23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX I ordered 2 phones on XXXX as a brand new customer. i chose to pick this up in store. When I got there they said they could not process my online order due to a store error and created a new order for me and got me my phones. They said the other order would be cancelled. It was not. two days later fedex showed up with 4 phones with XXXX. I refused delivery and they were sent back. I went to XXXX store twice and asked them to make sure that they cancelled the other account and they said yes they did. 

On XXXX/XXXX/XXXX I went in to upgrade my phone and was told I did not have the credit to upgrade even though I am a current customer. Turns out they sent the first account that I refused over to collection. I called them and they admitted fault and said that they did receive the phones back. The rep, XXXX said this was the craziest thing they had ever seen. 

They reported this to my credit and took over XXXX points from my credit. Im losing contracts and business because my credit looks like I wo n't pay my bills. Per XXXX XXXX XXXX advice, I called back today ( we spent hours the day before dealing with this ) and asked them what they were going to do to make me whole and fix my credit. 

They were extremely aloof and said they had no supervisor to speak to. Would not help me. I tweeted customer service begging for help. As of now, no answer. They wo n't fix my credit or address getting this resolved.
Product: Mortgage

Reissuing this complaint because Flagstar responded to my claim, but failed to even mention the issue in their response. They even wrote someone else 's name in their response, even though my actual name was published directly above it. The CFPB should have never closed this complaint as it was never resolved. 

Flagstar transferred my loan to another company that was effective XX/XX/year>. My home insurance was set to expire XX/XX/XXXX. I got a call from my insurance company on the XXXX saying my insurance wasn't paid. I called my new loan company and they said it was up to Flagstar to pay my insurance since they were supposed to issue the payment at least three weeks before the expiration. Due to this failure of Flagstar, I was forced to pay my home insurance of over $ XXXX out of pocket in order to prevent my insurance from being canceled.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX5 U.S.C 1681 Section 602 A. States i have 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.

15U.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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s- ( 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. 


I ask many times for proof of signature of contract for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. that this account belongs to me, However Experian refuse to send me any proof of contract with my Signature to verify it mine account.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts below to be verified with my signature or be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name and they do not relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

Please see attached documents.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against ChexSystems for failing to remove an inaccurate and fraudulent account from my consumer report. 

A fraudulent bank account that does not belong to me was reported to ChexSystems. I have already disputed this account directly with ChexSystems and provided supporting documentation, including a letter from XXXX XXXX confirming that this account was opened fraudulently and is not my responsibility. Despite this, ChexSystems has refused to remove this incorrect information from my record.
Product: Mortgage

This company falsely advertised on their XXXX that rates start at 2.10 % APR as of XXXX CST. I completed a Prequalification within 10 minutes of that advertisement and was offered a rate of 2.75 % with an APR of over 2.9 % with $ 6,000+ in points. 

They have a disclaimer that its for loans greater than XXXX with credit score of XXXX+. Both of which I fall into the categories of. 

In addition to they are also requesting deposit for services not rendered which is a complete violation and will further be addressed with the state regulators.
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 the Consumer Financial Protection Act ( CFPA ) Specifically Cash App failed to make timely and effective measure to prevent and address fraud on their platform, leaving my account venerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ). These actions have caused significant inconvenience and financial loss and I seek appropriate redress
Product: Mortgage

On XX/XX/XXXX and XX/XX/XXXX I passed d my mortgage in full however I used 2 bank accounts to Amerihome mortgage. The automated system took the first payment of {$500.00} from XXXX XXXX XXXX. I made the remainder of $ XXXX from XXXX XXXX. Later on I was told they dont accept partial payments in the future. I was told to request a work order to fix the problem and they still havent done it. Ive phone 6 times to hear the recap over and over, left on hold to only be disconnected. I even sent a request to their website for assistance to no avail.
Product: Checking or savings account

