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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TN XXXX XX/XX/year> FOX COLLECTION CENTER XXXX XXXX XXXX, XXXX TN XXXX ACCOUNT NUMBER : ( XXXX ) ORIGINAL CREDITOR : XXXX XXXX  EMERGENCY PHY Subject : Cease and Desist Request for Deletion of Collection Account Dear FOX COLLECTION CENTER, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights. under 15USC1681 SECTION 602 States I have the right to privacy. 15USC 1681 SECTION 604A SECTION 2, It also states : A consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B States A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Creditors are XXXX XXXX XXXX  as of XXXX LVNV as of XXXX. XXXX XXXX XXXX  as of XX/XX/
Product: Mortgage

Very long story, but I will try to make it as short and simple as possible. 

I have a loan on my home that started out several years ago as a Home Ownership Accelerator ( HOA ), sort of like a HELOC and I think the Company was XXXX, or maybe XXXX. 

Years later the HOA was acquired by Specialized Loan Services ( SLS ) and more or less became a HELOC.

SLS did a pretty good job handling our loan. But earlier this year, SLS transitioned into, merged, or was bought by Shellpoint. 

I believe that Shellpoint took complete stewardship of our loan by XX/XX/XXXX. 

I was watching my statements and noticed that they were missing five ( 5 ) of my payments that I had sent to them.

Three of these missing payments included paychecks, sent two weeks apart and each in the exact same manner as the other. Two included ACH transfers from my personal credit union.

After hours on the phone with Shellpoint and various emails, Shellpoint sent me an email to say that they found 4 payments and that there was no error.

They found two of the paycheck payments ( on July 12 and 26 ) and my two personal ACH transfers.

However, they could not locate my August 9 paycheck deposit of {$3100.00}. I have made numerous phone calls, sent numerous emails, and followed up with both email and phone calls. Shellpoint never responds with any updates unless I first call them. And usually, they just ask for more information.

Our company uses a PEO ( professional employer organization ), so our pay checks don't come straight out of a company account.

I have provided them with wire transfer confirmations. then they ask for a copy of our bank statement to show when and where the money went. That is just not possible for me to do. Our PEO processes thousands, of paychecks every month, I have asked and they can not provide me with a bank statement showing me where/when that transfer took place. 

I'm really not sure Shellpoint has done anything. Like I said earlier, they do not call me to follow up, or give me updates, I have to call them. They are very incompetent. Read their reviews on XXXX, they have probably 90 % + XXXX star reviews over the last XXXX months. 

They have misplaced my paycheck, I have never had to put in so much overtime to earn my standard paycheck. I would like that money returned. I have been paying extra interest on that money that Shellpoint has misplaced. Not to mention the many hours I have spent trying to do their job, I should have an hourly compensation for all of this work I have had to do. 

I am not certain this is the only missing money, I need to take a closer look to see if anything else is missing. 

Can you help me?
Product: Credit reporting or other personal consumer reports

These perpetrators created fraudulent identity documents such as a fake ID and other fake documents to secure a loan in my name and make payments on the loan accounts. My identity has been stolen and compromised ; this is the 6th notice I have sent this company with all supporting evidence and documentation. I will be suing for assisting and adding in the opening account, and furnishing fraudulent data on my consumer credit report, this company did not take the proper steps to help protect my consumer report and properly investigate this matter. 

Under the FCRA, 15 U.S. Code 1681b, consumer reporting agencies may furnish a consumer report only under specific circumstances, such as with the consumers written consent or in connection with a credit transaction initiated by the consumer. I did not provide my consent for the release or sharing of my personal information related to these accounts, nor did I initiate any credit transactions with the entities listed. 

Furthermore, 15 U.S. Code 1681c requires that consumer reporting agencies ensure the accuracy and privacy of consumer information. The unauthorized disclosure of my information not only violates this statute but also exposes me to potential identity theft and other forms of financial harm. 

I request that you take the following actions : 1. **Conduct an immediate investigation** : As required by 15 U.S. Code 1681i, I request that you investigate these unauthorized entries on my credit report.

2. **Remove the disputed entries** : If the investigation finds these entries were indeed unauthorized, they must be promptly removed from my credit report.

3. **Provide written confirmation** : Send me a written confirmation that the unauthorized entries have been removed from my credit report. 

Please consider this letter as a formal complaint and take all necessary actions to resolve this matter within the 30-day timeframe stipulated by the FCRA. Failure to do so may result in further legal action to protect my rights. 

Thank you for your prompt attention to this serious matter.
Product: Student loan

I made payments on my federal student loan which was with XXXX during the XXXX pause. These payments totaled > {$92000.00}. The remainder of my loan was ultimately forgiven by XXXX. I requested a refund for the payments I made during the COVID pause in XX/XX/XXXX ( before the deadline of XX/XX/XXXX ). There is documentation of this via XXXX. My loans were then transferred to Mohela, and the refund was never processed. I have spoken extensively with both XXXX and Mohela. Mohela got all the information regarding the payments I made during the XXXX pause and has that documentation. When I last called Mohela, they said that the XXXX XXXX XXXX would issue the refund, as the remaining balance of the loan was forgiven, and no longer with them and the account was closed. I have not received the refund or any response from XXXX XXXX XXXX despite filing a complaint. 

