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

An Item was purchased via credit card on XXXX XXXX, 2022 ( order # XXXX ), the order was for size 1 and the " Company '' sent size 0. The " Company '' is XXXX XXXX XXXX ( email : : XXXX and phone # : : XXXX ). A request for the correct product was made via phone and email to the company ( documented emails ) but the company will only reimburse the cost if the item is returned via my shipping cost. ( is it not legal for the company to charge the customer for internal company mistakes ). 
Due to this unresolved dispute I contacted my credit card to dispute the charges. CapitalOne ( fax # XXXX and phone # XXXX ). they created a case # XXXX on XX/XX/XXXX. CapitalOne reached out to the supplier and asked if they sent the incorrect product and they said ( no ) the " Company '' Lied to the credit card in written stating they never received correspondence with me. I received a document from CapitalOne closing the case stating the goods were received in good condition. A phone call left me in tears from a rude customer service representative who would not reopen the case and refused to dispute the case any further. 
i have been forced to contact further resources for assistance. 

Attachment 1 - picture of size 0 product sent Attachment 2 - A ) Fax to CapitalOne regarding dispute XXXX-22 B ) Letter sent requesting reimbursement for mail fraud C ) Response from CapitalOne - rejecting the dispute D ) Response from XXXXXXXX XXXX XXXX XXXX/22- stating they received no correspondence from customer and they provided product as stated. 
E ) that diagram 3 - order conformation F ) Correspondence with XXXX XXXX XXXX XX/XX/XXXX, - XX/XX/XXXX G ) Return process requesting me to pay for return Attachment 3 - Order showing product size of ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX have reported incorrect information on my credit report that is not mines which are XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Debt collection

Received a letter from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The letter was to settle a debt that was transferred from XXXX or XXXX XXXX. Who I found out after speaking with XXXX XXXX that they transferred the debt back to XXXX XXXX. After I had requested a Debt Validation. My main concerns are they have not ever validated the debt that I request, and upon speaking with them they tell me I need to provide proof of the difference but that is their job as they are collecting on this account. I have never received a break down of how they come with the terms of what I owe. They also do not communicate or update me with anything in regards to this account. Not until I spoke with a collection representative named XXXX today XX/XX/XXXX at approximately XXXX that my account had a cease and desist which I did not put on the account. In addition to the debt validation and balance dispute ; When XXXX first took over this account in XXXX they never sent me any correspondence informing me this was an attempt to collect a debt or that it was in collections. I had a personal loan with Avant  or XXXX XXXX and when it had fallen behind I was under the impression I was with an in house Collection or team who would help me get the account in current status and not until I missed a payment is when all of a suddent this collection is on my credit and they demand the full payment or an unaffordable monthly payment. The whole relationship with this collection agency has been falsely represented and unfair from the start and they need to be fined or looked into on their practices. Furthermore, if this is a business who wants to settle or collect on a debt they would have realistic payments and at this point I am being yo-yoed and played with over a debt that could be paid for and settled. I don't know who to work with or make payments to when I do try to agree to some sort of terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries I have previously disputed with the CRA and they have failed to provide proof of the fraudulent inquiries with my signature XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Equifax XX/XX/XXXX Credit Info XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 States I have the right to privacy These are all being reported without permissible purpose.
Product: Mortgage

On XX/XX/2016, I, with the help of an advocate from a non-profit organization, contacted Bayview Loan Servicing regarding an increase in my mortgage payment. We spoke to XXXX ( XXXX ) at Bayview, who advised that an escrow analysis had been completed and the shortage of {$560.00} had been divided over a 48 month period to keep my payment affordable at {$370.00}. I was concerned about an additional amount appearing on my statement of {$11.00}. The Bayview representative indicated that the fee was a remaining fee from when my modification was completed and that the {$11.00} did n't have to be repaid right away. XXXX indicated that the fee could be repaid at anytime in the future, that it was n't accruing any finance charges or additional fees. My advocate confirmed with the Bayview representative that as long as I paid {$370.00}, that I was paying my full monthly mortgage payment. XXXX confirmed this and indicated that anything over {$370.00} could be applied towards that {$11.00} outstanding fee as long as I indicated on the payment that any overpayment would be applied to the outstanding fee balance. 