On XX/XX/2021 there were two withdrawls made from my personal checking account in the amount of {$2500.00} each in two seperate areas in Florida. I live in XXXX Arizona and was not in Florida during the time the money was taken from my account. Wells Fargo did not notify me of any suspicious activity. I noticed the activity on my account and notified Wells Fargo of the withdrawls made and a claim was established. Since that time multiple claims regarding the same issue have been submitted and all claims have been denied by Wells Fargo with them saying there was nothing else they could do for me and suggested I contact the sheriff 's departments. I then contacted XXXX XXXX XXXX XXXX XXXX. as well as XXXX XXXX XXXX XXXX XXXX. Neither of the sheriff 's departments were able to help me recover my funds. I did receive a suspicious email saying a card was added to my XXXX XXXX, but I am unaware of what that is. At no time in my life have I ever given another person my personal information or been irresponsible with it. I have been trying to get my money back for months now with no help from Wells Fargo.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00XX/XX/XXXX XXXX - XX/XX/XXXX2015 - {$490.00}
Product: Money transfer, virtual currency, or money service

on XX/XX/year> at XXXX pm I was a victim of scam from my cash app account, I first got a call from someone ( registered as XXXX on cash platform ) .when I picked up the call ( he used Lyft support Phone Number ) he told me that the last customer I dropped off made claim that I did not match the picture on my profile and starts the verification process by asking questions and gave the answers thinking that I was talking with XXXX  Support when he got all the informations he needed He sent me a link from there he got in to my account through cash app and send himself {$1300.00} from my Bank Account XXXX 
I immediately try to get the refund, they denied it. 
I report it to XXXX  by Phone and email
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS NOT LATE ON MY AUTO I WAS SICK WITH XXXX XXXX  PLEASE HELP TO UPSDATE MY CREDIT I ENCLOSED PROOF
Product: Debt collection

I keep getting robocalls from Harris & Harris Ltd. claiming I have a debt, but they never provide any information. I have been getting a call a day for about 3 weeks now. All my attempts to respond have failed since they never have a human on the line. I have no idea where this debt is coming from and they won't tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I would like to file a complaint against TransUnion, regarding false information being placed onto my credit file. 

True financial  facts, and updates that should be taking place onto my credit file, are not being updated. 
Anything derogatory, false, fraudulent, untrue, and at times even not belonging to me, is placed on my credit file. 

This has gone on for years, and in XXXX I had, had to get attorneys to write to TransUnion regarding the handling of wrong information that they insisted on placing onto my credit file. 

I submitted a complaint to the CFPB on XX/XX/XXXX, regarding my TransUnion report, because there was a collection on my report that was not mine, and an address etc. 
Attached is the copy of the XX/XX/XXXX credit report that TransUnion sent me, the collection was removed, but they need to remove that address of XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX. 
That has never been my address, it came with that medical collection. When that collection was added to my credit file, TransUnion dropped my credit score, and they have not added back the score points that they took from me. 

XXXX, XX/XX/XXXX. I was told by two mortgage lenders, and several insurance companies, that I wanted to do business with, that my score is in the LOW 500s, and there is no reason that it should be. 

I WAS ALSO TOLD, that in the NEGATIVE area of my credit file, debts from XX/XX/XXXX, items that I had already disputed over the years. 

These debts are showing as if they are NEW charge offs, and collections, dated from ( XXXX of XXXX ). 

All of that information is false, fraudulent, and inaccurate, and needs to be corrected, and my score raised, and updated. 
I have not had anything to do with any of those creditors since XX/XX/XXXX. 

Just look at the status dates of when they are to come off of my credit file, that alone shows what is being reported is false, and intentionally updated just so as to damage my credit.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts. Thank You XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXXXXXX XXXX XXXX XXXXXX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name : XXXX/DOFED : Account Number : XXXX Account Name XXXX XXXX/DOFED : Account Number : XXXX Account Name XXXX XXXXDOFED : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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  XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

This is a complaint against Newrez LLC / Shellpoint Mortgage Servicing. Newrez LLC XXXX Shellpoint reroutes envelopes containing payments to different mailboxes in different zipcodes ( other than the ones printed on detach and return with payment statements ) causing delays and generating exuberant and unfair late fees for timely payments. ( {$61.00} late fee ). 

