23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/ XXXX  at around XXXX I discovered that my checking account was empty when I went to get something to eat on XX/XX/XXXX at around XXXX I drove to Truist bank ( fornely know as BB & T or SunTrust ) when I arrived at the bank I asked the bank teller at Truist if I could see my bank account details because my card balance said it was at {$0.00} and that did not make any sense to me and when the bank teller showed me my account history I immediately saw where {$1000.00} had been withdrawn from my checking account on XX/XX/XXXX ( 1 day prior to me discovering that someone had cleared out everything I had in my checking account ) upon me discovering that someone had made an unauthorized withdraw I immediately told Trust bank to shut my account down and I immediately drove to the local police station and filed a police report on the {$1000.00} that had been stolen out of my bank account and upon further review I noticed that there were many unauthorized purchases dating back to around XX/XX/ XXXX XXXX  in total I counted 63 unauthorized purchases that I never noticed because they were very small amounts until on XX/XX/XXXX when {$1000.00} was stolen from my checking account and after finding that out it was a total of {$1900.00} that was stolen from my checking account. I called Truist Fraud department everyday for 3 hours a day constantly being put on hold and constantly being treated like I did something wrong this has been a nightmare and Truist Bank has not corrected anything and Truist Bank has put me through XXXX and has done nothing except for reinburse me a measley {$200.00} of the roughly {$1900.00} that was stolen from me through unauthorized purchases and Truist Bank has fought me and made me feel like I did something wrong when it is Truist Bank who has put me through XXXX and will not correct what happened. 

The local Police Department where I live ( The XXXX Police Department ) has done everything they can to try to find out who did this but to no avail. The Detective assigned to my case did a very good job in trying to find the thief who stole from me but for right now he said this is going to remain an open investigation. And so when I called Truist Bank for the 30th time to tell them what is going on they still refuse to put the money back into my bank account
Product: Credit reporting or other personal consumer reports

These account were never investigated or removed from my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Constant Freezes Constant Hacks Never Have Fast Access Constant Disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

High Credit, Past due amount, date of last payment, last reported and payment history are not being reported factual and consistently between the three major bureaus. Account Name : XXXX XXXX I am requesting that this account not be updated and I am demanding that this account be permanently removed from my credit file. 

I have attached and highlighted the inaccurate reportings from each account that are reporting inconsistently between each bureau. AGAIN, I am not requesting an update on these accounts, I am demanding a deletion of this account and I am demanding that you not ignore my demand. 
By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report. It is to my understanding that you will recheck these items with the creditor who has posted them. I also understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. Thank you for your time and help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX XXXX and all three credit bureaus ( Experian, XXXX, and XXXX  ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX Account # XXXX ... Amount {$1900.00} and another for {$100.00} for an authorized/unknown medical bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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: Mortgage

Response to Complaint XXXX : Since Newrez ( XXXX XXXX ) acquired my loan in 2023, their negligence and mismanagement have caused significant issues, with no resolution offered. This pattern of behavior suggests systemic problems within the company that warrant closer scrutiny and regulation.

Specific Instances of Negligence : 1. Documentation : Shell Point failed to confirm that all paperwork was accurate during the loan transfer. It is unacceptable that they attempted to verify documentation eight months later, coinciding with the policy expiration. Initially, they claimed, " We did not know which insurance carrier to contact, '' only to later state, " We tried to contact the insurance company ( last minute ). '' 2. Communication : Shell Point did not use the mortgagee clause to ensure timely payment, instead holding my escrow funds past the deadline without calling me. They had no problem aggressively pursuing me when they mistakenly thought I was behind in payments ( see complaint XXXX ). This same level of diligence should have been applied to disbursing escrow funds on time.

3. Escrow Funds : Escrow funds are meant to be managed by the lender, and it should be unlawful for a lender to hold these funds and miss payment deadlines. Shell Point 's mishandling of my escrow funds was negligent and unacceptable, causing undue stress and potential financial harm.

4. Responsibility : According to RESPA, lenders have specific responsibilities for communication and documentation. Shell Point failed to meet these standards, neither ensuring everything was in order nor effectively communicating ( calling ) issues to me. RESPA clearly defines the responsibilities of the new lender during a transfer, and Shell Point did not fulfill all obligations.

These incidents illustrate Shell Point 's inefficiency and lack of proper management, reflecting broader issues within the company. Numerous XXXX reviews indicate that my experience is not an isolated case, but part of a troubling pattern. Shell Point 's practices are unfair and detrimental to homeowners, highlighting a need for more frequent and thorough regulatory reviews to protect consumers.

In conclusion, Shell Point 's handling of my loan has been fraught with negligence and poor communication, leading to significant issues. Their practices should be reviewed more often to ensure fairness and accountability, preventing other homeowners from experiencing similar hardships.
Product: Debt collection

I am not sure if this company is legit or not. Could be a scam trying to pry personal information from you for criminal reasons. I do n't owe anyone any money so no reason for a collection agency to contact me that is why I am suspicious. Phone # they contacted me from is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized credit inquiries from my Equifax credit report. Upon reviewing my latest credit report, I noticed two credit inquiries that I did not authorize. Therefore, I am disputing these inquiries and requesting their removal from my credit report. 

