23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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  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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : SHELLPOINT MORTGAGE ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone : XXXX XXXX : Improper reporting to the credit bureaus ( NEVER LATE ; rolling XXXX ) XX/XX/2020, XX/XX/2020. 

Good day. I am reporting that Shellpoint Mortgage had " falsified '' stating that I was late on my mortgage. I have NEVER been late. As a matter of fact, they had drafted monthly out of my account. I am a real estate investor and own many problems so I can assure you that money is never an issue with me. However, what is an issue is that this company had reported my mortgage late. I need this over turned immediately. I have provided my information, and email that's notarized, and I hope respectfully that this incident is overturned in my favor. Thank you and have a great day.
Product: Debt collection

When I apply for any credit card, I get denied with no specification as to why. When I log onto XXXX it appears negatively on my report but don't know why. I haven't been able to apply for any credit cards. Also, Capital one is trying to garnish my wages when I am in Financial hardship. What are my options or can do, without filing for bankruptcy?
Product: Checking or savings account

I received a promotion from JPMorgan Chase Bank offering a {$600.00} total bonus for opening up both a savings and checking account, which I did on XX/XX/XXXX. 

I followed the instructions and deposited the required funds and more per the promotion. 

On XX/XX/XXXX, I was paid {$200.00} of the {$600.00} bonus. 

On XX/XX/XXXX, I called customer service at XXXX, which was the only contact information I could find. I was passed around to XXXX different individuals, all who in my opinion were reading from a script. I was told that my deposits were classified as ACH and they did not qualify as a Direct Deposit. I told them that I felt the promo was misleading and that I believe the definition of direct deposit is an electronic transaction vs physically making a deposit at a branch. The promo specifically mentions that transactions such as XXXX do not qualify but there is no mention of ACH 's or Bank to Bank transfers and I wished to speak with someone who was authorized to discuss this and make a management decision that was based on the situation. I was eventually told that it will be reviewed upstairs. 

I had no confidence in this and filed a formal complaint : XXXX. 

I was later notified of receiving a secured message. The message appeared to be nothing more than some razzle-dazzle telling me how great it was that I shared my feedback with them and how it will improve customer relations. It did not address my specific situation at all. After several other secure messages back and forth, I finally demanded to know if that person specifically had any authority or they should pass it to someone who did or to provide me with the contact info for the banks governing agency, Instead of answering my questions, they recommended that my inquiry requires the expertise of the " escalation team '' I was given the exact same phone number that I used on day 1.

I called and asked for the escalation team and was told by that person that they were one of two supervisors and that they could not help me and that it was impossible for me to speak with someone who would be able to discuss it.

Attached is a 3 page summary of the secured messages, copies of my bank statements and the specific promotion involved. 

Thank you.
Product: Debt collection

I had a Citibank card in XXXX. I got in a financial crisis and was n't able to pay it. In XXXX I believe I was sued. I never went to court so I believe the judgement was against me. I have no paper work of the outcome of the lawsuit. Citibank sold or hired XXXX XXXX XXXX from XXXX Texas to collect dept. I have n't received any paper work from them stating that they were going to freeze my accounts. I have never given them permission either to do so. XXXX/XXXX/XXXX my account was put on hold and {$6700.00} was removed. XXXX XXXX was contacted and they told me it was a Citibank card I had n't paid. Its been over 8 years I thought all this should of gone away. The deal they are giving me is to verbally give them an approval to withdraw {$5000.00} and pay them {$250.00} a month until depth is paid in full. If they have a judgment against me to take money why do they need my permission to take it??? red flag. I asked them why they did n't tell me they were going to freeze my account and they told me they did n't have to until after they froze it. red flag. I asked them how much they bought the account for from Citibank and they said they did n't that they were working for Citibank. When I asked for Citibanks phone number they said they did n't have it??? red flag If you work for some one you should be able to contact them. When I asked who was the judge that ruled against me they did n't have his name either???? red flag. I believe something wrong is happening and want to make sure all this is legal. This account is my wife 's account which she had just deposited her income check. I am on the account but do n't use it. the {$6700.00} can be traced to a check made to her from the IRS. I thought you could n't do this in Texas. The people at XXXX XXXX XXXX acted like they did n't know what to say when asked simple questions. When I asked the ( lawyer )?? who had put the {$5000.00} withdraw amount she said she did. red flag. I asked her nicely why she would n't take {$3000.00} and she said because she wanted {$5000.00}. What happen to what Citibank the client wants. Things just do n't add up. I was told CFPB would be able to help me resolve this. thank you for you time. please advise
Product: Credit reporting or other personal consumer reports

