23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hope this letter finds you in good health. As a loyal customer, I'm writing to you to voice my concerns about certain late payments that were shown on my account. 

SHELLPOINT MORTGAGE XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SHELLPOINT MORTGAGE customer service I respectfully ask for your cooperation in removing the late payments that were noted from my account history. I cherish my good relationship with the credit card company and pledge to create a more regular and timely payment schedule going forward. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. As a victim of a data breach, the following entries were not authorized by me and must be removed pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXXXXXX 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 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 XXXXXXXX
Product: Checking or savings account

Please refer to my earlier CFPB complaints : XXXX XXXX XXXX XXXX There is more than 1 hour of hold time with Ally bank. 
For no good reasons even my online access was blocked and account was frozen. 

due to which XXXX Credit card bill of {$1000.00} was delayed by more than 4 days. 
I have a credit score of XXXX and never had this issue in 19 yrs for me. 

which was suppose to be paid from my ally bank account ending in XXXX But i was told by ally on weekend that my accounts are also frozen. 
chatted to XXXX ( XXXX ) they told that my account is past due 2 days. 

I have all the money into Ally bank only and NO other account. 

My credit score being XXXX and i have had this issue in last 19 yrs ... 


I just have to sell 5 stocks of XXXX XXXX at loss ( short term loss ) from my XXXX XXXX account just to have enough money to pay for the credit card bill so that there is no impact on the credit score. 

As you can see from the Screenshot*.jpg how long this wait is. 

Finally I was able to get hold of Ally fraud team. 
Given them instructions to " Please feel free to take out {$3200.00} from my checking account ending in XXXX and deposit into the XXXX XXXX account so that there is no negative balance. '' But i had 4 days of late payment ( possible impact on credit score ) plus overall loss by selling 6 stocks of XXXX XXXX ( loss plus taxes on that )
Product: Credit reporting or other personal consumer reports

In early XX/XX/year>, Chase alerted me that someone tired to open a card in my name. I called them back and they reported the incident and recommended I call XXXX, XXXX, and XXXX to report and freeze my credit. I did so however I have multiple inquiries on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Payday loan, title loan, or personal loan

From XXXX XX/XX/XXXX I received daily phone calls from Greensky Loan Servicing demanding payment if I have missed my due date for payment. They have done the same multiple times in the past since I took out the loan on XX/XX/XXXX. In fact, since I took out the loan for medical reasons, everyday past the day my loan is due, I receive phone calls everyday until I make my payment. I have asked them repeatedly to stop calling me every day and that I would make the payment as soon as I had the funds. Despite this, I continue to receive harassing phone calls as early as early as XXXX XXXX on XX/XX/XXXX. I have informed them that I would be lodging a complaint and asked them repeatedly to stop calling me every day. They have not been deterred.
Product: Credit card

On XX/XX/XXXX, I opened my Apple Wallet, which displayed XXXX due today, and submitted a split payment for my Apple Card between Apple Cash for XXXX and my bank account for XXXX. Approximately 2 hours later, I received a notification that my payment for the full original amount was processed, and upon opening Apple Wallet, a payment for the full amount was displayed as occurring 1 hour before my payment that had not been displayed previously. 

The automatic bank payment could not be canceled, but I was able to cancel the smaller second payment. The Apple Cash payment, however, was not visibly applied to my balance, even though I expected to see a positive balance of XXXX. 

Upon contacting Goldman Sachs support, I was informed that my Apple Cash payment was applied to the final installments in my installment series, and that a refund could not be issued. This may be a violation of 1026.11 ( which requires refunds of positive balances within 7 days ), and is a violation of the Credit Card Accountability, Responsibility, and Disclosure Act of 2009 ( CARD act ), specifically the requirements to apply payments to the highest interest balance first. 

I assert that the last-due installment payments ( approx 16 months at 0 % interest ) are a lower interest balance than the first-due installment payments ( less than 30 days before due ), as no rational customer would ever pay off a later-due installment when they could pay off a sooner-due installment, as one can always pay off a later-due installment at an earlier date, but can not pay off an earlier-due installment at a later date. Therefore, Goldman Sachs is in violation of the CARD act for failing to apply my payments above the minimum in the most consumer-friendly-fashion ( choosing to apply them to the lowest interest balances that I would never rationally pay first ) In addition, installment plans can reasonably be considered a separate " account '', as they can be paid off individually and are added in discrete units to the revolving credit account. Therefore, Goldman Sachs should not automatically apply payments to installments, and should hold them as a credit balance on the account to apply against the next payments, or to allow for a refund.
Product: Debt collection

The Company DYNAMIC RS is reporting information on my credit that is not correct from what they are telling me that are the date of services that is showing on my credit is different than that of what they are telling me verbally. I was not notified by this company in writing before they put this information on my credit. Also this information that they are saying that I owed was removed off my credit reports from all the major credit bureaus but since they put different dates of services this is how they were able to get this put back on my credit. I ask them to remove this from my credit and they stated thAT THEY WILL REMOVE IT ... .I HAVE PHONE RECORDING OF THIS BUT NOTHING HAS HAPPENED AS OF YET.
Product: Money transfer, virtual currency, or money service

