23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

For the past XXXX I have paid rent and mortgage by allotment from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. In XXXX XXXX the mortgage went from XXXX to NewRez/Shellpoint. XXXX mailed all payments on-time ; no checks were returned to XXXX, and funds were taken from my account monthly, on schedule as normal. 


XXXX Military Pay Technician, XXXX XXXX and I discovered the checks were going to the correct address with the old mortgage company name XXXX. 


I have called, emailed, uploaded required documents to their website. 


As a consumer I am concerned that my account was mishandled. A blemish on my credit report effects employment opportunities, interest rates, insurance rate, among other things. I request a review of how NewRez/Shellpoint processes mail in check payments. I was falsely accused of a delinquent account, is this happening to other NewRez/Shellpoint customers? 


XXXX or I, do not understand why the checks were not returned to XXXX, which would have alerted everyone something was wrong. 


Payments : XX/XX/XXXX, Check # XXXX, Amount : {$570.00}, Pay Date : XXXX XX/XX/XXXX XX/XX/XXXX, Check # XXXX, Amount : {$570.00}, Pay Date : XXXX XX/XX/XXXX XX/XX/XXXX, Check # XXXX, Amount : {$570.00}, Pay Date : XXXX XX/XX/XXXX XXXX TABS XXXX. Email XXXX Sun, XX/XX/XXXX, XXXX. Email XXXX, Fri, XX/XX/XXXX, XXXX. Letter XXXX XXXX XX/XX/XXXX, Subject : MISC Disc Allotment NewRez/Shellpoint Mortgage XXXX. Letter XXXX XXXX XX/XX/XXXX, Subject : MISC Disc Allotment NewRez/Shellpoint Mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent Jefferson capital has violated my rights 15usc1681 section 602a stars I have a right to privacy also 15usc 1681 section 2 it also states a consumer reporting agency can not furnish a account without my written permission or instructions.
Product: Payday loan, title loan, or personal loan

I am currently going through a security clearance with the XXXX. I had a debt with XXXX XXXX ( original lender ) that has been transferred to Mountain Lion Acquisitions. I called them on XX/XX/XXXX at 1108hrs. I spoke with XXXX and my financial counselor attended this telephonic appointment. When we asked to be placed on payment arrangements, XXXX disclosed that my balance was {$17000.00}. This loan was taken out in XXXX of XXXX. I made 3 payments of {$360.00} for a total of {$1000.00}. After that time, I was unable to continue payments. My current credit reports list this debt as having a balance between {$2600.00} and {$4100.00}. I asked why the balance was so high and he explained that the interest rate was 186 %. He said he could stop interest from accruing starting today and that he could possibly reduce my amount owed but refused to lower it to the amount listed on reports of {$4100.00}. I asked for a settlement of {$4100.00} with payments of {$200.00} per month auto debit until the balance was paid in full. He could not do this and it was at this time I requested he validate the debt.
Product: Debt collection

XXXX XXXX ( 11 XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Checking or savings account

I had opened a SoFi account in XXXX and decided i was gon na use it later with the promo they have going on ( when you refer someone to them, you get a bonus and the other person who signs up under your referral link gets one too i believe ). I would log in a couple times over the month but I didnt know to how to access my balance for a while until last week when i could really understand how the app works and realized that whenever i would refer someone and i get the money, the money would be taken out at a XXXX XXXX XXXX North Carolina XXXX I am not from north carolina at all, i'm stationed in maryland and dont know anyone from there. I didnt even get the chance to use my account or use my card before 13 fraudulent transactions were made on my account. I contacted SoFi and the guy on the phone apologized for what happened and REASSURED and PROMISED me that I was getting all my money back and that he was disputing all of the charges. A couple days later, I get a update on all the disputes he made and all my disputes were DENIED but I dont understand because the transactions were originated from North Carolina and thats not where I am so where were these transactions authorized and have no error?? 

