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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : 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 XX/XX/XXXX :
Product: Mortgage

This lender is impossible to reach. No one, and I mean No one PICKS UP the telephone, even after being on hold XXXX minutes. COVID XXXX is NOT AN EXCUSE to not work. 

I need a payoff valid for 30 days on my loan. I can not get into my account online due to the fact no matter what I do, reset password, answer questions, I can not get into my account. 

Of course when you try to call, you will only get a machine that talks in circles. Absolutely useless XXXX Please help me get a 30 day payoff.
Product: Payday loan, title loan, personal loan, or advance loan

Found out this company not only doesn't have a licence to do payday loans in my state of Illinois, but their apr, and loan amount far exceed that of what Illinois allows.
Product: Debt collection

XXXX XXXX and I dispute the amount of damages owed me and offsetting rent. Rather than resolve this dispute, XXXX turned over their claim to Fair Collections and Outsourcing for collections. The amount owed is undetermined and unresolved, yet XXXX chose to intimidate me by misrepresenting to FCO that I owed money. XXXX engaged in deceptive business practices, fraud, destroyed my personal property, and committed numerous violations of the XXXX Housing Code. They also accused me of damaging the premises, a claim that is impossible to substantiate due to construction in the building initiated by XXXX themselves. XXXX also removed services and amenities advertised to me when renewing my lease. This constitutes a misrepresentation of material facts on which I relied. This is common law fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer right has been violated according to 15 US code 1681 .... inaccurate informatiom is listed on my report which should be deleted immediately
Product: Debt collection

In XXXX I was having consistence Health Issues, which, as a result my Account ended up in Collection, After I got myself together in XXXX I decided to resolve the problem with the Credit Company. 
I pick up my phone and call them and trying to come up with a solution to work with The Debt was Originally {$890.00} We come up with a Settlement Agreement that I will Pay {$500.00} to get the Account Removed from my Credit Reports, and as agree I make the payment of {$500.00} on XX/XX/XXXX But then I got a call back on XX/XX/XXXX saying that their was a mistake on the process and the only way to get the Account Removed is by paying the full Amounts Debt After I listen to what they have to say Then I go ahead and pay the Remaining Balance which is {$390.00} on XX/XX/XXXX After waiting Two ( 2 ) Months for the result and what I got was an Update Report Since then I been treating Unfairly for Two ( 2 ) Consecutive Years. 

I call the Company Constantly to Resolve the Issue, sometime they hang up on me and when I do get somebody on the line they treating me like I am some kind of Villain I feel like I'm being Discriminate by them All I ask from them is that they do their part and Remove the Account on my Credit Reports and not take advantage of me.

I am getting hurt, my Credit Score is hurting because of that Account I can't get Approve for a Good  Credit Card, I can't get any Financial Aid because when a lender look at my Credit Profile they said I have a Delinquent Account on my Credit File.
Product: Credit card

Left stranded at the register trying to checkout but the card doesn't work because sometime in the last week, they reduced the limit to less than the balance ( reducing the limit by XXXX  % ) without so much as a notification on the application. When contacted they said " we sent you a letter on the XXXX '' as if anyone in business today has no clue about mail being slow or delayed. The application is capable of push notification plus they have my email address, there is absolutely no reason to find out AT CHECKOUT that the card no longer works. This is complete unacceptable. I have never missed a payment or been behind on any loans that I have had through the XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation and Cease and Desist To, Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract o
r agreement related to this debt.

3. Records of all assignments showing the transfer of the debt from the original creditor to your agency.

4. Proof that the original creditor securitized the debt.

5. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor. 

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report. 

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so. 

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

I sent this exact letter ( below ) out on XX/XX/XXXXXXXX  ' to the credit bureaus and Experian has responded today that it was verified and accurate. I am confused how three bureaus have inconsistent information but it is still being reported as " accurate '' in a manner that hurts my credit. I have tried everything I can to get this resolved, please help. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, FL XXXX Experian ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian ( XXXX ) XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Dear Experian, XXXX, and XXXX : I have pulled my credit report both on your website and XXXX & have found some inaccurate information that requires update and removal of this late payment. I have a new and life changing job opportunity coming up and I know they will pull my credit report, and this false information will hurt me between the 3 credit bureaus for XX/XX/XXXX, and XX/XX/XXXX XXXX I am not asking for you to go above and beyond for me but I do expect to be treated fairly. It is hard enough to have decent credit as an average American. 


