. I need help please.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX received an email preapproved for small loan, applied for XXXX. After completing info online didn't understand the agreement as the terms werent not listed online. per site All we need is your signature on the Loan Agreement. I called the no Wise Loan/Essential Lending, Inc.XXXX & on hold for over 30 min as a new customer, I hung up called again on hold over 50. I hung up, online it shows you're approved, funds in your act by XXXX XXXX as it was approx XXXX cst. I went back online and chatted to let them know couldn't reach anyone, don't understand the terms, she's says you're approved for XXXX, I said I don't want XXXX, I want XXXX and where are the terms online, due date, rate? She said you already signed and approved. The next min I received a separate email ( Cust Ser Response ) Congratulations with 2 attachments XX/XX/XXXX at XXXX, notice the contract date is XX/XX/XXXX and fees start on this date ; also notice AMOUNT Financed and amount GIVEN Directly to me : {$400.00}. Funds were deposited that day after XXXX not by XXXXXXXX XXXX. First pmt due XX/XX/XXXX, APR 799 %, in 6 months total pmts = $ XXXXCFPB how is this legal? A lender can charge over 100 % rate, not a dime goes to interest or so called rip off fee " CSO '' *I noticed immediately as I sent email to them regarding the errors. DATE, amt financed, and the APR, total of pmts didn't sound right and incorrect. Went back and forth via email with this unprofessional rude, incompetent reps, refuse to answer the phone line, chat dysfunction no longer working after loan approval. Contracts do not shows first payment due XX/XX/XXXX. I suddenly receive an email XXXX indicating my first payment due " friendly reminder that you have a payment coming up in a few days '' -no where on either agreement this info was stated nor online. Nothing but a SCAM. being forced to pay amount while its Undisclosed online. See attached along with website, no tabs showing contract agmt, XXXX date, rate, etc. Most tabs don't open, receive a separate email to log in and dysfunctional indicates wrong password after entering correct password. Mo info re how to payoff loan as made multiple attempts to pay off loan since Friday XXXX as site would not allow me to sign in, I tried to reach this comp on XXXX XXXX and spoke with XXXX she REFUSED to tell me how to pay it off and said to call tomorrow. The reps cant answer any of your questions nor able to provide where this info is located online as its not online. This is unfair to me not being able to pay off this loan and with the excessively HIGH fees and 800 % rate daily is outrageous! Now I'm having to run this company down to figure out how to pay off early is flat out wrong. I shouldn't have to pay this company a dime due to the multiple violations. Due to their incompetence and dysfunctional website, refuse to connect, outrageous terms and excessive rate I request for this company to remove the full debt owed immediately. See docs attached
Product: Mortgage

PAYMENTS WAS NEVER LATE. MISTAKE DUE TO MORTGAGE COMPANY SWITCHED COMPANIES. SHELLPOINT COMPANY
Product: Debt collection

In XX/XX/XXXX, I had a medical procedure carried out at XXXX XXXX XXXX ( XXXX XXXX ), XXXX, XXXX by a doctor from XXXX XXXX XXXX and disputed the massive bills received, without response them. So I lodged a complaint with the XXXX AG 's office as I resided in that state at the time. In early XX/XX/XXXX I moved to XXXX so the AG transferred my complaint to the XXXX AG. For the purposes of this complaint, XXXX XXXX billed me on XX/XX/XXXX for {$5400.00} with a due date of XX/XX/XXXX. I received this bill on the same day I received a Delinquency Notice from Harris & Harris , Ltd of Illinois for {$6200.00}, made up of the {$5400.00} amount mentioned and an earlier claim for {$800.00}, which was subject to my original complaint.

So, either XXXX XXXX transferred a debt to Harris & Harris that had not reached its due date, or Harris & Harris are trying to scam me for a debt that is not owed and which is subject to an AG investigation
Product: Mortgage

The Builder and I agreed to the purchase price of {$420000.00} and the builder offered to give a XXXX % incentive and Title fees ( Approx. {$12000.00} ) towards the closing cost and title fees provided, I finance through their in-house lender, Universal American Mortgage Company. 

