23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to address a matter of utmost concern regarding an alleged debt collection activity initiated by the General Revenue Corporation ( hereinafter referred to as " GRC '' ) approximately XXXX months ago. The purpose of this complaint is to underscore what I perceive to be a blatant violation of the Fair Debt Collection Practices Act ( FDCPA ). 

During the aforementioned time frame, I was contacted by a representative of GRC via telephone. The purpose of this communication was to request payment for an alleged outstanding balance associated with XXXX XXXX. At that time, I took the opportunity to clarify my stance on the matter. I explained to the female representative on the phone that I had previously disputed the balance in question directly with XXXX XXXX. I emphasized that, according to the terms of my XXXX loans, it was XXXX XXXX XXXX responsibility to address and manage any financial obligations on my behalf. To my astonishment, my sincere explanation was met with a sarcastic comment from the GRC representative, which I found to be highly unprofessional and discourteous. 

Furthermore, during this telephone conversation, I explicitly requested that GRC provide me with all pertinent documentation pertaining to this alleged debt in writing, as mandated by the Fair Debt Collection Practices Act. According to this legislation, debt collectors are obligated to furnish a written debt validation notice within five days of their initial contact with a debtor. This notice should include crucial information such as the amount owed, the name of the creditor, and instructions on how to dispute the debt in writing. Regrettably, I have not received any such documentation from GRC despite my repeated requests. 

To compound these concerns, I have recently discovered that GRC has reported this disputed debt to a credit bureau. This action has had a detrimental impact on my creditworthiness and financial standing. This act, coupled with the aforementioned issues, demonstrates a disregard for both ethical debt collection practices and the legal obligations outlined in the FDCPA. 

I am deeply disappointed by the unprofessional conduct exhibited by GRC during our interactions and the apparent disregard for the FDCPA regulations that are in place to protect consumers. Therefore, I kindly request that GRC immediately cease all collection activities related to this alleged debt and rectify any negative reporting made to credit bureaus. I understand that GRC will try AFTER this complaint to mail me the required information, but at this point, they have violated the FDCPA.
Product: Mortgage

I am filing this complaint against Shellpoint Mortgage Service DBA New Penn Financial DBA NewRez Servicing and Ms XXXX XXXX for : 1. Charging me {$7300.00} in fees for a forbearance request due to temporary inability to work due to coronavirus while my loan was current without a single missed payment. ( See attached exhibit A ) 2.  Refusal to indicate in written forbearance agreement the full terms discussed 3. Ignoring my multiple requests for additional 6 months forbearance due to Covid as my circumstances have not changed as to my temporary coronavirus induced hardship ( my loan is XXXX XXXX ) 4. Failure to correct the above for weeks upon repeated requests ( including requests in writing ) I contacted ShellPoint and NewRez in  regards to coronavirus induced hardship multiple times, in writing, starting on or about XX/XX/XXXX. 
My requests were first ignored and then reduced to 3 months forbearance. The three months forbearance was approved on XX/XX/XXXX. 
I never missed a single payment on my mortgage and made my last payment of {$3600.00} on XX/XX/XXXX which New Rez promptly deposited on XX/XX/XXXX ( due XX/XX/XXXX ) and then the next bill due XX/XX/XXXX showed {$7300.00} - a service fee for requesting COVID forbearance which is outrageous and can NOT be charged! 

