23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My closing date was XX/XX/XXXX. On this day, I received Temporary Payment Coupons specifically for mailing in monthly payment for my mortgage to Guaranteed Rate. I was told by my Loan Officer that what I had received was the most up to date information. I was informed I could wait for my statement in the mail, but that it is common the first statement might not arrive in time for my first payment, therefore I can use the coupons. My first payment was due XX/XX/XXXX for an amount of {$1100.00}. The coupons had the wrong dollar amount due to a change in property taxes. But I was told by my Loan Officer I could send the check for the new amount, and still use the Temporary Payment Coupons even though there was a slight adjustment. My name and address was correct on the coupons, and the check was written out for the correct amount. I didn't see how this could go wrong. A few weeks went by, and I never received my statement in the mail. Because of this, I set up an online account so I could pay my XXXX statement online since I hadn't received any statements. It was then that I noticed my XXXX payment had not been posted on my account, and I soon got a call on XX/XX/XXXX being accused of not paying for the month of XXXX. I was shocked. They had taken the money out of my checking account though. I called Guaranteed Rate customer service and was informed my statement was mailed to the wrong address and that my loan number was changed. I was NEVER informed of this by phone or by email. Guaranteed Rate knew they mailed the statement to the wrong address as the statement was sent back to them ; they never informed me of this, and never asked for the correct address. The woman who helped me on the phone told me the statement had been mailed back to them since the address did not exist. I had her correct my address and she told me my correct loan number. I did everything I was told to fix this issue, yet, as of today, XX/XX/XXXX, they are still accusing me of not paying them for the month of XXXX.
Product: Credit card or prepaid card

I reported unauthorized charge in XX/XX/XXXX, someone used my card in XXXX XXXX , chase returned my money and 45 day later closed the case in my favor. New card was shipped, but never arrived, someone use it again in XXXX in XXXX charging XXXX , I reported another case. In XXXX statement appeared XXXX XXXX  charge and in XX/XX/XXXX $ .My current balance right now over 4000 $ with credit card limit XXXX . I did not use my card in XXXX XXXX  of XXXX country. 

p.s please see all credit card statements I attached, it is very confusing, Chase keep transferring money back and fourth, and could not explain me why did the do that
Product: Checking or savings account

My father died on XX/XX/XXXX which we reported to the bank within three business days. On XX/XX/XXXX, 5/3 Bank placed a hold on a deposit by the XXXX. On XX/XX/XXXX, I attempted to close the account and became aware of the hold which caused me not to be able to close the account. 

On XX/XX/XXXX, I became aware that 5/3 Bank was still holding the payment and they were now charging a fee on the account. 

When contacted, 5/3 Bank finally acknowledged that they were holding the payment, that they had been holding the payment for almost 2 years and that they should not have charged the fee. 

They removed the fee, but are continuing to hold the payment until - at a minimum - XX/XX/XXXX some 2 years and one day after placing the hold. 

My complaint is with regard to the violation of federal requirements for holding deposits in excess of seven business days and the failure of the bank to resolve the situation when it was reported to them in person on XX/XX/XXXX. 

My mother and I appeared at the bank in person even though I have co-ownership of the account and durable power of attorney as the bank has previously required her to appear in person to handle other matters. 

The Account Services Representative consulted with the Branch manager and then refused to close the account or to release the hold in XXXX. I was instructed to contact the Social Security Administration to have the hold released (! ), and told that I could not pursue the issue further with 5/3 until they actually began charging me a fee as they asserted to me that the matter was being " looked into '' and that I was not being harmed as they were not actually withholding any funds. There was just a hold on the account. 

To be clear, 5/3 Bank was withholding access to a payment in the approximate amount of {$1800.00}. 

I contend that withholding funds rightfully belonging to my family and preventing my Mother from depositing the funds into an account which would have paid interest - or using the funds to pay debt if she had any - is absolute harm and is a violation of our consumer rights. 

I am additionally convinced that 5/3 Bank does this routinely and has placed similarly situated families in the same position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on the cfpb website stating that shellpoint  is in violation of the cares act. The cares act is meant to protect consumers from having their credit score hurt XXXX XXXX who works for shellpoint hasn't addressed any of my complaints. The XXXX  XXXX  website promises consumers that id they choose to go into the covid forbearance plan... It will not affect their credit scores and the WILL be able to refinance in the future if they make 3 successful payments once out of forbearance My rights are being violated. 

XXXX ... Where is your heart? 
I was sick with XXXX  in the XXXX. 
I'm an honest consumer who never had a late payment ever since 2015 What is shellpoint gaining by braeking the law and reporting me 120 days past due when I have made 5 consecutive payments in a row? 

