23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

We were working with the Shellpoint Mortgage servicing to modify our loan to avoid foreclosure and we were not informed of the delay on their end to avoid the foreclosure. We have been actively working with them to provide all of the documents and we were just informed that they would not be processing the documents to postpone the auction of the home. We were under the impression from them that if we were able to provide all of the information needed they would be able to postpone as we work through the loan modification. We were informed today XX/XX/year> that we submitted everything but it wouldn't matter since there was not enough time for them to process. If we knew this upfront we would have tried to find an alternative solution to avoid the foreclosure. We wanted to work with Shellpoint to work on a solution but feel like we were not told up front that even though we submitted everything needed they were not going to be able to help us. We are now going to lose the home and could have found another solution.
Product: Credit card

On XX/XX/2023 I opened a Barclay 's Banana Republic credit card, which was supposed to be mailed to my home address within two weeks of the opening date. I did not receive the card, and as a result, I had to pay my initial bill over the phone. 

Since I did not receive my initial card, I have reported the card lost and have attempted to have a replacement card sent to my school address THREE times since opening the card. I still have not received my credit card, and as a result, I have not been able to create an account with the company, use my card, or view my credit score. 

Since I have been unable to use my card, my credit score is dropping due to low utilization. Each time I request a card over the phone, I am informed that I will receive it within 7-14 days, and the address I verify that the address they are sending the card to is correct, however, I have NEVER received my card. 

I would like to know what can be done about this, especially as this is impacting my credit score.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX Used XX/XX/202XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 TransUnion XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX - XX/XX/2022 XXXX XXXX XXXX - XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXX, Used XX/XX/2022 TransUnion XXXX - XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Auto Financing XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXXXXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/2022 TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX Email : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject XXXX Inquiry Dispute Regarding Potential FCRA Violation Dear Experian Dispute Department, I am writing to formally dispute several inquiries on my credit report, as I have serious concerns regarding potential violations of the permissible purpose provisions of the Fair Credit Reporting Act ( FCRA ). 

The inquiries I wish to address are as follows : XXXX. **XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX XXXX. **XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX XXXX. **XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX XXXX. XXXX XXXX XXXX date : XX/XX/XXXX - Removal date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX XXXX. XXXX - Inquiry date : XX/XX/XXXX - Removal date : XX/XX/XXXX XXXX the FCRA, you are required to ensure that any credit inquiry reported in my file is made for a permissible purpose and that you can provide documentation supporting this claim. I request that you either furnish proof that you followed the necessary legal procedures when contacting these companies or remove these inquiries from my credit report immediately if they are found to be in error. 

Please confirm receipt of this letter and keep me informed of the progress of your investigation. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely,
Product: Mortgage

XXXX XXXX and his wife bought his house on XX/XX/XXXX, after that they refinanced his loan ( XXXX ) on XX/XX/XXXX. As a result of supposedly a bad procedure when the agents recorded the certificate of satisfaction of the previous loan and the new loans, XXXX never recorded the release of his lien. 
Mr & Mrs XXXX were not aware of the mistake and about that they had a pending remaining balance, until they received a FORECLOSURE letter with sale date scheduled for XX/XX/XXXX. 
They were desperate and on XX/XX/XXXX filed Bankruptcy chapter XXXX ( case # XXXX ) to keep their home, the chapter XXXX plan was confirmed and the bankruptcy completed. 
During the Chapter XXXX bankruptcy XXXX obtained the loan modification with XXXX XXXX on XX/XX/XXXX. The principal balance originally was {$13000.00}, the Loan Modification capitalized the arrears, and the new balance after modification is {$23000.00}, then after the loan modification that started on XX/XX/XXXX. He made ALL THE REQUIRED PAYMENTS. 
But during the last 6 months the loan was changed 3 times of name / servicer, and the present servicer SN Servicing Corporation, sent a statement informing that he is behind and will add fees and will foreclose the property. A representative ( XXXX ) called XXXX frequently trying to collect the payments and trying to add late fees. 
Copies of the payments are attached and the letters received. Please note that XXXX sent a money order that was never reflected on his statement and he had no option that send the payment again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX  I XXXX, 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