On XX/XX/XXXX I again confirmed the terms of forbearance and in writing with XXXX XXXX Loss Mitigation Specialist Shellpoint Mortgage Servicing Toll Free : XXXX XXXX including the payments on forbearance are to bepaid off at the end of the loan in a lump sum. ( Exhibit B ) which Ms XXXX confirmed as true ( Exhibit B ) on XX/XX/XXXX XXXX. I asked her again to include the following clause in the agreement : the payments on forbearance are to bepaid off at the end of the loan in a lump sum. as we discussed below. ( Exhibit B ). 
Ms XXXX refused to correct the agreement she originally sent me ( Exhibit B ) and told me to contact their general email. At that point I told Ms XXXX that I already submitted multiple requests to shellpoint and they transferred me to her. As she confirmed in her last email, I was requesting the exact same wording to be added to the agreement. 
Ms XXXX gave multiple excuses not to give me anything in writing including the following excuses that : 1. she does not send letters while her first communication was a letter agreement, the very same one I was asking to correct to reflect the statement we discussed. 
2. The letter may have my name on it but I do not write letters at all. 
3. Your loan will be reassigned to a new point of contact by this afternoon as I am no longer on the team that handles your account. and many more ( her emails available if needed ) I kept asking to correct the situation for days and was constantly ignored so I know that Shellpoint Mortgage Service DBA New Penn Financial DBA NewRez Servicing and Ms XXXX XXXX purposefully pocketed thousands of dollars in illegal charges for forbearance requests on accounts during coronavirus pandemic which is predatory and warrants investigation by authorities for fraud and illegal business practices.
Product: Checking or savings account

I filed a claim with Wells Fargo regarding a XXXX order that was never delivered my order total was XXXX I contacted XXXX and was informed from XXXX I would be refunded within XXXX business days after the XXXX business days I did not receive the credit from XXXX I XXXX Wells Fargo XXXX have them step in to get my money back from XXXX Wells Fargo XXXX XXXX claim I get provisional credit from Wells Fargo bank XXXX XXXX in I receive a letter from a Wells Fargo XXXX XXXX they need more information to get my money back from XXXX I XXXX them the screenshot of the conversation I had with XXXX confirming XXXX money would be returned I emailed this Wells Fargo XXXX department I have not herd anything back from Wells Fargo after XXXX I am told it was take time for Wells Fargo to review and make a decision however this morning I wake up XX/XX/2023 and I see Wells Fargo deducted XXXX from account I am confused on why when i never filed a claim for XXXX I call Wells Fargo XXXX XXXX out whats going on first things first Wells Fargo XXXX XXXX know whats going on I sat on hold after I explained myself to a Wells Fargo claims XXXX he puts me on hold for XXXX minutes doesnt even check in with me or nothing and tells me oh sorry it was a big misunderstanding but we are going to refund you back XXXX within XXXX business days so Im confused because i was calling about XXXX being pulled from my account I asked whats going on with my claim he said the claim is being closed the bank is going to take a loss and write it off and the claim will be closed in my favor within XXXX days they have to update there records etc etc telling me stuff I dont care I am beyond irritated and frustrated I want my money back that was taken out of my account I dont even understand how this happens I would of expected Wells Fargo to pull XXXX if my claim was denied XXXX XXXX did not receive any letters informing me of a denied claim and I dont know why XXXX was taken when the claim amount was XXXX this is Wells Fargo just taking money from its clients once again expecting not to get caught
Product: Mortgage

I am doing a short sale so I can sale my home. I was previously informed by a representative that I need the buyer to at least offer XXXX. Another buyer offer XXXX which was the listed price after reducing it from XXXX. A new XXXX came in at XXXX. We submitted a dispute on a previous XXXX to justify our offer. We were emailed an appraisal stating XXXX with XXXX in repairs. Different reps are giving different information and I am the person that will suffer if the house goes into foreclosure. 
Also, investors require 88 % to 90 % of market value but the rep keeps stating we need to raise the offer. We have pointed out why the property is hard to sell and the clients are about to walk. He will not give what the bank is trying to net but says were a couple thousands off. We removed several items from the HUD-1 due to the reps request which increase their gain by XXXX. I think that is a couple of XXXX but maybe couple XXXX now means something different. I have emails and from the previous rep to support my claim. This is a serious problem on how banks treat customers and how they lose their homes due to them.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within XX/XX/XXXXdays.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that DIVERSIFIED ADJUSTMENTS SERVICE would verify the debt. So I took it upon myself to ask DIVERSIFIED ADJUSTMENTS SERVICE for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Vehicle loan or lease

My XXXX  XX/XX/XXXX XXXX  was totaled in a crash.XX/XX/XXXX The car payments were current including the GAP insurance from Toyota Motor Credit Corp . 
vin : XXXX My insurance Company : XXXX XXXX XXXX paid {$20000.00} for the totaled XXXX  to Toyota MCC That left {$15000.00} Which was covered under the GAP insurance.

