23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I requested an investigation and the removal of the XXXX status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Checking or savings account

Money Lion took {$98.00} out of my account without my authorization. Also after paying what I owe them which was {$34.00}, by mistake my banking institution sent an additional check for {$35.00} money Lion corporate office in New York New York. The account was double paid and also my banking institution confirmed that that check was received and cashed and they have proof of such an action and after numerous of calls complaints and everything I could possibly think of to retrieve my money back, no one responded and off times they would just hang up in my face. All together this institution owes me {$130.00} in which it seems like I will never receive and they are still constantly trying to pull money out of my account. Also I tried to form a credit builder with those people in which I canceled that 2 days after I started the account, but instead it was reported to my credit union and caused my score to go terribly low being that they continuously try to report this when the account was closed. Please see to this issue because apparently they will not respond to me and it is affecting my credit. The address it was sent to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account number XXXX. DOB XX/XX/. XXXX social.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXXXXXX XXXX. I do not have a contract with ALLIED COLLECTION SERVICES, they did not provide me with original contract as requested. I have disputed this collection with XXXX on XX/XX/XXXX. XXXX reached a decision to have it deleted off of my credit on XX/XX/XXXX. It was mysteriously put back on my XXXX report after this date sometime within XXXX and now in XXXX. I spoke with the Fraud Department of XXXX on XX/XX/XXXX and was encouraged to file a Fraud Report as I do not recognize this debt and I have no ownership of this debt. I am also filing a Fraud report with the XXXX in regards to this debt and contacting XXXX and XXXX in regards to this fraudulent debt.
Product: Mortgage

Shellpoint Mortgage is the servicer of the loan. Due to my wife 's illness we struggled making payments. By law, we were offered Foreclosure Avoidance Assessment ( loan mitigation options ). I replied asking for forbearance until we got on our feet. I was never given an answer on this request. 

Instead I was asked for documents to support a loan modification. I provided all the requested documents. I explained that my wife was in XXXX and was again working full time. I explained I had obtained a XXXX XXXX. I was working part time to achieve a full year of XXXX experience, which is required for most XXXX XXXX positions. I started my job on XXXX/XXXX/XXXX. 

Shellpoint kept sending me correspondence asking for the same documents. I responded each time to these requests. I was never given an answer on the loan modification. They kept saying I could do a short sale. I explained that I had over {$200000.00} equity in the home and that our plan is to keep it. I said we were ready to begin making payments and just needed conformation. 

I was given the following ways to contact Shellpoint. Fax at XXXX or e-mail at XXXXXXXXXXXX. I used the fax number to send the requested documents. I have the confirmation from theses faxes. I used the e-mail address asking for confirmation of receipt. I have a total of seven saved sent e-mails asking for confirmation of receipt of documents. I asked over and over to please respond to me e-mail request. They never did. 

On XXXX/XXXX/XXXX I received a letter saying foreclosure had begun. I assume the next step is after the required 30 days to file a notice of default. 

I have talked to a HUD counselor about next steps. He said I should keep pushing Shellpoint on why they would n't respond to my e-mail requests concerning receipt of requested documents. He said it is possible they have been stalling because after 30 days of working on loss mitigation options they can start foreclosure if there is no agreement. He has also given me a referral for a foreclosure attorney.

I have detailed documentation of all these interactions with dates and confirmations of faxes or Priority US PS mailings. I do n't have a scanner so I ca n't attach them here.
Product: Debt collection

I RECEIVECED A CALL TODAY FROM XXXX XXXX XXXX XXXX. XXXX XXXX XXXX North Carolina, XXXX, CALLING ME IN AN ATTEMT TO COLLECT THIS PAYMENT, THIS IS THE 3RD COMPANMY 2 CALL ME PERTAINGING TO THIS DEBT WHICH HAS BEEN PAID SINCE XX/XX/XXXX OF THIS YEAR, THEY HAVE SOLD THIS DEBT SEVERAL TIMES, AS WELL, AS THEY ALL HAVE MY DATE OF BIRTH LAST FOUR OF MY SOCIAL SECURITY NUMBER, I HAVE ASKED THEM TO CEASE THE CALLS, CEASE SELLING MY INFORMATION AS IT IS A VIOLATION OF MY RIGHTS, I AM AN XXXX VETERAN SUFFERING FROM XXXX THIS IS CAUSING ME EXTREEME XXXX XXXX, PLEASE HELP
Product: Checking or savings account