XXXX XXXX and XXXX XXXX sent {$3300.00} to XXXX XXXX using XXXX through Wells Fargo over a course of 8 transactions from XX/XX/XXXX to XX/XX/XXXX. XXXX pretended to be a subleaser of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX ( actually owned by XXXX XXXX ) and the money sent was to cover the security deposit and first and last months rent. XXXX said she was in XXXX due to COVID so she could not show the property, but would send keys upon receipt of the money. The money was sent to XXXX XXXX XXXX at XXXX, who claimed to be the financial manager for XXXX XXXX. XXXX claimed to have sent keys, but lost the tracking ID and then stopped replying to any communication over text or email. I ( XXXX XXXX ), never spoke to XXXX XXXX, but spoke to " XXXX XXXX '' on the phone. I also sent " XXXX '' a photo of myself holding my I.D to prove my identity. I filled out a client application form and the lease, which was allegedly signed by " XXXX XXXX ''. XXXX also sent me a " Master 's Lease '' signed by herself and XXXX XXXX, and provided a XXXX profile ( XXXX XXXX XXXXXXXX ) for further profile identification. XXXX XXXX sent {$2100.00} through XXXX, and XXXX XXXX sent {$1300.00} through XXXX, over a total of 8 transactions. Both XXXX and XXXX have filed claims through Wells Fargo. XXXX XXXX 's claim numbers are the following : ( XXXX, XXXX, XXXX, XXXX, XXXX ). XXXX XXXX 's claim number for all three transfers is the following : XXXX. After no response from XXXX, XXXX XXXX found XXXX XXXX 's number and reached him. XXXX said the scam had happened previously, and he did not know XXXX and was currently living in the apartment with his wife. " XXXX XXXX '' 's number is XXXX ( XXXX XXXX XXXX and her email is XXXX. 

I chose to use XXXX because it was backed and linked by Wells Fargo. I was unaware that my money, though being used by a Wells Fargo-backed company, would not be protected. Neither XXXX nor Wells Fargo have helped me in the case, and Wells Fargo said they would call me back over a week ago to explain, and have never called to explain.
Product: Credit reporting or other personal consumer reports

i paid off my XXXX  bill an XXXX, its was suppose to be paid in deletion off my credit and they will not deleted information. 

also paid fXXXX XXXX settle for less and they for XXXX and will deleted off my report XXXX XXXX XXXX  for XXXX, advise them i had that account in XXXX its no way that account should be still reporting and saying it only be opening for 3 years when i move and not have service since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an attempt to correct my XXXX, EXPERIAN, and XXXX   credit report ( s ). I have identified fraudulent accounts. Please block/ remove all of the accounts listed below : XXXX XXXX/ XXXX : XXXXXXXXXXXXXXX - Opened XX/XX/XXXX XXXX CARD : XXXXXXXXXXXXXXX - Opened XX/XX/XXXX XXXX CARD : XXXXXXXXXXXXXXX - Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been contacted dating back to XXXX. Even the data breach at Equifax included me when I entered my ss # last four. I didn't receive compensation eventhough I am a victim of identity theft dating back XXXX. 
I called Equifax about an error teporting of XXXX XXXX XXXX XXXX and has cost me in at least XXXX in loss, opening of new credit, purchase of new vehicle when credit was checked this document from Equifax dated XX/XX/XXXX stated it wasn't being reported but I was told by the bank Equifax was still Reporting the negative account on my credit report not to mention it cost me job opportunities too. I called Equifax too violating my FCRA RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two accounts with XXXX and the credit bureaus. I disputed XXXX personally in house and they claim to have undergone an extensive investigation and said that the debt is mine. They never provided me any kind of method of verification or investigation results or any documents pertaining as proof. I have also disputed alleged accounts with all 3 credit bureaus and XXXX  has marked this as accurate, which i have asked over and over for correspondence/evidence/proof/method of verification and none of them have been able to furnish this information to me ( XXXX, XXXX, Experian or XXXX ) . If there is no verification, this has to be deleted by law. ( FCRA ). I have disputed over the phone, online, and many times by mail. These poor accounts have been stopping be from getting things that i deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$440.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$440.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I recently complained to your organization in relation to incorrect credit reporting issues with the credit bureaus. Since then, my credit scores were all adjusted and increased. During the last two week of XXXX my credit scores on XXXX, Equifax and XXXX received another increase of about XXXX points. The credit card usage fell below 30 % all payments made on time. Today I looked into my Equifax score, and it decreased significantly to XXXX. It was at XXXX now it is displaying XXXX. No explanation was given why it decreased XXXX points. 
Would like to file a charge of discrimination. 

