23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

New Res-Shellpoint Mortgage had marked me 30 days in XXXX of XXXX after being assured I was not going to have a late payment recorded as my loan transitioned from a repayment plan to the NY cap and extend. They claim I called and suggested I wanted a repayment when in fact I have multiple emails back and forth demanding the deferment of the forbearance that I was led on to believe I was getting after the 1st deferment they gave me back in or around XX/XX/XXXX. After the 2nd extension of forbearance was completed ( 3mos later ) they said not to apply for a deferment until the forbearance was totally completed as you can only be granted a total of 2 deferments total.

After being told we had reached the maximum months allowed in forbearance ( I was told over taped conversations which I requested all my called dating back 6mos on XX/XX/XXXX with XXXX XXXX ; a supervisor and never received. See attached ) I was told for the 1st time, " THEY WILL NOT AND/OR COULD NOT DEFER MY PAYMENTS THAT WERE IN FORBEARANCE AND I EITHER HAD TO DO A REPAYMENT PLAN OR COMPLETE MODIFICATION OR FACE FORECLOSURE ACTIONS IF IT REMAINED UNPAID ''. 

It was at that time that I decided to choose the repayment plan which I believe started in XX/XX/XXXX. So, immediately after making a voluntary down payment of {$4500.00} to bring my payments down which I believe was due in XXXX, I found out I was eligible for the cap and extend program which I was just told ( again emails with shellpoint and phones show ) I was not. I immediately sent my rep, XXXX an email which he acknowledged and stated on XX/XX/XXXX ( email attached XXXX, that he was just needing his processing group to close out the repayment plan and open the automatic cap and extend and we would be all set. So, he eventually did that in XX/XX/XXXX as I waited and called and emailed throughout the month of XXXX to make sure I wasn't going to be reported late for XXXX, to no avail. XXXX passed by with the mortgage company delaying my file until finally issuing the cap and extend in late XXXX with a payment due date of XX/XX/XXXX. I quickly executed the agreement called to make that XX/XX/XXXX payment and was told to wait until the agreement was confirmed and uploaded which it was days later and I made the payment on time for the XX/XX/XXXX payment in the month of XXXX. I was never able to make a payment in XXXX because there was never a payment to make that month. So, to be reported as 30 days late for XXXX is in error as the mortgage company dropped slowed, delayed or was incompetent in getting me my paperwork in time. 

I want the 30 day late removed immediately.
Product: Money transfer, virtual currency, or money service

Please be advised Im extremely upset and feel as if Ive been discriminated against. There was an issue where I went to deposit money in my account which I took from my business account to put into my personal account and I have proof of it so I dont care who is reported to Bl navy federal, A XXXX Georgia continues to call and harass me as of today I got a call from the local office the young lady didnt even know my name she called me XXXX XXXX XXXX The amount of money was {$10000.00} we miss counted myself and my husband didnt realize that it was {$90.00} over XXXX we ask the young lady to send the money back instead she deposited {$10000.00} in my account and withdrew it is what theyre telling me but I never seen {$10000.00} even be deposited to my account is nowhere on my transaction I checked my bank account every five minutes. Second I feel as if Im being treated like a criminal as if theyre saying that its impossible for someone of my race to be able to deposit that much money in the bank that was money that I have been saving from my business earnings and I also was employed my husband works we are not criminals and I dont appreciate being treated this way. I will also file a claim with the attorney generals office because something at the local navy federal office is not right and Im tired of being harassed Im tired of the phone calls like this was in XXXX why am I still getting calls that shouldve been taken care of already report it to who you want to report it to because Im not a criminal Im not stealing Im not doing money laundering. And I really dont appreciate it and Im going to take this all the way to the top if I have to because I really feel discriminated against. And for now them calling saying that they need my husbands name because he was in the car he drove the car were Married, I asked the young lady to not call my phone again and have a supervisor call me still to this day no supervisor is XXXX called me this is really ridiculous that your XXXX made a mistake and I am being harassed for it. Its also the same young lady thats always at the tailor every time my husband and I go she is XXXX  and I feel like shes discriminating against us because we make cash deposits sorry that were making cash deposits. My husband owns a box truck so therefore its money that were making from the business if we were trying to hide anything we wouldnt bring it to the bank. I also have a consulting business and have been doing taxes so. I have to move money from one bank to another because I dont have a business banking account with Navy Federal so I am all my bills are coming out of Navy Federal account so I had to put the money there to pay the bills its easier for me to bring the cash to the bank but I said it is a problem and Im going to be discriminated against and your XXXX XXXX XXXX is always there in the XXXX area is going to continue to harass us and I really really have a problem with this
Product: Mortgage