Account Name : XXXX XXXX XXXX, Account Number : XXXX ; This late payment is inconsistent throughout the three credit reporting bureaus making it inaccurate, which is reported as : 30 days late in the month of XXXX to XXXX, 30 days late in the month of XXXX to XXXX, 30 days late in the month of XXXX to Experian. 

These inconsistencies definitely raise concerns how it can be deemed accurate and verified but different information is being reported across the bureaus. You should be ashamed of yourself for ASSUMING this role and position to constantly cause harm to consumers! These accounts are listed with late or missed payments and that is inconsistent making them inaccurate. It is impossible to be both 30 and 60 days late in the month of XXXX. The ABOVE listed ACCOUNTS should reflect 0 LATE PAYMENTS and should be listed as PAYS AS AGREED. Please reverse this late payment for inaccuracy and update to PAYS ON TIME/NEVER LATE. 

It is to be noted that I have attempted to dispute this information before and I am a bit frustrated that it was not corrected at that time ( XX/XX/XXXX ). The bureaus claim they have verified and updated this account, but yet I am still noticing inconsistent information. If it's inconsistent, it's deemed inaccurate right? Everything mentioned above is newly discovered inconsistent information regarding this late payment. XXXX XXXX XXXX XXXX ( XXXX ) made it very clear that it is the credit bureau/data furnishers responsibility to prove this information to be 100 % correct, not the consumers. Unless I am provided a bank statement proving that I was late- this account must be updated to PAYS ON TIME/NEVER LATE. There should not be a 30 day late payment reflecting ANYWHERE on this account. 


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

I am a victim if mistaken identity and identity theft
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. 

I have taken proactive measures to address these discrepancies by contacting the respective bank associated with this accounts. I am pleased to inform you that after thorough investigation, this bank has acknowledged the errors and have agreed to update my accounts and remove the late payments. 
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 reference to the listed accounts : XXXX  XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
I requested the Description of the investigation into these accounts on XXXX. According to section 611 ( A ) ( 7 ), XXXX  was required to provide this information within 15 days of requested. They have not done so and is violating my rights to obtain a Description of their investigation. I have tried several times to get this information and they seems to refuse to provide it.
Product: Credit reporting

Transunion are REFUSING to re-report a credit card that was removed in error from my credit report. My bank ( XXXX ) has made repeated attempts to have this credit card re-reported by Transunion, however, they are refusing to re-add the account. XXXX has called Transunion to discuss this problem but Transunion are still refusing to add the account in question. The removal of this account from my Transunion credit report has resulted in my credit score dropping from XXXX down to XXXX. This low score has resulted in my application for loans and credit cards to be denied. If this issue is not rectified I will be seeking legal advise and pursuing damages against Transunion.
Product: Money transfer, virtual currency, or money service

I was the victim of a fraud perpetrated through XXXX and Zelle. I saw a posting from on a friends XXXX page purporting to sale a car for her uncle-in-law. I did not realize my friend 's XXXX account had been hacked. I proceeded to message this person believing it to be my friend. I was asked to send money as a deposit to hold the car until we could schedule a time to look at it when she returned from being out of town. The fraudster asked me to send {$2000.00} by zelle to her uncle-in-law 's family. I did as instructed, and then was asked to send additional funds. I became suspicious at that point and then tried to reach out to my friend by phone. She texted me back and told me that she had been hacked and not to send anymore money. She had been trying to get the post taken down, but she had no luck. At that point, I reached out to my bank about the the Zelle transfer. I was told that I would need to reach out to XXXX and Zelle. I reported the page as a scam to XXXX twice, but XXXX did not take the post down. I also tried to reach Zelle through it's website, but it does not have an easily identifiable link for reporting frauds through their platform. I have reached out to my state 's attorney general 's office and reported the fraud, and I am also filing a police report.
Product: Money transfer, virtual currency, or money service

Email exchange : I thank you for your help, however. Not 100 % well. Would love to get this over with. 

