23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received unsigned communication from an alleged mortgagee debt collector ( Shellpoint Mortgage Servicing ) claiming that they represent XXXX XXXX and that I owe {$84000.00} to their client. I have replied to them with in the XXXX day period they set a verification of debt documentation and have sent it to them via Certified Registered mail # XXXX, Giving them XXXX days to respond. Since I know that their attempts are fraudulent, as I do not owe this money to anyone I want to get the CFPB involved. I have attached the documentation that has gone out to Shellpoint Mortgage Servicing,
Product: Credit reporting or other personal consumer reports

Dispute Regarding Inaccurate Information on My Credit Report! 

I am writing to dispute an error on my credit report. The issue pertains to not able to get a credit card because of it I kindly request that you investigate this matter and correct the information on my credit report. The accurate details should reflect Thank you for your prompt attention, if you need further information Please contact me thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the negative impact of your recent consolidation process on my credit report. Specifically, Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These inaccuracies have significantly damaged my credit score and limited my financial opportunities. I believe this is a violation of my rights under the Fair Credit Reporting Act. 
I have attempted to resolve this issue directly with XXXX, but to no avail. I kindly request that you take immediate action to correct these errors and restore my credit report to its accurate state. 
I would appreciate a timely response and resolution to this matter. If the issue is not resolved promptly, I will be forced to escalate the matter to the Consumer Financial Protection Bureau and other relevant authorities. 
Thank you for your immediate attention to this urgent matter.
Product: Debt collection

A notice of cease and desist, as well as a certified proof of contract was sent to Transworld Systems , Inc. on XX/XX/2021. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My score is not updating with Equifax, has not been for quite some time. As advised by a support team member from XXXX XXXX ; I contacted Equifax directly. Upon contacting Equifax, they could not properly identify me because of an email on their file, I no longer use. I updated my email preference, I verified my personal information via phone and their text link ; which prompted me to take a picture of my State identification and take a picture of my face. All of that was done while on the phone with an Equifax representative. My email was changed and updated and so was my password. This was done a few months back. However, my credit score, accounts or credit information has not been updated. They are still showing a credit score that has not been updated to match XXXX or XXXX. Its damaging and interfering with being able to acquire or purchase anything that has to rely on a credit check. Ive done my part; jumped through all their XXXX  hoops and they still cant get it right, nor are they attempting to correct this ongoing issue. My next course of action, if this doesnt work is to pursue them, legally via an attorney.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I am not informed about this matter, and the company acted without my approval.
Product: Credit card or prepaid card

Hello, I was a victim of unauthorized transactions to my account from a website called XXXX, which is owned by XXXX, an online casino company. I had an account there for a few months but only used XXXX XXXX for modest purchases. I have since closed the account and contacted their support department for help. 
The exact loss i believe adds up to {$5600.00} although the people i spoke to in the BofA XXXX department said some of the last transactions were pending, I'm not sure what the outcome is. This whole thing is crazy because I specifically opted for no online transactions to my account, yet they let them through.They really failed me by ignoring the signs that something was amiss and this activity continued for XXXX weeks. There were XXXX they said over a XXXX week period, yet no one saw this as completely out of character for my account? The first transaction occurred on XX/XX/22 and last one on XX/XX/22 before they finally began blocking them on XX/XX/22. It's obvious the people robbing my account weren't going to stop until it was drained from the way the amount of transactions escalated so quickly over that span of time, and one would expect they would have security measures designed to recognize that activity and halt it from the start. My mother 's bank which is XXXX does, so much so that they block single transactions a few times a year, and although an inconvenience she says she still appreciates the protection they provide. Since my first complaint, I've learned more information about what might have happened. A guy named XXXX XXXX spent XXXX weeks at our apartment, and altho a buddy of my roommates he spent allot of time on my phone saying he ran out of fata,. A month or so later my ex roommate said he visited him and was afraid, saying he might be in trouble with the law. He wasn't specific but my roommate said it sounded like fraud of some kind. He's a nice guy and would never physically hurt anyone, but it's intelligent and computer savvy. So myself and other friends have tried locating him just to talk to him and he disappeared, on the run perhaps? The problem is he's from Hawaii and that's in the XXXX but still far away. That's all the info I've got for now. But please contact me if you need any further information from me, my email is the best way, XXXX. Thank you for your help, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX the Company, which involved me making deposits for a total amount of XXXX USD USD from my Wells Fargo account to a fraudulent investment firm ( s ).
Product: Checking or savings account

My previous account with Wells Fargo was unfairly charged with surprise overdraft fees on debit purchases and ATM withdrawals, even when I had enough money in my account at the time of the transaction. There were also charges from monthly fees when they shouldnt have been. Wells Fargo advertised no fees if a customer made XXXX or more debit card purchases and/or payments in a month, but the bank limited the types of eligible payments and didnt count debit transactions that posted days later. My money was unfairly frozen for weeks if Wells Fargo suspected a single deposit was fraudulent. Which resulted in me messing up my credit. After dealing with so many fraudulent charges on my account it began to hit a - {$800.00} balance, the account was then closed. And I was left with a nothing but a fraudulent balance to pay.
Product: Credit card

