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

In XXXX, My business opened an account with XXXX XXXX, XXXX  as an XXXX Sole Proprietorship using my Federal XXXX XXXX In XXXX, the business was converted to an XXXX under Ohio law and canceled the fictitious name ( the form Ohio XXXX of XXXX uses for DBAs ). In XX/XX/XXXX, my branch XXXX, XXXX XXXX, was provided a copy of the XXXX certificate and at the time of my appointment, he was manning the teller line. He acknowledge that he would update the banking records as soon as he was done with the line. In XX/XX/XXXX, the branch XXXX was advised that my business bank statements do not reflect my XXXX 's name ( slightly different than my DBA ) and he advised that he would correct it. In XXXX of XXXX the business had a check bounce and by the time the matter was resolved, XXXX Bank had closed the business ' account. 

I personally began getting collection notices from XXXX XXXX about the charged off the business account and was seeking payment from me, the individual. The amount they CLAIMED was owed was vastly higher ( more than 200 % of the actual amount and they advised that the bank had charged the business account daily overdraft fees for over 60 days resulting in the higher-than-expected balance, in an effort to resolve the matter XXXX offered me, personally, a settlement for approximately 60 % of the stated amount. 

I, being the owner of both XXXX XXXX XXXX XXXX and XXXX, XXXX, have attempted to resolve this matter on several occasions. In XX/XX/XXXX, I was advised that my personal social security number and name were referenced in the LLCs collection file. The representative acknowledge that if I, the person, paid any amount towards the balance this bad debt would be reflected on my personal credit for a minimum of 7 years. Furthermore, XXXX XXXX of XXXX XXXX advised that under Ohio law, this debt should not be reflected on my personal credit history. In XXXX, XXXX I visited the branch where my business 's account was held and was told that I needed to contact recovery. I called XXXX and spoke to a person named XXXX. This individual was not well versed in state or federal laws and tried to insist that the account was a personal account. After several minutes on hold, he came back and told me that the business was listed second on their records so he could not fix the bank 's error even though it did not match the XXXX of XXXX XXXX or XXXX letter. 

The calls from XXXX XXXX have continued and now that I have advised that this debt is uncollectible as I, the individual, do not owe XXXX XXXX  any money, I have been contacted by several different representatives. Each time I am asked to explain basic Limited Liability law and after XXXX minutes each time the representative verbally agrees that this is not a good debt. A few hours pass and a different person from the same collection agency calls and we continue the same conversation.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 i responded to a cold call from a slaeman from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXX ) i said that i would be interested in seeing what was available but made it clear i did not want my credit report pulled. I reported that i had several credit reporting apps and had a rough estimate of what my score was. When i arrived at the dealership i discovered that my report had been pulled and several inquiries were made. I never gave verbal or written permission for that to be done
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an account with this creditor since XX/XX/XXXX and I have prided myself on always making my payments on time. I understand misreporting may happen so I called into the creditor several times and they've assured me the 2 late payments would be updated to current within 48 hours and reported to each credit bureau. There is 1 late payment for XX/XX/XXXX and another 1 late payment for XX/XX/XXXX which I made on time before the 30 days had passed. I have provided previous bank statements and everything thing this creditor has asked of me, with the confirmation these 2 misreporting late payments would be removed. It is now XX/XX/XXXX and I have to file a complaint because this creditor has advised several times well over 90 days ( 30 days FCRA ) that it would be rectified. It is slowing down my lending abilities right now because of this and due to the pandemic, I need to obtain a loan to provide for my family since I am now furloughed with reduced hours again.
Product: Credit card

On XX/XX/year> I made a payment of {$500.00} and tried to contact XXXX XXXX XXXX to have my payment reallocated towards a promotional purchase of {$400.00} but was put on hold for an hour
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX Credit card is on auto pay, and the auto pay was not working. XXXX XXXX card there was just a service fee. Now it is showing 30 days past due because the auto pay didnt work, so just for a service charge. Changed auto pay info and paid past due balance. Dont want a service charge to report on my credit report as past due. Please fix
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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/year>
Product: Checking or savings account

I realized the thousands of dollars were remove my account that I did remove. I asked for 2 investigations to be done and was told that somehow it was my fault.
Product: Mortgage