But I had questions regarding a money transfer I made and how the terms which affected my thirty day grace period to pay in full every month were not explained. I requested they reimbursed me for the cost of the money transfer since I paid it off as soon as I realized what was involved. They didnt. So in essence they would be charging me interest in the balance transfer and the new purchases every month on my main credit card. They also had run a hard credit check when I was supposed to have been pre approved this affected my credit score. 

Very devious predatory behavior. I am hugely disappointed by Chase and regret having changed my account. That woman XXXX was unable to deal with all the issues I brought forth. 

Instead, I started getting one letter after the next from the bank without any contact name. Its just predatory hard business dealings with a regular decent customer. They are deceitful. They send you lawyerly letters instead of having a person call you. Its an awful bank which should be regulated. 


On XX/XX/2018, at XXXX XXXX, XXXX <XXXX> wrote : Thank you for your help! I am feeling somewhat better and I am acquainted with that XXXX but continued to receive conflicting and confusing information. I could not reach her. Shes very robotic and not helpful. In general, theres no one at the banks phone end who is actually helpful and polite. She called me when I couldnt discuss the issue right in the middle of a funeral. Could not make an appointment. I dont feel theres anyone really doing anything and despite my aggravation they expect you to put up or shut yo. That is the opposite of what I would expect from the sort of leadership ( XXXX ) who goes on TV to talk about giving back. Mig. 

On Wed, XX/XX/2018 at XXXX XXXX XXXX, XXXX <XXXX XXXX XXXX> wrote : Hi XXXX  , I hope you are feeling better. I apologize I missed you at the branch yesterday however I did receive your letter. I forward a copy to our Executive Office and expressed your concerns with the follow up and to have only one person contact you at your preferred number. I verified the contact info and XXXX will be contacting you. I am out of the office for the remainder of the week, however you can reach the Executive Office directly at ( XXXX ) XXXX. 



Thank you kindly, XXXX XXXX | Chase | Branch Manager | NMLS ID : XXXX | XXXX XXXX XXXX XXXX, XXXX, CA XXXX | XXXX XXXX XXXX | T : XXXX | XXXX XXXX XXXX XXXX | XXXX | T : XXXX | -- XXXX XXXX
Product: Debt collection

This company has never sent me their information. When a supervisor finally reach out to me. I was under the doctor 's car and i didnt write down her information correctly. This supervisor did inform me I would receive a refund, which I never received to date. Plus she did inform me that I would receive a paid in full letter. Plus the amount of fee ; s that I paid on this account. ALL I received from this company was a report of all the checks i have written. Nothing else. I called today spoke with two rude people one being XXXX Id # XXXX who refused to transfer me to a supervisor plus told me that she never saw that I spoke with anyone. Plus to say they are not a collection agency and she then would have a team member call me back. This is a horrible company that lies and refused to send me a paid letter of all my payments I paid. Plus refused to send me how much I have paid in fees. This is my 2nd complaint to CFPB.
Product: Mortgage

Shellpoint is my current mortgage servicer and won't respond to the errors or request for information. I would like to request a Qualified Written Request from them and need your assistance. Since the foreclosure is a week away they should postpone the foreclosure. The Sale date is XX/XX/XXXX. My home is in XXXX XXXX but has a XXXX address. I want to keep my home. 

I refinanced with XXXX in XXXX. XXXX went out of business and In XXXX XXXX  XXXX XXXX became the Servicer. It took 2 months before I knew who the servicer was and it made my mortgage 2 months behind. They offered a loan modification and said that it would take 3 months. They said that it may get a principal reduction from The Department of Justice. They took 18 months and did not credit my payments and to add to injury, denied the loan modification. I don't believe that they submitted my mortgage for review because they had wrongfully carried on the loan modification duration for XXXX and the abuse would have been uncovered. They actually added to my principal balance {$170000.00}. XXXX Loan Servicer became the loan servicer. They offered a loan modification or foreclosure. They too added over over {$150000.00} to the principal balance and created a predatory and fraudulent deferred balloon of over {$340000.00} to be paid after paying my mortgage for XXXX! XXXX went out of business then Shellpoint became the servicer. 

