23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX sent me to collections XXXX for a XXXX XXXX that never happened. They were not communicative at all, never received information until XXXX Of 2022 over a year after we tried the XXXX. When they finally contacted me back, they said THEY owed me money and I wasn't in collections, which I am and it's ruining my credit. yet I still paid a charge, in full, for something they owe me a refund for. I also have proof of a XXXX balance. I have messaged and emailed and attempted to contact them repeatedly for clarity but absolutely no response or resolution.
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 {$21000.00}, {$3100.00}. 
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 ) -- OPEN ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
Product: Mortgage

My wife lost her job a few years back which made it very difficult to keep up with our bills. We kept paying our mortgage until our savings ran out and then we could no longer make the payment. We reached out to our lender for help but they would not help us. I now have a very good job and feel I can make the payments so I applied for a modification with Nationstar Mortgage. On XXXX XXXX, 2015 my loan modification was denied. By this time there was a trustee sale set for XXXX XXXX, 2015 and I was very afraid of losing our family home so I hired the XXXX XXXX XXXX to help me. They looked at the decline letter and found several errors in it. They sent in an appeal letter proving that I do qualify for the modification on XXXX XXXX, 2015. The reason for decline was negative NPV and the appeal letter stated that Nationstar did not provide full values used when calculating NPV so we could not fully understand the reason for decline. The appeal was denied on XXXX XXXX, 2015. Nationstar provided some of the NPV values but the list was still not complete. The XXXX XXXX XXXX is going to appeal again but I am so afraid that Nationstar will not do the right thing and modify my loan and I will lose my home. My house is still underwater. I am not asking for any principal reduction. I want to pay what I owe Nationstar. I am only asking for a 1 % drop in my interest rate to 3 % so I can have an affordable payment and will not default again.
Product: Mortgage

I've already submitted one complaint about the inability to pay. This complaint is about the lack violations of Truth in Lending and RESPA, but involves the lack of information ( rules, new terms, difference from prior loan, lack of payment stubs ) provided by the company when Shellpoint Mortgage took over the loan from XXXX XXXX XXXX on XX/XX/XXXX. Backstory is that I called to make 2 payments on XX/XX/XXXX, was told I wasn't in the database, called 10 days later as told, but was not allowed to pay because I was " behind 5 payments '', of which the 5th payment was the XX/XX/XXXX payment that I was not allowed to pay. The 4th was the XX/XX/XXXX payment that I was going to pay. I was told that I had to make ALL or NONE of the payment. I questioned why my RESPA 60 day time period was not being upheld, and have had no answer. TODAY, I called and was told something totally different- I was told in XX/XX/XXXX, I didn't have to pay all the mortgage that was behind, but only 3 payments, which we could have done. I HAVE NEVER RECEIVED ANY INFO regarding loan servicing standards, rules, payment options that were different, as above, than XXXX XXXX XXXX. I questioned to day via phone, and via email yesterday, why I was not sent any packet whatsoever, even requesting that early on, OR statements and I was told that it was because I had to request those from customer service. How can a company can take over your mortgage and expect you to abide by a different set of rules than the former company if you've never given a set of rules????? I was told I had to pay late payments, I questioned why now if XXXX didn't make me, and then was told it was her mistake and I didn't have to pay late payments. You can't expect to follow any rules if you've ever received them for ANY reason. That's a violation of TIL and RESPA.
Product: Credit reporting or other personal consumer reports

Hello on XX/XX/ I submitted a request to equifax to provide information about some collection accounts listed on my account and until this day they have yet to respond to my request to fix this. To my understanding they have 30 days but have yet to respond.
Product: Credit reporting or other personal consumer reports

In accordanse with the Fair Credit Reporting Act. The list of the accounts below has violated federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not funish a account without my written instructions 15 U.S.C 1681C. ( a ) ( 5 ) sections states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, others than records of convictions of crimes which antedates the report by more than seven years. 15 U.C.S 1681s-2 ( A ) ( 1 ) A person shall not funish 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 innacurate. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fradulent account.
Product: Debt collection

I was the victim of identity theft I have never lived anywhere besides where I live now XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Does debt collector national credit system is contacting me trying to collect a debt that is not mine. I am attaching my expired drivers license as well as a newly issued drivers license which shows my address that has never changed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested a debt validation letter form RENTDEBT AUTOMATED COLLECTIONS as a result of a dispute investigation that was performed and resulted in the result being verified as accurate. I called again on XX/XX/XXXX and requested a debt validation letter again and it was never received. I called in on XX/XX/XXXX to request the debt validation letter and the company stated that it was sent out via mail on XX/XX/XXXX but because XXXX XXXX name was input incorrectly it prevented me from receiving the document. After reading the FCRA 15 USC 1681 ( a ), I now realize that credit reporting must be fair and accurate. Sub Section XXXX, states that consumers have the right to privacy. My privacy has been grossly violated and this company is party to libel, slander, and defamation of my character. They are reflecting a balance of {$19000.00} and has reported that information to other companies including tenant screening companies, consumer reporting agencies as well as major consumer credit reporting bureaus such as XXXX XXXX and XXXX. This has heavily impacted the pursuit of happiness and is not fair or equitable to me in any way and the deletion of this debt is eligible under the FCRA rules.
Product: Credit reporting

