23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have documented confirmation that my mortgage payment was mailed from my bank, XXXX XXXX XXXX, on XX/XX/XXXX. My mortgage payment was due to be received by Shellpoint Mortgage by XXXX. XXXX XXXX sent me documented proof that Shellpoint cashed the check for my payment on XX/XX/XXXX. I forwarded this documented proof to Shellpoint Mortgage on XX/XX/XXXX. I have not been able to call or speak to the department that handles payment disputes because Shellpoint refuses to direct my contact to that department. I have been repeatedly told that the payment disputes department will only communicate with me via mail or email regarding their research of my payment dispute. As of today, XXXX XXXX, I am continuing to receive notices of our delinquency on our mortgage. We have never missed a mortgage payment or been late on a mortgage payment since we purchased our home in XX/XX/XXXX. In addition, Shellpoint Mortgage changed their payment address in XX/XX/XXXX. We believe this is a contributing factor in their inability to properly identify and credit our payment. As a faithfully paying customer for nearly 20 years, we are extremely frustrated by this lack of competence, compassion, and understanding. We have invested countless hours attempting to resolve this issue with Shellpoint mortgage only to be told time and again that we are unable to speak directly with anyone who can help resolve our issue, and those denials are followed by repeated receipt of late payment notices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have confidence in the National Consumer Telecom & Utilities Exchange aka NCTUE to deliver what I am requesting if I go directly to them. I have heard enough from other consumers that had problems getting their file disclosures on their own and always having to involve the CFPB. So, I am utilizing the CFPB to help me obtain my full file disclosure from the NCTUE so I can make sure the info on my file is correct.
Product: Debt collection

I was unaware of these debt many to ex wife debt. I am divorce and need these joint debt collections off please
Product: Credit reporting, credit repair services, or other personal consumer reports

My background include a list of criminal convictions I have never seen. I currently hold a government clearance through my previous employer which would have never happened if any of the convictions listed were true.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX XXXXXXXX, 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: Consumer Loan

I am co signer of an automobile account. The payment in question was XXXX 2015. It was paid online and due to insufficient funds in the primary owner 's account, the payment was returned. I learned of this from the primary owner about 30 days after the fact. I was Never contacted by ALLY -the lien holder that this account was past due, and unpaid. If you review my credit report, I pay my debts on time. This XXXX and only delinquency has caused my credit score to drop by XXXX points. I work very hard to maintain a good score and would have gladly made this payment on time if I had been notified by the lien holder. I did not receive a letter/ phone call/email from them stating this account was past due. I dispute this delinquent report because I was not informed of its delinquency. As the second account holder, I should have been notified. I would appreciate any help you can provide to get this matter reversed. Thank you for your assistance.
Product: Credit card

Bank of America is not allowing me to file a dispute on a part of charge ( {$590.00} out of {$1700.00} ) with the merchant XXXX XXXX XXXX XXXX who has negligently lost my property while cruising and now refuses compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enrolled in school in XX/XX/2020 and was told Id work for the company and pay the debt, and that the loan would not reflect on my credit. But once I was not employed by the company I received a derogatory comment and debt as if I had a credit card I never received a bill from the company
Product: Credit reporting, credit repair services, or other personal consumer reports

iam unable to obtain my  XXXX   XXXX  because of wrong personal date of birth on my account, the wrong birth year is  XXXX , whilst my correct date of birth is  XX/XX/XXXX , i have attached my credit report showing this information and my state id and passport showing my correct date of birth
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Fraudulent Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX, that need to be removed immediately Inquiries Equifax : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/year> I deposited my check from the US Treasury office for {$99.00} it stays in their policy that checks from the treasurer 's office funds will be made available the next business day however cash app has put a hold on my money for XXXX to XXXX days even though it specifically States in their policy that checks other than treasurer checks will be held for XXXX to XXXX days they are completely ignoring the fact that it's from the treasurer 's office and the funds have been verified and released on the treasurer 's end cash app is chosen to just sit on my money until XX/XX/XXXX a Saturday which makes me wait until Monday so almost XXXX weeks cash upset on my funds refusing to release them you know they've been verified and even though it is in accordance with their policy and federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter by mail on XX/XX/2023 requesting that TransUnion reinvestigate all accounts that were deemed verified. If TransUnion did a thorough investigation, according to 15 USC 1681i, I want to know how and with whom they verified said information with. I understand they are taking precautions in writing me the letter issued XX/XX/2023 however I sent in proper verification via my drivers license and a bank statement to be sure they knew that they were speaking with me. My time is valuable and I have plans to buy a house this year so I am doing my due diligence to get my credit in shape to do so. I have attached the letter I sent to XXXX along with my methods of verification.
Product: Credit reporting or other personal consumer reports

I am writing to request the method of verification used in the investigation of my dispute concerning XXXX XXXX account number XXXX on my credit report. 