Toyota MCC Chose not to pay and no reason was given just the run around.

They did instantly give me a NEW XXXX loan for A new XXXX  with No money down.

The dealership saw that the car was fully covered with GAP and thus a new loan.

However Toyota MCC to this date has not answered my calls or payed the GAP on this loan. They do not deny anything. They just won't move on this.

This is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX Disputed Debt- Not my debt -fraudulant Charge I am officially notifying the Consumer Adjustment Company Account : XXXX that the balance of {$780.00} supposedly owed to a person or thing is a fradulant charge. 
Identity theft reported to police on XXXXXXXXreport filed. 
This was reportly arranged via phone for some kind or payday loan for an amount of {$600.00} sometime in XXXX with a date opened with your collection account process of XX/XX/XXXX. This has showed up on my experian credit report as overdue in XX/XX/XXXX. 
This fradulant loan supposedly involved an account at XXXX XXXXXXXX XXXX 
If you check you will discover that I have never had an account with this bank. 
I never arranged a loan by phone. 

I discussed this dispute with XXXX XXXX on XX/XX/XXXX and obtained All of these fradulant details from her. 
I would ask that you perform an investigation to determine the details of this fradulant act so that I can report to the Federal Trade Commission so as to identify and potentially prosecute the individuals involved. 
I would also ask that you correct my credit report at Experian and remove this so-called debt from my account with your company. 

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

On XX/XX/XXXX, I send a request to XXXX and Experian to investigate errors on my credit report. By law, I should have gotten a response by XX/XX/XXXX. I did not. I have not yet received my investigation results. Last week, I even sent a follow-up letter to both. The follow-up letter has also gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX Compliance of the FDRA XXXX XXXX XXXX XXXX Florida ( XXXX ) Account related to XXXX and XXXX has violated my rights. 

Under the code 15 USC 1681 section 602 it says I have the right to have privacy and section 604A Section 2 says that the consumer reporting agencies can not give out any of my income without my knowledge or written consent to do so. 

Credit reporting agencies can not place a late payment on an open end consumer credit plan so says the 15 USC 1666B law. 

Also with 15 USC 1681a law Exclusion says that consumer report term does not include any of the reports containing transactions and or experiences between a consumer and the person making the report. 

IRS states that any creditor that writes off an account as a Charge Off files a XXXXC to establish the account as income. And income does not get reported on the credit profile. So the consumer reporting agencies are violated my rights reporting inaccurate information.
Product: Credit card

I have recently received a letter from XXXX XXXX credit card stating that they will be dissolving their relationship with XXXX ( I currently hold the AMEX XXXX credit card ). They informed me that the account will automatically be converted to a XXXX XXXX XXXX. I called AMEX and asked that they " do not '' transfer any of my personal data or information to another financial entity ( XXXX in particular ). After speaking with various people at AMEX ( including supervisor XXXX ), they informed me that the only way to stop the automatic transfer and the opening of the new account was for me to cancel my AMEX card before XXXX XXXX, 2016. I explained to them that by " me '' cancelling my card, this would effect my credit report negatively. And as this action, the dissolving of the relationship between AMEX and XXXX, is not of my personal doing, this should not effect me negatively. I asked AMEX to take the action from their side, and close accounts that do not want any transfer of data/information, and they said this was not possible. This situation is quite unbelievable to me, especially in this era of information confidentiality. The consumer is being forced to accept these conditions unilaterally, one would always expect " opt out '' clauses in these situations. Please do all you can to stop this unacceptable practice. Thank you.
Product: Money transfer, virtual currency, or money service

Zelle has failed to protect their consumers. They have not helped. I have reported multiple incidents with no help in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a Fair credit reporting act [ MILITARYSTAR XXXX. # XXXX ] has violated my rights. 

THIS HAPPENED IN THE MONTHS OF 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. Under 15 USC 1681 section 602 states, that I have the right to privacy. 