The Good faith estimate showed the {$12000.00} credit but the interest rate charged was 4.25 %, whereas based on my credit score of XXXX, I am eligible for interest rate of 3.75 %. The lender structured the loan by rolling the closing cost and title fee and increasing the interest rate by 0.50 %. ( Which is exactly equivalent to 3 % premium amount of the loan ). The lender is trying to recoup the incentive amount by increasing the interest rate. When I brought this up with the builder, he was not ready to listen to my argument and referred back to the contract. He also refused to return the earnest money of {$4000.00} if I wish to cancel the contract. 

The Earnest money of {$4000.00} was paid on XXXX/XXXX/2015 to the builder towards the property located at XXXX XXXX XXXX XXXX, XXXX TX XXXX and the purchase contract was executed on XXXX/XXXX/2015. On XXXX/XXXX/2015 I received 'cash to close summary ' from lender for which I did not agree and objected on the same day. Since then I 've been talking with builder 's representative XXXX XXXX and Lenders representative XXXX XXXX expressing my concerns and repeatedly asking to have my concerns escalated to their management and to explain my rights of cancellation options. They never escalated anything to their management nor explained to me, either verbally or in writing my right to cancel the contract. 

Finally, on XXXX/XXXX/2015 XXXX ( VP Sales ) contacted me at XXXX XXXX, I explained to him the whole situation and told him that even if I was to go with any other lender and ask them to structure my loan in a way that I do not have to come up with any closing cost out of my pocket, they would offer me the same loan that Universal is offering me, in other words I am not seeing any credit that XXXX is promising me to pay. I also stated that if they can send me an email stating that the " Entire incentive amount offered by XXXX is being applied towards my closing cost and ; none of my funds whether in the form of cash or premium are being utilized on life of the loan? '' to this he responded by saying, that 'he is not obligated to do that since i have already signed the contract with them ', further he threatened me that I am in breach of the contract. XXXX 's representative wasted time escalating to their management and now they are trying to hold me responsible. I was under the impression that once I get hold of any senior management person that person would listen to my concerns and help me, or at the least be courteous, however I was wrong ; instead Will was very rude on phone and threatened me.
Product: Mortgage

On XX/XX/year>, a money transfer was initiated by Freedom Mortgage Inc. for a home loan that was in the name of my ex-husband in the amount of {$500.00}. I did not authorize the payment. When I contacted Freedom Mortgage, they stated the transfer was made though their online portal. When I contested it they stated there was nothing they can do being the mortgage was not in my name. When I asked for my personal checking info be removed from their system, they advised they could not do that without the permission from the person who held the mortgage. 

I had to go through my bank in order to get that money back but it concerns me that a party can make payment using an account that does bear their name and it remain in their name even when contested and also the company is able to store that information for future use.
Product: Student loan

I paid Ed Financial the full amount of my loan on XX/XX/2023. I received confirmation as well as a receipt which I have tried to provide them. They do not answer my calls or emails. It is now impacting my credit in a negative way.
Product: Debt collection

After communicating with this debt collector several times to leave me alone, they still will not stop. They tried again today, XX/XX/2020, at around XXXX XXXX. I have communicated through written and verbal communication that I do not want to be contacted, as they have already reported me to credit bureaus without validating any debt. I recorded myself again tonight telling them to leave me alone.
Product: Credit card or prepaid card

On XX/XX/2022, AMERICAN EXPRESS XXXX, received an Affidavit of Truth from XXXX XXXX and accepted this letter via certified mail. In XXXX, after over 30 days of no response, a cease and desist was sent to American Express and was delivered. There was still no response to the documents being demanded. In XXXX, another affidavit was sent to the company after noticing that several payments do not seem to be showing as applied to the account. After reviewing the online account to see if it was applied on the statements it was noted that the statements were not accessible on the website. They also are not being mailed, so there is no proof of what is owed and what has been applied or that this supposed debt is valid per the Fair Debt Collections act. The reporting of this account was also disputed and was not honored per the FCRA. No proof has been submitted in either instance. As a consumer, I have been forced into continuing to make payments without validation due to the concern that there will be negative reporting on my credit report even though I have no proof this debt is valid and the validity of what is owed.