23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Between XX/XX/XXXX and XX/XX/XXXX, my mortgage company Shellpoint/NewRez received my mortgage payments and cashed them in, but has failed to apply them to my mortgage statement. I have submitted a request for an investigation with my bank, XXXX XXXX XXXX, in XXXX and again in early XXXX. In both instances, the investigation shows that ShellPoint received my payments ontime and cashed the payments. 

I've spent a disproportionate amount of time trying to prove to the mortgage company that they in fact have my money. I've been threatened with foreclosure and this situation is starting to impact my health. 

I may have figured out why the payment is not being processed on my own. When NewRez provided me with the account number last XXXX, they omitted a " XXXX '' at the beginning of my account number. I explained this to the representative at Shellpoint multiple times and they refuse to do any work to correct the matter. I made the adjustment to my XXXX payment, and it has been processed on time. 

I need some intervention and assistance. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

SYNCB-Care Credit-I place a dispute on the company requesting proof of the original documents that were originated. I never received these original documents. 

Section 611 ( 5 ) ( A ) if the FCRA- if an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-promptly delete that item. Im requesting again to obtain a copy of the original documents pertaining to the account.

Please remove the inquiry from my credit report immediately, if original documents cant be provided. The inquiry has caused financial emotional duress.

XXXX XXXX ( formerly XXXX )
Product: Credit reporting

there is a company who pulled my credit without my permission called XXXX. However Experien refuses to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I have filed a police report for fraudulent remarks on my Equifax, XXXX, and XXXX Credit Reports. I have also sent them two letters, demanding proof that these accounts are mine. I requested to see proof of my signature, that ties me too these negative remarks. These accounts are as follows ; Equifax : XXXX, XXXX XXXX, and XXXX 's accounts. XXXX : XXXX XXXX XXXX XXXX, XXXX 's XXXX XXXX : XXXX XXXX, and XXXX XXXX. They continue to state that these accounts, have been verified. Yet, the have not supplied me with any supporting information containing my signature. I am asking for assistance with the CFPB, in resolving this matter. I thank you in advance! 
XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX : sent student loan account to debt collection agency ; account was sold- balance considerably lower than original amount The original Student Loan Account was " in lieu '' of action/charges against college for falsifying grades for final class grade reports. [ XXXX XXXX XXXX XXXX, New York STATE ] ( XXXX, New York XXXX )
Product: Mortgage

Overview -- -- I'm making this complaint due to Regions Mortgage attempting to force my online payments into being late. This has happened more than a few times, especially when the payment dates fall on XXXX. I have contacted the company over this in the past and they tried to claim I did not schedule the payment " within the stated time requirements '' and here we are again. Obviously they have still not corrected the problem, as today I HAVE again met their time requirement for the payment to be posted on XX/XX/XXXX. -- -- - XXXX  ( XX/XX/XXXX ), I logged onto the Regions Mortgage website at about XXXX XXXX XXXXXXXX to schedule a payment that is due by XX/XX/XXXX to be considered " on time '' -which MUST ALSO be scheduled before XXXX. XXXX ( see below ) However when I attempted to select the payment date or date for automatic withdrawal from my bank account, I could not select today nor any date before XX/XX/XXXX, well after the " on time '' due date. -- -- - This is in direct conflict with the statement on the bottom of the Regions payment webpage that reads : " All requested transactions ( i.e. payments and cancellations of payments ) must be submitted by XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXXo be effective for such day. '' I have attached a screenshot of my payment showing this information along with the receipt showing the transaction information. -- -- - The last time I checked, XXXXXXXX XXXX XXXX, is well before XXXX XXXX XXXX  it is XXXX, and therefore the payment date of XX/XX/XXXX should have been available for selection according to their requirement. -- -- -- I have had many problems with Regions over the years including my refinancing in XXXX, where the Bank Loan Officer kept calling my employer on a weekly basis for 6 weeks to re-verify my employment. Very embarrassing and bordering on harassment, I complained to her regional supervisor and he made her stop waiting to close the loan. After that I will NOT allow any issue to go unreported, especially one that could cost me a late fee and a late mark on my credit report. I have not had any late payments in over 4 years. -- ---
Product: Credit reporting