Please check as reference my CFPB inquire # XXXX and the attached letter with date XX/XX/2019 to the Debt Collector XXXX XXXX  XXXX XXXX in their response the said they will stop and cease any collection activity for the amount of {$300.00}. Now checking my credit report in Experian shows another XXXX Collector is reporting the Amount of {$300.00} such amount has been disputed in the past as you know. I opened immediately a dispute within EXPERIAN and this new Debt Collector XXXX XXXX XXXX still flagging as a validate debt. 
That is the reason Im open this complaint against the debt Collector ( attaching debt validation letter along with the Experian report affecting my credit score ) The CFPB should be aware this act is Intentional and with the goal to harm me, I would like to ask the CFPB to ask Experian and the Debt Collector XXXX XXXX XXXX to remove immediately this vogus Debt Collection Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that an account was erroneous. The credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Up on reviewing my credit report I notice that on inaccurate account was deleted from my credit profile then was replaced back on to my credit report with out any form of notice. According to the consumer law 15usc1681i ( 5 b ) they have violated my rights as a consumer and creating damages to my process of purchasing a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$12000.00} XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$14000.00} XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX {$12000.00}
Product: Money transfer, virtual currency, or money service

I am writing this because I had my account hacked and someone transferred money directly from my savings to my checking and was then Zelled away. Despite requesting information from Zelle, they told me that was something they could not help with. There is a lack of responsibility when it comes to this sort of behavior. They told me they could not track where the funds went. It is not fair to customers or consumers who are relying on Zelle everyday.
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 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  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: Debt collection

On XXXX XXXX, 2015, I received a letter from American Medical Collection Agency ( " AMCA '' ) dated XXXX XXXX, 2015, regarding collection of a medical debt. The letter did not include the notice of right to dispute debt. Instead, the letter stated, " Dear XXXX, you may believe that XXXX will eventually forget about the XXXX you owe for XXXX. However, it is our responsibility to make sure that neither our client nor you forgets this debt. There is no longer any justification for not paying XXXX. Withholding payment is not acceptable. Your lack of response may place your credit record in jeopardy. You can resolve this problem easily before we are forced to take further collection steps. Send us your remittance for XXXX with the bottom portion of this letter, and we will promptly notify our client and remove your name from our delinquency files. Spare yourself further time on this matter. Pay this past-due bill today. '' On the back of the letter it stated, " this is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. '' However, the letter did not disclose my right to dispute per the FDCPA. The language contained in the letter implies " my lack of response '' will place my credit record in jeopardy. I consider this to be in violation of the FDCPA.
Product: Credit card or prepaid card

On XXXX XXXX my credit card was used for transactions that I did not initiate. The transactions continued to occur until the transactions were taken out of the state of Illinois which is when Bank of America finally flagged them and notified me there may be fraud. I have not left the state of Illinois, nor have I traveled to the places these fraud charges were made in. I also live alone and do not have anyone that can access my physical credit card. Once I was notified by BOA that fraud was occurring I called immediately and put a hault on my card ( which was in my physical possession ). The representative stated that's weird because the charges were made using the chip in the card. We deactivated the one in my wallet and a new one was shipped to me.  BOA denied the fraud claim weeks later as " the chip was used ''. Yet, I called back and stated it was not me and they need to dig deeper. The representative asked if I received a card with a " new touch less feature ''. I said " no, I'm not aware of that and nobody informed me a new card was being shipped to me ''. She stated that it was all making sense now and that my card just have been stolen in the mail. I was appreciative of her help and expertise and it all made sense. However shame on BOA for mailing me a card and never telling me. However, even after a police report has been filed, months later, I am struggling with Bank of America to return my funds. I have filed a complaint on here before only to be dismissed. This entire case has been ridiculous and falls on BOA being incompetent to actually investigate. Facts - I didn't even know a police report would help until I continued to follow up and a representative told me " it's not required but it will help to get one ''. I  was unaware the police, in a major city like XXXX, would even spend the time on a case like this - but I filed it and still have charges on my card I did not make. A consumer should not have to be put through this and have this agony because a large corporation wants to protect themselves. I did no wrong and have been a BOA customer for 25 years. Silly, they send me a congratulations on 25 years notice but can't handle a case. I may have to get an attorney as we will file for more than the fraud charges and attorney fees.
Product: Checking or savings account

Was charged 10 overdraft fees for transfers I didn't approve from a account that was hacked and fraudulent transfer was made resulting in negative balance of $ XXXX and charged {$360.00} for Nsf and overdraft fees and trying to dispute transactions because of account being hacked and transfer made was not by me it was fraudulent transfer
Product: Debt collection

