23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I found Tuten Title and Escrow to be unprofessional and disorganized in handling the close of sale of our house. These are a few of the issues : * did not return phone calls *delivered check to our door step, where it could have been easily stolen *check did not match closing documents *taxes not paid on time *tax forms never sent to us I made several phone calls in the days prior to the sale to find out how to close from out of town, and they were never returned. It was unclear on where to sign everything on the closing documents, and we had to make some hand written changes for witness signitures. On the day of the sale of the house, I called to get information on when we would receive the check, she said she would email or call me with that information ; she never did that. When it got to the end of the next day, with no response, I called again and left a message, again with no return call. 
After three days, I called and talked to someone other than my closing attorney and she gave me all the info on the phone. Unbelievably to say, it was delivered to my door earlier that day and sitting on my door step. A check for over {$90000.00} was sitting at my door. I was never told when or where it was going to delivered. I had to leave work and pick it up off my door step. 
Later when I opened it and was comparing the check to the documents she sent me, they didn't match. I called to find out what was going on and the attorney said " well, it matches the papers you signed ''. I told her I don't know what I signed because I had sent the closing documents to her, and what she sent me are legal documents and the check needs to match the those documents. She said there was a mistake, and I still do not understand her explanation. She stated she would send me the new documents by email. Then I asked her if she knew how the check was delivered, and she said I made arrangements on how it was delivered. I said no, I was never given that information, how am I supposed to arrange the delivery of documents your send me, and I do not know how to arrange the delivery of packages to my house. 
The property taxes were not paid on time, or even in a timely manner. So a house that was sold in XXXX, didn't get payed until way after the new year, they didn't clear until XXXX. 
They have still not sent the property tax forms for our taxes, form XXXX.
Product: Debt collection

Portfolio Recovery Assoc at XXXX XXXX XXXX XXXX, VAXXXX XXXX XXXXeen sending me collection notices in the amount of {$680.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MULTIPLE ACCOUNTS ON MY CREDIT REPORT THATS INACURATE AND UNFAIR AND SOME ACCOUNTS ISN'T EVEN MINE. THE CREDIT REPORTING AGENCIES SUCH AS ( EXPERIAN, XXXX, XXXX ) HAVE REPORTED THESE INNACCURATE AND FRAUDULENT ACCOUNTS ON MY CREDIT FILE WITHOUT EVEN CONSULTING WITH ME TO EVEN FIND OUT IF THESE ACCOUNTS WHERE ACCURATE OR EVEN MINES.. AS I UNDERSTAND IN PURSUANT TO 15 USC ( A ) ( 2 ) UNDER THE FCRA THEY CANT REPORT ANYTHING TO MY CREDIT FILE WITHOUT MY CONSENT WHICH THEY NEVER DID.. MY CONSUMER RIGHTS HAVE BEEN VIOLATED..
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Verification of alleged debt pursuant to Section 609 ( a } ( 1 ) ( A ). 



This letter is being sent to you in response to a correspondence sent to me on XX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Falr Debt Collection Praciices Act requires that. the consumer disputes the debt or requests identification of the orig inal creditor in writing and that the collector must cease collection until he verifies the debt and mail a response.

According to the Fair Credit Reporting Act. Section 609 { a ) ( 1 ) ( A }. you are required by federal law to verify, through the physical verification of the original signed consumer contract. any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my abiity to obtain credtt. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. 
I demand that the following account be verified or removed immediately :
Product: Money transfer, virtual currency, or money service

The company responded to a previous complaint by quoting part of their User Service Agreement : To participate as a User, you must first enroll with XXXX. You must provide XXXX with an email address that you regularly use and intend to use regularly ( i.e., no disposable email addresses ), a US mobile phone number that you intend to use for an extended period of time ( i.e., no burner numbers ), and we may ask you to provide your mailing address. 
I provided all the requested information, and this company even sent me an email confirming that I was able to enroll for their service. However, after enrollment I was unable to use XXXX to send or receive money. I spoke with two of their reps over the phone just now, XXXX in first level customer support and XXXX in second level customer support. They both confirmed I could not use XXXX, even after I successfully enrolled, because I get free mobile phone service. 
This company policy of enabling users to enroll but then disqualifying them from using their money transfer service disproportionately affects minorities and the XXXX, of which I am both. 
To add insult to injury, this company seems not to be following its own user service agreement, which at first glance seems to enable me to participate in their money transfer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote XXXX and Equifax about the information on my credit report about a bankruptcy on my report and the response I got was it was verified by a 3rd party and not the Bankruptcy courts. I contacted the bankruptcy courts, which clearly state that they do not report to the credit bureaus. I wrote the letter stating that they must remove this because it was not verified or reported by the courts. I sent a copy of the letter from the courts, which backs what I am saying. What sparked this was they said the courts reported this to them. They are refusing to remove this. My XXXX report has removed this item already, but XXXX and Equifax are refusing to do so. I was told it had to be verified by a first party which is the courts. I have the letter from the courts.
Product: Prepaid card