I agreed to accept a credit card from my employer Wells Fargo a year ago at 0 % apr. No interest was charged at that time. I had XXXX credit at time of application, so was not a credit risk at all. It was not clearly disclosed that the 0 % apr was introductory and the actual interest was 21.15 %. I only discovered this when I ran up a balance of {$9500.00} and discovered my monthly payment would not cover the $ 170+ monthly interest payment. I called several times and wrote a letter to ask help with the interest rate showing that I could never pay this card off at the predatory rate they had given me. I was refused any kind of forbearance or help of any kind. I paid off the account recently by mortgaging my car. I believe that the failure to CLEARLY disclose the exorbitant interest rate and that the 0 % was introductory was predatory lending.
Product: Credit reporting or other personal consumer reports

This account was charged off on the date XX/XX/year>, since then the account has been repeatedly updated as a charge off every month. This is an update on the payment history. A charge off account should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate properly, and neglect has violated my rights. I am demanding the deletion of the following accounts. 
XXXX XXXX
Product: Credit card

Credit card balance was paid in full. As soon as payment posted they closed my account without telling me prior to doing so.
Product: Debt collection

This insurance company cancelled my insurance, so i switched to another one, so i will not pay this debt!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Student loan

I sent letters out to the Dept Of ED Navient / Aidventage & I don't owe anything with this account both companies can not locate an account for me I want this company to remove their negative reports on my credit profile from all 4 credit reporting bureaus. Also, they have not responded back to me.
Product: Credit card or prepaid card

This is my with American express credit card. Last year in the month of XXXX to XXXX american express said they are giving {$150.00} cash back up on upgrading card. As I having travelling plans, I have cancelled the card. From last year none of them from american express contact me on this. Out of no where now they are asking me to pay {$150.00} -for STATEMENT CREDIT RESEVERAL. All the these transactions has happened with knowledge of american express customer service, they have cancelled it. but now they are asking to pay money. I have contacted American express Customer service I do not see any positive reply from them. In current Billing statement they have included {$150.00}. 

Request you to order them to not to collect {$150.00} from me.
Product: Debt collection

Approximately around XXXX or XXXX of XXXX I noticed a debt collection from Convergent for XXXX XXXX in the amount of {$290.00}. The account open date on the credit report is XX/XX/XXXX. I dispute this item with all three credit bureaus on XX/XX/XXXX and the dispute was returned verified, however the requested copies of my wet signature for this account was not received from the verification of this account. In addition, the date the account was opened I was no longer living in the area that XXXX XXXX services. 

On XX/XX/XXXX I sent a certified letter to the collection agency. The collection agency received the letter on XX/XX/XXXX and I have yet to receive a reply from them. All documents will be attached. 

Thank you advance for your prompt assistance and attention in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to dispute a bankruptcy on my Trans Union credit report Per the FCRA 623 ( a ) ( 5 ) If the Credit Bureau can not validate the information with the XXXX creditor, they must remoce said information from the consumer credit file. 
Docket # XXXX The County Recorder of Deeds and the Bankruptcy Courts have both mailed letters which stated that they do not provide any information to credit report agencies nor do they validte and/or confirm public reocrs. 

Per the Fedela Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verfication of the original signed consumer contract and/or judgemnt all accounts and public information that you post an anyone 's credit.
Product: Mortgage

Ditech has denied my request to remove the PMI from my loan. This has been an ongoing struggle with them. In XX/XX/XXXX we reqeusted to have PMI removed from our loan and when they appraised our house, the appraisal came in at {$330000.00} which was 75.79 % LTV. Just short of the percentage where it could be removed.

In XX/XX/XXXX, we made the request to have PMI removed from our loan again. We have made our payments on time and the values of the homes in our area have gone up in the last two years. Ditech again had someone come out to do an appraisal. When that appraisal was completed, we were never sent a copy of it and we were told there was " a problem '' with the appraisal. Ditech said a second appraisal needed to be done. A second appraisal was done and the value of our home was set at {$310000.00} - {$19000.00} less than what it was appraised at two years ago. As soon as this appraisal came in, Ditech denied our request to remove our PMI because the percentage of LTV was 76.74 % - just short of the percentage where it could be removed.
After multiple requests, we have never been given a copy of the original appraisal and I believe that is because it appraised our home much higher than {$330000.00} and Ditech wold have needed to remove our PMI. After looking at reviews of the second appraiser online, there are frequent references to how low the appraiser tends to skew home values and the comps she used for our home 's value were far outside of our neighborhood. She made the claim that there were not enough recent sales in our neighborhood to give a good reference so she went very far outside of our neighborhood for comps. It is obvious that she cherry-picked comps that gave Ditech the number they wanted from her so they could deny our request.