From XX/XX/XXXX XXXX of XXXX they have taken money from my account for claims I have made from not receiving items from orders. I make sure I reach out to the merchants first to try and resolve the issue before I file a claims with the bank and Wells Fargo closed my claims and took money out of my bank with no email or notice telling me. I made a claims against them and after me calling back numerous times they said there was no claims and they will make one so it will take me about two to three times filing a claims for them to create one. As of XX/XX/XXXX I made a claims and the rep. Said he made it I call back XX/XX/XXXX and they said they dont see it and will.Create one. They even took take money on XX/XX/XXXX as soon as it deposited and yet to resolve that. They said who deposited did it but I have the amount that was supposed to get deposited and I gave up because they told me it wasnt them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misspelled Name ( XXXX XXXX ) { XXXX, XXXX, ) Dispute ignored and put back on my account Consumer Financing reported on my account should not be XXXX bill that reported on my account which I never lived at the address reported They have incorrect and outdated information This incorrect information is causing me to reflect a inaccurate credit score causing me to get denied when I should be approved
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX Self Financial INC , has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Product: Debt collection

I am writing to formally request validation from I. C. Systems Collections of the debt referenced in your recent correspondence regarding an account originally held with XXXX XXXX XXXX in the amount of {$300.00}. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt you claim I owe. Please provide the following information : The amount of the alleged debt. 
The name of the original creditor ( XXXX XXXX XXXX ). 
Proof that you are authorized to collect this debt on behalf of the original creditor. 
A copy of the original agreement or contract that obligates me to pay this debt. 
Any other documentation that supports your claim. 
While I am aware of the account in question, I dispute the validity of the debt. Until I receive the requested validation, I kindly ask that you cease all collection activities, including reporting this debt to credit bureaus. 

I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

USD sent from XXXX XXXX to Bitstamp for XXXX trading. 
Website : https : //www.bitstamp.net/ Contact details : XXXX XXXX There were several successful transactions before XXXX XX/XX/2023. 
Since XXXX XX/XX/2023 my USD XXXX XXXX has not been released or allocated to my Bitstamp XXXX XXXX account. 

I have followed up with support since I saw my funds not clearing in my account, but they kept on indicating that it takes 3 - 5 business days to clear. 
( In the past the funds cleared the same day, always ). After 5 business days, I kept on following up and they did not have an answer for this, just kept on saying they were investigating the matter. ( Ticket number : XXXX ) Then my ticket was referred to complaints. 
Eventually, complaints confirmed that it is their normal XXXX policy and they can not divulge any further information. 
This has been the answer for the past 2 weeks now. 

When I follow up now, there is no answer and my money is nowhere to be found. 
The support and Complaints department is keeping quiet and I fear the worst now. 

Please assist me with this. 

Their contact numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is in regard to Experian, XXXX and XXXX. 

This has to do with one creditor only : XXXX XXXX I got into a car accident and the car was a total loss. We luckily had XXXX XXXX. Due to the delay of XXXX  paying off the car loan, I had a missed payment on each credit agency 's report. It made my credit score dip about XXXX points for each credit report. I worked for quite some time with XXXX XXXX to get this corrected. XXXX XXXX finally paid it off and XXXX XXXX removed it from my credit reports. However, my score is not reflecting that correctly on each of my credit reports. I should have had an increase in my score and the agencies say to wait but the account was closed back in XXXX and my credit score should have already reflected it. I have worked hard to increase my credit score and the dip in my score was not my error but by XXXX XXXX. XXXX XXXX corrected it and would like my score to reflect that.
Product: Mortgage

I have been trying to work out a deal with the, company Fay servicing but they keep ignoring my mother and me, I am trying to work out a deal with the company but they don't call me back when I called them, and they said the paperwork I sent in has Expired, I am frustrated
Product: Debt collection