I am writing to formally dispute a foreclosure notice I recently received from Shellpoint Mortgage Servicing. In XX/XX/XXXX, XXXX servicing my Home Equity Line of Credit ( HELOC ). At that time, my principal balance was XXXX. I have retained copies ofmonthly statements from XXXX onward, none of which indicate any outstanding payment. Despite having a XXXX balance, I recentlyreceived a Notice of Foreclosure from Shellpoint. Upon inquiry, Shellpoint claimed that the {$900.00} charge was for interest accrued ona closed loan. I vehemently deny requesting or authorizing the closure of my HELOC. I have not signed any documentation related tosuch a closure. I have attempted to resolve this matter with Shellpoint through multiple phone calls and emails, but to no avail. I havebeen unable to obtain a clear explanation for the charges or the foreclosure notice. I kindly request your immediate intervention toinvestigate this matter and take appropriate action. I believe that Shellpoint 's actions are unjust and have caused me significantdistress. 

Attached are my statements from XX/XX/XXXX for : Loan number XXXX : This statement shows no payment due and no outstanding balance. I am therefore perplexed as to how they have calculated interest on a XXXX balance. 
Loan number XXXX : This statement also indicates no payment due or interest due, with a XXXX principal balance. I am unable to understand the source of the alleged interest payments. 
I have had multiple phone conversations with Shellpoint representatives, during which I was initially informed that these payments were fees. As my fees were paid at closing, I inquired further. Shellpoint then claimed these overdue items were interest payments. However, when I pointed out the absence of any principal balance, they reverted to calling them fees again. 

I have recorded phone calls with Shellpoint representatives where they explicitly stated that I no longer owe any money and that the issues have been resolved. These recordings are attached to this email. During these calls, Shellpoint acknowledged an error and confirmed that the issue had been rectified. 

Despite these assurances, I continue to receive letters at my residence. Furthermore, my tenants have also received letters regarding loan number XXXX, stating that the loan is overdue. These letters were sent after my conversations with Shellpoint, where they confirmed the resolution of the issue. Consequently, my tenants are now expressing concerns about potential eviction and are withholding rent payments. 

This ongoing situation is causing me significant stress, impacting my sleep, and negatively affecting my health. The persistent harassment through these letters is also disrupting my business operations. 

I have attempted to resolve this matter by working with Shellpoint, but my efforts have been met with a lack of responsiveness. I am also reaching out to the Consumer Financial Protection Bureau and filing a complaint with them. 
Therefore, I request that Shellpoint promptly provide me with the contact information for their Legal Department, including their email address, phone number, and mailing address.
Product: Debt collection

I owe for a broken lease and it was sold to a collection agency who is charging what seems like an enormous amount of interest. I would just like to know what is legal in Texas for them to charge in interest. The final account statement from the Apartment Complex is {$1600.00} however, the collection agency is charging an additional {$600.00} for a sum of {$2200.00}
Product: Payday loan, title loan, or personal loan

my last payment w as   XXXX    2016. I saw  a ad vertisement for help in paying your payday loan. I called them support advocacy  XXXX . They took over my  XXXX  payday loans and dicuss the matter to them. I paid  XXXX  every month for awhile. They called and told me I was done paying them.. I received a email last saturday that if I did not contact them I would have  XXXX  charges against me an d 1 was fraud 2 theft and 3 not payi ng back. They said they would ruin my record and the FBI would be contacting me.. I was told that not to worry because they took over my accounts and if they sue me they would be there for me. Can they really do this? Just want to know my rights. I wos told they were going to have warrant for my arrest they would like my job know what a bad person I am that they will fiel  XXXX  charges against me. That they will block my S.s number. They would file a law suit against me..I was unable to down load the e-mails but this company has the  2 e- mails I had received and I sent it to them.. I want you to contact them they are the ones in charge of my account. I want to put them involved but I do n't have anyone special there. They all help me out. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed errors on my credit report with XXXX XXXX, Equifax and XXXX several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.
Product: Credit reporting or other personal consumer reports

Request for Correction of Credit Report Under the CARES Act To Whom It XXXX Concern, I am submitting a formal complaint regarding the incorrect reporting of late payments on my credit report by XXXX XXXX. These payments were directly caused by financial hardship resulting from the XXXX pandemic, which included job loss and illness. 