I had an account in 2008 with XXXX and before leaving I paid and return and necessary equipment and now they are saying I owe them a bill. I do not owe them when I left the company I had a zero balance and they waited until now to report this inaccurate information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I noticed a few errors on my credit report on XX/XX/2021 and wanted to fix this up as I am trying to get my credit to be accurate. I have a closed account with XXXX XXXX XXXX I recently paid them {$200.00} to settle which is what the customer service rep told me would be removed. I called them on XX/XX/2021 to ask why it is still hasn't been removed and they were asking me for more money. I feel misled by there company and that I no longer owe them due to agreement made they made. I also have a closed account with XXXX  department store card which to my knowledge was settled a long time ago so unsure why that is still on there. Lastly XXXX  XXXX is coming after me with harassing phone calls. I have no knowledge of what they they are talking about or authorized anything by them. I am looking for all 3 of this inaccurate information to removed from my credit profile.
Product: Checking or savings account

I have had an account with US Bank but was never told that they put ch ecks through 24 h r/day. I asked for this policy in writing but they do n't have it in writing and never did. I had a check go through at  XXXX   XXXX , which I did not know was possible. I have had a number of overdrafts and have now realized its because the check went through in the middle of the night and I wake up with an overdraft posted, when I had looked at my account the eve before and it was positive. Ive asked what the business hours are at my bank and I 'm told they are  XXXX  to  XXXX . I assumed that that 's when business is conducted and not the middle of the night. Now I realize that checks can go thro ugh 24/7. No one told me that and it is not in any of the bank brocheres they have given me. It is not printed anywhere. I checked with the banker. This is deceptive practice.
Product: Vehicle loan or lease

Wells Fargo approved me for a used car loan back in XXXX. I had full coverage insurance thru the time of the loan but Wells Fargo still charged me for GAP coverage which caused me to fall behind on my payments. This resulted in some negative marks on my credit report. There was one month I had changed over insurance I believe to be in XXXX and picked up new insurance a month later. However Wells Fargo charged me the full GAP insurance and never gave me credit as to having insurance. Wells Fargo also misapplied some of my payments due to this GAP coverage they were adding onto my loan and caused me to fall behind and caused repossession request which again caused a negative against my credit report. I had the loan for a total of about 4 years ( XXXX ) and due to the negative reporting it caused me not to be able to get financed to purchase another vehicle. It started in XXXX and continued thru the life of the loan causing me to loose about {$3700.00}. Due to the misapplied payments and billing me for GAP insurance caused my loan to increase even more than what I originally was approved for. This caused me to turn upside down in my car loan with Wells Fargo and resulted to me buying a buy here pay here car that ruined my credit and I am still suffering from it now. This caused me to go into a deep XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank You
Product: Credit reporting

There is being reported under public records that I have a open Judgment Case # XXXX, There is no account listed. 
I have been disputing this information with the credit bureau for numerous month now, By Mail and Phone. 

At this point Experian keeps telling me this has been verified when in fact its impossible that they verified the information, Well if they would verify the information then Experian would see this is wrong and has nothing with me. I have requested proof of verification from Experian which I was still not given and I am now waiting 3 months.
Product: Credit reporting or other personal consumer reports

I sent a copy of the FTC report, and it has come to light that 3 credit bureaus are not obstructing records. In order to help with the legal response, I am sending this complaint as required by FCRA regulation 605b. If you choose not to obstruct the following documents listed below, which contain fraudulently obtained answers, I will turn over my archives to my attorney so that they may start a legal process. My intention is to not pursue any lawful action, so please, if it's not too much bother, abide by the law. 
XXXX XXXX XXXX XXXX XXXX, MIXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the attached documentation. Im a victim of identity theft. The following collection account is on my XXXX and Experian credit report. The following collection account is fraudulent and not my account : XXXX XXXX, XXXX, XXXX. I being receiving harassing and threatening phone calls of profane language, death threats, arrest, and imprisonment from XXXX XXXX representatives for a fraudulent account and, debt that I dont owe and dont belong to me. XXXX XXXX is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law. I filed a police report with the XXXX County Sheriffs Office in regards to the fraudulent collection account. The police report case number is : XXXX.