15 USC 1681 section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat the payment on a credit card account or mortgage account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts were illegally obtained via my credit. I am so tired of keep disputing fraudulent items. Please remove these off my XXXX and Equifax report as this is hurting my score with fraudulent information. 

XXXX XXXX XXXX  Balance {$57.00} Acct Number XXXX Date opened XX/XX/year>XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXXXXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number Account number XXXX Date opened XX/XX/year>XXXX XXXX
Product: Prepaid card

I bought a {$400.00} prepaid Mastercard at XXXX in XX/XX/2017. When I got home, the card would not work so I called the prepaid company. They said that the card was flagged as fraudulent on XX/XX/2017, but they still allowed the sale to go through at XXXX. The card company offered to refund the gift card balance, but not the {$13.00} activation fee, even though the cards were never activated due to the fraud flag. They said that they have a policy to never refund activation fees, even better in cases like mine where a fraud flag prohibited activation. So now I have to wait 2 weeks for my {$400.00} refund AND the card company still earned {$13.00} off of my troubles.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found inaccurate late payment notations on my XXXX XXXX  account Account # XXXX. All payments have been made on time, making these reports incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers must ensure the accuracy of reported data. Specifically, TransUnion and XXXX incorrectly report a 30-day late payment for XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, as well as a 60-day late payment for XX/XX/year>. XXXX inaccurately reports 30-day late payments for XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, along with a 60-day late payment for XX/XX/year>. These errors should be corrected within 15 days of receipt. Additionally, I request documentation verifying compliance with 15 U.S. Code 1666b, which requires that periodic statements be delivered at least 21 days before the due date. Please provide the periodic statement and corresponding tracking number to confirm timely delivery. I have attached supporting documentation highlighting these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing a current copy of my credit report on XXXX XX/XX/2023, I contacted the customer service center of  XXXX XXXX XXXX to address its entry on a Chex Systems report from XXXX XX/XX/2023 for an unpaid balance of {$220.00}. This unpaid amount represent unauthorized charges in connection to identity theft reported to law enforcement agencies. The customer service agent directed me to send an email to the company about the issue. I objected and insisted upon speaking with a person in charge because the issue of identity theft necessitated speaking directly with someone. The customer service agent attempted to route my call to a supervisor queue where the caller has the option of leaving personal information. I objected stating my hesitance to leave my personal information in a voicemail system where no one would return my call within 48 hours. Although I conveyed the gravity of identity theft in connection unauthorized charges to the closed bank account, the customer service agent left the impression XXXX XXXX XXXX does not take identity theft issues seriously.
Product: Debt collection

I reached out to 2 different collection agencies about the same debt that is not owed by me. I completed an application with the apartment complex below and was not needed as a co-signer. The complex ended up charging a larger deposit and I never signed the lease agreement. 

I called XXXX and they agreed the debt was not mine, since I never signed lease. However, XXXX XXXX told me to tell residents to pay to get rid of debt. I advised her that both agencies said it would hit MY credit. The manager said there was nothing she could do to correct it, even though Im not responsible for the debt???? 

The correct parties responsible are the 2 people that signed lease and moved in XXXX XXXX and XXXX XXXX!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States See collection agencies below ( both claim they have same debt ) Southern Management Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX refuse to address why 2 agencies have this erroneous debt for me Please help!!
Product: Debt collection

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

Please delete the following accounts. 
XXXX XXXX XXXX XXXXXXXX
Product: Consumer Loan

I have a vehicle loan through wells Fargo Bank and I finally got my first statement after 9 months and I owe more on my vehicle now then when I got the loan I pay XXXX a month and statement says XXXX plus goes to principal so why is my loan high now after 9 months they never send receipt there XXXX me
Product: Money transfer, virtual currency, or money service

I used the company cash app to pay for a pay of shoes from an online retailer the retailer stopped responding to me & blocked me and so I requested a Payment cancellation/refund via cash app this has been going on since XXXX, it was obviously a scam but cash app collects certain information such as email / bank card info and phone number in order to use the service I have made them aware of the fraudulent transaction and provided evidence they will do nothing they are allowing scammers to use their service with no consequence or accountability and therefore are complicit in the fraud