I have tried numerous times to get Shellpoint Mortgage to correct the wrong. They won't even respond in writing although the company representative find it odd that there is such a large deferred balance. The mortgage should be canceled at the very least and damages paid. They also tried to include my adjacent property lot and dropped trying to take it the night before Summary Judgement because the Title Company denied their claim on my lot.

What regulatory can have oversight over matters such as this? It's all verifiable. Can a consumer be allowed to be treated this way and the Banks and Servicer have no repercussions? I need your immediate assistance. I purchased my home in XXXX for {$350000.00} and put down {$270000.00}. Please help!
Product: Credit reporting or other personal consumer reports

I filed a complain with you the CFPB in XXXX  case numbers XXXX and XXXX I enclosed all accounts that are reporting incorrectly and not my account. I also submitted to you my police report case # XXXX incident complaint date XXXX XXXX XXXX police XXXX 

Since then no items have been removed and all XXXX credit bureaus continue to report inaccurate information after I disputed it time and time again with them. A complete list was in your original complaint!!! 

Please help me in this matter Ive waited 2 years and this is still unresolved!!!
Product: Debt collection

On XX/XX/XXXX portfolio recovery called my work and told 2 of my asst manager that i was being sued and that they were coming by my work to have a cop bring me a subpoena and then again they called again on the XXXX and told my main manager the same thing and they are constantly calling every day on my cell phone I only work 20 hrs every 2 weeks and my hrs are getting cut because of them calling and taking up their time and its very embarrassing when they bring me aside to tell me about the phone call from them and I have XXXX XXXX which triggers my XXXX and makes it harder for me to work when I'm worried about them calling my job
Product: Checking or savings account

When using bill pay in a Wells Fargo checking account, WF displays a statement that checks sent out can be delayed by the post office, but it is my belief that WF takes their time sending out those checks also and may even " forget '' to send some. I have had checks to local contractors take more than two weeks to arrive. In XXXX, I authorized a pair of checks to be created and sent to XXXX XXXX for an expedition payment that totaled $ XXXX. Those checks never arrived - it is my belief that Wells Fargo " forgot '' to send them out so that WF could get the float on the funds already deducted from my account. When I went into a branch to complain and put a stop payment on the checks, they opened an inquiry and a week later informed me that they had done everything right in the check generation - but the stop payments were not processed - so WF got the float for another week.
Product: Mortgage

In XX/XX/2020, I called Dovenmuehle to ask what programs the have available for COVID relief in the event that my tenants were unable to pay their mortgage. This is on a rental property. I simply called to inquire about my options. I did not request to be placed in forbearance and I did not agree to be placed in forbearance. I was however, placed in forbearance and my credit score has been significantly affected negatively. I am in the process of refinancing my primary homes mortgage and being told that my credit report is showing a " serious delinquincy ''. I have contacted the lender Dovenmuehle with minimal response other than saying they have removed me from the program, which I should have never been placed into because the account was always up to date and there were no late payments.
Product: Checking or savings account

I deposited a mobile check on, Wednesday XX/XX/2023 to BANK OF AMERICA mobile banking application. In the amount for {$2900.00}. XXXX no. XXXX. From the State Treasurer of XXXX XXXX for my state XXXX XXXX The account payee is Bank of America. I called the bank on Friday to inquire for the reason of the hold and spoke to XXXX : ID no. XXXX who is located in South Carolina. She can not give me any details other than they are trying to verify the funds of the check??? I find that weird. When it a Bank of America Check?? I told her I received an email from them stating that the check would be released on XX/XX/XXXX at XXXX, reference number is : XXXX. As of XXXX date XXXX, 2023. Marks a hold for 4 business days, without cause or justification for the hold to my account. Its the first of the month and I have bills, rent and food to buy!. I have asked the Bank of America in person if they can return or release the check bak to me. So that I can deposit it with my Credit Union and have no hold on this check. They said to call customer service to that. I call yesterday on the first at XXXX ; XXXX, and they had me on a very long hold over and one hour. Please help Bank of America RETURN OR RELEASE MY FUNDS! PLEASE.