On XX/XX/2016, I was concerned again about my monthly statement from Bayview. It appeared that nothing had changed with my payment and that another fee was assessed. My non-profit advocate assisted me with a call to Bayview again. We spoke to XXXX. He advised that my monthly payment amount is {$380.00} and that I was assessed a corporate advance fee of {$11.00} because the payment of {$370.00} that I sent to Bayview was not a full payment so instead of causing my loan to fall behind, Bayview advanced the shortage to make the full payment. Although I 'm thankful that my account was paid in full for XXXX and XXXX, I feel that I and my advocate were mislead when we contacted Bayview on XX/XX/2016. 

I 'm on a fixed income. I had to apply for a mortgage modification to get my loan back on track and avoid losing my home. I have no intentions of falling behind again and never want to be at risk of foreclosure again. I need for the mortgage company representatives to be forthcoming and accurate whenever I call to request information. If my advocate, whom I trust to ask the mortgage company the correct questions, felt mislead by the call to Bayview on XXXX XXXX, 2016, then I feel they could be misleading other consumers.
Product: Credit card or prepaid card

On XX/XX/2022 I received a text text message at XXXX AM from Discover card services saying that a charge was being placed on my bill. The charge involved was on an old credit card from Discover that was used fraudulently not by me. The card was not lost stolen or anything but Discover card said that someone else had used fraudulently in another state. I immediately called and said that the charge which was a renewal of a XXXX membership card was not authorized because I had not authorized automatic renewal. Each time I called I was on the phone for an extended period of time. In about a week the company told me that they had taken the charge off my bill and I would see it on my statement in 10 days. That never happened. My credit card which Ive had since maybe XXXX is auto paid and never carries a balance. When this charge occurred it really was never taken off my bill and I paid for it. When I called the company to question they told me that the charge had already fallen off their copy and I should just wait a little longer. That never happened finally I called and spoke to a supervisor. the call took 47 minutes and she told me that even though the charge was put back on a subsequent bill and then taken off I made her realize that I had still paid for that on a previous bill she apologized all over the place and after 47 minutes of hold time while she was checking, said that the credit had been put on my old fraudulent case credit card number. She promised me that she would personally take care of it and I would see the credit on my billing statement online within 72 hours that was on XX/XX/XXXX. As of today I still have not received a credit that I can see another bill has been auto paid. This charge is for {$59.00} for a XXXX membership renewal. The supervisor told me that they realized when XXXX responded that I did not authorize automatic renewal. But I just cant seem to get my money back and I refuse to speak to these people anymore. They speak down to me and dont listen. they keep shuffling me from department to department. Apparently none of the departments speak to each other and they dont even make a referral to the other department. I want my money returned to my account. I feel like they have stolen money from me. I also feel like I have been bullied and abused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel this issue is a negative impact on my account the bankruptcy was never filed in court it never went through any legal actions i feel the company does not want to help me by removing this issue off my account it is interfering with me getting things for me and my son and i just wish for them to remove it off my account if you look into the issue you can see that it never proceeded with anything
Product: Debt collection

XXXX XXXX, 2012, I registered for an alarm system and monitoring service for my home with XXXX XXXX. Immediately after installation, the equipment installed stopped working. I contacted the company and explained the situation. They refused to repair the problem. Consequently, we no longer paid for a service that had never been provided. Regrettably, several years later, I find that this company is pursuing me for this debt through a debt collection agency. This is a terrible business practice. The company is relying on the amount of time that has passed to pursue a bill that they had by no means earned.
Product: Credit card or prepaid card

Discover Financial is report inaccurately when my credit report was pulled. Although charged off in XXXX of 2019 there shows an updated balance that reports every month. This is a violation of FCRA and should be corrected to be a closed account in charge off status without a monthly reported balance.
Product: Debt collection