I was told this was a utility bill but, I paid all my utilities bills. This is not a utility company. This company has my personal information by fault it shouldve never been shared. I do not owe this debt.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BANK XXXX
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXX, and they reach out to me for XXXX, but the person who reach out to me where out of town and need to be XXXX  before they arrived, but address they provided did exist. but before starting they were going to send me the check for XXXX and for XXXX all together the " client '' sends me check so I can deposit and sent to the XXXX first and then ill go XXXX XXXX. the person reach out to me through text only, once check arrived I deposited the money and transfer the money to XXXX  through XXXX. total was XXXX and next the day I check my bank and it was gone. so I reported to bank and of course they can't do anything about. so I noticed it was scam and never got a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft once more, and I'm requesting once more to have the data arising from that identity theft removed from my credit report. Credit Bureaus are obligated to remove any goods in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than 4 business days following the receipt. Additionally, I have my questions regarding the accuracy of some of the information provided on some topics because it is UNKNOWN to me and REMOVED from other agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had this App XXXX on my phone, I made all the payments and wanted my account closed indefinitely once the loan was paid off. So, I called the company and requested to have the account closed they told me I needed to do the final payout on the app so I did. The amount was {$370.00}, I had it taken out of my account the same day on XX/XX/2019 the full amount posted to my account on XX/XX/2019. From there that account should have been in good standing and closed, there is a section on the App that still had leftover money in the form of " investments and cash ''. I tried to withdraw my cash and that is where the problem started. It wouldn't let me withdraw what was left over, it was {$76.00} in investments and {$2.00} cash. I then reached out again to support and they claimed that I needed to pay the membership fee to withdraw the money and I said no I don't my account should be closed, they then reported the FRAUDULENT FEE to my credit report of {$41.00} which now shows {$45.00}. 

They are SCAMMERS. I do not owe them any money, I demand the {$78.00} be mailed to me in a check and this account and any negative information associated with it removed from my credit report. 

I disputed this account with XXXX, XXXX, Transunion, and XXXX  and they all came back verified, even with the proof that I have. This is why I am writing this complaint now. None of the companies actually did an investigation, because if they did they would know this is a SERIOUS ERROR IN REPORTING from the XXXX   scammers!!!!! Many people are going through the same thing and this should be investigated. I should not be going through this over a year later. I have disputed these charges time and time again with no resolve. I have proof of payment and this account should be REMOVED from my CREDIT REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Immediately following my successful Chapter XXXX discharge, I wrote a letter and provided a hard copy of my chapter XXXX information. This information included, Discharge Letter, Final Cure of my XXXX XXXX XXXX  Debt, all creditors that had and had not responded to the trustee at the meeting of creditors. All three credit reporting agencies received this document in XXXX 2017, however when I attempt to apply for credit the main reason for denial is " SERIOUS DELINQUENCY ON ACCOUNTS ''. The other issues are because of too many inquiries ( Which is correct ) and derogatory public information. ( Chapter XXXX discharge is also correct. ) XXXX XXXX XXXX XXXX is still not being reported on any of my credit reports and they have also been contacted by mail, email and phone. I have been making on time payments to this company and continue to make payments. Looking at the denial letter and going to the credit reporting agencies does not give me the information that is showing the reason for denial. There is NO DELINQUENT ACCOUNT information for me to view or dispute. But I am being dinged for this very reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DBA XXXX XXXX auto deducted my XX/XX/XXXX mortgage payment for XXXX on XX/XX/XXXX from my checking account 5 times in error. Then they reversed 4 of the payments. XXXX XXXX I was contacted by XXXX DBA XXXX XXXX by phone asking if we wanted to proceed with a loan modification. I never requested a loan modification. The representative then told me my loan was delinquent. I had not received any correspondence from XXXX DBA XXXX XXXX that my loan was delinquent. I have never missed a payment. I have always paid my mortgage by automatic deduction from my checking account. I immediately contacted XXXX DBA XXXX XXXX and spoke with XXXX XXXX with Executive resolution. I learned that my loan was switched to paperless statements without my consent. I informed her that I never stopped the automatic deductions from my checking account. I provided her with copies of my bank statements for XXXX through XX/XX/XXXX. She opened an inquiry and discovered that XXXX DBA XXXX XXXX stopped the automatic deductions in error without my consent. It was also discovered that they had not applied the XXXX payment to my account even though they collected it. XXXX XXXX issued a letter XX/XX/XXXX stating that they submitted and update to the credit reporting agencies with instructions to adjust their records and remove the negative credit information. Not only has that NOT been corrected with XXXX XXXX, Equifax and XXXX but XXXX DBA XXXX XXXX has stopped reporting my mortgage payments completely there is no payment information for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This has effected my credit in such a negative way that I am unable to obtain a mortgage on a new house. My husband and I had an excellent credit score prior to this outrageous error by XXXX DBA XXXX XXXX. I have personally contacted all 4 Credit Reporting Agencies and learned that XXXX has done nothing to remedy this situation.
Product: Checking or savings account