I 'm issuing a complaint to equifax credit bureau I need them to take off all of the hard inquiries from XXXX XXXX 2016 I did not give the auto loan place permission to run my credit report to a bunch of different banks I need equifax to take off the hard inquiry 's from XXXX XXXX 2016
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally lodge a complaint against TransUnion regarding the inaccurate reporting of an account named XXXX on my credit report. TransUnion is reporting this account as a profit and loss write-off, which is incorrect.

I have requested a 1099-C form from the company, yet the reporting remains inaccurate on both TransUnion and XXXX. Under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report accurate information. The discrepancies on my credit report are preventing me from obtaining necessary resources to improve the quality of life for myself and my family. 

I also want to highlight that the inconsistencies in reporting may lead me to report this matter to the IRS for potential fraud. It is crucial that all information on my credit report is accurate and consistent, and in this case, it clearly is not. 

I kindly request that you investigate this matter and ensure that the incorrect information is removed from my credit report promptly. 

Thank you for your attention to this urgent issue.
Product: Checking or savings account

4 Counterfeit Checks were drawn on our account as follows : Check XXXX in the amount of {$3900.00} on XX/XX/XXXX Check XXXX in the amount of {$3800.00} on XX/XX/XXXX Check XXXX in the amount of {$4900.00} on XX/XX/XXXX Check XXXX in the amount of {$4700.00} on XX/XX/XXXX Total Money owed to us from US Bank is {$17000.00}
Product: Bank account or service

I called and requested that my paper statements be stopped in XX/XX/XXXX. I was closing my account so no longer needed them. I have been getting them still to this day XX/XX/XXXX and am still being charged for them. The company person ive been dealing with is XXXX XXXX. He refuses to put the right amount back on my account. I have statements proving my correct amount owed to me from XX/XX/XXXX to XX/XX/XXXX. He states they cant figure out how to stop the statements they are working on it but here we are 7 months later and still being charged for these and on a closed account. He also refused to give me any different contacts or phone numbers to someone higher then him.
Product: Mortgage

I am a XXXX  military veteran with XXXX percent XXXX. 

I purchased a home using my VA certificate with Mr cooper/ Nation star. 

Because I have a XXXX XXXX XXXXXXXX  XXXX rating of XXXX percent, I qualify to be exempt from paying property taxes. 

I received my letter from the XXXX County Property taxes department and forwarded a copy to Mr Cooper on 3 months ago. 

The customer service department told me that their company does not comply with the tax exemption for veterans program. Needless to say that I am very disappointed and confused as to how they can deny this right to me.
Product: Mortgage

I'm not sure if it's too late due to the Statute of Limitations in the State of Maryland. I was going through a divorce and I went through so many different processes to get my mortgage modified. I went through the Bankruptcy court with one attorney who was arrested for some unknown charge and I was told I needed an attorney to represent me in court. I hired another attorney who represented me at the beginning. At one of my hearings my attorney no longer fought for me and told me to give up. I was greatly concerned because there appeared to be fraudulent activities in the documents. There was information on the notarized documents that were altered and whited out above my signature. There were investors names as the lenders as opposed to a bank. There were so many things I believe was wrong. I believe during that time there were kickbacks, fraudulent taking of homes. I was giving I believe {$2500.00} to move out of my home. I had no idea who these individuals were that took my home. I felt bullied and scared because I had no one I could trust to represent me. I believe until this day that the process of my home taken was fraudulent and illegal. I know I can't get the house back but if I could I would like to be compensated if possible by the crooked individuals who stole my home due to my ignorance of the law when it came to real estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX, Natioal Credit Adjust, XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide XXXX disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/2024
Product: Debt collection

