23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX took the late XXXX XXXX XXXX XXXX home which I resided in with her for over 5 years at least everything I was making mortgage payments. They were supposed to post a thing in the paper anybody that had any interest in property after her passing should attend City meeting. It was never ran in any paper. I looked. I was power of attorney/durable power of attorney. And making mortgage payments out of my own pocket. I also had a lease agreement with XXXX XXXX XXXX. The bank knew this. XXXX XXXX contacted me on XXXX and then ask me a lot of questions. About XXXX and if there were any executors. XXXX XXXX and XXXX XXXX XXXX owner went in and took over as far as representative and over seeing of estate. Keep in mind Court proceedings that I went to court for. Were a bill that I owed XXXX XXXX XXXX for XXXX XXXX funeral. I wasn't actually there for an eviction. Just to be removed from the premises. And hadme evicted from my own home. Where I was not squatting I had Utilities in my name. And somehow she got Bank information that was not privileged to her. Which I was behind on two payments. I was evicted from my house even though that's not what I was in court for. I was there to vacate premises for being a squatter. She didn't have to follow the guidelines of the law. And the judge overseeing the case just looked past it. Didn't make her file in the proper way in order to do what XXXX XXXX the attorney was trying to do. She is also done this to several other people and taking their homes. At least four that I know of. I don't know how this is legal. And XXXX XXXX also has a real estate company address to her law office on XXXX XXXX in XXXX Kansas but it's not stated anywhere there's no sign saying that that's what's there. But when you call mapping it gives her company plus her address which actually belongs to her law firm. It's some sick way for them to gain Realty for money cuz. If I was a squatter and I had paid utilities within this if they sold the house they'd have to give me the difference after the funeral expenses and any foreclosed type stuff such as final payment on the house through the bank was done I would get the difference according to the law here. At least that's what I've been told. But they're not selling the houses returning them into rentals. Therefore never owing anybody any money. And they let them sit for long periods of time. But reason for evicting and such a timely fashion was because they needed to get in there and wrap the plumbing before it got cold. Which it already been done because they destroyed most of the house and everything in there gutted everything. So that was never even really a liable reason to have somebody evicted And Timely fashion. It's all very confusing. And I was definitely railroaded court. I don't know how many different people have told me that that was against the wall. But I'd like to know for sure. And hope that it doesn't happen to anybody else.
Product: Mortgage

I. DISPUTE Case No. XXXX 1 ) Seterus Inc. 's response of XX/XX/XXXXwas not followed by more information but says, in regard to providing a " single point of contact '' that they may assign a " team '' as a single point of contact rather than any one individual. The problem with this response is that they have yet to identify any such " team '' by name or code number, so all correspondence, calls, emails, faxes, go to n o identifiable person, and I never know who should receive or has received my communications ; i.e. they still do not follow the single point of contact practice for all practical effect.
2 ) They also say ( page one of their letter to me ) their enclosed Account Statement incorrectly detailed the monthly installment of {$1600.00}. But they do not seem to say how they rectified the error.
II. New Issues : 1 ) Seterus ' practice is to charge a late fee when a payment is received after the XXXX of the month. But my XXXX payment, which was mis-routed by the Post Office to Tennessee, still arrived by XX/XX/XXXX according to the certified mail receipt they signed. They said they would look into the issue but have not yet acknowledged their overcharge as of XXXX today.
2 ) Seterus has not remitted my property tax refund : As a low income/XXXX/senior citizen, I was granted a Property Tax Postponement. However, I have been paying my property taxes as part of my loan payment to Seterus. The XXXX XXXX County Tax Collector/Treasurer, which was paid my taxes by the California State Conroller, did not repay me but instead paid Seterus, so Seterus was paid TWICE, by me and by the county. My tax situation is supposed to be a " WASH '' so i do n't owe but am not shortchanged. But if I sold now, i would have to repay the state, and I already paid Seterus, so I would be paying TWICE, Seterus is getting PAID twice. That refund should be going to me so that there is a wash.Instead, i have been using the tax payment money that I was not supposed to pay, to pay for my bills and basic needs. So Seterus needs to repay me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO WHO HAS DONE SUCH A THING TO MY CREDIT. THIS SITUATIONS HAS BECOME VERY OVERWHELMING AND IS CAUSING ME A GREAT DEED OF STRESS. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I HAVE SO MUCH I WOULD LIKE TO ACCOMPLISH AND IT IS VERY HARD FOR ME. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. WHILE DOING SO PLEASED KEEP IN MIND THE THE NEGATIVE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.
Product: Credit reporting or other personal consumer reports