The unauthorized inquiries are as follows : 1. Equifax Mortgage Services - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX Please investigate these inquiries and have them promptly removed from my credit report. I kindly request that you provide me with a full report of your findings within 30 days, as these unauthorized inquiries are adversely affecting my ability to obtain new credit. Additionally, I would appreciate receiving a copy of my credit report once this issue has been resolved. 

Thank you for your attention to this matter. Your assistance in resolving this discrepancy is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

Dear Consumer Financial Protection Bureau, LENDER : SPS SELECT PORTFOLIO MORTGAGE ACCT # XXXX DOCUMENTS ATTACHED : ASSIGNMENT OF MORTGAGE RECORDED IN ERROR XXXX RECONVEYANCE LIEN RELEASE FOR THIS LOAN " SAME INSTRUMENT NUMBER '' SHOWING PROOF THIS LIEN HAS BEEN RELEASED GRAND DEED SHOWING NEW OWNERSHIP IN MY NAME I'm writing to request an assignment of mortgage recorded on my property in ERROR by SPS Servicing , INC . I've been communicating with them since XXXX to have this removed and have not yet received confirmation. 

THE ASSIGNMENT OF MORTGAGE THAT WAS RECORDED IN ERROR was just recorded XX/XX/XXXX after purchasing the home in XXXX. This is a past mortgage from the previous deceased owner from XXXX. I'm also receiving mortgage statements and unwanted mail to my home in the prior deceased owner 's name regarding this loan. 

This is putting a huge financial distress and burden on our family 's life. We can not sell or refinance our home until this matter is fully resolved and the assignment is REMOVED! 

I look forward to getting this removed from my property as soon as possible and resolving this issue. 

Please feel free to contact me if you have any questions or concerns or need any additional information.
Product: Credit reporting or other personal consumer reports

I was sent a letter by a company in XXXX saying that they were suing me for a debt that another collector had just received notice of dismissal by the court. 

I explained this to them and they said no this is a different debt that originated at US bank. I said yes I only have checking and savings. Credit cards are through capital one and XXXX of the XXXX credit cards is only XXXX XXXX XXXX I had the XXXXXXXX XXXX checking account for XXXX years and the credit cards XXXX years they are trying to combine all of the credit cards that were dismissed in court I gave her the fourth XXXX number and date. She said that they will need a police report that. I dont know why for what. This is something else as dates have been changed to the advantage of themselves
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report from the 3 major credit bureaus ( XXXX, experian, and XXXX  ), and noticed Items that i've attempted to resolve with them for 4-5 months now and still shows unresolved with the same erros. These items have multiple inaccuracies and it's a total violations of state and federal laws and regulations ( FRCA, FDCPA, etc ).
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 Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX and list of Inquiries 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 seven 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: Checking or savings account

On XX/XX/21 I tried to make a XXXX transaction of {$1200.00} that did was rejected by chase. My online access was blocked until I verified my identity. I verified my identity in the chase mobile app, confirmed I initiated the transaction and was instructed to resubmit. I resubmit the transaction only for the same thing to happen. I contacted Chase customer service and was instructed by the customer service representative to try the transaction again with her on the phone. The transaction was rejected again and my accounted was locked. The rep transferred me to another department. Whole on hold I received a call from someone claiming to be in Chase 's fraud department. He asked some " identity verifying '' transactions but one of them was to give the first, last name and date of birth of one of my relatives. That didn't seem like a question the bank would ask me and I refused to answer. He instructed me to call chase. When I get through to a representative at chase was asked for my debit card number but I have not yet received my debit card. The representative put me on hold only to come back and tell me chase has decided to end the business relationship and not provide an explanation. I asked if I could go into a branch to withdraw my funds and I was told that I would be mailed a check which is ridiculous. I just want to withdraw my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Experian please delete XXXX from my credit file. You are reporting open as this account should be closed. I have contacted you about and yet its still open. I have attached documents from where I made a claim on here ( cfpb ) and they said they dont have An account for me, in return I know they cant validate that this debt is mines and yet when I dispute to you guys you always update within 6 days and and mail me something saying its been updated from previous disputes which is not fair! You ask me provide proof and you always disregard which is crazy what bout me as the consumer and my rights it seems as if your company is always going with the collectors. Please investigate what documents I have attached and delete this from my file please. 


