23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have filled a complaint in regard of a check that we sent to Shellpoint Mortgage servicing that has cashed by Shellpoint and did n't posted to our account. After the complaint, they resolved the problem as well as brought back the overcharging for the escrow funds. 
When we received the reply correspondence, we wrote Shellpoint back for more clarification about three ( 3 ) months mortgage due the letter has stated. While we were waiting for the final dispute or the clarification answer the case has closed. As we receive the correspondence last week on XX/XX/2016 there are XXXX fees that we needed to dispute. Therefore, we have to submit this new complaint. 
1-Shellpoint has charged us {$220.00} late fees. While, they are one who made the mistake or intentionally not posted the funds to our account to generate late fees. We requested that the {$220.00} late fees should wave in our account. 
2-Shellpoint has charged to our account {$2200.00} JUNK FEES " as other fee '' We ask for those illegal fees should be removed to our mortgage account. In the meantime, as of now our account is showing past due for {$8100.00}. while we 'll wait for Shellpoint to resolve the issue, we are going to make a payment arrangement.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I XXXX {$500.00} for a down payment to someone selling an auto on XXXX. I never received the vehicle nor a refund, nor anymore feedback after several several texts messages, XXXX messages through messenger. I have already filed a complaint with XXXX, XXXX, XXXX and also called the recipients bank to no avail no one has tried to help me with this matter. I was told I could file a police report but I have not done so. I would just like to receive my money back. I do have all the proof of the payment, messages, calls.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to inform you that I have recently become a victim of identity theft, as fraudulent inquiries have been made on my credit report without my knowledge or authorization. I have never made any inquiries to the following companies listed on my credit report : XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX XXXX - XX/XX/year> These inquiries are not legitimate and were made without my consent. I am deeply concerned about the potential impact these fraudulent activities may have on my credit score and financial well-being.

I kindly request that you investigate these fraudulent inquiries and take the necessary steps to remove them from my credit report as soon as possible. Additionally, I would appreciate your assistance in placing a fraud alert on my credit file to prevent any further unauthorized activities.

I have also taken the necessary steps to report this identity theft to the relevant authorities, and I am more than willing to provide any additional information or documentation that may be required to assist in your investigation.

I urge you to take swift action to rectify this situation and restore the integrity of my credit report. Your prompt attention to this matter is greatly appreciated.
Product: Debt collection

Express Recovery is reporting debt collections on my credit file that I do not owe. These collections are not mine. I have never received a notice for these, and I have no idea what they are for. Express Recovery will not give m any information on this other than they want to collect a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I noticed my credit score had dropped, due to a balance on my credit card that was processed at the end of XXXX. I immediately contacted the company to report the fraudulent charges on my account. I had not used my account in over a year. Unfortunately, I had discovered that my data was compromised during the Equifax breach. XXXX XXXX confirmed that the charges were fraudulent, and as instructed, closed my account in XXXX. 

Although my account was closed in XXXX, my credit report reported a late payment for this account. When I spoke to representatives, they had assured me XXXX XXXX  twice, that my account was resolved and closed, with no balances. This late payment is categorized as 30 days past due for XX/XX/XXXX, how? The company closed this account in XXXX! 

In XXXX, the company instructed I send the company a letter, explaining my situation and how my credit score dropped over XXXX points. I did not hear back .... I called in XXXX, and spoke to upper management and they assured me by XXXX, the changes will be reflected. I called in XXXX, and it was still not reflected, the representative stated it takes 30 - 60 days, but no longer than 90 days. I was then told XXXX definitely. It is near end XXXX, my credit score is still the same ... and this has been a traumatizing experience of over 6 months handling with no progress ... .. I am supposed to apply for a mortgage and this has been very disappointing.. I don't know how else to resolve. This case should already be open on the credit lender.
Product: Credit reporting or other personal consumer reports

I want these accounts to be out of my report, I don't want this negative thing under my name, I need it to be eliminated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