On XX/XX/XXXX XXXX XXXX filed civil suit for XXXX. My account shows a computer was shipped to me back in XX/XX/XXXX. The computer that is on my account and supposedly sold to me I never received and it doesnt even XXXX up with the order number on the account, the date doesnt match and even the address doesnt even match at the time they ship pied it to where I lived. XXXX has no filed a summary judgement Against me and everything I have to show them that this is all wrong they wont even look at it. And, I really thin this is unfair and not being handled correctly.
Product: Checking or savings account

I lost my debit card and I have a copy of it on my " XXXX XXXX ''. In addition to that I didn't realize my debit card was missing because I have all of my bank cards on my " XXXX XXXX '' so when I finally realized I lost my physical debit card, I immediately call " Key Bank '' and I told the representative what happened and as we were on the phone the thief did a with-drawl and I pointed that out to the representative.It 's been four months since they did anything about it, every time I call they would always give me the run around and give me false dates to expect the " provisional credit ''. Last minute they told me that my claim was denied because it was me that went to the bank to make that withdrawal. they claimed to have CCTV footage of me taking out cash, They claimed the person had dread locks and I don't have long hair i have a short hair cut and I'm XXXX and XXXX the person they described was a completely different person from me. I was told to send a selfie and a picture of my state ID which I did and they still didn't reimburse my money and this has been going on for four months now and I think its very unfair the only reason I even started banking with them was to start saving and eventually get a credit card with their institution. My account was even closed and at this point i am desperate and i do not know what to do, I need the funds asap because i am way behind on bills at this point and even missing meals because of this situation. I sent them proof and I've been inside the key bank institution once and thats when I went directly to the teller and made a deposit into my account for about " {$5700.00} ''. This might not be the exact amount just to be clear but it was around that amount.
Product: Student loan

I received a call today XXXX XXXX, 2016 from Transworld Systems , Inc from agent XXXX XXXX claiming I have XXXX outstanding Federal Student loans in their office and I must set up a payment plan with them. I explained to him that the only XXXX federal student loans I have outstanding are with NAVIENT and I am currently making payments to them on a monthly basis. The agent stated that I may be right about giving payments to XXXX but that I still have XXXX other Federal Student loans delinquent in their office. I am very confused about this and it concerns me, as it is not reporting on my credit report. The only student loan reporting on my credit is from XXXX. I would like to receive some assistance to get to the bottom of this, as this may be a fraudulent claim.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I attempted to create an Equifax account for the purposes of receiving a credit report and freezing my credit in light of the recent data breach around social security numbers. I attempted five different times to create an account, each time with an error that told me to call their customer service number. However, when I attempted to call them, I was put on hold indefinitely, with no alternative method of contacting them. This is extremely consumer hostile and unsafe, as I have no way of protecting myself from fraud without access to my Equifax data.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Credit Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 A. States I have a right to privacy.

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

15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

the major three credit reporting agencies have not been helpful. i have made several inquiries on my report that items were not mines due to the XXXX breach that happened hears ago. they would take it off then it reappears.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for XXXX, Equifax and XXXX to remove these fraudulent inquires asap. the inquiries are as follows. XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Mortgage XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Purchased two tickets to fly to XXXX in XX/XX/XXXX at XXXX XXXX XXXX, for myself and my wife Tickets purchased on XX/XX/XXXX Used miles to purchase tickets, XXXX miles per ticket Paid taxes by Chase XXXX XXXX XXXX XXXX credit card XXXX, for myself : {$140.00} Pais taxes by Chase XXXX XXXX XXXX credit card XXXX for my wife : {$93.00} XXXX XXXX XXXX offered free cancellation and full refund ( per their website ) I closed Chase XXXX Mileage Plus credit card XXXX around XX/XX/XXXX Cancelled tickets in XX/XX/XXXX, and XXXX miles posted back to our XXXX Mileage Plus accounts. Also received refund of {$93.00} back to Chase credit card XXXX According to XXXX XXXX XXXX, all taxes were refunded back to XXXX credit card XXXX on XX/XX/XXXX. They said since the credit card was closed, I should have received check from the Chase bank Contacted Chase bank regarding refund, they said they did not receive any refund from XXXX XXXX XXXX XXXX XXXX insisted they did process refund successfully on XX/XX/XXXX, opened a complaint with CPFB ( XXXX ), asking Chase to issue refund. 
The Chase final response ( attached ) was that even though XXXX XXXX XXXX attempted to issue refund, it was rejected on XX/XX/XXXX Since then, has contacted XXXX XXXX XXXX multiple times, and has received two responses alternatively : Refund was issued on XX/XX/XXXX, and I should contact my bank An itinerary change was made by XXXX, and that XXXX no longer has access to the itinerary, and that I should contact XXXX regarding refund Did contact XXXX, and they were unable to locate my itinerary, and also stated that since the original purchase was made with XXXX, only XXXX can issue any refunds
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is several unauthorized credit inquiries made by the companies listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.
Product: Student loan