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

XXXX XXXX XXXX has falsely sent me to collection. In XXXX, I lived in an apartment building that XXXX XXXX XXXX provided internet service to. For some reason, after I left, XXXX XXXX XXXX sent me the internet bill from that apartment. I was not responsible for paying the internet there. In XX/XX/XXXX, XXXX XXXX XXXX contacted me about a final notice for a bill totaling {$130.00}. I contacted them and clarified that I did not owe them {$130.00} because the apartment was not mine. They confirmed that I did not owe them {$130.00}. However, on XX/XX/XXXX, I received a notification on my credit report that I was flagged for a collections amount totaling {$130.00}. I contacted the credit agency, Credence Resource Mana, and I told them I was confused why they flagged me for collections. They told me that XXXX XXXX XXXX withdrew the collections. The issue is that my credit score went down XXXX points because of the flag. So I was still injured.
Product: Credit card

I pay my monthly American Express balance in full each month via their app on my phone. The last statement indicated the due date was XX/XX/XXXX. I paid the full amount ( {$14000.00} ) on XX/XX/XXXX. The next statement included a {$380.00} finance charge and a {$29.00} late fee. I informed American Express by phone & was told there would be an " internal review " & I would be notified ( this was on XX/XX/XXXX ). I received no notice & called again on XX/XX/XXXX. I was told that it was declined and that the interest & late fee were due. In addition another {$190.00} was added as what they called " trailing interest ''. The only remaining balance during their review was the previous interest & late fee. So the balance now has increased to {$610.00}, none of which I feel is warranted.
Product: Credit reporting

The question " Have you disputed the issue with the credit reporting company and received a final response? '' has XXXX answers on my part. I have disputed the information with the credit reporting company ( Equifax ) ; however, the credit reporting company ( Equifax ) has neglected ( deliberately ) to provide a response within the allotted time by the FCRA. I am including my disputes for your reference. I have been the victim of ID theft, and an account that was supposedly opened XX/XX/XXXX and never showed in any of my reports is now shown in my Equifax report as 31-60 days late. I have never opened an account with XXXX and the company itself has refused to provide any information to me because " the information '' does not match their records. I request Equifax to remove this account and all inquires that were not authorized by me, and I have sent them a copy of the police report.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam, I am writing to submit a complaint regarding the actions of XXXX XXXX XXXX XXXX and Viking Client Services , LLC in relation to a successfully disputed charge on my debit card.

On XX/XX/2023, I rented a car from XXXX XXXX XXXX XXXX and provided them with my credit card information for payment. The rental car rented, had pre-existing damage from a prior rental. I have included pictures that I took of the car when I received it, which clearly shows there were preexisting cosmetic damage to the car. Ive given the rental staff at XXXX XXXX XXXX to document the the pre-existing damage but the customer represented noted that the rental agreement was already delivered to me electronically. 

Additionally XXXX rented me a car with low tire pressure. I received the low-tire pressure warning 5 minutes after I drove the car off the lot. Their lack of maintenance and inspection is extremely concerning. XXXX put me in a dangerous situation by renting me a car with existing damage and also low tire pressure. 

After the rental period was over, XXXX XXXX XXXX XXXX charged my credit card in the amount of {$65.00} and attempted to charge me for the rental cars pre-existing damages. I contacted my bank to dispute the charge, and after a thorough investigation, my bank determined that the charge was not valid and was successfully reversed. 

However, to my surprise, I recently received a notice from a debt collector, Viking Client Services LLC, noting that I am still responsible for the {$65.00}. I was shocked and confused by this, as I had already won the dispute with my bank. 

I believe that XXXX XXXX XXXX XXXX XXXX  and Viking Client Services, LLCs actions are in violation of the Fair Debt Collection Practices Act and other relevant consumer protection laws. I would appreciate it if the Consumer Financial Protection Bureau could investigate this matter and take appropriate action against XXXX XXXX XXXX XXXX for their illegal and unethical behavior. 

Please find attached all relevant documentation, including my bank 's letter stating that the disputed charge was reversed. 

Thank you for your attention to this matter.
Product: Student loan

To whom it may concern, The problem I currently face is one that has affecedt every aspect of my life. I have been dealing with this issue for the last 5 years. It started when I signed up for the federal student aid loan program because with out it, I would not have been able to pay for my education. Not only was the fact the the loan would continue to compile interest after making timely payments not disclosed to me, in addition every fee that sallie mae could come up with amassed a debt amount that I am ultimately not able to afford. My debt to income ratio exceeds 75 % which caused me to max out my credit cards because I literally could not afford anything and once my credit cards where maxed, I also lost my apartment as well leaving me with an eviction on my record. Having something like this on your credit pretty much disqualifies you from everything. The student loan program has done nothing but cause stress and ruin my life.
Product: Credit reporting or other personal consumer reports

I did not authorize nor give consent to companies XXXX XXXX XXXX to consent to my credit file. This is identity theft
Product: Credit reporting or other personal consumer reports

In accordance with XXXX XXXX, which stipulates that all contracts entered into by myself with a buyer must be supported by proof of debt and a copy of the contract, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Furthermore, both the Federal Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) reinforce the necessity for strict adherence to these conditions. 
Inquiries that I have not authorized also have affected my credit standing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX Comenity bank closed an existing account I had with them after I applied for another with them. The first being a XXXX credit card and the second being a Sony card. They did so did to my number of inquirie sI suspect, but it is unknown at this point as they gave me numerous invalid reasons for closing the XXXX card and denying the Sony card. Now my report shows that I opened and closed 2 accounts with then when it was only one. They have refused to remove the second one and now my age of accounts is suffering adversely. Please help me resolve this horrible customer experience. Thank you.