I purchased a Vanilla Visa Gift Card in the amount of {$100.00} in XXXX as a gift to a friend. The card was purchase back on XX/XX/23. My friend tried to use the gift card two weeks ago but the entire security code in the back of the card was missing. It looks like the security number was erased. I spoke to a customer service representative at Vanilla XXXX XXXXXXXX name XXXX, and he asked me for my personal information such as my date of birth, address, etc. After that, he gave me an email address XXXX so I can send a copy of my driver 's license and the copy of the receipt. This sounds like a scam, something similar happens to one of my friends in the past and he was a subject of identity theft.
Product: Mortgage

I refinanced my home loan on XX/XX/XXXX. Newrez, LLC, dba Shellpoint received a wire from the title company in the amount of {$680000.00}. We have proof the wire was received by them. They can not " find '' where they applied the wired money. The money was wired precisely as was instructed by the payoff letter that was generated and it was wired by the title company with proof of the wire being sent and received by Shellpoint. I became aware of this when they called me telling me I was " late '' on my mortgage payment, which had been paid off in full on XX/XX/XXXX. This has led to numerous calls between me and Shellpoint, my mortgage company and Shellpoint and the title company and Shellpoint and Shellpoint has no explanation and their only action has been putting " notes '' in their system about the problem. This is a nightmare. If this is not cleared up by the XXXX I will have it reported on my credit report that I am a late payer. They say when this is fixed they will " back date '' it to the XXXX but at this point I have XXXX confidence in this company. In addition they need to release {$6900.00} to me in escrow funds that should have been released when the mortgage was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to request several disputes and to my surprise was told : The below 8 items were not submitted and need your attention. Unfortunately, they failed to process my disputes and this is my third attempt. Please see the attached documents as proof.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request to Restore Access to Credit Report and Remove Freeze Dear TransUnion, I am writing to express my deep concern and frustration regarding the continued restrictions on my credit report and the inability to remove the freeze online or over the phone. As a business owner, I rely heavily on accessing my credit report to secure funding for my business and personal needs. 

The recent block on my access, despite my previous complaint to the CFPB, has caused significant difficulties and delays in my ability to operate my business. I find it unacceptable that I am being forced to wait XXXX business days to gain access to my own credit report, which is hindering my ability to make important financial decisions. 

Furthermore, I was shocked to hear from your agent that I need to obtain a new social security number, which I believe is an unreasonable request. I request that you send an email to the social security department officials to address this matter and resolve the issue. 

Additionally, I request that you update my credit report with the other major credit reporting companies, XXXX and XXXX, to ensure that my credit information is accurate and up-to-date across all reports. 

Pursuant to Section 605 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to request a freeze on my credit report and to request that the freeze be removed at any time. I am also entitled to receive a copy of my credit report and to dispute any inaccuracies in a timely manner. 

I urge TransUnion to immediately restore my access to my credit report online and over the phone, and remove the freeze to enable me to conduct my business operations smoothly. I also expect prompt updates to my credit report with the other reporting companies. I hope that this matter will be resolved promptly and fairly, without any further obstacles or delays. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

amazon store card was charged for about XXXX dollars for an item that was dysfunctional. returned item to amazon who tells me the card was credited on XXXX/XXXX/2015. Synchrony bank ( the card provider ) does not show credit and says its not their problem. I guess this is business in this country now. Charge anything and just assert your right to collect the money.
Product: Credit reporting or other personal consumer reports

UPON ME LOOKING AT MY CREDIT REPORTS I NOTICED A CAR LOAN THAT WASNT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX {$8900.00} XX/XX/2020 ) XXXX  XXXX XX/XX/2020 ) XXXX XXXX  report a late payment on XXXX ) XXXX XXXX ( finance ) XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : IT also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I called Carmax in to offer a settlement for the {$2900.00}. They could not accept my offer on XX/XX/year>. They then updated my credit report to show $ XXXX charged off, even though XXXX paid $ XXXX for the amount they claim was charged off. The update from XX/XX/year> to my credit report indicate that the remaining balance {$2900.00} was written off. If this amount was written off then I should have received a cancelation of debt.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appear on my credit report, breaching 15 USC 1681b ( c ) ( 2 ) and harming my credit. I request their removal. Thank you.
Product: Bank account or service

Am Having a Problem with TD Bank charging me several Overdraft fee the problem started XXXX/XXXX/2015 There was a checked that was deposit into my account For The Amount {$34.00} and the checked was return due because they where no funds on the account so first TD Bank charges me and over draft fee {$100.00} wish posted on XXXX/XXXX/2015 and then they charge me another overdraft for {$35.00} Dollars on the account due beacuse of the check was not valid and they where no funds on the account am really fustrated of this scam td bank i been paying then overdraft fee for each transaction and they are not willing to cover or ajust the overdraft fee of {$35.00}
Product: Credit reporting or other personal consumer reports