I previously submitted a complaint through this website, and later it said the company had responded, but there was XXXX communication to me and the issue was never resolved. So now I am doing the same thing all over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Inaccuracies, incorrect, amount, dates, also reported status the vehicle was totaled not a repossession. 
Hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A coupe of the inquiries were removed by the original creditor letters was sent to myself and XXXX, Experian, & XXXX as well as creditor. They refuse to remove and delete they also remove persolve and add back multiple times each month causing me not to be credit worthy as I am. I am doing this with good intentions and faith. I would like XXXX for rack illegal accusations & negligent matter hurting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681c ( b ) and 15 U.S.C. 1681 b ( a ) 2 without my written instructions my XXXX account the number is XXXX .... 

on XXXX it shows balance is {$0.00} on XXXX  it shows {$4800.00} on equifax is shows {$4800.00} date opened on XXXX  it shows XX/XX/2016 on XXXX  it shows XX/XX/2016 on equifax it shows XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PenFed ( Pentagon Federal Credit Union ) has added a 120 days late account to my credit report for an account that I do not even own. Here are the details : reported date : XX/XX/21 account number : XXXX amount delinquent : XXXX payment status : late 120 days I previously reported some fraudulent credit reporting by penfed for payments that I had in fact made and they processed however nothing was done about it. This further highlights their inability to accurately manage their business.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> USCB AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Dispute and FCRA Violation Notice Regarding Unauthorized Sale of Social Security Number and Request for 1099-C Form Dear USCB AMERICA, I am writing to formally dispute the unauthorized sale of my personal information, specifically my Social Security number, to secondary creditors. As a consumer, I am entitled to the protection and privacy of my personal information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
It has come to my attention that my Social Security number was shared with third-party entities without my explicit consent, which is a direct violation of my rights under the FCRA. This unauthorized sharing of my sensitive information not only breaches my privacy but also puts me at a heightened risk of identity theft and other fraudulent activities. 
As stipulated by the FCRA, I am entitled to : 1. The right to be informed if information in my credit report has been used against me.

2. The right to know what is in my file.

3. The right to dispute incomplete or inaccurate information.

In addition, I am aware that I have the right to a copy of the 1099-C form that was used for tax purposes in the event of debt monetization using my Social Security number. It is particularly concerning when such monetization has occurred without my permission, either by the original creditor or by any purchaser of the debt from the original creditor. The issuance of a 1099-C form has significant tax implications for me, and I am entitled to all documentation related to this action. 


I demand that you immediately : 1. Cease any further sharing of my Social Security number and other personal information with secondary creditors or third parties.

2. Investigate this unauthorized disclosure and provide me with a detailed explanation of how my information was shared, including the names of all entities that have received my information.

3. Confirm that my Social Security number has been removed from any databases accessible to secondary creditors or other third parties.

4. Provide me with a copy of the 1099-C form related to the debt monetization using my Social Security number.

5. Delete Account From credit report Please consider this letter as my formal dispute of this violation. I expect a prompt response, including the steps you will take to rectify this situation, within the 30-day period as required by the FCRA. Failure to comply with these requirements will leave me no choice but to pursue further legal action to protect my rights. 
Please send all correspondence regarding this matter to the address listed above. Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Mortgage

Dear Sir/Madam, My name is XXXX XXXX XXXX XXXX My late husband 's name is XXXX XXXX XXXX and he's the one who owned this equity loan. He's gone for almost XXXX years. He pays XXXX  monthly when he is still alive and when he made an accident and no longer working he made it XXXX  monthly. So far, there's no problem with this. If I have extra money I gave more for the principal So far, ever since I did not encounter a problem, only this time... The last record I gave an advance payment for the principal was XX/XX/XXXX the amount of {$860.00} dollars. On XX/XX/XXXX I went to the Berkshire bank in XXXX XXXX XXXX, XXXX, MA. XXXX. From the entrance I went to the left hand side and grab XXXX loan slip and wrote down XXXX XXXX XXXX and in words, " XXXX XXXX dollars '' in numbers {$1000.00} dollars. I placed the loan slip on top of the money. and I went to the lady, XXXX and she set aside the slip and count the money by hand and put in the counting machine. After that she gave me a XXXX pages which I thought a receipt. Until I received a monthly statement dated XX/XX/XXXX till XX/XX/XXXX and how come the balance is still XXXX XXXX instead of XXXX, XXXX XXXX. I called the bank at once and went there. I spoke with XXXX and he opened his comp. and take a look and he said there's no XXXX dollars in their records and started to get nervous and upset and then left. That was Wednesday XX/XX/XXXX. And so I went in the other branch and spoke with XXXX, the manager and relate what was happened and he said he will talk to XXXX and call me. I did not get any call from them and so I went back to XXXX Monday XX/XX/XXXX I swear to God I gave XXXX dollars to the lady and her name is XXXX. Like I said, I swear to XXXX it's really true I gave to the lady XXXX dollars and she counted it and put in the counting machine. Why did she give me a " Transaction History, instead of receipt of the XXXX dollars? ". I called the Head Office number and left a message. The following day she called me and told me that the reason why I was there is to asked a transaction history. And I told her I did not go there to ask transaction history and to tell you honestly, this is my first time to see this and why will I go there to ask that, the fact that I am getting a monthly statement so I know how much I still owe. I am writing what was happened in Berkshire Bank and hopefully, you can help me to solve this problem because the XXXX XXXX dollars is already big amount for me. And I really swear to God, am a XXXX and I don't like people who take advantage and people who are dishonest. So, please help me to solve this problem. Thank you very much and have a wonderful day! Respectfully yours, XXXX XXXX XXXX This was my first letter I have submitted, but I was not here when you replied me back. I was in California to meet my family. Now, I'm back. And so I want to continue this issue. Also, I have noticed that the proof I have download is not right and this is the correct one. And hope you can help me.Thank you again! XXXX XXXX XXXX.
Product: Credit card or prepaid card