XXXX : I filed a complaint with CFPB and SoFi made no effort to fully investigate this transaction, and I was not allowed a chance to provide my own evidence to prove I did not make this transaction. They claim that the debit card was activated and a pin was used but I have not gone home ( in XXXX XXXX MD ) to get my card or activate it so that doesnt make sense. I am currently XXXX XXXX XXXX XXXX XXXX and have been for the past 8 months so I havent gone home to collect all my mail and cards. I will attach the police report I have filed due to this dispute and I have a lawyer currently investigating this further.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should have been deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I started a XXXX XXXX XXXX  and ordered 1 item to build my credit. The item never got delivered. I complained and they did nothing about it. Didn't send me a new item. The tracking always stayed shipped never delivered. So I didn't pay for something I never received. All these years and it's still on my credit report even when I gave in and paid the collections agency. I got a pay to delete letter from XXXX but XXXX XXXX XXXX  will not delete off my report and doesn't reflect it was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX both my spouse and I received negative remarks on our separate credit scores reported by Transunion. We see it as no coincidence that both of our credit reports by Transunion dropped exactly by 34 points and both of our accounts state there is a remark on our individual XXXX XXXX accounts. I contacted XXXX XXXX and my accounts are all in good standing and there are no remarks. I then contacted Transunion and was informed of a public record that has been reported since XXXX in which I have worked very hard at repairing my credit. 2 days prior to this drop I had an increase in my score for exactly 34 points after filling disputes. I have done nothing nor has my spouse for there to be any change but maybe an increase due to on time payments and above the minimum amount. Transunion is falsifying information and destroying two different peoples credit with the exact same -34 points and for a false reported remark from the exact creditor. We do not share accounts or any finances. Please look into this.
Product: Credit reporting or other personal consumer reports

My account with 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 was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 - 90 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rul

e 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card or prepaid card

During my phone conversation in mid-XXXX with a Citi Bank Rep, I was promised that both balance transfer fees would be refunded due to their error. Citi Bank took my over payment and refunded it back to me as an balance transfer and then charged me a fee for refunding my money.
Product: Credit reporting or other personal consumer reports

Attention : Transunion XX/XX/XXXX To whom it may concern, This collection mentioned below and disputed was purchased by a third party debt collector, XXXX XXXX XXXX. This account must be deleted as the status is not correct, the amount is not correct and account was paid for less than owed by XXXX XXXX XXXX. 

Account originally from XXXXXXXX XXXX XXXXXXXX account XXXX in XXXX. Incorrect amount reporting as {$350.00}. 

How much did XXXX XXXX XXXX pay for this collection? I don't know and neither does my credit report reflect such amounts. This is a clear violation of the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY. 

Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID, XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my earned income/direct deposit from my employer and other incoming transfers on XX/XX/year>. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This techical issue wasnt forwarded by Capital One until i checked my account balance numerous times throughout the day. I found out a mass amount of people are experiencing the same issues with their direct deposit. This experience raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld legally. Thank you for your assistance with this matter.
Product: Credit card or prepaid card

This is not my account. This was open during the year and time frame that my identity gotten stolen. I have disputed this as soon as I saw it on my credit report. After it had done been turned over to collections. 
I did not pay on this account or card. 
Ive never had a credit card with VS. 
I need to DISPUTE THIS AGAIN AND GET IT TAKEN CARE OF AND OFF MY CREDIT REPORT.
Product: Mortgage

XX/XX/XXXX I contacted lender to advise them of my diagnosis of a severe chronic illness and I had lost my job. They informed me they had no forbearance or any options for 2nd Mortgages. I continued to pay XX/XX/XXXX was my first late payment and I paid XX/XX/XXXX including late fee. 
XX/XX/XXXX I contacted lender to make them aware that MNHOMEHELP was attempting to pay them but had not received a response. XXXX told me to get date attempt was made. I contacted lender XXXX XXXX provided date of email then was told they get XXXX of emails they needed time also. I contacted lender again provided date and time and this agent informed me they were not able to retrieve emails. I asked for XXXX but was told there wasn't one available and they would ask for one to call me back. It took 3 weeks of constant calling to lender and MNHOMEHELP reaching out to them yet lender said they couldn't open encrypted email!!! Instructions are in the email on how to open. Eventually I was able to get an agent at MNHOMEHELP to call them and sit on the phone with an agent to walk them through how to open email. MNHOMEHELP is federal organization so all their emails are encrypted. Lender then completed form requesting XXXX and XXXX payment. They received payment XXXX. They charge late fee after XXXX of the month and they would have been paid had the experience of opening encrypted emails!! They reported late on my credit from their error!!! My credit dropped over XXXX points.
Product: Checking or savings account