On XX/XX/year>, I submitted a formal dispute regarding this item, and on XX/XX/year>, I received a response stating that the information was verified as accurate. According to the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), I am entitled to know the method you used to verify the accuracy of this information. 

Please provide the following details regarding the verification process : 1. The name of the person contacted. 
2. The address and telephone number of the person contacted. 
3. A detailed explanation of the method and process used to verify the information. 

For your reference, I have included copies of : 1. The original dispute letter dated 2. Your response letter dated 3. A copy of my recent credit report showing the item in question. 

I appreciate your prompt attention to this matter and request a response within the 15-day timeframe as stipulated by the FCRA. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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 or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to TXXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed Equifax the necessary paperwork to remove the accounts on the credit files that did not belong to me and I have not seen any change and I have gotten no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to XXXX, XXXX and transunion upon my first complaint on this matter. 

I want the following fraud items REMOVED from my report : XXXX XXXX : XX/XX/XXXX XXXX/DOFED : ALL ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX XXXX XXXX : {$730.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX Balance : {$840.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$170.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on this accounts
Product: Credit reporting or other personal consumer reports

TransUnion has an account on my credit report that is not mine account # XXXX. I asked TransUnion to provide me any documents sure as service agreement documents stating I own this debt or delete the debt and they did not respond or provide me with anything I asked for. I was a victim of XXXX breach, and my information was compromise. I feel this fraud account is a result of the breach. 
TransUnion is the only credit reporting agency reporting this Fraud account.
Product: Money transfer, virtual currency, or money service

The group is called XXXX XXXX XXXX XXXX on XXXX. They claim to use an algorithm system for crypto day trading. They get me to invest in XXXX and send it to their platform called XXXX where I deposited a total of {$78000.00} as XXXX XXXX XXXX into that platform. Then they send telegram signals daily and I place the trades. I see my balance grow which is just a number on the screen. 
When it comes to withdrawal, they asked to pay an invoice of $ XXXX as platform fees which I wasn't told about before. After some discussion I had to pay thinking that I will be able to get my deposit and profit. I paid $ XXXX in XXXX and I paid $ XXXX as XXXX bank wire transfers to XXXX XXXX  account they provided. 
I was not able to pay the rest XXXX because I exhausted all my resources. 
After that they sent access to what they called a " bank '' XXXX XXXX XXXX 
I tried to transfer the money but they asked me to pay XXXX XXXX as policy or insurance to give me a XXXX code to transfer. When I refused to pay any more money they told me that Failure to comply with this notice on or before the XX/XX/2024 will have my account ONLINE ACCESS revoked. 
As I mentioned out of the money I sent as deposit to trade and invoice they asked to pay there was {$110000.00} sent as bank wire transfer to this person : Recipients Full Name : XXXX XXXX Recipient Address : XXXX XXXX Route XXXX. XXXX, XXXX XXXXXXXX Recipients Bank Name : TD Bank Recipients Bank Address : XXXX XXXX XXXX. XXXX XXXX, ME XXXX Account Number : XXXX Routing Number : XXXX My bank failed to reverse the wire, I am filing this complain particularly for these two wires transfer sent for that physical person in XXXX
Product: Prepaid card

My Current PayPal account is XXXXXXXXXXXX this account has {$170.00} available funds ; Opened in good standing since XXXX XXXX. Account limitations have been placed on this account and it has been completely frozen I 've been told misinformation as to why my account is limited. I 've spent hours on hold and on the phone only to get nowhere. They just repeat themselves, transfer you and repeat them themselves, than put you on hold until you 've been on the phone an hour only to be disconnected.. 

FIRST THEY said my account is limited to customer complaints of not receiving merchandise.. Than they said its because on another account from XXXX that is negative. So when I get contradicting statements witch which is clearly evident in the correspondence sent by PayPal. Every response shows contempt to answer any of my questions I do n't know what to do or believe. They keep ignoring my question and repeating XXXX of XXXX scenarios. I 'm sending you everything I 've got so hope you can make sense of it and help me regain access to my account and my funds.. I really need that money I 'm behind on my XXXX XXXX credit card now thanks to PayPal stonewalling me.
Product: Money transfer, virtual currency, or money service

PayPal sent me a message today that it was permanently closing my account without an explanation why. I tried to contact PayPal but their automated phone system immediately hung up on me, and PayPal has apparently locked me out of being able to message it online. I can assure PayPal I did nothing fraudulent or that would otherwise violate its terms, so I want ( a ) an explanation of what problem they detected and ( b ) an opportunity to dispute the closure and get me account reopened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was born XX/XX/XXXX This account was opened XX/XX/XXXX by my Father who has the same name. 
I was only XXXX at the time the account was opened. 
Its more than 9-10 years old ( the acct ) and is closed/has been.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccurate and unauthorized accounts appearing on my credit report.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Someone opened a paypal credit card in my name in XXXX ( i moved out of that address in XXXX ). I got a summons for a court date and i told the judge it was fraudulent charges. He told me to work with the other party. The rep was from XXXX XXXX XXXX. 
XXXX XXXX XXXX who represents XXXX XXXX, i have complained to both that I did not make the charges and they should research the original application for credit and who applied for it. 
Now they keep sending me a bill demanding more than XXXX.
Product: Credit card or prepaid card

This issue has been dragging on for over 6 months now. I am exhausted trying to come to a conclusion but everybody including my credit card is playing ping pong and referring me from one department to another. 

I order furniture set from XXXX XXXX XXXX. I actually purchase in-store, paid with my credit card. I paid for white-glove service which is the when everything should be shipped to home and assembled. 

XXXX XXXX 's delivery was a complete mess on delivery day with delayed shipping dates, delivered damaged goods, and intentionally stopped responding to our communication attempts. We tried phone calls countless times. 

Once we started a dispute with credit card - Discover - XXXX XXXX, General Manager reached out and asked how they could rectify the situation. After speaking she understood the situation is a mess and suggested to have all items returned because of the negative experience with damaged and delayed shipping goods is unacceptable. However, it has been several months and still no one has communicated with me in regards to furniture pickup updates as we spoke about. 

Discover in my dispute portal finally stated dispute is resolved in favor but did not credit me my full dispute amount and instead charged me. I am so confused. If the dispute is in my favor then why should be charged for the damaged and delayed goods it should have been returned by now but again no one is communicating appropriately.
Product: Credit card or prepaid card

i can not use the card to make any purchase. They say i cant use any kind of money transfer service. So even though im using XXXX to send money to a company or putting money on a prepaid phone plan its not allowed
Product: Credit reporting, credit repair services, or other personal consumer reports

I am seeking assistance on a dispute that has been reported on my credit report to my knowledge since XX/XX/2022. I've disputed the inaccurate information with the creditors to no avail. I feel defeated and helpless at this point. I am asking that you take immediate action to correct the errors that you have made on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the accuracy of this account XXXX XXXX  XXXX - acct # XXXX XXXX as I have found numerous inconsistencies on my credit report. This account is listed as a collection/charge off but yet there is still a balance owed and a past due amount listed as this would be considered a violation since a collection/charge off is late by default. how is this account being verified and reported as accurate when the creditor has already written this account off as a loss of debt? There is no difference in the information published by XXXX  before my dispute and/or after my dispute was completed. TransUnion is also reporting a date of last verified on this account and yet still reporting a balanced owed and a past due balance. How is this information inaccurate but yet verified? This is incorrect and a violation of my rights under the Fair Credit Reporting Act. 

I will remind your company of XXXX XXXX TransUnion Corp., 920 F. Supp. 80 ( e.D. Pa. 1996 ). Your company could be held liable for knowingly and willfully reporting inaccurate information after being notified.
Product: Checking or savings account

Wells Fargo customer may be victim of surprise overdraft fees
Product: Checking or savings account

My navy Federal account was blocked and restricted. Due to my account being accused of being open fraudulently. I open the account. I sent in my documents such as identification, Social Security card checks stubs to where my deposits are being deposited into my Navy Federal account.
Product: Debt collection

I have previously disputed this account, with inaccurate report by Barclay Bank Delaware. Although I have attempted to resolve this account only to learn Barclay has been falsely reporting to all 3 credit bureaus despite having ownership of this account.