This credit reporting bureau is reporting incorrect information under a XXXX credit card that was closed many years ago. There is a very old credit card still displayed on my credit file which is showing a 30 day late payment. The late is displayed in XX/XX/2010. I wrote a letter asking Equifax to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XXXX and was informed by them that these late were not verifiable and no longer on record an that Equifax will remove the account completely. But they have yet to do this. I am suffering financially because of This false reporting and this falsely delinquent account.
Product: Mortgage

Follow-up related to Complaint XXXX to Shellpoint as they informed me they closed the ticket/previous issue without fully resolving the issue. 

Previous complaint summary -> " Initial payment to XXXX XXXX XXXX XXXXXXXX {$25000.00}. {$5600.00} towards XXXX mortgage payment and {$20000.00} towards the principal balance. This was cashed by XXXX XXXX on XX/XX/XXXXXXXX 

XXXX XXXX transferred funds to Shellpoint Mortgage Servicing. Shellpoint Mortgage Servicing only processed my {$5600.00} payment but not my {$20000.00} towards my principal balance. As of XX/XX/XXXXXXXX  they still have not located my {$20000.00} payment which was transferred over from XXXX XXXX which is over 70 days or over 100 days from when my payment was cashed from XXXX XXXX. '' After 3.5 months they located the mis-placed $ XXXX principal payment on XX/XX/XXXX that was transferred by my previous servicer XXXX XXXX XXXX 

They wired the $ XXXX to my new servicer/XXXXXXXX on XX/XX/XXXX. Wire Ref. # XXXX However Shellpoint did not send my new servicer XXXX documentation and updated loan balance/history as the $ XXXX principal payment should have been applied on XX/XX/XXXX and my balance and regular interest/principal payments to Shellpoint should have been updated for my XXXX, XXXX and XXXX payments when they still serviced the loan. 

Currently Shellpoint is documenting to XXXX my $ XXXX principal payment was made on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion 's customer service would not help and remove above negative inquiries reporting to my credit report. Inquiries I never consented too.
Product: Credit reporting or other personal consumer reports

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a victim of a form of XXXX in persons under 22 U.S.C. {$7100.00} ( 11 ) or XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt bondage.
Product: Credit reporting or other personal consumer reports

Someone opened up 2 accounts under my name at XXXX Georgia and I never lived there. I believe these accounts may be the result of potential fraud or an error in the credit report. 

Disputed Accounts : XXXXCreditor Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX TransUnion/ XXXX  XXXX XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX : {$530.00} Date Opened : XX/XX/XXXX TransUnion/ XXXX/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I have sent disputes regarding fraudulent activity with my Name and address to Experian. The following are fraudulent and need to be deleted from my credit report. 
Name : XXXX XXXX id # XXXX Name : XXXX XXXX XXXX id # XXXX Address : XXXX XXXX XXXX id # XXXX Address : XXXX XXXX XXXX id # XXXX Address : XXXX XXXX  XXXX id # XXXX I have sent my Drivers license/social security card/utility bill with correct name and address to Experian credit Company as this fraudulent activity continues to report without any help. Per the Fair debt reporting act all fraudulent activity should be investigated and items deleted. I have yet had a fair shot at these items to be deleted. All i'm asking for is deletion.I am applying for a mortgage shortly and need all my information to be correct when I apply.
Product: Credit reporting or other personal consumer reports

In accurdance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentically under 15 U.S.C 1681 XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX 15U.S.C 1681 section602A states I have a right to privacy.

15U.S.C. 1681 Section 604A section2 It also states a consumer reporting agency can not furnish a account without my written instructions 15U.S.C 1681c ( a ) ( 5 ) Section states No consumer reporting may make any consumer report containing any of the following items of information.Any otheradverse item of information, other than records of convictions of crime which antedars the report by more than 7 years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumerto 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give any of these companies permission to run my credit
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and significant financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit card

On XX/XX/2024 I made a purchase using my Bank of America Credit Card. The merchant charged {$1300.00} more than what the amount was supposed to be. I did a dispute about the transaction and Bank of America denied the dispute without even contacting the merchant. I called Bank of America and tried to resolve the issue together but they were unwilling to do anything different. They asked for receipt however, the merchant did not provide one.
Product: Checking or savings account

I tried to open Wells Fargo Everyday checking account following this offer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Get a {$300.00} checking bonus* Open an Everyday Checking account** with a minimum opening deposit of {$25.00} from this offer webpage. Complete the qualifying requirements to receive your {$300.00} bonus. This offer is for new checking customers only. 