on XX/XX/2021 we sign an agreement with shell point mortgage we enter into a trail period plan for thee monthly payment of XXXX a month witch we made on time on date as follow XX/XX/2021 for XXXX, XXXX, and XXXX wile are mortgage was being process for a loan modification during the period of the trail, there reported to the agency`s to late payment for XXXX and XXXX wrong fully, we made Attempt to resolve this issue to no avail.
Product: Money transfer, virtual currency, or money service

I will send money to my wife but she doesnt receive it its been multiple times this has happened. Even when I Zelle anyone it does the same and Ive been losing money
Product: Debt collection

I had 2 negative credits in my XXXX from XXXX XXXX XXXX that were not mine they they were despite and deleted I got the letter in the mail XX/XX/XXXXfrom XXXX then I got a letter from common wealth financial systems inc. On XX/XX/XXXX that XXXX XXXX XXXX had sold the previously deleted accounts to XXXX XXXX XXXX who then placed it with commonwealth financial systems inc to go back on to my XXXX saying owe them money that I do not owe and again was deleted of off my XXXX. Account number XXXX for the amount of XXXX $ and account number XXXX for the amount of XXXX $
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX
Product: Credit card or prepaid card

I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB please remove the inquires list on the attached report - as I did not authorize this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX I am not liable for this debt with the defenders. I Do not have a contract with XXXX XXXX. They have not provided me with the original contract as requested.
Product: Money transfer, virtual currency, or money service

I am writing regarding a loss of {$5000.00} from our personal bank account at chase bank. 
All our efforts to get a reimbursement from Chase bank until now were rejected although we feel that Chase bank is responsible for our money loss. 
We hope you can help us get our money back from Chase bank. 

In XX/XX/2021 at XXXX XXXX, I received a text to my cell phone from Chase Bank phone ( XXXX ) XXXX Stating that there is an attempt to transfer {$5000.00} out of my Chase account through XXXX. 
At XXXX, I got a phone call from another Chase phone number ( XXXX ) XXXX, the person on the other line, said he is a chase representative and that someone transferred {$5000.00} out of my XXXX account and he will try to help me reverse it. 
After a long conversation ( over 50 minutes ) in which we supposedly tried to reverse the transfer, he had me transfer the {$5000.00} to XXXX account ( XXXX ) XXXX as a last resort to save the money. Then, the line got disconnected. 
At XXXXXXXX XXXX I called back Chase to the same number I got the call from ( XXXX ) XXXX in order to continue the conversation. I was then told that Chase has no records of such a call with me and that this is probably a fraud. 
We talked to our branch manager about this, He contacted the Fraud department which called us few days later. As we did not get any solution from them, we asked to talk to a higher manager which called us few days later. Still, none of these people helped us. They just said they cant do anything! 

We see Chase responsible for this money loss, since all communication with us was through Chase phone numbers ( text and voice ) and we had no means to know it is not done by Chase. 
I want to emphasis the following : 1 ) All phone numbers which connected with us through text or voice were recognized Chase bank phones that we got calls from in the past, so we had no reason to suspect. 
2 ) The conversation with the Chase representative was similar to many other conversations we had with chase representatives over the years regarding fraud suspensions. 
3 ) We understand there is a {$500.00} limit to first time transfer from XXXX, how come CHASE allowed a {$5000.00} transfer to a new number? 
4 ) In the past, chase called us to verify transaction much smaller than this, how come they did nothing on this one? 
5 ) The {$5000.00} went somewhere, the bank knows where the money was transferred to. They should trace it and bring it back to us and not just tell us they can do nothing.

