23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX of 2024, I believe, the servicing of my XX/XX/XXXX was transferred from XX/XX/XXXX XXXX to SHellpoint Mortgage Servicing. TheXX/XX/XXXXis in its 10 year repayment period. I noticed when making my payment that the majority of the payment was going to interest, rather than principal. I contact Shellpoint and described the problem. From what I understand, they had set up the servicing as though it were a 25 year amortizing loan. I told them that this is not correct. They asked for documentation, so I uploaded to the account, the modification agreement changing the loan from being in its draw period to its repayment period. I called them back the following month to see if they rectified the problem. They acknowledge receipt of the documentation and asked that I call back the following month. The following month, the same thing. This time they said they would be contacting me. They never did. Mind you, I have been making my monthly payments every month. Finally, in XXXX I believe, they acknowledged their error, but still had not fixed it. XXXX, XXXX, I called back. Same thing. I was able to make my payment online. Then in XXXX I received a modification package. I said that I asked for this hardship modification. They were asking me to attest to a lie. I called them and told them that they created the problem, that it had been previously modified to be in the payback period, and that I would not attest to something that was untrue. The following month, when I went to make my payment, I was unable to do so online. I called Shellpoint and made the payment over the phone and let them know that I was no longer able to make the payment online. They said that the payments were now being applied correctly. I asked if they went back to the beginning of this issue to make sure the principal was applied correctly from the get-go. They were not able to tell me this. Same thing in XXXX, can not make the payment online, made the payment over the phone. I was told they would take the payment but they were not being applied while they sort this out. I pointed out that they previously told me the account was corrected. I was also told by the representative that they would be calling me back the following week. They never did. Now, I received a letter from Shellpoint that I was in default. I have never missed a payment. I am livid. Shellpoint does not seem to care that they caused the problem, and are now exacerbating the problem by telling me I am in default. I asked the representative I just called, XXXX XXXX, to be transferred to the Office of the Presidnet and CEO. I was told I would have to request this in writing. Please help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX. **Incomplete Data : ** - **Status** : There is no status provided for the account ; this field is blank.

- **Company Sold** : The field seems incomplete. It could be missing details such as the name of the company that purchased the debt, if it was sold to another entity.

- **Balance** : While the balance shows " {$670.00}, '' it's unclear whether this was the original balance, the balance after settlement, or the remaining balance at the time of reporting. 
- **Terms** : The terms are left empty. This usually includes information like the payment terms, such as " 12 months '' or " revolving. '' 2. **Inaccurate or Unclear Information : ** - **Paid Off** : The statement " Account paid in full for less than full balance '' suggests that the debt was settled, but the report does not explicitly clarify that the balance is now {$0.00}. If it was settled, the balance should reflect {$0.00}.

- **Last Payment Date** : The last payment is marked as " XX/XX/year>, '' but the " Balance Updated '' date is " XX/XX/year>, '' which could suggest the balance wasnt updated immediately after payment. 
- **Responsibility** : The term " 1 Month Individual Responsibility '' seems confusing. Typically, responsibility would state whether the account is " Individual '' or " Joint, '' and " 1 Month '' may not be relevant here.

- **Debt Buyer** : If the account was sold, the name of the company that bought the debt is missing.

3. **Consumer Statement** : - The phrase " ITEM IN DISPUTE BY CONSUMER '' indicates that this account is disputed, but there is no further information regarding what is being disputed or the resolution status. It may be helpful to clarify whether this is still under review or if the dispute was resolved.

Ensuring that these details are complete and accurate on a credit report is essential for clear and accurate reporting. If any of this data is inaccurate, it might warrant correction through the appropriate reporting channels.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found an erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the stated item below : XXXX XXXX Balance {$0.00}
Product: Debt collection

The company is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. A few years ago they started sending me letters and calling me about a previous debt, now from over 15 years ago, that I did pay off. In their letters to me, they gave a website and postal address to let them know to stop contacting me. I used the online method first, got a response that I would not hear from them again. About a year later, started receiving letters, wrote them a letter that time, again received a response they would no longer contact me. That was about 3 years ago, have not heard anything. Threw out their letters months ago. Now the letters have started again. Called their XXXX #, talked to an XXXX ( she refused to spell it ) XXXX. She said she would stop the harassment, I obviously do not believe her. I want this to stop immediately with no other contact with me again.
Product: Debt collection