Do you like to torture your customers? 

Does it give you please when an honest hard working man needs to have a low credit score and pay higher interest on credit cards when he was promised that forbearance wouldn't hurt his credit score? 

Do you enjoy breaking the law and causing me not to be able to refinance since I'm marked as 120 days past due? 

You surely have heard of goodwill credit report deletion? 

XXXX 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 have completely complied with all payments since exiting forbearance ... I am asking you as a goodwill gesture to stop damaging my credit as the US law ensures that those exiting forbearance will not be negatively affected and will be able to refinance.
Product: Credit card or prepaid card

My Bank Of America credit card was skimmed at a XXXX XXXX on XXXX XXXX. The thieves quickly to exploited the information obtained. They were quite sophisticated, because they had blank BOA chip equipped credit card stock ; and knowledgeable as well, calling BOA to reactivate the card after it was declined. Twice declined at ATM 's. Also declined, if memory serves, at local businesses. I found out the full extent of the fraud when I visited a local branch of BOA, at their insistence. Seems calling from my cell phone was not acceptable ( home renovation was underway at my place of residence and I was staying with family ). 

Despite these " card declined '' refusals, and the photographic evidence no doubt available to them through a courtesy call to the banks, they impugn my integrity by saying I must have made or allowed these charges to be made : " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' My card was in my wallet. None of that quotation is true. A ( counterfeit ) card was used. With my information encoded thereon. But not by me. Bank Of America never asked for a sample of my signature for comparison. I do not know why they have come to such an egregiously wrong determination, and slander. Could they at least run a trace on the phone number used to reactivate the card when it was declined? It's obvious that I only use the card for major purposes ( car repair, medical bills, XXXX XXXX  ) and that eateries, dollar stores and casual use ought to be proof enough of fraud. That, and all the other evidence mentioned above. 

The amount in question is {$160.00} Unsure as to their reckoning, fraud claims listed online are : XXXX XX/XX/XXXX, {$13.00} and {$34.00} ; XXXX XXXX XX/XX/XXXX {$19.00} ; XXXX XX/XX/XXXX XXXX ; XXXX XXXX  XX/XX/XXXX {$50.00} ; XXXX  XX/XX/XXXX {$9.00}. Gives me {$140.00} for a difference of {$13.00}. 
I don't understand why they think I am liable for the whole amount when the law limits my losses to {$50.00}. I don't understand why they think I should be victimized twice, by them and the thieves. In fact, Bank Of America itself alerted me by e-mail that my card had been comprimised.
Product: Mortgage

The purposes of this complaint are to : ( XXXX ) inform LoanCare and/or XXXX XXXX  XXXX  that I went to settlement on XX/XX/2022 and sold my home at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX the buyer, XXXX XXXX XXXX XXXX XXXX ) request that LoanCare cease all further foreclosure proceedings since the home has now been sold, ( XXXX ) request that LoanCare remove my former attorney, XXXX XXXX  name and office address as the primary point of contact for my account. XXXX XXXX office address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. Her cell phone number is ( XXXX ) XXXX and her office number is ( XXXX ) XXXX. Please note that XXXX XXXX is no longer representing me since the Declaratory Judgment and Order Quieting Title was issued by Judge XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/2022. ( XXXX ) request that effective immediately, all correspondence from LoanCare and XXXX XXXX XXXX should be sent to me at XXXX Smooth XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I can be contacted on my cell phone number at ( XXXX ) XXXX and by E-Mail at XXXX ( XXXX ) request that LoanCare remove the cease and desist notice from my account, ( XXXX ) request that LoanCare remove all fees and penalties from my account retroactive from XX/XX/2022 to present due to submission of my previous request for forbearance on XX/XX/2022, ( XXXX ) provide a copy of my mortgage loan payoff statement to me by E-Mail at XXXX and ( XXXX ) provide two separate invoices for attorney fees, one related to the XXXX XXXX XXXX and a separate invoice related to the foreclosure that was prevented by the sale of my home on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights 15 USC1681 Section 602 i have the right to privacy.