Requested student loan payment refund for the payments I made between XX/XX/XXXX to XX/XX/XXXX. Request first made over the phone on XX/XX/XXXX, but Aidvantage didn't actually submit my request until I called on XX/XX/XXXX. At the time I was given an estimated eta of up to 6 weeks until I will receive the refund. As of XX/XX/XXXX, Aidvantage has yet to even update my loan balance on their site, let along forwarding my balance to FSA.gov. I was further notified that the processing time is now up to 12 weeks. The loan was transferred from XXXX and all payments were made while the loans were still serviced by XXXX.
Product: Credit reporting or other personal consumer reports

NAVIENT Discharge/delete creditor. I HAVE A TOTAL AND PERMANENT XXXX AND THIS ITEM ALONG WITH ALL OF MY OTHER STUDENT LOANS SHOULD BE XXXX AND DELTED SHOWING XXXX DOLLAR BALANCES. In addition, your company can not provide proof of ownership by original contractual agreement with a wet ink signature. RE : XXXX XXXX XXXX this item must be deleted, or we will pursue civil action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report before going to purchase a car and I noticed these accounts that don't belong to me. 

1. XXXX XX/XX/XXXX {$430.00} 2. XXXX XXXX   XX/XX/XXXX {$110.00} 3. XXXX XXXX XX/XX/XXXX {$220.00} 4.XXXX XXXX/ XXXX XX/XX/XXXX {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. For several months XXXX has been working on the behalf of XXXX XXXX to resolve her identity theft issues. XXXX XXXX was recently advised in a letter from TransUnion they were not able to comply with FCRA because a police report was not provided to them in an order to dispute information related to the identity theft on her TransUnion credit report. While a police report was not provided, a police information sheet along with her notarized FTC affidavit with her police report information and reporting officer was given. TransUnion is currently in violation of the FCRA by failing to remove fraudulent related information from a credit report of a victim of identity theft after that information was disputed. The items are fraudulent inquiries from XXXX XXXX X/XX/2016, X/XX/2016 and XXXX X/XX/2016.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate information on my credit report, specifically concerning my XXXX XXXX XXXXXXXX XXXX account. Upon reviewing my credit reports, I have identified several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). I am committed to resolving this matter amicably, but if necessary, I am prepared to escalate this issue to the attorney general of my state for further investigation. 
The inaccuracies are as follows : * XXXX XXXX XXXXXXXX, as reported to XXXX, indicates an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, and a XXXX late payment. This is misleading and inaccurate. 
* XXXX XXXX XXXX, as reported to XXXX, shows last payment on XX/XX/XXXX, a XXXX late. The account closed on XX/XX/XXXX. This information is incorrect and unfairly represents my payment history. 
* XXXX XXXX XXXXXXXX, as reported to Experian, suggests an open account on XX/XX/XXXX, closed and paid on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, accompanied by a 30-day late payment. This is inconsistent with my actual payment history.