23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to you today to file a complaint against Shellpoint Mortgage Servicing, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. My loan number is XXXX. 

On XX/XX/2023, Shellpoint placed force-placed insurance on my home because they did not receive proof of my existing insurance policy. I immediately provided them with proof of insurance on XX/XX/XXXX, but they have not yet removed the force-placed insurance or refunded me the premiums that I have paid. 

It has now been 25 days since I provided them with proof of insurance, and they have still not taken any action. This is a clear violation of 12 CFR Part 1024.37, which requires them to remove force-placed insurance and refund the premiums within 15 days of receiving proof of valid insurance. 

I have tried to contact Shellpoint on several occasions to resolve this matter, but my calls and emails have gone unanswered. I am now forced to file a complaint with the CFPB in order to get my issue resolved. 

I am requesting that the CFPB investigate this matter and take appropriate action against Shellpoint. I am also requesting that the CFPB order Shellpoint to remove the force-placed insurance from my home and refund me the premiums that I have paid.
Product: Checking or savings account

I had a Wells Fargo checking account from when I was XXXX  until I was in the middle of completing my XXXX XXXX and routinely had my withdrawals structured and delayed so that they would overdraft my account and ensure a fee. 

I attempted to contact Wells Fargo to dispute the late fee and was told by customer service that despite all of the charges being put into in a relative order to ensure the funds were present they directly restructured the payment schedule and I was unable to request the late payment be forgiven because I had requested too many be forgiven in the past.
Product: Money transfer, virtual currency, or money service

I XXXX Sulejmani.enter the Commerces bank XXXX XXXX XXXX XXXX XXXX Kansas XXXX, on XX/XX/2023 around XXXX - XXXX I came in the bank to cash a cashier check with a customer copy for XXXX dollars. I then gave them the check and they took it to verify the check. came back to me and gave me a photo copy and claimed my check was fraud. I got the check from my cousin XXXX XXXX who banks with us bank on XXXX XXXX XXXX XXXX Iowa XXXX they then closed my account and took the check from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlywarnings services is in violation of 15 USC 1681 by reporting a XXXX  XXXX XXXX account that is notsupported by any evidence. I have submit a letter requesting method of verification to them pursuant to 15 USC1681i ( 7 ). I specifically asked that they verify this account by producing the orginal promisary note with a wet signature, but they have not been able to do so.I also requested that they provide me with details on who conducted the investigation and how did they conduct it, unfortunately my efforts have been fruitless. I spoke to an agent of earlywarnings services by the name of XXXX via phone on XX/XX/2022 at XXXX PM. XXXX notified me that despite XXXX  XXXX XXXX reporting innaccurate information, early warning will still continue to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 12 accounts on my credit report that do not belong to me I have been disputing these since XXXX of 2020 this is causing me great anxiety and I am getting irritated that the credit bureaus are reporting wrong information I have not received anything back from the bureaus reagrding this complaint XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX Acct # XXXXAmt {$1200.00} XXXX XXXX XXXXXXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX XXXX Acct # XXXXAmt {$0.00} XXXX XXXX XXXX Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXAmt {$0.00} US DEPARTMENT OF EDU - Acct # XXXXXXAmt {$0.00}
Product: Credit reporting

I have contacted Equifax about removing incorrect addresses that do not belong to me. I have asked for the following address to be removed, where I have never resided:XXXX XXXX , MA XXXX. I have never lived in XXXX, MA. I have lived at my present address, XXXX XXXX XXXX, XXXX, MA XXXX, for the past XXXX years and XXXX, MA, before that.
Product: Credit card

Payment made on XX/XX/28 of {$130.00} but wasn't enough to cover my pending order with XXXX XXXX. Called back and was told the {$500.00} payment that was going to be made with Synchrony Bank would not be applied for 10 days unless I increased my credit limit. I told him no thank you and he took my debit card information for the {$500.00} payment. As of yesterday, XXXX, the {$500.00} and possibly the {$130.00} payment has not been applied to my XXXX XXXX Account Credit Card and the order is still pending even though I have gone below my credit limit with these XXXX payments of {$130.00} and {$500.00}. Both of these transaction were made with my bank debit card and were taken out of my checking account immediately.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate information about this item on my credit report. Under FCRA I request you close all current and previous investigations regarding this item as well as remove all dispute comments associated with this item.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX  have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX, XXXX XXXX XXXX XXXX  on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I XXXX proceed with my life, or I XXXX be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not removed any of the inquiries posted on my credit report. They are posting that I submitted for a loan this year which is false. 

Also there are collection accounts posted on my credit report thats are inaccurate and I would like them to be removed.
Product: Credit card or prepaid card

I purchased a 78inch Samsung TV from XXXX XXXX XXXX, account # XXXX. I paid this account off in full in the amount of {$5500.00}, which is approximately {$1300.00} more than I owe. This account was paid by check from refinance of my home by check # XXXX and cashed by Conn 's on XXXX XXXX, XXXX. To date, Conn 's is still not credited my account with this money and is currently pursuing collections and making negative marks on my Credit Bureau!! I have called Conn 's on a dozen occasions and they continually call me, text me, mail me collection notices telling me I owe months in arrearages with my account! They tell me it could take 3 billing cycles for this to correct and nothing they can do. The mean time, my credit suffers, I 'm harassed and missing {$1300.00} they owe me! I have reported them to the Better Business bureau, Federal Trade Commission, and now your agency. Please help me. I also bought a Refrigerator in XXXX of XXXX and they are reporting my credit that I was late to pay when I had n't even purchased the Refrigerator at that time. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX in XXXX, MI to inquire about purchasing a vehicle. They ran a credit check for a loan to see what my financing options were, only to be denied by XXXX XXXX  because XXXX XXXX XXXX reported my credit score as XXXX. My credit is very good ( high XXXX ) and this company should not be allowed to operate. One of their reasons behind the low score was distance between address and area code of phone - absolutely ludicrous. This company is nothing but a scam to try to obtain personal information. I dont know why the bank would find them reputable in any capacity.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card