Capio Partners reported on XX/XX/XXXX  a fraudulent debt on XXXX XXXX XXXX in the amount of {$900.00}. I have no idea whos debt it is after reading further it states XX/XX/ A Charge or debt was placed on my credit. Again I have no knowledge of the debt and would like to dispute the debt and have it removed immediately. According to the fair credit reporting act inXXXX we as citizens in the United States have a chance to verify and dispute any debt we fee ; we incurred. I take my credit seriously its is a XXXX XXXX XXXX and would like to continue in the right direction with no fraudulent distractions. My address is XXXX XXXX XXXX XXXX XXXX Florida apartment XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information XXXX  XXXX XXXX {$390.00} XXXX XXXX XXXX These credit accounts and collections are the results of identity theft and fraud.
Product: Debt collection

I noticed a debt from CCS Collections on XX/XX/2023 stating that I had a debt that they are collecting on I asked CCS Collections do they have a purchase agreement from the original creditors XXXX XXXX  to legally collect on the debt and place it on my credit report according to the Fair Credit Reporting Act. They told me they dont have a legal agreement to collect on the debt and that they are affiliated with XXXX XXXX to collect on the the Debt and would need to contact them too. I also contacted XXXXXXXX XXXX  on XX/XX/2023 and they also told me they dont have an agreement with CCS collections to collect on the debt and they are not affiliated with the company and they charged off the debt without proper documentation agreement in place. I called CCS Collections back and spoke to a manager and she said they are indeed representing the client XXXX XXXX and they dont have a purchase agreement to collect and without documentation they have the legal right to collect on the debt. I told they Im denying the debt without proper documentation to collect on this debt legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just login to my XXXX XXXXXXXX and see banks been tired to open, loan application also, collection that I didnt do theres a lot from XXXX Law-15 USC 1681- XXXX- collection {$1900.00} Chase call me and said I have an bal of XXXX XXXX call me said I have a XXXX XXXX call me and said a XXXX XXXX call me saying a XXXX check was deposited and they close my XXXX XXXX XXXX XXXX business call me saying a XXXX check was deposited and they closed my account Nobody told me what to do how to go about it so Im reporting everything to get off my credit I didnt make any of these charges or tried to open any accounts i only have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15. U.S.C. 1681 Section 602A- which states that I have the right to privacy. 15 U.S.C. 1681 Section 604A Section 2- Consumer Report Agency can not Furnish an account without my written instructions. I have sent several request to remove this information. On XX/XX/XXXX, XX/XX/XXXX and they have not complied. Below are the accounts : XXXX XXXX ( XXXX XXXX XXXX ) # ACCOUNT XXXX XX/XX/XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX # ACCOUNT XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX  ( XXXX )
Product: Debt collection

I guess i owe about 500 in debt collector expenses but i don't remember when or where i got it its about to be 1 year and 2 months old and i don't work i just got my medical bills waiver and this is still effecting my credit i haven't gotten any letters from the company till i checked my credit score and it been sitting there since help
Product: Credit reporting, credit repair services, or other personal consumer reports

last XXXX I've sent a letter about those accounts that were fraudulently used without my permission. and It results to have a low credit score which stresses me so much. I felt so embarrassed and In need of help to resolve this issue. I already contacted credit bureaus and furnisher it almost 30 days now but no response yet.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This afternoon, I noticed unauthorized inquiries on my credit report, which has left me confused and frustrated. Everything seemed fine until today when these discrepancies showed up unexpectedly. I refreshed my browser, hoping it was a technical problem, but nothing changed. Im now requesting that my submitted documents be carefully reviewed so this problem can be solved once and for all. 

XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX Account Number XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Bank account or service

I went in person, to open a new account with US HSBC. They had a promotion for opening a new HSBC Choice Checking, Advance, or Premier Checking Account. It was explained to me, you would receive a {$350.00} bonus if you signed up. They did not inform me of any other obligations nor did I had to sign off on any terms. I went ahead and signed up, and never received my bonus. When I complained, Customer Service informed me later there is an obligation to get that bonus. But it was never in writing, so I wish to issue a complaint about the bank. This is false advertisement on their part and do not want this to happen to others too.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, CREDCO add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor.

On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

REVCO - ACCOUNT NUMBER XXXX AND THE Blance is XXXX. The last payment was on XX/XX/2022. I request it be removed from ALL ( 3 ) Credit Bureaus as paid as agreed or paid in full. 