To : Current CEO c/o Early Warning By : Certified Mail Number : RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX hereinafter RESPONDEAT INFERIOR, In Re : claimant : Remove Accounts Below & Any Information Bearing My Name XXXX XXXX Without Prejudice U.C.C. 1-308.4 Alleged Bank Name : XXXX XXXX  XXXX XXXX Account : XXXX Alleged Bank Name : XXXX XXXX Alleged AccountXXXX Alleged Bank Name : XXXX  XXXX Alleged Account : XXXX Alleged Bank Name : XXXX XXXX XXXX XXXX Alleged Account XXXX XXXX Dear CEO of Early Warning This is a claim and demand for PROPER CONSUMER REPORT INVESTIGATION, and offer to cease my disputes/challenges letters upon the preceding conditions : This offer of ceasing to dispute and challenge the adverse information on my consumer report is made in good faith, to remove/delete the attached complaint of improper upon the condition RESPONDEAT INFERIOR disclose their method of verification and complies with the following stipulations herein within twenty-one ( 21 ) days of receipt of this claim : 1 ) RESPONDEAT INFERIOR completes, in entirety, the attached Consumer Report Disclosure Statement and returns the same with all supporting documentary and evidentiary proofs to claimant ; and 2 ) RESPONDEAT INFERIOR, in accord with the Fair Credit Reporting Act [ 15 USC 1681 et seq. ], provides information on where and how you were able to determine my character, general reputation, personal characteristics and mode of living. Verify how you came upon such Without Prejudice U.C.C. 1-308.4/Without Recourse U.C.C. 1-103.6
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage account with Wells Fargo Home Mortgage should be showing closed with a balance of XXXX, because a settlement agreement was reached. On XX/XX/2018 a consent judgement was finalized with a " waiver of deficiency '' in the XXXX Circuit Court of XXXX County Florida ( Court Document Attached - item # 7 - Waiver of Deficiency ). 

In spite of the court ruling, Wells Fargo continues to report my account as delinquent with a deficiency of over {$70000.00}. This report by Wells Fargo is fraudulent and contrary to the courts ' ruling.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

Apartment Scam-XXXX employs unconscionable practices to exploit Tenants. This is a sophisticated scam to extend the Tenant 's rental term, dramatically double or triple the Tenant 's monthly rent by the use of high pressure sale tactics and written threats by Hunter Warfield to destroy the Tenant 's good credit rating.
Product: Credit card

There was a transaction on my Citi credit card for {$470.00} that has been under different dispute statuses since XXXX of XXXX. Initially it was disputed as fraud and I was then informed it was disputed incorrectly. I sent all documents, including an authorization form that was emailed to the hotel on my behalf prior for the amount to be charged that I was approved for by a third party " XXXX '', which is a online lending service that is used as a loan and they provide you with a XXXX virtual card. It stated the transaction amount and the last four of the credit card that was used for the purchase.They opened another under another form of payment used. I have called in almost everyday to check the status of my credit as this was affecting my use to utilize my credit card for a transaction that I did not authorize on my Citi card. I spoke with a representative in the billing dispute department that stated they had all the documents they needed from me and once that was filled out and completed that they would credit my account for that amount and would have everything they needed. That did not happen. I received a notification on XX/XX/XXXX that the dispute was resolved and I was responsible. The representative today in the billing dispute department stated something contradicting everything that was stated prior and that now the documents are from screenshot and they would now need physical statements. This is an online loan provider and there are no physical statements. Everything I provided showed the amount that was charged on the XXXX  virtual card, the loan agreement, and the authorization form that was signed and given to the hotel on the form of payment that was used. There was no authorization form that I ever signed to charge my Citi card.
Product: Debt collection

On XX/XX/2020 I noticed an account on my credit reports that I did not recognize from CKS Prime Investments. I realized I had never received a notice of the right to dispute regarding this collection. That same day, I sent CKS Prime Investments a letter to validate the account. I have a certified return receipt signed for my letter on XX/XX/2020 by XXXX XXXX. In the XXXX  days that followed I did not receive any documentation validating either debt. On XX/XX/2020 I sent a follow up letter stating they failed to validate the debt, neglecting to send any documentation and requesting to have the accounts removed from my credit reports immediately. My XXXX letter was received certified return receipt on XX/XX/2020, also signed for by XXXX XXXX. Again, I received not response and the accounts were still not removed. I sent all of my documentation to the XXXX credit bureaus and again it was not removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is imperative to ensure that consumer reporting agencies conduct their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. Equifax and XXXX, being consumer reporting agencies, interact with me as the consumer. I possess the right to safeguard my private information, as reinforced by 15 USC 6801, which dictates that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information. XXXX XXXX falls under the definition of a financial institution in compliance with this policy. Under 15 USC 1681, Section 604a, Subsection 2, it is stated that a consumer reporting agency may furnish a consumer report only upon the written instructions of the relevant consumer. Both XXXX XXXX and the consumer reporting agencies, Equifax and XXXX, do not possess my consent to disclose this information, nor do they possess my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 
15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise a nondisclosure option. XXXX XXXX never informed me of my right to exercise this option. 
Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is being reported as adverse without my permission, which is in violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the furnishing of inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of Section 1681c and restrict the furnishing of consumer reports to specified purposes. Equifax and XXXX appear to be failing to maintain reasonable procedures. 
Moreover, 12 CFR 1016.7 affirms my right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services Immediate deletion of account and {$1000.00} per violation I am entitled to a $ 1,000per violation plus any other damages i have sustained as a result of your failure to follow the law. I have file more than 1 complaint, willful noncompliance can easily be proven as you had a full understanding of the violations after i complained the 1st time 15 U.S. Code 1681o - Civil liability for negligent noncompliance
Product: Debt collection