Original Creditor : XXXX Issue : I do NOT owe the money and refused to pay it. They sent it to collection. It 's now damaging my credit report. 
XX/XX/XXXX : Signed up with XXXX for ONE YEAR. 
XX/XX/XXXX : Sent a letter to XXXX stating that I do NOT want this automatically renewed at the end of the contract. No response. 
XX/XX/XXXX : The contract expired. Sent a new contract via email WHICH I NEVER SIGNED. 
After this I continued to see monthly charges on my credit card. When I alerted my credit card company about the fraudulent charges XXXX could not charge my card any longer and sent me to collection. 
XX/XX/XXXX : Sent another letter to XXXX stating that I did not want this contract renewed and never signed. No response. 
XX/XX/XXXX : Letter to United Resource Systems - no response. 
I attempted to dispute this with the credit agencies without resolution.
Product: Credit reporting

I have received reports showing that a company known as Equifax Mortgage_SOL, a subsidiary of Equifax CREDIT BUREAU IS BEING PAID BY SOME OTHER COMPANY TO MAKE HARD CREDIT INQUIRIES INTO MY CREDIT FILE WITHOUT MY PERMISSION. tHIS HAS BEEN GOING ON FOR ABOUT 18 MONTHS AND I HAVE BEEN STONEWALLED BY EQUIFAX AS TO WHO IS PAYING THEM AND RE FUSES TO GRANT MY REQUEST TO CEASE AND DESIST MAKING THESE HARD CREDIT INQUIRIES WHILE REPRESENTING TO OTHER COMPANIES AND CREDIT BUREAUS I AM EXCESSIVELY APPLYING FOR CREDIT. I AM NOT DOING THIS. NOW THESE PRACTICES ARE HARMING ME FOR HAVING MY MORTGAGE REFI DENIED FOR EXCESSIVE HARD CREDIT INQUIRIES THAT ARE BEING MAINTAINED BY EQUIFAX FOR EXCESSIVE PERIODS OF TIME THAT ARE FALSE HARD CREDIT INQUIRIES IN THE FIRST PLACE. THIS IS HARMING ME BY REDUCING MY CREDIT SCORE AND PUTTING ME INTHE SUBPRIME MORT GAGE MARKET AND BECOMING A VICTIM OF PREDATORY MORTGAGE LENDING PRACTICDS BY PRIVATE EQUITY FIRMS USING TABLE LENDERS TO MARKET THEIR SECURITIZED TOXID LOANS. EQUIFAX HAS BEEN STONEWALL ING MY COMPLAINT ABOUT THIS PRACTICD FOR ALMOST TWO YEARS AND IT ALSO VIOLATES THE CONSUMER PROTECTION LAW KNOWN AS THE FEDERAL FAIR CREDIT REPORTING ACT AND IS AN UNFAIR PRACTICE VIOLATING FEDERAL TRADE COMMISSION RULES AND REQULAIONS AS WELL AS THE CONSENT AGREEMENT TO END THEM BETWEEN EQUIFAX AND THE NEW YORK ATTORNEY GENERAL 'S OFFICE IN XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed 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 ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts and inquires to be blocked and deleted company information Transunion. Please delete the following accounts and inquiries : XXXX balance {$1600.00} Account # XXXX opened on XX/XX/XXXX ; XXXX XXXX  XXXX {$15000.00} Account # XXXX opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent a letter out on XXXX to XXXX, Transunion, XXXX and XXXX here is my tracking number : XXXX however the credit bureaus said the completed the investigation and everything was 100 % accurate According to the law 15 U.S code section 1681a Definition rules of construction the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to and how did they complete this investigation
Product: Mortgage

We are having a nightmare of an experience with Shellpoint mortgage. PLEASE HELP!! Shellpoint Mortgage and XXXX XXXX XXXX are fraudulent and unethical companies/organizations. 

Our mortgage was sold from the original bank who we refinanced with to Shellpoint Mortgage in XX/XX/2019. We were not aware of the sale as we received absolutely no documentation of the sale/transfer and we continued to pay our previous mortgage company. 

Once we found out the identify of the new mortgage holder, Shellpoint Mortgage c/o XXXX XXXX XXXX, we began making payments to them. We made a payment in XX/XX/2019 ( because they misplaced the one we made to our previous mortgage company so we ended up having to make a double payment in one month ) and then with the payment we made directly to them, they misapplied it to our mortgage account. I called Shellpoint to rectify their misapplication of the direct payment and was told they would apply it correctly. They did finally apply the payment correctly but did so late and therefore we incurred additional interest which they still have not refunded. We should not have to pay the extra interest because of their error. 