These two accounts has moved past the statute of limitations in North Carolina. In North Carolina, the statute of limitations for debt is three years from the last activity on your account.These accounts should longer report to my credit report. Please delete these accounts : XXXX XXXX Account # XXXX Date of Last Activity XX/XX/2018 XXXX  XXXX Account # XXXX Date of Last Activity XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. US DEPT ED XXXX {$920.00} XXXX XXXX   XXXX {$200.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX   XXXX {$20000.00}
Product: Checking or savings account

On XX/XX/XXXX I made an online payment of {$210.00} to my Doctor, XXXX XXXX, MD. 
I set her up as a vendor in my payment list as I always do with her billing address, my account number etc. 
In XX/XX/XXXX I received a statement from the Doctor 's office showing the {$210.00} as outstanding. I called the Doctor 's office right away to tell them a payment did go out. They told me they never received it. 
I called Chase Bank because I could not get a proof of payment online. In the past I could always get proof of payment. On this particular transaction in XXXX I noticed there was no trace number. Chase Bank told me I could get the proof of payment at a local branch. 
I went to my local branch but all they could do was print the amount coming out of my account, nothing to prove the payment was sent out. 
Throughout XXXX, XXXX, XXXX and XXXX I spoke to various departments at Chase Bank - to no avail. I was told by one person to call back and ask for a supervisor. I was told by another that they would mail me the proof of payment. Never received it. Everyone I spoke to agreed it was unusual to have no trace number on the transaction. The funds were taken from my account but never sent! There was no proof of payment because the payment was never sent! If I had written a check myself I would have been able to void the uncashed check and the funds would have been returned to my account. 
In XXXX my Doctor 's office was going to put me into collections so I used my Chase debit card to pay the bill over the phone. I have now paid twice! 
Chase Bank took my {$210.00} in XX/XX/XXXX and will not give it back. My attachment is a printout for online banking showing 1. the payment activity for XX/XX/XXXX, showing the payment of {$210.00} and 2. showing the " proof of payment '' without a trace number and 3. showing the proof of my 2nd payment to the Doctor on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. To remove personal information that I don't want and shouldn't be on my account. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate XXXX XXXX XXXX NA # XXXX. The Last date of Activity, Payment Status, Account Type - Detail shows " CREDIT CARD '' on Experian while the XXXX and XXXX is " REVOLVING ACCOUNT '' and a FCRA violation. Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

My identity was stolen in XX/XX/2023 and 6 fraudulent inquiries were placed on my Equifax credit report. These fraudulent inquiries are negatively impacting my credit score and credit profile. After filing an FTC Identity Theft report and working with an identity resolution specialist, I submitted the FTC report and dispute to Equifax. Equifax failed to remove the fraudulent inquiries and stated the result of their investigation was : The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY.
Product: Debt collection

Debt collectors calls me daily, and send text messages daily, despite making payments monthly Im being constantly harassed, they wont settle for lower amount despite me telling them that Im not working cant pay off amount they want
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen I did an form with identitytheft.gov I have the PDF multiple accounts was open in my name with credit cards and auto loans and multiple hard inquiries that I didnt authorize my wallet was stolen with all my identity information like social security card and driver licenses and more also there are multiple addresses and employment information and phone numbers on my credit report thats not mines everything is fraud
Product: Debt collection

I havent heard anything in a couple weeks. The last thing I heard was that the company would check into the bankruptcy and dismiss the debt if they found the bankruptcy case. I even provided the case number. Which is # XXXX XXXX. I even sent an email to the manager at Outsource Receivables management and no one responded.
Product: Money transfer, virtual currency, or money service

Hi there. 

In XXXX of last year, a former friend I helped start their business with committed credit card fraud and was able to make a chargeback through PayPal two months after paying me. Their claim violated Paypal 's terms, yet PayPal allowed the chargeback from the financial institution. I provided proof of completion of my services to this friend even though they claimed products weren't received and services, even though they are still using the imagery/brand direction I created. I provided all of this to PayPal. I spent months calling Paypal for updates and they gave me none until I called XX/XX/XXXX and they said the financial institution ruled against my favor. The financial institution took several months to make a decision, and decided in favor of my former friend, the fraudster. I asked PayPal as to why they made this decision and PayPal said they could not tell me, yet advised me to take this person to small claims court outside PayPal. I said I would need to know why their institution ruled against me and they said they could not tell me. I asked to talk to the financial institution or someone who works on these cases for PayPal and they said they could not do so. They expect me to simply accept this arbitrary judgement and leave me in debt to PayPal {$4200.00} even though funds were released to me months and months earlier with no problem and they will not give me any reason for the verdict. They said that since it was a personal payment, even though the chargeback claim was for a good or product not received, I did not have seller protection so they couldn't defend me, even though that allowed the fraudster to make a chargeback through their institution. They mentioned as well this happens with 30-40 % of personal payments and PayPal simply accepts the financial institution 's judgement and can not disclose why or why the decision was made by the institution. This company and individual is still using my imagery as well and I provided the dated screenshots to PayPal. I have attached my invoices and screenshots described above I sent as proof.