Equifax refuses to delete unauthorized hard inquiries despite providing documentation. Contuinues to violate consumer 's right despite several communications submitted to Equifax. I have sent in an opportunity to cure already.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eleventh endeavor to tell the Credit Bureaus 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 a fraud or extortion. I need these items deleted : ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX  XXXX Balance Owed : {$340.00} ; and XXXX XXXX Balance Owed : {$0.00}, as these items are the result of the Identity Theft .
Product: Debt collection

The company did not send the correct federally and state mandated letters not did they provide or address that in the precious complaint and it was closed with a deficient and irrelevant response.
Product: Credit card or prepaid card

I received a bill for {$30.00} on XXXX XXXX. However, I made this payment on XXXX XXXX. I contacted Discover via chat on XXXX XXXX and asked if I had already made this payment. When I checked both my statement and attached payment history it did not reflect any returned checks, backoffs, or indication of any returned check. Further, it shows I already made a XXXX payment on XX/XX/XXXX. 

Discover Bank is clearly in violation of Regulation Z as well as other local statutes protecting consumers. I both want Discover Bank investigated and prosecuted! They are clearly engaging in the kind of subprime lending scams that resulted in the economic crises as well as both fraudulent and malicious acts that have caused civil damages to millions.
Product: Debt collection

I am called at least 2 times a day ( sometimes 3 ) everyday Monday through Sunday, starting at XXXX and ending right before XXXX from Barclays Bank ( XXXX ). I am calling all of my creditors to set up payment plans. Some I have not gotten to. I am so frustrated by the end of the day, that I don't call this one. I work during the day and can't answer my cell phone! I have to silence my phone, because they call everyday like clockwork. I am getting at least 15 calls in a 7- day period, sometimes 21 calls. I am then getting blocked calls when I don't answer. These calls started around XX/XX/2023.
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and i notice i have some fraudulent account on my report, Please removed them they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Bankruptcy XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Bankruptcy
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to request a reinvestigation regarding a late payment that has been reported on my credit reports from TransUnion and XXXX, but does not appear on my XXXX report. This discrepancy raises concerns about the accuracy of the information reported. 

The details of the account are as follows : Account Name : XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/2024 Under the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i, 15 U.S. Code 1637 ( b ), and 15 U.S. Code 1681s-2, I have the right to request the removal of inaccurate or unverifiable information from my credit reports. Given that this account is reported as a late payment by two agencies but not by the third, I believe this information may not be accurate and should therefore be removed. 

I kindly request that a thorough investigation be conducted, and if it is determined that the information is erroneous, that it be immediately removed from my credit reports. This removal is crucial to ensuring that my credit history reflects accurate and up-to-date information. 

Thank you for your attention to this matter, and I look forward to your prompt response. 

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

The 3 major credit bureaus ignored my request to provide me with the documents to verify the disputed accounts. As a result, this means that the items have NOT been verified or you can not verify any of these accounts under Section 611 ( 5 ) ( A ) of the FCRA. The unverified items still remain on my credit report in violation of Federal Law. The credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified these items as being reported correctly, yet no information has been provided to me. I have asked to be provided with the name of the individual, their business address, and telephone number of the individuals that were contacted to verify my accounts. The original letters were mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for Experian. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The original letter was mailed out by certified mail on XX/XX/2019 and was delivered on XX/XX/2019 at XXXX for XXXX. The credit bureaus had 15 days to get me the information I requested so the information MUST promptly DELETED since it was not verified.
Product: Mortgage

Shellpoint Mortgage Servicing withdrew two mortgage payments from my bank account on XX/XX/scrub>XXXX  I contacted them immediately, and they confirmed that the duplicate payment was an error caused by a system issue affecting many homeowners. They assured me the extra charge would be canceled. However, despite their acknowledgment, the duplicate payment is still pending withdrawal from my bank account. Instead of stopping the extra payment before it processes, Shellpoint has stated that I must wait for the full withdrawal before they issue a refund. This means they are withdrawing {$4100.00} instead of the correct amount of {$2000.00}. 