When I realized my bank account had been hacked after my cell phone was stolen I reported the 1st fraudulent charge of {$1000.00} to Wells Fargo on XXXX. I was told my account had been secured but the very next day it showed an additional {$1000.00} coming out of my account from the person I just reported fraud on so I had to call back on XXXX because my account was never secured when I reported the fraud on XXXX The 2nd {$1000.00} should never have come out of my account & since it did not fully post until the XXXX it could have been stopped When they realized they had neglected to secure my account on XXXX. I've been hung up on 7 times in the last 4 months I've been trying to get Wells Fargo to return the money. In the 25 years I've banked at Wells Fargo I have never XXXX  more than {$600.00} at a time & I only make a little over {$2000.00} a month so I don't understand why this transaction was not flagged as fraud when it's 4 times the amount I've ever XXXX & I've never XXXX anything to this person in the past. 
Other than a few {$20.00} to {$40.00} garage sale purchases I pretty much only XXXX money to the same 2 or 3 people. Being a victim of theft is stressful enough but not being able to trust my bank to do what they say they'll do has doubled the stress. Plus having to drive all the way to the bank because the fraud department keeps hanging up on me has caused this to consume an excessive amount of my time. I trusted Wells Fargo with my money because I was told my money was insured against things like this but now it seems like they lied to me. Wells Fargo continuing to allow money to be pulled from my account after I reported the fraud has caused the damage to double. Please help me resolve this because it's causing a serious hardship
Product: Debt collection

On XX/XX/2022, I received a XXXX credit alert from XXXX and XXXX  that a new account has been added. I was surprised because my credit has been frozen for a year and I have not applied for any new credit. When I logged into XXXX, I noticed that Aldous and Associates, a collection agency, had been added to my credit file in the amount of {$76.00} for XXXX XXXX in XXXX. I immediately disputed this as I have NEVER had a gym membership in XXXX nor have I ever received any bill or notification in the mail for this amount. I suspect someone took out a membership in my name. I immediately filed a dispute with XXXX, but when I called XXXX  they said they could not locate the collections on my report, yet it was added to XXXX  and then later on to XXXX, both credit monitoring services for XXXX. This is very upsetting to me because it is not my debt, I have never had a membership for XXXX XXXXXXXX in XXXX, nor have I received any information or warning from XXXX XXXX or Aldous and Associates before this was added to my report. If I knew that a debt was being collected in my name, I could have worked this out with XXXX XXXX to explain that this is not my debt and something is wrong. Now, my credit score has taken a significant hit. I checked my XXXX  and XXXX reports and this collections account is not there, but I am worried it will fraudulently be added to those accounts as well. I work VERY hard to maintain a good credit score and have never paid any bill late or had any kind of negative mark on my account. This is very upsetting to me considering it is not even my debt and I never received anything in the mail notifying me that XXXX  XXXX was trying to collect a debt, let alone one that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my personal credit information including social security number was made public in a security breech of Equifax. This I understand to some extent - although a massive security failure, they are likely under constant low level attacks. However, what I do object to, strongly, is that I did not find this information out from Equifax. Instead, I had to find it through the media, more than a month after Equifax discovered the leak. This is grossly negligent of the company, as many consumers may find they have suffered identity or credit theft that could have been avoided.
Product: Credit reporting or other personal consumer reports

I SENT LETTERS ON XXXX TO XXXX AND TRANSUNION ABOUT INACCURATE AND INCOMPLETE ACCOUNTS REPORTING ON MY CREDIT REPORT AND OLD ACCOUNT OVER 7 YEARS NOT BEING DELETED AS WELL. THEY ARE IN VIOLATION OF 15 USC 1681S-2 AND I AM REQUESTING FOR DELETION OF THE ITEMS
Product: Bank account or service

I closed my Chase Checking Account over the phone almost 2 months ago and still have not received my account balance check in the mail. I want my account balance returned to me in branch. 

I closed my Chase checking account over the phone on XX/XX/2016. The number I called was XXXX. As of closing date, I had a remaining balance of {$2400.00}. I was assured over the phone that I would receive a check for that amount within 14 business days. 