In accordance with the Fair Credit Reporting act PayPal Credit account # XXXXXXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights 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 consent. 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason. I have not been conspicuously informed of my right to opt-out of such disclosures, contrary to 12 CFR 1016.7
Product: Credit reporting or other personal consumer reports

Ive already disputed this serval times before. Ive worked for the XXXX  12 years its should be forgive I did proper paperwork. They reported on my credit XXXX
Product: Debt collection

This account was paid and I was never late on this account. This should be updated to paid as agreed on time. I always pay on time and never was late.
Product: Credit reporting or other personal consumer reports

I hope this communication finds you well. I am writing to formally dispute the erroneous late payment reporting on my credit file by XXXX XXXX Account number : XXXX In addition to the misrepresentation of my credit history, I am gravely concerned about the violation of my privacy rights under relevant federal statutes. As a responsible and conscientious consumer, I have consistently adhered to the terms of the billing schedule provided by XXXX XXXX and ensured timely payment of my obligations. However, my diligent financial practices have been undermined by the inaccurate reporting of a late payment for the billing cycle ending on XXXX XXXX. I assert that my payment was made on XXXX XXXX, well in accordance with the specified due date in the billing schedule provided by XXXX XXXX. In support of my claim, I am providing concrete evidence of my timely payment, including bank transaction records, payment confirmation receipts, and a comprehensive screenshot of the creditor 's billing schedule. The Fair Credit Reporting Act ( FCRA ) explicitly mandates that creditors report accurate and verifiable information to consumer reporting agencies. The unauthorized disclosure of inaccurate information on my credit file violates my rights to privacy, as protected under the FCRA. Additionally, the violation extends to the provisions outlined in the Gramm-Leach-Bliley Act ( GLBA ), which safeguards consumers ' non-public personal information, including financial data. Furthermore, this erroneous reporting is in direct contravention of the Equal Credit Opportunity Act ( ECOA ), which stipulates that creditors must not discriminate based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. The potential adverse impact of this erroneous reporting on my credit access may unduly and unfairly limit my opportunities, which is a clear violation of my individual rights protected by the ECOA. I am hereby urging the CFPB to conduct a thorough and expeditious investigation into this matter, ensuring strict adherence to my rights as a consumer under federal law. I implore the CFPB to take immediate and appropriate action to rectify the erroneous late payment reporting on my credit file, thereby safeguarding my individual rights and rectifying the unjust consequences that have resulted from the said inaccuracy. In addition to a swift resolution of this dispute, I earnestly request written confirmation of any corrections made to my credit report, thereby reinstating my fair and accurate credit standing. In conclusion, I beseech the CFPB to uphold its duty to protect consumers ' rights and interests by initiating a comprehensive investigation into this matter. The correction of this error, as well as a written acknowledgment of such correction, is essential to safeguarding my individual rights and maintaining the integrity of my credit profile. I eagerly await your prompt response and assure you of my full cooperation in the investigation process. Enclosed with this letter are the requisite supporting documents for your reference and verification.
Product: Debt collection

I supposedly had a debt from the early XXXX in which this company Schreiber Law LLC XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX phone number listed is XXXX is claiming I still owe and they are collecting from a credit card company. The debt is so old I dont even remember owing it. Next thing I know I was taken to court for a debt that is over 20 years old I panicked in court because I felt intimidated and agreed to make payments on the debt that I was told I would get all the information on the debt which this company still has not provided. Ive paid over {$400.00} on the debt but my balance is still the same it never goes down and Ive made several attempts to contact the company but never can reach a person Ive left several messages but still do not get a response. Ive contacted them to ask for the proof I was told I would receive to prove its my debt and calls and messages go unresponsive. I have recently lost my job and contacted them and actually got a live person for once in my life and explained to them the whole situation that I never received the proof and my employment situation was then told my agent would be told and would be in touch now Im getting letters stating action will be taken for non payment even though I spoke to someone and explained my situation. Now I am feeling like this company is a scam because they never call me or send proof of the debt. I was told after so many years the debt can not be collected. They take my money but the debt amount is still the same after paying on this for 2 years. No one ever answers the phone and I feel this is a scam. I ask for answers and proof of this debt but dont get anywhere but I paid because I was afraid I would go to jail because I did agree to pay in court. This debt isnt even on my credit report so I am in desperate need to know what the next steps are for me I need answers and help to figure out if this company is even legit. Please help because I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX are not allowing me to access my credit reporting to make updates or dispute actions. 

FCO collections is not mine. I have requested that this be removed. FCO failed to provide me with a contract stating that I owed the debt to XXXX XXXX. I provided all parties necessary the legal court order saying I didn't know the money, I only owed attorneys fees. 

The only things that should be on my credit report are the following : XXXX XXXX Accounts : Student Loans : I have all the letters submitted to agencies and the letters requesting verification of debt. Which includes debt with my signature on it agreeing that I owe the debt of obligation. None was provided and I sent a letter to both parties disclaiming the unverified debt. 


All of my credit reports are in accurate. My Experian Report is the most accurate and the most update.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX # XXXX XXXX, WI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance XXXX {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$960.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$1900.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$960.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$960.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$1900.00}
Product: Debt collection

I received the letter I have submitted today from a company called XXXX. It says the original creditor is Beneficial ( which I have never had an account with ), and I owe them over XXXX. I would like to see the original credit docs that I signed to obtain this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific inquiries in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries listed below : XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX, XXXX - XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Debt collection

Ask for verification of debt with a written letter to company and never received anything