15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by XXXX. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts and inquiries that are still reporting on my account : XXXX XXXX XXXXXXXX XXXX XXXX : {$6900.00} XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts ( credit cards ) XXXX XXXX and a XXXX XXXX, are reporting inaccurate late payments for which i disputed and they have sent me the letters ( hence attached ) but the bureau are not cooperating and not updating their data base to have not late payments, i have also attached the letters received by both creditors for which they have approved to remove this inaccuracy but the bureaus are not trying to cooperate in this matter, please have them to remove and update my credit reports. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps adding false information on my credit report XXXX been disputing this account more then once also submitted a affidavit XXXX XXXX and XXXX  remove these False accounts except Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had my credit profile pulled. Upon looking at this report I have noticed theres an account thats not mine and were never late. I sent a dispute letter in regards to XXXX EQUIFAX and XXXX on XXXX and XXXX asking that it be removed. Please note response should have been provided by date XX/XX/2021. I have not received report and XXXX  EQUIFAX and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing again in regards with the accounts listed below to inform you that I am the one disputing this. I believe I made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with TRANSUNION & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. TRANSUNION has been not complying with Fair Credit Reporting Act XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Amount : XXXX This account is being reported to mt consumer report incorrectly and damaging my good name. According to 15 U.S Code 1681i is suppose to protect the accuracy of the accounts. 

My right to privacy is being violated according to 1681 a ( 4 ) the FCRA says that I as the consumer say what I deem private information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 Bank Account number : XXXX has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 1681c ( a ) ( XXXX ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 1681sXXXX ( A ) ( XXXX ) 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 or other personal consumer reports

I am a victim please block these accounts from my credit report
Product: Money transfer, virtual currency, or money service

Dear PayPal Appeals Team, I hope this message finds you well. I am writing to address a matter of utmost importance regarding my PayPal account, which has recently been permanently limited. I believe this limitation is the result of an unfortunate misunderstanding, as I have always been a dedicated and compliant PayPal user. 

I wish to clarify that I have not, in any way, violated PayPal 's policies. I have consistently used my account for legitimate and lawful transactions, adhering to the guidelines outlined in PayPal 's User Agreement. The limitation has left me perplexed, as I have never engaged in any activity that could warrant such an action. 

I kindly request that PayPal consider re-evaluating my case with a fresh perspective. It is my earnest appeal that you thoroughly investigate the situation, and I am confident that your findings will corroborate my adherence to PayPal 's policies. 

I understand that mistakes can happen and systems might misinterpret certain activities. Thus, I humbly ask for your assistance in rectifying this situation. If there has been any confusion or miscommunication, I believe this can be swiftly resolved through a comprehensive review of my account activity. 

My PayPal account has been an integral tool for my online financial transactions, and its permanent limitation has caused significant disruption. I genuinely value the services PayPal provides and wish to continue utilizing them responsibly. 

I would like to kindly request that you consider restoring my account to its full functionality. This would not only alleviate the inconvenience I am currently facing but also reinstate my trust in PayPal 's commitment to fair and unbiased account management. 

I am hopeful that PayPal will recognize the inadvertent nature of this limitation and promptly take action to rectify it. I am eager to resume using PayPal for my financial needs and to continue being a responsible member of the PayPal community. 

Thank you for your time and consideration. I eagerly await your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX INACCURATE INFORMATION To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XX/XX/XXXX Phone Number- XXXX Inquires need to be removed are below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, AL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of section 807 15 usc 1692e false or misleading representations. The account is fraudulent or innacurate.

Violation of section 15 usc 1692c ( b ) communication with a person other than the consumer without the prior consent of the consumer or attorney.

Pursuant to Federal Law 15 U.S> Code 1692g Validation of debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of the judgement or the name and address of the original creditor. They have not provided me with any documentation as of yet, so I am demanding deletion of this account. 

This collection agency, XXXX XXXX XXXX, has no contractual agreement in place with me nor any type of permission to communicate with me, yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately. 


Sincerely, XXXX XXXX
Product: Mortgage

Hello, Our mortgage has been held with Roundpoint Mortgage Company since XX/XX/XXXX. Our original purchase price on the home was {$120000.00}. 
We had a down payment of {$8000.00} Which made our original loan {$110000.00} We paid a lump sum towards the principal in the amount of {$3400.00} on XXXX XXXX. This should have made the balance of the loan {$100000.00}. We made a phone call the next month when the PMI wasn't taken off, and were told we would have to put a request in writing which would trigger a revaluation of our home at our expense which would exceed {$600.00}. From our understanding, the PMI should be dropped automatically and thus we were unwilling to spend this additional money ( and our home would likely come back at a higher value in the current market ). 

We then considered that their threshold might be 78 % by information we found online, and made another lump sum payment on XX/XX/XXXX in the amount of {$1600.00}. At this time the balance was {$97000.00}. Again we were told that they would not remove PMI until a new evaluation was done on our home. Since that time, we have been charged {$79.00} per month and as of XX/XX/XXXX, Roundpoint Mortgage has transferred our account to XXXX XXXX. They are no longer accepting any phone calls regarding our account.