My name is XXXX XXXX. 

I purchased two roundtrip flights through Amex Travel with departure date of XX/XX/2022 and return date of XX/XX/2022. 

The flight was from XXXX to XXXX XXXX with a layover in XXXX. We get on the plane on the XXXX XXXX  XXXX and landed in XXXX where our flight was canceled. So we had to get a hotel and wait for the next morning to get on the flight we were rebooked too. That flight was canceled and subsequently the next 4 flights we were rebooked too. We never ended up getting to go to XXXX XXXX. We got stuck in the XXXX airport until the XXXX where they finally were able to get us a ticket back to XXXX. 

All I have been trying to do since XX/XX/XXXX is get my refund for the tickets I purchased that I could not go too. I am going to look pass the countless XXXX I had to take back and forth from the hotel and airport due to the airlines canceling the flight each time 10 mins prior to the flight flying out. 

I have been calling Amex for the pass month trying to resolve this they keep putting me on hold, transferring me to someone else, they put me on hold, transfer me to someone else and then eventually I get stuck on hold with no one returning to the phone and I have to repeat the whole process. I have this feeling they are doing it on purpose. 

They are wasting my time, stealing my money, and not trying to reconcile the issue.
Product: Debt collection

The collection agency has engaged in false misleading practices violation of fdcpa 807. Additionally they have provided forms violating fdcpa 812. They also failed to provide me with required written notice in five days in advance
Product: Debt collection

To whom it may concern : IQ data international This complaint is regarding account # XXXX, which you claim I owe {$4700.00} for a collection account. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collections agency can not place a collection on a consumers report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the CFR, FCRA and FDCPA : therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Mortgage

After receiving a flood insurance payout from FEMA, Chase Mortgage seized our payment and required us to sign up through Insurance Claim Check to receive payouts. After months of being re-victimized by excessive regulations and paperwork, as well as a barely-functional website we 're encouraged to use, the work is done and we have moved back in, only because we were able to borrow money to pay our contractor while we waited for Chase/Insurance Claim Check. Our final payment requires a " 90 % inspection. '' I have been trying to schedule the inspection for a month. The maximum wait is supposed to be six business days.
Inspection scheduled online : XXXX/XXXX/XXXX Calls to customer service : XXXX/XXXX/XXXX ( inspection rescheduled ), XXXX/XXXX/XXXX ( told to wait one more business day ),  XXXX/XXXX/XXXX ( told an email would be sent to inspector ), XXXX/XXXX/XXXX ( told a personal email would be sent to inspector ), XXXX/XXXX/XXXX ( spoke with supervisor " XXXX '' and told that she would change vendors and call me personally on XXXX to make sure we had been contacted. I was never contacted by the inspector or XXXX XXXX, XXXX/XXXX/XXXX XXXX told everything would be done to make sure I was contacted in five business days.
Product: Debt collection

Portfolio Recovery Associates has been harassing me about a credit card debt that is about 10 years or older. The debt doesn't even show up on my credit report anymore and the first thing they say when I answer is legally they can't do anything to collect the debt and can not sue me as the statute of limitations has passed. Then they proceed to say that morally I'm obligated to pay a debt I owe. This is just basic business at this point. I '' m not going to pay a debt that they have no legal recourse to collect and can't impact my credit history negatively.
Product: Checking or savings account

I am a XXXX citizen with dual XXXX XXXX. A hold has been exposed to all my accounts. On Monday, XX/XX/year>, I reached the local branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I signed the form that declares I have no relation with the Iranian government, despite insisting on the receipt from the bank upon giving the asked document. The banker XXXX XXXX XXXX and XXXX XXXX XXXX XXXX refused. I was told within three days they remove the hold. Today on XX/XX/XXXX XXXX after XXXX days I referred to the Bank, the manager said they could not help me and her banker is on vacation. 
This situation posed by Wells Fargo cost me a lot of trouble, losing time and money in worth of {$2000.00}. I appreciate if you could follow up on my complaint. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/18 at XXXX XXXX I transferred {$120.00} using XXXX through my bank account ( USAA ) for a concert ticket to XXXX XXXX XXXX and never heard from him again. Contact my back ( USAA ) for a refund they submitted a request for refund to his bank.