About 3 months ago Portfolio Recovery called my cell phone. I asked then the date the debt occurred. I was in 2008 ( 12 years ago ). I told them is was past the statute of limitations and to cease calling me. They tried to get me to settle and promised not to ding my credit report. I already knew the account had fallen off. They continued to try to settle the account. They did not call back for several months. 

Last week, I received a call again. I asked not to be contacted again and I asked for the address to send something in writing. The call was terminated before I got the information. 

I received another call today from a local number XXXX XXXX XXXX XXXX. Again I asked them to cease and desist. I got an address to send a cease and desist in writing. This debt is over 12 years old. In fact, I have established new credit with the original creditor.
Product: Mortgage

I am filing this complaint against Rocket Mortgage due to an incorrect late payment reported on my credit report. Despite my efforts to resolve this directly with Rocket Mortgage, they have refused to correct the issue, which has resulted in significant financial harm. 

What Happened : On XXXX XX/XX/XXXX, I called Rocket Mortgages automated payment system to make my monthly mortgage payment. 
During the call, I explicitly stated to make the payment for that same day. 
However, due to unclear system prompts, the payment was processed for a later date, causing an unjustified late payment classification on my credit report. 

Steps Taken to Resolve the Issue : on XX/XX/XXXX as soon as I noticed the issue that the payment didnt go through. I contacted Rocket Mortgages customer service to request a correction and to apply the payment immediately. 
I explained that I had intended to pay on time and had used their automated system, which did not clearly indicate the payment date before finalizing the transaction. 
Despite my strong payment history with no prior late payments, Rocket Mortgage refused to make any adjustments, stating that their system does not allow goodwill corrections. 
I escalated the matter multiple times, but they continued to deny my request. 

Impact of This Error : This incorrect late payment has damaged my credit score, directly affecting my ability to secure a new loan. 
As a result, my lender has delayed the closing of my new mortgage, which could lead to significant financial losses in the thousands of dollars. 

Attached are screenshots of email exchanges where I attempted to resolve this with the executive team, additionally you can see where they admit that this is an unintentional mistake, but Rocket Mortgage refused to engage in a meaningful discussion to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act, the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 u.s.c 1681 Account NameXXXX XXXX XXXX XXXX Account Number... XXXX 
Account Name... XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number... XXXX Account Name.. XXXX XXXX XXXX  Account Number.. XXXX Account Name ... XXXX XXXX XXXX in Account number... XXXX Account NamXXXX XXXX XXXX XXXX XXXX XXXX  Account Number... .. XXXX Account Name XXXX XXXX XXXX Account NumberXXXX XXXX XXXX ... XXXX Has violated my rights. 
15 u.s.c. 1681 section 602 A. State, I have the right to privacy.

15 u.s.c. 1681 section 604 A. Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions..

15 u.s.c. 1681 C. ( A ) ( 5 ) section state no consumer reporting agency may make any consumer report containing any of the following item of information any other adverse item of information/ other than records of conviction of a crimes antedates the report by more than seven years.

15 u.s.c 1681 S. -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy..
Product: Mortgage

I am trying to get an explanation as to why in XXXX of 2021 a {$590.00} escrow payment was made out of my account. Who was this payment made to? I have always paid my own homeowner insurance and taxes. Along with this payment came a charge of {$49.00} for escrow. I have also sent proof of Insurance to Newrez no less than 3 times to show absolutely no gaps in my coverage. 

I have called your service department, talked with escrow and insurance departments but have gotten no results to my request to have this process stopped and reimburse my money. 

I have attached the 2 statements showing when this occurred. Your attention to this matter is appreciated and I expect a response. I emailed back in XXXX to Newrez which I received no response other than they received the email and would be getting back to me. Well as of today I am still waiting.
Product: Money transfer, virtual currency, or money service

I received a 1099k today ( XX/XX/XXXX ) from CashApp/Square . I did not have a business account with them. The tax document said that I made 383 transactions in XX/XX/XXXXXXXX  totaling approximately {$5200.00}. I did not make these transactions nor did I receive any money from them. 

I called CashApp who took the information from me and said they would forward it to the proper department. That department is supposed to email me. The person I talked to gave me no timeline. 

When I tried to log on to my CashApp account ( which I only had so that I could use XXXX XXXX for my taxes ), it says my account has been closed due to gambling or other things against their terms and conditions.