I deposit a check through the mobile app on my phone for XXXX dollars and I was told that my money will be available until Thursday XXXX of XXXX and they gave me a hard time over the phone and said they need to verified the funds are legit and Im so sick of waiting and I need my money right away
Product: Mortgage

I had been trying to payoff my mortgage for months and every month the payoff amount just kept going up?!?! Also they refused to just use my escrow to payoff my loan, the money in escrow is mine and will now take 2 weeks or more to get back in my account!! Horrible doing business and arrogant supervisor acting as if I'm an XXXX! When I asked which agency regulates mortgage companies she acted as if I'm asking something stupid!!!! More regulation needed for banks and mortgage companies lots of regulation!! I would like my escrow money immediately!! You should not get to keep my money!!! You should allow me to use it to pay off my loan in full!!! But Unpaid now and I would like someone to investigate the way they do business please. I believe they charge penalties and false interest so people can never pay off their loans. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN THIS COMPANY CLEARLY STATES THEY ARE THE WRONG COMPANY TO ADDRESS ABOUT THIS ISSUE THIS IS THE COMPANY NAME THAT APPEARS ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX, PA XXXX I FEEL I AM A VICTIM OF FRAUD PLEASE REMOVE IT FROM MY CREDIT REPORT US C CODE 1681 STATES TRANSACTIONS CAN NOT BE ON CONSUMER REPORTS I NOTICED THE FOLLOWING DETAILS ON MY EXPERIAN CREDIT REPORT XXXX DATE OPENED XX/XX/2019 ADDRESS ID XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX TERMS XXXX MONTH CREDIT LIMIT {$2600.00} RECENT BALANCE XXXX
Product: Credit reporting or other personal consumer reports

my information was sold to another account multiple times without my permission no knowledge of coolections.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each of the following companies called and told them to remove from credit report also mailed letters ask them to send me copys of my signature on a credit app asking for credit with no results each one is listed below 1/. Lviv funding local co resurgent capital services XXXX XXXX XXXX XXXXXXXX sc XXXX phone. XXXX This one is fraud never heard off them or did get credit from them need removed N 2. /. Same problem as above The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX. Same as above XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX va XXXX Phone XXXX XXXX XXXX. Same as above XXXX XXXX lack XXXX XXXX XXXX XXXX XXXX  XXXX XXXX mi XXXX Phone XXXX The following were secured cards that took deposits from me i of XXXX each and charged card fee and yearly fees contacted them also by phone and mail with no results they would not return my money after term so I cancelled the cards and they filed profit and loss on there taxes as write off and need them removed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX nv XXXX phone XXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX phone XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX wi XXXX phone XXXX The following two never heard off them just appeared on report need them removed XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone XXXX Thank you for youre help I am trying to get a house I take care of my parents that are XXXX and XXXX been married for 70 years father is XXXX XXXX XXXX veteran
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any accounts or information which is found to be opened due to identity theft. 

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

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, and XXXX and XXXX reporting deleted information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be removed. FIRST INV SERVICING CO  XXXX Balance : {$0.00}.