While I was in XXXX, my XXXX credit card was used fraudulently. When I came back to the XXXX on XX/XX/2022, I realized the charges and reported the transactions to the bank. Recently I received a letter saying that they have proof from the merchants that I made the purchases. When I called about this proof, they told me that there is no proof, but the charges are constant with where I usually use the card. They even told me that they didn't contact the merchants. I am in XXXX now, and I was in XXXX during the transactions. I can prove to you that I didn't make the purchases, but the investigator makes assumptions, and even not contacting the merchants is not good, nor ethical. The bank or the XXXXnvestigator is biased and XXXX  me without getting any evidence or doing a proper investigation. Again, I can send you proof but you do not have any proofs to XXXX  me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans Union in XX/XX/XXXX and XXXX of XXXX with regards to my account with XXXX XXXX. Trans Union is reporting on time payment in XX/XX/XXXX and 90 day late in XXXX of XXXX. How is it possible to go from on time to 90 day late in less than 30 days?
Product: Mortgage

Description of complaint : In XXXX, I spoke to BofA 's to cancel my owner 's HO3 policy for insurance on my new home. I was advised the HOA Master Policy covered it. I spoke with the insurance team and sent them a copy of the Master Policy on XXXX, and was told it was sufficient. Well 2 mortgage payments later, in XXXX, the escrow was still inclusive of the owner 's HO3. I called BOFA again, spoke with a representative that said she will have the insurance removed, but instead she attempted to cancel the entire escrow. I received notice that it was denied, on XX/XX/XXXX, so I called back and was told that they would correct the request, and resubmit, and I had to cancel with my insurance company. On XX/XX/XXXX, i got an email that it was denied again. I called back and was then advised that it would take 30 days to process, and that XXXX would not include the insurance, but it did. I called on XX/XX/XXXX and spoke with 2 mgrs - one named XXXX, who finally advised she contacted the insurance team and confirmed the HOA Master Policy was sufficient, and that the insurance team would clear it up witihin 30 days, as it had to go through the final steps, and any money owed would come back in a check. She told to continue paying the full amount in the interim. Today, XX/XX/XXXX, i received a call from " XXXX - XXXX XXXX in PA '' stating she needs proof of insurance. I asked her why, she said she didnt know and transferred me to inurance. Insurance representative XXXX said she sees the policy was cancelled and the Master Policy was proven ok, so she transferred me back to customer service to get the policy removed. She merged customer service, - who said insurance would do it. XXXX XXXX wouldn't speak to me again, and the had her agent transfer me to insurance manager XXXX, who hung up on me. This is very unprofessional and high level incompetence. I will let social media know that BofA is a horrible morgage servicer, as my house is the only thing in jeopardy due to their incompetence. And mgmt doesn't care. Im a sad First Time Home Buyer. The only ones that can resolve my issue dont care enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with FNB OMAHA. I have always made my payments on time. For some reason I realized that there was a charged-off account on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and FNB OMAHA with no successful resolution. XXXX  is only reporting this account. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security XXXX Consumer Date of Birth : XX/XX/year>XXXX  Email : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX {$2200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my previous complaint ... I filed for  Chapter   XXXX  in    2010, this is reported by the Credit Bureaus as FILED, when it should be reported as DISCHARGED. Not to mention, it is now past seven years.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to formally dispute the inaccurate reporting of a XXXX under XXXX XXXX. XXXX on my credit report. This XXXX was canceled with the court and did not proceed, making this information invalid and misleading. 

I have confirmed with the court located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX handling the case that they do not share such information with credit bureaus. Therefore, this inaccurate entry raises serious concerns about how the information was obtained and reported. 

I do not consent to the dissemination of my personal information through any third-party bureaus, and I demand the immediate removal of this incorrect entry from my public records. Its presence on my credit report is causing undue harm to my financial reputation and opportunities. 

If this error is not resolved promptly, I am prepared to pursue legal action to protect my rights and address the damages caused by this negligent reporting. 

Please confirm in writing when these corrections have been completed or provide a detailed explanation with supporting documentation if corrections can not be made. Please block this information from my credit report within XXXX business dats pursuant to section 605C of the Fair Credit Reporting Act. 