The late payments in question occurred on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I worked with XXXX XXXX XXXX this period to request forbearances, deferments, and modified terms to address my financial struggles. Under the XXXX XXXX, accounts affected by such hardship should be reported as " current '' or " modified '' to reflect the accommodations provided, and not as delinquent or late. 

However, the XXXX late payments listed above are still reported on my credit file inaccurately. These entries are causing harm to my XXXX XXXX and do not reflect the protections provided to me under the XXXX XXXX. 

I am requesting that XXXX XXXX XXXX my account and correct these reporting errors to comply with the provisions of the XXXX XXXX. 



This is ready for you to submit without the personal contact information section. Let me know if you need further assistance!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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
Product: Credit reporting or other personal consumer reports

I have disputed a XXXX account with all 3 credit bureaus 2 times and in the last 3 months. It does not seem to be resolved. They keep accepting the creditors information and not doing a thorough investigation as I have supplied proof with my complaints to show that the information is incorrect and to either remove the account or to fix the issue. 

The XXXX account is not a lease, it is a loan. 
It also is a balance of XXXX and not XXXX. 
It also keeps allowing the creditor to remove and replace the account to my credit multiple times which is causing a tremendous drop in my credit rather.
Product: Credit reporting 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 4 correction/appeal through the credit bureau and also contacted Thunderbird about a collection that I found on my report when I was trying to buy a home. Thunderbird has put this on my account that is my ex wife. We have been divorced for 25 years. She has defaulted on her payments apparently and they have put her bill on my credit line. They have refused to correct it through XXXX. No explanation was given. I can not be held liable for someone I have been divorced from for 25 years. I have no joint account with my ex for anything and XXXX XXXX does not even have me or my name on any record they have. It was a no contested divorce with no children and no property. I was never responsible for any of her bills. This seems to be illegal for a company to put whatever name they want on a bill to collect it. I did contact the hospital and was told I was not on her account.. So the culprit then falls on Thunderbird Collection.
Product: Debt collection

Hello, I received my complaint response from XXXX XXXX, and I have read the information that was sent back to me in which I have questions. I see were it states that yes I did ask if there was an option to pay for delete, and you do no not offer that service. 

I also see were it states that XXXX is NOT reporting to the credit agencys. What do you mean exactly? Do I pay XXXX, and then you report to the agencys that it is paid for? 

Yes I did speak with a person who is a representative ( 1 ) time from XXXX. When you say ( 3 ) times to my line from XXXX in which I did say there were multiple calls to my line that is correct. More than ( 1 ) is multiple calls to my personal phone line. A recorded line should prove and indicate of one recorded phone call with a male representative on XX/XX/2022 like you stated. Only one call. 

I have asked for ( 4 ) items to be sent to my mailing address you have one file. In this complaint, you have sent me ( 22 ) copys of paperwork from First Progress and also including XXXX. I have yet to see a copy of my contract in which I have asked for. I see my billing statement, I see a copy of XXXX XXXX letter and it keeps repeating to the last page. Where is my contract that I have asked for more than once? 

I am trying to work with you to get this resolved in the best way possible. 

Can you tell me what I can do to make XXXX  meet to get this closed account off of my reports? Possible paying 50 %? Please help me get this resolved. 

Thank you.
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX, I was victim of a scam or fraud, I was contacted for a unknown person by Text Message asking me to make some money investing in cryptocurrency and paying me a good commission for my investment and besides that commissions theyll pay me an extra {$500.00} every week, so I accept the offer and then they talked me to create an account with a platform name XXXX, and buy a currency name XXXXXXXX XXXX XXXXXXXX send it over to them, I did follow up the instructions and sent it to them, I did spend about {$1600.00} buying XXXX and after one week I asked for my money commission and they said oh we need you to send more payments in order for you to receive your money, so they asked to send more money and I said no, them I noticed it was a scam and them I called my bank ( capital one ) explained what happened, opened a claim, the bank investigated and denied my claim saying that it was my fault, that I authorized the transaction, so they said not, I explained that I was tricked and scammed but they didnt care about.