Also because of their misapplication of the direct payment, they reported us to the credit bureaus as having been 30 days late on our payment. Not only was this incorrect but it also was a violation of the Federal Law as they had only assumed the loan from our previous mortgage company in the same month they reported us to the credit bureaus. We have filed with the credit bureaus to have this resolved and have also asked Shellpoint for a letter stating it was their error and now have been waiting over three months for them to resolve this issue. This is impacting our employment as well as our ability to refinance our mortgage. 

Additionally, they still have not found our additional payment we made to our previous mortgage company in XX/XX/2019. That mortgage company took in the payment but it was never applied to Shellpoint. The previous company said this is Shellpoint 's issue and we have requested payment to be applied ( XX/XX/2019 it was requested ) and are still waiting for a resolution. To me this is stealing from their consumer. 

Next, we received a letter from Shellpoint that they paid our taxes 5 months late even though all the monies were in our escrow account. This impacts both mine and my husband 's occupations. As a result of their ineptness, in XX/XX/2019, we requested the escrow to be closed and to allow us to pay our own taxes and insurance. This request still has not been acted on and we are still awaiting a decision. This is past the Federal allowance time for them to answer such a request ( 30 days ) thereby violating Federal law to which after my 8 phone calls to them on this issue they admitted to violating the law but still have not resolved. We want our escrow with them closed.
Product: Credit reporting or other personal consumer reports

i have fradulent and inconsistent information on my credit reports on all 3 credit bureau XXXX ( 3 ) Hard inquiries XXXX XXXX XXXX on XX/XX/2023 XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX {$480.00} i have no knowledge of these accounts are they were fradulently opened and unauthorized. 

Equifax Hard inquiries XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5000.00} XXXX XXXX {$1400.00} no knowledge of these accounts, collections and inquiries, all fraudulently done i have disputed all these with the bureau
Product: Mortgage

Back when homes were underwater during the real estate bubble time around 2005 I purchased my home, a couple years later I fell into foreclosure due to marital seperation and was struggling to make ends meet with a young child. What helped me was a hamp program I entered into I believe but am not sure was called the principal reduction act. 

With this program after 5 consecutive years of compliance with the program the 50k loan was forgiveable. My loan was transferred from XXXX XXXX aka XXXX to Rushmore Mortgage. For years all I have done is work and work. I thought I would now be able to request a Heloc loan or refinance to be able to get a small portion of the homes equity and open a XXXX XXXX XXXX XXXX  and when I tried to do so was denied by several lenders for having a second principal which was to my surprise I thought it was satisifed. ( See Satisfaction of Mortgage ). When I tried contacting Rushmore about it and provided supported documentation they told me they would be researching, then today I was told to resolve it with XXXX. Quite frankly I am exhausted of trying to put the effort to get someone to resolve this and really need some help with authority in making these folks correct there wording in a payoff and correct balances, and stop jeopardizing my future. I am sure I can not be the only one this has happened to. Attached is the XXXX evidence when it was paid on XXXX, Satisfaction of Mortgage, and also how it is currently reflected as a 2nd principal balance on a current payoff.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016, I divorced my ex-husband XXXX XXXX. I am attaching a copy of the divorce decree that clearly indicates that he took sole possession and responsibility for the vehicle that was financed by GM Financial. But despite that, GM Financial continues to report this account on my credit profile. I have been in contact with the credit bureaus and GM Financial to correct this error, but the account continues to remain on my credit report.
Product: Credit card or prepaid card

CREDIT INSURACE ON THE ACCTS THE BANK COMMITTED FRAUD AS THEY WERE PAID BY INSURANCE BUT THEY CHARGED OFF THE ACCT WHICH IS FRAUD
Product: Debt collection

A company called Credence Resource Management called my personal cell phone continuously. never left any messages. 12 calls since XXXX XXXX, 2016. I requested my personal credit report to confirm I have no outstanding debt collectors. Do n't know who this agency is or why they are calling, but they are impersonating an agency attempting to collect an outstanding debt.