But my application was declined for no good reasons. 
I have a credit score of around XXXX and living in USA since 2005. Never faced denial for opening bank account.
Product: Checking or savings account

staHello. I moved end of XX/XX/XXXX from XXXX XXXX, Florida to XXXX, XXXX. I rarely write checks from my checking account. Maybe one or two a year. In XX/XX/XXXX had written a check to a mover company. That may have been the only check I had written in XX/XX/XXXX. I have been with citibank for 18 years. After 18 years, they should have known my banking habit. Citi encourages the consumer to do online banking, They also encourage people to uses paperless bank statements. They are suppose to email every month reminding the consumer that their bank statement was ready to be reviewed for each month. I do not remember receiving any email from citibank ever. Being extremely busy with my move I am not sure if I checked my account statements. XX/XX/XXXX, i saw someone had taken money out of my account. Called Citibank right away, Talking to a fraud department we have realized they have been pilfering money from my account every month. Almost 10K. All of this was happening ensuing months after my move. They started pilfering money as of XX/XX/XXXX. The only people knew about my move was this movers company. Citi reimbursed me for {$6700.00}, They are refusing to pay the rest, {$3200.00}. Their reasoning is I failed to inform them about the irregularities within 30 days. They do not mention that Citi has failed to protect my account. I trusted them my money. They should have noticed the irregularities happening to my account. Also, they never emailed me reminding me my monthly bank statement was ready to be reviewed. They have abdicated their responsibilities. I trusted them my bank account. Apparently, they can not protect accounts. They should have noticed some thiefs were robbing me. If I had not noticed it, these thief have probably stole more money. I am a XXXX years old man. Often times it is very complicated to download paperless statements online. Please help me. Thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXXXXXXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 XXXX years. 

15 U.S.C. 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

I have disputed a collection account with XXXX XXXX, XXXX that is on my Transunion credit report. This collection account has been disputed several times with Transunion, and also with XXXX XXXX, XXXX. I have asked for validation of this debt in which I am entitled to under the FCRA. Every time that this debt was disputed, I have been told that the debt was verified. However, I have never been provided a signed contract with my signature on it between myself and the Original Creditor ( XXXX - XXXX ) or  XXXX XXXX, XXXX. I called XXXX to ask to get a signed contract with my signature on it, and they could not provide one. I asked XXXX to do the same, and their response was " You indicate that when you asked XXXX for a signed contract, they advised that account records are not kept on file after the debt was sold. Please note that it is not uncommon for a credit provider to archive an account once it has been sold. Therefore, when contacted by you, the representative of the original credit provider may not have had access to the pertinent account information. '' They also report the debt amount being {$4000.00}. According to correspondence from XXXX - XXXX, this information is incorrect. The Original Creditor states that the amount on date of sale was {$3900.00}. Reporting an incorrect amount is a violation of the law. XXXX agreed and has removed XXXX XXXX, XXXX from my credit report. I am asking for Transunion to do the same, and remove the collection account with XXXX XXXX, XXXX from my Transunion credit report immediately. I have attached correspondence from XXXX XXXX, XXXX and XXXX - XXXX as evidence.
Product: Credit card

I changed cable companies after XXXX installed their qqequipment on my neighbors roof and their bill eas XXXX times what had been agreed upon.I signed no contract, but noticed on my next American Express statement XXXX had charged XXXX on XXXX XXXX and XXXX more the very next day.I immediately disputed the charge with American express who also assured me XXXX would not be permitted to charge my Amex account again.They charged XXXX the next month and XXXX the following month.I agai disputed the charges, which Amex had said would n't be permitted to be even added to my account.Amex has sided with XXXX in my dispute .How I ACCRUED 850 DOLLARS IN CABLE FEES IN XXXX MONTHS IS BEYOND ME, BUT American EXPRESS STOPPED ME FROM CANCELLING MY CARD WITH ASSURANCES XXXX COULD N'T ROB ME ANYMORE.Amex decided against me before they even got my letter disputing the charges.I had no contract with XXXX and the flier they sent only had XXXX XXXX early termination fee with contract, which I never signed.American Express allowed an unauthorized transaction they had full fore knowledge of from XXXX XXXX when I made my initial dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This is on my credit report. I do not know what it is for exactly. I need to be provided with documentation to prove the debt as per The Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Can you please verify that this information is reporting 100 % accuracy and that you can fully verify it? otherwise can you remove it from my credit report. Under the Fair Credit Reporting Act ( FCRA ). The federal law mandate you to report 100 % accuracy to Ensure Maximum Accuracy standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I asked for a investigation not a digital update Ive attached proof.. FOR JUST ONE, of the the few creditors stating they had no contact with you. Ive been investigating your what you said is correct disputing inaccurate information that was digitally sent to you and you didnt investigate. 
I have proof of from a few creditors that you did not investigate.. if you cant prove the investigation please change the information also can you please unlock my online profile