I had still not received my check by XX/XX/2016, by which point 14 days had elapsed. I called in to inquire regarding my balance check. Chase assigned a research analyst named XXXX ( tel : XXXX ext XXXX ) to my case. XXXX called me on XX/XX/2016 and told me to go to a physical Chase branch branch to sign an " affidavit '' to have the check reissued. 

I go to my branch on XX/XX/2016 and spoke to an employee named XXXX XXXX ( tel : XXXX, email : XXXXXXXXXXXX ). He had no idea what affidavit I needed to sign. I called XXXX and she did not answer. After I sat in XXXX 's office for 3 hours while he called around, he gave me a National Account Closing Request form to sign. I sign and have it notarized and he faxes it in to XXXX on the same day. I have attached a copy of the form. 

After XXXX faxed the affidavit in, he told me he is unsure if he is allowed to reissue the check. After hearing nothing from Chase, I called Chase again at XXXX on XX/XX/2016 to inquire about the status of my check and spoke to a manager named XXXX XXXX in Ohio. She tells me the branch should mail me the check, but that she has no way of confirming if the affidavit was received and when it will be reprocessed. 

On XX/XX/2016, I went back to the branch and spoke to Branch Manager XXXX XXXX XXXX ( tel. XXXX, email : XXXXXXXXXXXX ) to attempt to get the situation resolved in branch or at least get some indication of when it would be resolved. She calls in to the Banker 's Support internal support line and spoke to " XXXX '' who assured us that my check was mailed out on XX/XX/2016. " XXXX '' was unable to provide a tracking number or check number for this replacement check. As of XX/XX/2016 I have still not received my check.
Product: Debt collection

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  PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} I am enclosing a copy of a letter that I mailed to your company via certified mail requesting that you verify the alleged Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I APPLIED FOR A GREEN DOT SECURED CARD IN XX/XX/2019. I NEVER RECEIVED IT. A FEW MONTHS LATER MY CREDIT REPORT SHOW A DEROGATORY ACCOUNT MARK. I SUBMITTED A {$200.00} AS A DEPOSIT. THE CARD NEVER CAME AND WHEN I CALL CUSTOMER SERVICE FOR THE CARD THE REQUIRE THE CARD NUMBER WHICH I NEVER RECEIVED. THE OTHER OPTION WAS USING MY SOCIAL SECURITY NUMBER AND I TRIED THAT AND THE SYSTEM SAYS THEY ARE HAVING TROUBLE FINDING MY ACCOUNT. THE CALL JUST CUTS OF AFTER THAT AND THERE IS NO OPTION TO SPEAK TO A PERSON. I COULD NOT EVEN BE RE-DIRECTED BY THEIR PREPAID CARD SYSTEM BECAUSE THEY ARE NOT CONNECTED. I WROTE LETTERS TO THEM AS WELL. I GOT NO RESPONSE AND THE NUMBERS GIVEN TO ME DO NOT WORK. I WAS ROBBED OF {$200.00} FOR A CARD I REPORTED TWICE. I GET ALL OTHER CONTACT ACCEPT MY PHYSICAL CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1.Delete this account, because this account was charged off in XX/XX/XXXX, and reports account type under the XXXX 2.Delete this account, because the Open date is XX/XX/XXXX, on the credit report shows open date XX/XX/XXXX. Incorrect information. 


3.Delete this account, because it reports an incorrect amount. Correct amount is {$740.00} on the credit report shows {$740.00} 4.Delete this account, because it shows an incomplete account  number. Correct account number # XXXX ; on the credit report shows # XXXX 5.Delete this account, because it shows Account  name XXXX XXXX, and on a different report shows XXXX XXXX XXXX Please delete this account, and send me a new report.

I need to apply for a mortgage in 2 months and this is an urgent matter.

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color.

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. )
Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit card

I purchased an item from Home Depot interest-free fro six months. XXXX, XXXX, told me that there would not be any interest for six months. Butas I was making payments, they added interest, back dating the initialdate of purchase. Now without resolving this problem, they have inflatedthe amount by adding interests, which is not proper at all. Additionallythey cut down my credit line to the amount owed to them