XXXX XXXX was Telephone company was Paid in full on XX/XX/2022. {$100.00} I was information removed from credit file. Account Number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is not reporting three paid off accounts from XXXX XXXX, XXXX, and XXXX XXXX
Product: Vehicle loan or lease

The company is APG FINANCIAL. I called the bank in XX/XX/year> to request a payoff amount. They could not give me one over the phone. They had to send a letter. The payoff amounts we were given had three different options. They are as follows : Option # 1 pay your remaining payment and return the vehicle for the amount of {$12000.00} Option # 2 Trade in at dealership for the amount of {$17000.00} Option # 3 Purchase the vehicle for the amount of {$18000.00} We took the letter to an attorney And he told us to return the vehicle as it is not legal to lease a used vehicle in the state of Utah. He also informed us we would never get out of the vehicle and never OWN the vehicle. So we just just that. Returned it voluntarily.
Product: Student loan

I have had numerous problems with Sallie Mae starting since 2003. When I enter college, I was lured to apply for several private loans without thorough explanation as to the variable interest rates, and the consequences of their increase over time. Once, I completed my studies I was overwhelmed by student loan debts, and Sallie Mae did not show any flexibility in repayment options. I was emotionally and mentally stressed and I tried really hard to find solutions to repay Sallie Mae. Unfortunately, once I completed college, like most XXXX I needed to find a job. During this lapse of time I told Sallie Mae that I was experiencing financial hardship, yet they show no sympathy to my situation and forced me to repay my private loans. I had to go back to school, and this time to graduate school hoping that I would earn a diploma, which will enable me to find a high paying job. My loans were postponed yet the interest kept increasing. Consequently, when I came out of XXXX school, I was not able to pay my loans back with a meager salary as a XXXX XXXX XXXX ; since that was the position that I was able to find right after school. 
Since I was unable to repay my debt Sallie Mae send my debt to a collection agency, which handles my repayment at this time. Now, I am forced via an automatic repayment taken straight from my account to repay my debts every month, and I 'm only paying the interests of my loans not even the principal amounts. I feel financially defeated! 
Based on my personal experience, I would be very interested in filing a class action lawsuit against Sallie Mae for its innumerable violations of federal and state laws, and for bullying people like me into submitting to their unfair practice.
Product: Credit reporting or other personal consumer reports

I created an Experian account in XX/XX/2024 and log in with e-mail ID and password to freeze my Experian credit report. Now I can not unfreeze my Experian credit report account because I could not log into my account on Experian website. 
Tried in vain a few dozen times by phone calls to Experian # XXXX and XXXX and XXXX All calls and website access got stop at 'invalid PIN '' or incorrect info '' and loop around. 

This situation is well reported by many Experian customers. Here is on of the latest links XXXX XXXX XXXX Please do not let Experian send me the same link Experian.com/freeze that not working for me and other Experian customers . 
Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

ON XXXX XXXX, I PURCHASED FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FOR MYSELF TO KEEP CARDS AND TO RESELL SOME IN THE ASMOUNT OF {$3700.00}, USING PAYPAL GOODS AND SERVICES. I PAID GOODS AND SERVICES TO PROTECT MY MONEY IN CASE ANY DISCREPANCIES WITH THE COLLECTION.THE NEXT DAY THE SELLER BLOCKED ME AND DID NOT SEND TRACKING # SO I NOTIFIED PAYPAL THE NEXT DAY AND OPENED A DISPUTE.THEN I ESCALATED THE DISPUTE TO A CLAIM. XX/XX/XXXX PAYPAL CLOSED THE CASE IN FAVOR OF THE SELLER EVEN THOUGH THEY DID NOT PROVIDE TRACKING OR EVEN A RESPONSE TO PAYPAL. TODAY AT LEAST 5 PEOPLE ON PAYPAL TOLD ME MY MONEY IS GUARANTEED PROTECTED AND COVERED, BUT ONE PERSON ID # XXXX ( XXXX ) SAID I AM NOT COVERED AND THERE IS NOTHING HE CAN DO TO GET MY CASE REOPENED. I JUST WANT MY MONEY BACK AS I PAID GOODS AND SERVICES AND NOT FRIENDS AND FAMILY AS PAYMENT.
Product: Debt collection

To TRANSWORLD SYSTEMS INC., and all Agents or Assigns : I am in receipt of your computer-generated letter dated XX/XX/2021, unsigned, unverified, unvalidated statements alleging a debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

I have no recollection of a business relationship with Transworld Systems Inc. ( TRANSWORLD SYSTEMS INC. ). Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and Transworld Systems Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX  and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file thank you
Product: Credit card or prepaid card

Under 12 CFR 1026.5, please provide me with the original cardmember disclosure agreement. The copy sent to me does not provide the disclosure requirements listed in this code.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account # XXXX XXXX XXXX, Account # XXXX  XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, has violated my rights. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$190.00}