Please acknowledge receipt of this letter and provide a written update confirming the removal of the incorrect XXXX entry within 30 days, as per the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Apple, I need to ensure MAXIMUM POSSIBLE ACCURACY on my credit report. Please download my letter of these inaccuracies reporting that need to be deleted.
Product: Credit card or prepaid card

FRAUD. THIS CARD WAS OPENED FRAUDULENTLY UNDER MY NAME. I AM A VICTIM OF IDENTITY THEFT AND I WANT THIS CARD THAT I DID NOT APPLY FOR REMOVED FROM ALL CREDIT REPORTS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX, Experian member ID XXXX. I had an auto loan with XXXX XXXX XXXX for 3 years, in XX/XX/XXXX I paid off the balance of {$19000.00} and they also remove 2 late payments from XXXX and XX/XX/XXXX off my report. Despite all of those positive factors, my FICO score 8 and FICO score 2, remained the same! What possible logical explanation would justify that? You can tell me theres multiple factors that impacts someones score, but if I pay off a car loan I had for 3 years, and had 2 late payments removed, while maintaining my credit utilization low on my other cards - theres no reason why my credit score would remain stagnant with no change. 

This situation amongst a lot of other issues Ive had in the past with Experian leads me to believe the scoring model is discriminatory, selective and inaccurate. I need a full investigation as to why my scores did not change after paying off my auto loan and had 2 late payments removed. Im also unable to file online dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

all list accounts and inquiries are fraud and are on my credit reports. 


XXXX XXXX Date opened - XX/XX/XXXX Account number - XXXX balance - {$7700.00} XXXX  XXXX XXXX Account number - XXXX Date opened XX/XX/XXXX balance - 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 XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

They are charging {$300.00} for a fee that I don't know what it's for. Also they have called me after I made a payment and my payment was made ( this has happened several times ).  Also they have violated FDCPA by calling me early in the day leaving a message on my voicemail and then they call back again in the same day that they left a message. This happened today and XX/XX/2019. This is not the first time this has happened. They customer service reps are also very rude.
Product: Debt collection

In XXXX I became aware of a debt collection on my credit report from LVNV Funding in the amount of {$990.00}. I was not aware of this debt and did not know who this company was. 

I submitted a dispute with each of the 3 main credit bureaus. Stating this account was not mine. These debts each came back as verified without any notice to myself. Because I did not receive any information I disputed this item a second time. Agains this came back verified without any documentation to myself showing the validity of the debt. 

In mid XXXX I hired XXXX XXXX to help me dispute this item. After they began their disputing. I did finally get a letter from from LVNV funding showing that they own a debt on my name from XXXXXXXX XXXX XXXX. They also submitted a copy of an old billing statement showing my name. 

I have never had an account with XXXX XXXX. So I did some research and found that at minimum a a debt collector must show validation through a signed dosimeter by me showing that I agreed to pay this debt. A simple old billing statement does nothing to prove that I owe a debt. As this information can simply be false. 

I have attempted to dispute this item further and have been denied by the credit bureaus because I have no additional information. When in reality the debt collector doesnt have sufficient evidence that I actually owe the debt. Even after I have expressly stated this information to be inaccurate.
Product: Credit card or prepaid card

I received an email from Dicover requesting me to sign something so they can retrieve my tax records or my account would be suspended. I signed it a few days ago, then today XX/XX/22 I try to use my card and it was declined. I have just paid off this card and now I can't even use it, also perfect payment history on it, always paid more than the minimum and never late. Not to mention, my last years taxes have nothing to do with my current wage now. I called today and they wouldn't provide me with any detail as to why I'm being punished for being a good customer. They said that it is discover that requests this, but they wait on the irs that could take up to 3 weeks. I asked what if I used all my money to pay this card off, and was going to continue using it? " Oh I'm really sorry, I understand your frustration. '' No you don't because I've worked so hard on fixing my credit and now discover is playing games with the bills I have autopay set up with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX JPMCB Card pulled my credit without my authorization. 