6 ) We understand from the talks to chase people, that this is not the first time something like this happens. Why does Chase not act to eliminate the possibility for this type of fraud? 
We see CHASE bank responsible to trace the money and bring it back to us, or if they can not trace it, than Reimburse us from their own funds. 
We ask that you help us get the money back from Chase bank. 

Best Regards, XXXX & XXXX XXXX
Product: Debt collection

This collection agency is reporting on my account even though the original creditor was already paid. I have spoken to the collection company and they advised me that this account was already removed from their reporting and has requested the bureaus to no longer report this account on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Debt collection

midland credit states I owe XXXX in debt. I have tried to dispute however it was not resolved. I have not received document from the debt collector that the amount owed is mine
Product: Checking or savings account

On XX/XX/2023 my vehicle was stolen with all my pertinent information in it. There was also the amount of {$1700.00} that was stolen out of my Wells Fargo account. XXXX realizing that it had happened the morning of XX/XX/2023 when the XXXX XXXX XXXX XXXX police department showed up at my door. I proceeded to immediately call the bank let them know about the fraudulent transaction to get some type of rectification for it. At that time I Did, give the representative the ticket number. And was told that they will investigate as they should and it would take 7 to 10 business days. I was notified that my claim had been denied, and there was no further action that I needed to do
Product: Credit card

I have a home depot store credit card that I use in the store. I made a few purchases that had a 6 month no interest promotion. Every month I pay more than the minimum payment thinking that the excess would be applied to the promotional purchases. No one told me that I had to pick up a phone and call home depot to let them know that I want my excess payment to be applied to the promotional balance. I have paid more than the minimum payment for over a year and a half and my account was still hit with hundreds of dollars in interest for not paying off the promotional balance within the 6 month period. 
This is a deceptive policy because I have been overpaying my account each month expecting the excess funds to be applied to the promotional purchases to pay the balance down. I realized that my balance kept growing even though I was overpaying. Customer service informed me that I did not call to notify them that I wanted to do the logical thing and apply the extra payment to the expiring promotional balance.
Product: Credit reporting or other personal consumer reports

Dept of Education XXXX Account Number - XXXX i just received my credit report. I noticed that, You are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of XXXX XXXX According to the FCRA, I have the right to an accurate credit report .Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an unauthorized inquiries left that need to be removed. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Eastern Account System of Connecticut , Inc. continues to attempt to collect a debt from me and report on my credit report for a debt that debt that is not legitimate. I have requested proof of this debt and they have only been able to produce an invoice, which is not proof of the legitimacy of this debt.
Product: Mortgage

I have had numerous issues with this company ( Ocwen ). I have XXXX issues now : 1. Ocwen has been charging me an extra {$50.00} per month for no reason. I have asked what this {$50.00} is for, but have received no response. 
2. I have had this loan for years and the payment was always automatically withdrawn from my bank account. Then, suddenly and without prior notice, they stopped making the withdrawal. I was on vacation when the letter notifying me of this was sent. When I returned home, I made the payment. However, they still charged me a late fee of {$140.00}.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I checked my credit score it is XXXX points less than the other XXXX reporting agencies, but the only one that has XXXX inquiries, for what I don't know, and why would they need to run my report XXXX times loving my credit score, my information should be in a file and ran once a year if I am looking for credit. This is unacceptable unfair and make my credit look bad
Product: Credit reporting or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. These account are out of the statue of limitation which mean by law they need to come off my credit report : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 



Based on my reading I know by law inquiry are only allow to stay on your credit report for 2 years from the day the inquiry was pulled. Which means that all the above accounts need to be removed. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back to me within 30 days. 



I am also requesting that you send me an updated credit report once your investigation is complete you can send the copy to XXXX XXXX XXXX XXXX, Georgia XXXX Thank you, XXXX XXXX
Product: Credit card or prepaid card

The numbers keep calling me about a suspected charge of {$700.00} on my Amazon account. Press 1 to find more information about the issue, but I dont HAVE an Amazon credit account. They use more than one phone number. 
( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XX/XX/2021