I would lie to know why Equifax decreased my score to XXXX points
Product: Mortgage

I have been trying to do a loan modification with Bank of America since XXXX 2014, I have submitted every document they have ever asked for. I even called the lady who was helping my case numerous times and emailed her and she never got back to me. We are a military family and we had to XXXX ( move ) to XXXX XXXX XXXX, we live XXXX and pay XXXX a month for housing and are house in XXXX was n't rented for some time and I was having health issues so I was unable to work and was going through the XXXX process. We fell behind in payments because we have XXXX kids that needed food and clothes and other items. So recently I got a third party involved in helping us with the house to do a Deed of Lieu, he has been having a hard time trying to get help with this. They told him that I did not send in any documents so I gave him all the paperwork and the letters that bank of America sent saying thanks for the documents we are reviewing them and will let you know the decision once the review is done. As the months went by and I never heard anything from Bank of America after I tried calling numerous times, and there were a few times I was on the phone for over 2 hours being transferred from one department to another and no one could help me. The agent that I have helping out with this now was told that a short sale was not necessary because of our hardship but when I called today they said the account was on hold for a short sale and they wo n't do anything with the Deed of Lieu until the short sale is done. So they are giving out incorrect information and not giving the agent or us any help what so ever. I have copies of every document and letter I have received from bank of America and even online XXXX has documents and letters from bank of America proving I submitted documents to them. With my health problems and my husband who has been in the XXXX for over 20 years has some serious health issues also we need this process to go quickly, we ca n't afford to keep the house and would lijke for Bank of America to at least help us out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under XXXX, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the 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 or other personal consumer reports

These are unauthorized inquiries ; I received alert when I woke up I noticed that this inquiries was added to my account approx at XXXX. I would like this three deleted as I stated before theyre unauthorized XXXX ( 2 ) both dates XXXX Onemain financial XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED/STOLEN XXXX AND REPORTED TO LAW ENFORCEMENT. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Checking or savings account

I opened a CD at Bank of America on XXXX and deposited {$30000.00}. Annual percentage yield : 3.20 %, deposit period 13 months. Maturity Date : XX/XX/XXXX. 
I opened a CD on XX/XX/XXXX /Withdraw this amount in XXXX and find that the interest is only {$820.00}. 
It is easy to calculate {$30000.00} x 3.2 % = {$960.00} annual interest, and it should be more in 13 months. 
I asked the bank staff about this matter, but the staff didn't understand either. After asking my superiors, they replied : This matter is not under their control. I was asked to contact the CD department of Bank of America myself. I called the CD department and the staff said that they saw my response. The interest amount was {$950.00}, but he didnt know why it was {$820.00}. He couldnt make up for it for me. He could only report it to his superiors, and it might take two months to get back to me. 
This was clearly an act of fraud or corruption, so I reported the matter to the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan was closed out and sold to a debt collector.
Product: Credit reporting or other personal consumer reports

There are many accounts on my report that I've never seen before listed on my report. Attempted to dispute but nothing came of it.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute a debt that has been attributed to me, as listed on my credit report. I demand that you immediately provide verification of this debt in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which grants me the right to request proof of any alleged debt that is reported in my credit history. If you can not provide valid and verifiable evidence that this debt belongs to me, I expect this entry to be removed in full of my credit report within 30 days ( about 4 and a half weeks ).

To aid in the process, I request the following information regarding the debt : 1. The name of the original creditor.

2. The original amount of the debt and an itemized breakdown of the charges.

3. Any evidence that I am the person responsible for this debt.

4. A copy of any judgment or agreement that verifies the validity of the debt.

It is also important to note that my rights under Section 605B have been violated as this concern is impacting my ability to secure proper housing for myself and my XXXX child. I am currently facing undue hardship due to the negative effects this inaccurate reporting is having on my creditworthiness. 



Additionally, I must express my dissatisfaction with the handling of my dispute by XXXX. Despite submitting my dispute, it appears that XXXX failed to thoroughly investigate my claim or take corrective action to rectify this issue, as required under the FCRA. This failure to conduct an accurate investigation has only compounded the damage to my credit standing, and I will not tolerate further delays in resolving this matter. 



Furthermore, given the widespread XXXX data breach, I demand that all actions regarding my credit be reviewed with heightened scrutiny to ensure that no erroneous or fraudulent information is being reported under my name. The breach has already jeopardized my personal information, and I expect any reporting errors to be corrected immediately and thoroughly.

Legal Action : Please be advised that failure to comply with these requests within the specified 30-day period will leave me with no option but to seek legal action. I will not hesitate to pursue all available remedies under the law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking legal representation to address the harm caused by this unresolved dispute. 



I expect a full and immediate investigation and the removal of any incorrect information from my credit report. Please respond to this dispute in writing and provide me with the necessary documentation within 30 days ( about XXXX and a half weeks ).