I am now having a third independent appraisal done on my home by an appraiser I trust. Ditech is obviously trying to make sure I can not remove my PMI by replacing appraisals that do not benefit them with appraisals that do benefit them.
Product: Money transfer, virtual currency, or money service

I am fling a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 XXXX have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Mortgage

With Freedom Mortgage ( who purchased my mortgage ), has refused to pay my private insurance provider ever since they have acquired my mortgage. The XXXX previous years, they have refused to pay my home insurance due to not receiving the declaration document from my insurance provider before paying the renewal invoice. I paid the insurance company myself at the end of XXXX, last year I had to fight with them to pay the insurance renewal invoice, while they were telling me it was the insurance company, and telling the insurance company that I myself wasn't following up on my end. I went to the insurance company and called the mortgage company in the presence of my insurance agent, which led to he said, she said ( an argument ). This year, they are claiming that they do not have the current property address on file, that's why they won't pay my insurance provider. My property address was changed in XXXXXXXX XXXX XXXXXXXX, to a XXXX address. I have sent them the XXXX XXXX change of address paperwork for the last XXXX years, in which they have not updated their system and the address was already in affect when they acquired the loan. Freedom Mortgage is using bulling tactics to provide me with insurance through them. I have also recently came out of the Forbearance plan, in which I receive calls to catch up on my mortgage, which starts in XXXXXXXX XXXX XXXXXXXX, and they are stating their system isn't updated to reflect this, but they can see it in there " notes ''. I want this yearly harassment to stop! They expect me to do my part, I want them to do there part.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : Southwest credit sys and XXXX XXXX
Product: Credit card or prepaid card

I'm getting charged for cash advance when I did a credit card balance transfer
Product: Credit reporting or other personal consumer reports

1. Reported my account as a deliquent/ closed/ account since XXXX  but also 2. Reported the same account as taxable income via 1099C to the IRS. 

The account can not be smearing the credit history once it is resolved with the consumer and reported as cancelled debt and therefore taxable Income to the IRS.
Product: Vehicle loan or lease

I have kept contact with  Santander c onsumer Usa company since the very beginning  XXXX   XXXX  about my payments. I noticed that my payment where being applied incorrectly in  XXXX   XXXX  every payment that I made was getting applied only to interest. On  XXXX  the  XXXX  i called the company and address this with a customer services rep who insured me that they would fix my account and apply my payments properly. I called in and made my payment on  XXXX   XXXX   XXXX  I also to verify on this day that my payments where corrected the Rep on the phone said that they saw there was an open case but that the payments had been adjusted and the best way to make the payment is to always call in so I did that until  XXXX   XXXX ,  XXXX  when i spoke t o rep (   XXXX   ) I and as ked about my balanced because my bills never came in the same amount some where lower some where higher and from her explanation 'my payments have still been applied incorrectly mostly to interest '. I have been on the phone with this company for an hour or longer every time since. My account was finally escalated to the presidential de pt. (   XXXX   )   XXXX   XXXX ,  XXXX  because every payment that made over the phone had been made wrong and need adjustments. I spoke to department managers  XXXX , who insured me that they would fix my account and call be back. I had then email me a copy of my payment history every time i talked to then. since  XXXX / XXXX / XXXX  i have called several times  XXXX   XXXX  /  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  get sent to a voicemail saying my number has been linked to my account and all reps a busy i can leave a message and someone will return my call but no one ever called.  XXXX / XXXX / XXXX  i called from coworkers phone and was able to get a Rep. from the presidential dept  XXXX   XXXX   XXXX  who said they where still working on my account and that not all payments had been adjusted i explained to her that my account had went up severa l hundred dollars  since they been working on it she said it would fluctuate but my account was going to get submitted for a audit and they would call me back in a few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this collection on this XXXX XXXX   XXXX for months.XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Mortgage

I wired my payoff to the mortgage company on XX/XX/2023. That following week they did not know where my money was at. Finally after a week of waiting I spoke to another agent who found the funds and told me they would take care of it. They have reported to credit bureaus that I am delinquent. They ended up returning my wore transfer and now I seem to not be getting anywhere with them. The mortgage company is PHH Mortgage. I called a lawyer in XXXX Kansas and they referred I make a complaint with you folks.
Product: Vehicle loan or lease

Based on my research, the loan was established in XX/XX/XXXX and it was paid in full in XX/XX/XXXX, later receive a notice showing balance of {$620.00} of late fees, later we spoke to a rep in reference to that amount and as per discuss, If we pay {$260.00}, they will relinkgage the balance to zero and send us the title, as of this date today 's date on XX/XX/XXXX, We still have not receive the title until remaining alleged balance and interest charges still acrued. We would like to have this matter investigated and our title release.
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and I realized theres a few inquiries that I did not authorized. In accordance with the FAIR CREDIT REPORTING ACT, I hereby request an investigation into these unauthorized inquiries from my credit XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>, Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize.

The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2.