Chase has sent me a letter request the credit agencies remove these inquiries. 

XXXX  has requested me to provide this report.
Product: Credit reporting, credit repair services, or other personal consumer reports

As notified previously, I am a victim of identity theft
Product: Vehicle loan or lease

I called Toyota Motor Credit in XX/XX/XXXX explaining that I had my information on auto pay and as result that I did not want to lose out on payment date and receive late days. 
I wanted them to be aware to work with me, as I had gone through some financial issues outside of my control and was trying to build back up so I may continue using service freely and as mentioned I am back on track with my payments. Except for late payments reported for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I expected this to occur as my information was purged and everything was set up on auto pay this is the account number XXXX
Product: Credit card or prepaid card

With no prior written notice, Regions Bank closed my credit card, harming my credit score. I had been a cardholder with them for 18 years, all in good standing. Apparently I had not used the card over the past 24 months. Regions never sent me any correspondence regarding any inactivity. Without any notice, I received a letter from them informing me of the account closure. I think Regions Bank is having trouble attracting deposits and they are systematically closing account lines of credit. While I understand their right to do this, they should give proper notice and not harm consumer 's credit scores. A
Product: Credit reporting, credit repair services, or other personal consumer reports

X/X/2017 I read about the Equifax data breach.
Equifax said to go to https : //www.equifaxsecurity2017.com/ and enter information to see if I was impacted.
Once entering my information it said I was now enrolled in their TrustedID service. There was no option to choose to opt-in to this service. There was nothing warning me this would happen and it 's unlawful to force me into opting-in.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER BANK Is illegally reporting on my credit report. 
Improper use of my report. 
In accordance with the FCRA this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 ( a ) section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Credit reporting

i have excellent credit just check my report using Trans Union they are XXXX creditor on my report all my application got turn down from these creditor trans union say i should call and ask for a deletion letter i call but keep getting redirected
Product: Student loan

Following is a copy of my most recent letter to Nelnet : I am writing to you again to ask that you PLEASE SPECIFY WHAT YOU NEED FROM ME to show that I qualify for student loan discharge because I am on XXXX. 
I have sent you everything you asked for ( over and over and over ) and you still deny me saying you did n't get the documents. And it 's funny that as soon as I send the requested documentation ( sent them three ( 3 ) times ), you send me a letter saying you did n't them. 

I want you to BE SPECIFIC about what you need from me to qualify. If the document has a number or specific name or alpha-numeric number, please specify! 

I WANT THIS MESS CLEARED UP because my credit report is still suffering!!! We have been working on it since XXXX of XXXX ( over a year! ) and the letter states it could take up to 30 days. It has been over 325 days and that 's ridiculous. 

Also, when you recently ( XXXX/XXXX/XXXX ) bought or overtook my student loans, it shows on my credit report twice, ( which now totals the same amount three times! ) and INCREASED MY STUDENT LOAN DEBT BY {$6300.00} AS STATED ON THE ATTACHED SNAPSHOT OF MY CREDIT REPORT. Now it 's showing I owe over {$9000.00} in student loans and I actually only owe a little over {$2500.00}! Please correct my credit report duplications ( again ) which we have been working on for over a year! I only owe XXXX SET OF ( XXXX ) small LOANS, NOT XXXX! 

If you ca n't get them either dismissed ( as they should be ) or correctly listed on my credit report within the next 30 days, I plan to write your superiors and they will track who was supposed to handle this and handle it correctly. 
XXXX XXXX XXXX ; DOB XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I first tried to obtail my free annual credit report online at XXXX. I answered every question that was asked including giving my Social Security number. The online response was that they could not identify me and gave me a phone number to call XXXX. 

I called the number and answered all the questions asked including my Social Security number. in late XXXX I received a letter informing me that they were unable to honor my request for a free annual credit report because I had not provided sufficient information for them to verify my identity. 

I followed the save procedure for XXXX and they were able to send my free annual credit report.