Adding to the frustration, Shellpoint sent an email at XXXXXXXX XXXX XXXX on Saturday, XXXX, acknowledging the issuejust one minute after their customer service closed at XXXXXXXX XXXX Since they have no customer service available on Sundays, I had no way to escalate the issue until Monday morning. This has caused unnecessary financial strain. Despite multiple attempts to resolve the issue, Shellpoint has not taken corrective action.
Product: Bank account or service

I made a deposit at key Bank ATM funds are supposed to be and advertised of being available immediately however there ATM malfunctionined and after calling the branch when open following day was told yes there ATM balance was over and they did make a mistake however I have to wait 7-10 days for my deposit to be credited, not only did this anger me but the women I spoke with at the branch was highly unprofessional, spoke to me in a way that made me feel undervalued, underappreciated, and told me false info that I need to come into branch and file paper work to get my money back I also asked to speak with branch manager and was told that is not possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection company puts debts on credit reports that aren't accurate, resulting in denial of credit because this is a false reporting on my credit report. I don't ow any money to them or the companies they say.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently attempting to fix my my credit and I requested my credit report from XXXX and it doesn't allow me to retrieve my report. I am wanting to dispute items on my report that i do not recognize as well as items that should have came off already.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

According to the 15 U.S.C 1681 section 602 A. States have the right to privacy These addresses do not belong on my credit report. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type XXXX complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex
Product: Vehicle loan or lease

Instructions given to the indenture trustee regarding account XXXX for PORSCHE FINANCIAL SERVICES have not been executed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$620.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$4500.00}, DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$6700.00}, DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$6900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00}, DEPT OF EDUCATION/XXXX XXXX Date opened XX/XX/XXXX XXXX {$6500.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX XXXX {$11000.00}, DEPT OF EDUCATION/XXXX XXXX Date opened XX/XX/XXXX Balance {$3200.00} XXXX and XXXX XXXX XXXX Date opened XX/XX/XXXX Date opened XX/XX/XXXX Balance {$000.00}.
Product: Consumer Loan

This is not my account. I never lived in XXXX XXXX or opened any accounts there. This is a fraud. I tried calling them and lines are disconnected.
Product: Credit card or prepaid card

Greetings, funds were posted on my card but the ATM says ... " Transaction Cant be made at this time. '' XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent me a new card ( unrequested ) and directed funds to be put on this new card. I activated it in XXXX and used it successfully. Now traveling in XXXX, my card is not working. So hear this : When I call # on back of card and goin through all the prompts, a voice says ... " we experiencing extremely high volume call back ''. Just tried at XXXXXXXX XXXX and got the same message after about 15 attempts at different times. Anyone experiencing similar problems or can give solution? Thanks ... and I know bout changing card companies. DM or XXXX XXXX Running out of patience bout my own money. IMPOSSIBLE TO TALK TO A LIVE PERSON ABOUT THI MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every year when I go to get my XXXX annual credit reports Equifax is the only one that states I must mail in personal info, A copy of XXXX or social sec card ... I should not have to mail this personal info when the other XXXX  companies do not require it. I think they just do not want to provide the free report
Product: Checking or savings account

In XX/XX/XXXX, an indirect deposit was made from a XXXX XXXX in XXXX. I called PNC to let them know what happened and I was told that PNC was going to enter notes in the system and call the branch to let them know about the error. The problem continued to happen. And I kept calling every Monday like if it was my new routine. I received the same scripted message that they would call the branch. Long story short, the deposits stopped in XX/XX/XXXX. On XX/XX/XXXX PNC withdrew all the deposits from my account. {$1200.00}. I received no notification from PNC. So I called the bank and they said that they sent me a notification through the mail. When I asked them when it was sent, they said today. Which doesn't help me. So I was in the hole for {$1200.00}. My direct deposit reached my account and PNC took it. So my new balance was still in the negative. PNC corporate tried to remove some of the fees, but the fees continued to accumulate. What bothers me is that I'm paying for PNC 's ERROR! They advised me to do a cash advance from my PNC credit card to pay the debt. At this point I was furious and frustrated I just wanted to close my account, so I did do the cash advance. I went to a PNC branch in XXXX, IL. and they stated that in order to close my account I would need to be in " XXXX '' balance.So I did empty it out. And now PNC is racking up all kinds off fee 's on me. I'm super done with this. I'm trying to close my account. I owe nothing on the accounts. Please help! 

I have heard nothing but horror stories with PNC when people attempt to close their accounts.
Product: Debt collection

GLOBAL CLIENT SOLUTIONS, along with XXXX XXXX XXXX are illegally collecting upfront and monthly fees to clients as they HOLD their money to later pay off credit cards debt owners. 

I believe Global client solutions already had a judgment against them by CFPB for this same issue. 

Please investigate both companies for these illegal fees : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX