23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like to make a complaint against Shellpoint New Rez. They were the holders of my home mortgage ( resold to them since the mortg was initiated with XXXX back in XXXX ). I started a refi process to get a lower rate and move the mortgage from Shellpoint to XXXX XXXX. Since the apartment was a Co-op, it requires a Stock and Lease to close the refi. Shellpoint, as the lender, must possess that Stock and Lease and provide it to the new lender to complete the refi. XXXX XXXX XXXX the new lender ) requested the S & L from Shellpoint in XX/XX/XXXX. XXXXellpoint took 2-3 months to get back to us ( despite numerous emails and calls ), only to tell us they could not locate the S & L.

A new copy of the S & L therefore needed to be obtained from the Co-op attorney ( after Shellpoint produced an affidavit stating that they had lost it, which itself took months to obtain from them ). The Co-op lawyer charged {$250.00} to produce the Stock and Lease. Shellpoint refused to pay that fee ( which blocked the refi from closing ) despite the fact that the Stock and Lease was supposed to be in their possession, that they had lost it, and that their losing it required it to be reissued! Shellpoint stated that they would not pay the fee, but would reimburse me at closing for that fee. So, to unblock the refi, I ( the owner ) paid the Co-op attorney the {$250.00}. The refi is now closed XXXX XX/XX/XXXX XXXX, BUT the fee was never repaid to me by Shellpoint New Rez. Shellpoint has again not done what they said they would do. They still owe me the {$250.00} for the production of the Stock and Lease ( I won't even get into the hundreds of dollars their delays cost me in a refi that took 7+ months to complete due to their obstructionist behavior ). I have also filed a complaint during the refi process with the NY XXXX XXXX  ( case number : XXXX ) but the XXXX has been unable to get Shellpoint to repay the fee for the Stock and Lease ( the complaint with the XXXX and repeated escalations was the ONLY thing allowed the refi to proceed ).
Product: Checking or savings account

Between XXXX and XXXX my wife and I were in Arizona ; we live in Connecticut. On Saturday XX/XX/XXXX and Sunday XXXX we were denied the use of bank debit card for normal transactions such as purchasing gas and going to dinner etc.. Each time we attempted to use the card the transaction was denied. Our checking and money account balances exceeded {$35000.00} and our attempted purchases were approximately in the low hundred dollar amounts. This was a great inconvenience, embarrassment, and mistreatment to us. When I called our Connecticut-based bank ( Webster Bank, N.A. ), customer service informed me that because we were out of state ( i.e., Arizona ) the bank reasoned that it was fraud on the card and blocked access to the account ( s )  through the debit card. I asked the bank 's customer service individual why the bank did not contact us since it has our : two cell phone # s ; two e-mail addresses, and text access, and I was informed that they left a message on our home phone without ever attempting to contact us via the other contact points, which they have had for years. This makes no sense and was irresponsible on the bank 's part, particularly since my wife travels to California, XXXX, and Florida on business regularly, uses the debit card on the road, and has never had her access to funds/debits denied. The bank also indicated that we should have notified them that we would be traveling to Arizona - since when does a consumer need to share their travel plans with their bank? That sounds like an invasion of privacy to me. Webster Bank greatly inconvenienced ( and embarrassed ) us while we were in Arizona and failed to contact us when its had multiple communication options available. The bank denied us access to our funds on deposit and caused us economic hardship because we were forced to use our credit cards in lieu of having ample funds on deposit. 

The Bank 's approach in this matter was inexcusable and needs to be addressed. Further, I asked customer service if there is a 'travel policy ' that requires a depositor to inform the bank of his/her travel plans, and was told no ; but we should have!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 have 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 an account without my written instructions
Product: Credit card or prepaid card

Starting XX/XX/2022 I was charged by XXXX XXXX for purchases in the amount of XXXX. I did not notice these charges that occurred again XX/XX/XXXX, XX/XX/XXXX, {$27.00}, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, {$27.00}, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX. The charges increased to over XXXX each. On XX/XX/XXXX I received confirmation the card was shut down. I was given temp credit for the {$100.00} purchases. Since then I have been calling and writing about the other charges. I even have a letter from XXXX confirming this was not my purchase but an on line gaming fraud. My last phone call to Barclays was to a XXXX who put me on a high priority return call list, That was XX/XX/2022.
Product: Debt collection

This is a 3rd party collections that will not take the proof I sent them that the original company agrees there is no balance. They come back and say I did not provide enough information.
Product: Debt collection

The payday loan debt was sold to RMG Systems, XXXX, XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX,. RMG fraudulently reported to XXXX  credit reporting agency that the debt was for a revolving credit account and had the account added to my credit file. The debt was for a payday loan. I contacted RMG and was told they can not remove the information. I would like to know what can be done to a business that fraudulently labels accounts to have them added to consumer credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor ( USAA ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a a credit account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I just learned by XXXX XXXX that I have a new harmful collection data in my Credit Reporting Agencies, and I don't even know that company.

I never received any previous communication from this company. How come they destroy my credit score when I don't even know what's going on.

It should be retrieved from all reports immediately.

I never saw such a thing ; I'm asking myself if It is just discrimination.
Product: Checking or savings account

Fraudulent activity on my account in XXXX of XXXX. 

I notified my bank and started a claim ( Claim XXXX ) Bank of America froze / canceled my debit card, took them a month to send me a new card due to some issue in their system, which is another source of frustration from this process. 

The total charges that I was able to identify as purchases I did not make only totaled slightly over {$100.00} before it was caught and my account was frozen. So the issue was more so that someone else was charging my account rather than the dollar amount. 

Bank of America issued me credit back for these charges and aside from several phone calls to resolve why I had n't received my card I did n't have any reason to follow up on the fraudulent charges, I figured the bank was doing this. 

XXXX XXXX, XXXX the charges were placed back on my account by bank of america stating that they did not match fraud patterns? 

I know for a fact that I was not in the various cities these charges took place in ( over an extended period of time, so no chance of charges being mislabeled due to any delay posting to my account ) Additionally, there were several charges from a laundry mat. I have never even been into a laundry mat in my entire life. 

I spent a total of 2 and a half hours on the phone today ( XXXX/XXXX/XXXX ) trying to even get in touch with the bank and a possible resolution. The bank appears to be intentionally red taping the situation by asking for unrealistic and uncessary documentation. 

Bank of America has stated that I would have to fax in a statement. I told them I do n't have a fax machine and asked if there was any other way to have them re visit my claim since I 'm 100 % positive those charges where not mine and they told me no, so I 'm reaching out to the CFPB as I do n't feel this was properly handled let alone resolved.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed inquires that I did not make nor did I approve anyone pull my credit report
Product: Checking or savings account

Wells Fargo basically messed up my account with letting somebody empty my account out due to fraud never informed me or nothing
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on XXXX, XXXX XXXX XXXXXXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my XXXXXXXX XXXX XXXX XXXXXXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information. 
2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of Law : I believe the verification process by XXXXXXXX XXXX XXXX XXXXXXXX may violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my XXXX XXXX XXXX XXXX  report. Specifically, I ask that : 1. XXXXXXXX XXXX XXXX XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
2. XXXXXXXX XXXX XXXX XXXXXXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my XXXXXXXX XXXX XXXX XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a police report and they are still reporting this fraudulent account on my credit report that doesnt belong to me. This needs to be deleted from my credit. Please show validation of debt, and show proof of contract, who was there to witness this contract being signed? This account is not valid and identity theft. This is defamation of character. I will pursue charges of {$150000.00} for defamation of character and negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated the below accounts were properly investigated from letters sent certified mail on XX/XX/2022 but how is that possible if the open dates are inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate. This is grounds for immediate removal of all accounts. They also violated my rights under 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report. 

XXXXXXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX Acct # XXXX, has violated my rights FXXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX  XXXX Acct XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights Acct # XXXX, has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights XXXX XXXX  Acct # XXXX, has violated my rights XXXX XXXX XXXX Acct # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

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 the records of convictions of crimes which antedates the report by more than 7 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

Affirm inc- {$110.00}, inform them to communicate by mail and verify information through mail. 
XXXX XXXX- {$500.00}, informed them to update me with verification documents through mail
Product: Debt collection

Comenity Bank has called me directly in the past and I sent them a letter in writing to cease calling me about the debt, approximately 60 days ago. They have ceased calling me directly but over the past 30 days have begun calling my family members and explained they are attempting to " locate '' me. Today I was there when they called my wife 's cell phone and so I spoke with the representative and reviewed the fact that I have informed them to stop calling me about the debt. The representative told me that they only had record of being told to stop calling me directly, but nothing in writing about calling my family members. That is false and also debt collection harassment.
Product: Credit card or prepaid card

I called to make a payment for my Total Visa Card. The automated system stated that i was over the limit so I speak with a representative and she states that I was charged an annual credit fee of {$48.00}. Every time I question charges for the past months this year everyone says it's the annual fee. No way should an annual fee be charge every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and now I have accounts reporting on my credit files that doesn't belong to me. Also these accounts are now in ligation Therefore, I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX  5. XXXX XXXX XXXX XXXX  {$6400.00}
Product: Credit reporting or other personal consumer reports

There's a collection agency name microbilt  that keeps pulling my credit report almost every six months resulting in a hard enquiry every time. I contact the reporting bureau XXXX  and they keep allowing this company to pulled my report whenever they choose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was deleted off my account after a fraud dispute but its back alongside anther collection i didnt do
Product: Credit card or prepaid card

On XX/XX/2019 I purchased a plane ticket for 2 friends and myself with my citi card. 
The amounts totaled {$2200.00} ( 3 tickets ), and {$210.00} ( 3 seat assignment ). 
On XX/XX/2019, the airline I purchased from ( XXXX XXXX XXXX ), went " insolvent '' and bankrupt. All XXXX XXXX flights were cancelled and the website immediately went down, there was no customer service available. 

I called Citi credit card services XX/XX/2019 to let them know what happened and to find out what my options were. I was told, even though the airline I purchased from went bankrupt, that because my flights were through a sister airline ( XXXX  ) that I shouldn't do a dispute until my flight/booking was cancelled. 
I have spent the last 3 weeks struggling to get verification that my booking was cancelled, and was finally informed XX/XX/2019 that it was and that I no longer had a flight. 
I can not request a refund through XXXX XXXX because they no longer exist and my flight was not " ATOL Protected ''. 

I started the dispute process with Citi yesterday XX/XX/2019, only to be told that it could take up to 45 days for an answer, and there was no guarantee I'd get any money back from anyone. 
The rest of my holiday is booked and set to begin XX/XX/2019, so I have 62 days to purchase a new flight for 3 people, when I've already spent {$2500.00} that I may never get back through no fault of my own. 

I should have started it as soon as the airline I purchased from went insolvent, but my card company told me not to. Now I am 3 weeks further behind. 
I have been a Citi customer in good standing for years. 
This situation is a very unique reason for a dispute ( Airline bankruptcy ). I have also never filed a dispute over any charges and use my Citi card daily.
Product: Debt collection

I discovered this account on my account. I have never received a notice for the right to dispute. I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently encountered an issue with XXXX regarding excessive charges on my account. Despite having a single line, my monthly bill increased significantly, reaching {$110.00}. In response, I decided to switch to XXXX. I made two additional payments to XXXX after my switch to ensure there were no outstanding balances. Specifically, I paid {$100.00} on XX/XX/year>, and {$110.00} on XX/XX/year>, after switching to XXXX on XX/XX/year>. XXXX subsequently closed my account, and I could no longer access it to verify any remaining balance. 

The transition to XXXX was smooth, and I began my service with them, paying my first bill of {$120.00} on XX/XX/year>. Several months later, however, I received a letter from XXXX stating that I had an overdue balance of {$340.00}. I disputed this charge multiple times, explaining that I had fully paid my balance before the switch. XXXX responded by indicating the balance was accurate, claiming that additional free accounts were added to my account without my consent or use, which resulted in additional charges. 

XXXX has now charged me for services I neither requested nor used, and these unauthorized charges are negatively impacting my credit. Given that I am no longer a XXXX customer and have fully paid my dues, I firmly believe I do not owe any additional amount and will not pay these charges.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
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 looked at my EXPERIAN credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.