Shellpoint directs consumers to send payments to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Attached ) Shellpoints claims that it does not charge late fees for payments received before the XXXX of the month for payments due on the XXXX of the month. 

( Attached ). 

Shellpoint has consistently delayed the receipt of payments by marking payments as received days later generating exuberant late fees in the amount of {$61.00}. In fact, it appears from the tracking information by USPS, that Shellpoint reroutes its mail to different mailboxes ( not the mailboxes printed on the invoice ) and causes intentional delays to generate fees including late fees. 

Attached is the detach and return with payment statement for XXXX payment which shows zip code XXXX. 

Attached is the properly addressed label for a payment envelope to be delivered to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Attached is the USPS tracking information for tracking number XXXX XXXX XXXX XXXX XXXX XXXX showing Available for pick up on XX/XX/year> but then rerouted to XXXX XXXX ( not the zipcode printed on the invoice/statement ) the next day with a subsequent generation of {XXXX} in late fees. 

Shellpoint must mark the payments as received on the day the envelope reaches the mailbox as printed on the invoice and/or on the day the envelope with payment was available for Shellpoint for pick up. ( In my case on XX/XX/XXXX as per USPS tracking XXXX - no late fees to be generated ). 

Shellpoint must indicate the correct address for payments on its statements/correspondence and must not reroute envelopes containing payments to different mailboxes in different zipcodes causing delays/non receipts and enriching themselves with unfair fees. 

Please see attached and investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

A state tax lien on my record does not show my full social security number nor my date of birth. It also does not contain my address. As it does not contain the mandatory information required by law, I respectfully request that it immediately be removed from my credit report. I have filed two disputes in the past with both credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made withou my consent. According to section 604 of FAIR CREDIT REPORTING TO SECTION act ( 15 U.S.C168 1B ), THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT REPORT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACC XXXX XXXX XXXX acount number XXXX
Product: Credit card or prepaid card

So me and my partner work together buying and selling items. I have been providing cash flow, swiping my credit cards and we have paid off all the balance all time for years. 



Then I went to XXXX XXXX XXXX on XX/XX/2021. I leave the card to my partner to repay the bill. Last charge was authorized by me is in XXXX whch is already paid off. 



My card was charged relentlessly on XX/XX/XXXX XXXX and XXXX with no fraud alert. Until I checked my online account on weekend that following week and found out the issue. I asked my partner and he said he didn't use the card. I filed a police report in my town and was told to submit a report on this website. 

XXXX total charges is {$8500.00} Amex total charges is {$140000.00} XXXX Please advise.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXXXXXX XXXX - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019, my XXXX  XXXX  XXXX  XXXX, was placed in collection with XXXX XXXX XXXX. XXXX made me a settlement offer that was unacceptable. I offered a settlement of {$750.00}. ( check # XXXX for {$500.00} and check # XXXX for {$250.00} ) in the memo field of both checks, a notation, " PAID IN FULL " was written. 
this debt is still reflected as open on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX viewed my TransUnion credit report on XX/XX/2017 and XX/XX/2017 without my consent or knowledge. 
XXXX XXXX XXXX via XXXX viewed my credit report on XX/XX/2017 without my consent or knowledge. I have contacted them directly and TransUnion disputing these inquiries and they never take any action to investigate or remove these inquiries. Therefore I am asking for them to investigate these inquiries to provide me with documentations bearing my signature that I have authorized or at least known about them viewing my consumer report otherwise, I am asking that they remove these inquiries from my TransUnion file.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction and file a complaint regarding the recent attempt to remove fraudulent items from my account. I believe that the process undertaken to rectify the situation has been unsatisfactory and warrants further attention. 

I discovered unauthorized and fraudulent transactions on my [ credit card/bank statement/account ] issued by your institution. Immediately, I contacted your customer service department to report the fraudulent activities and requested assistance in removing these unauthorized charges. 

While I appreciate the initial responsiveness of your customer service representatives, the subsequent actions taken to address the issue have been inadequate. I expected a swift and effective resolution, but the process has been marred by incomplete information. 
Additionally, I am concerned about the lack of transparency in the communication throughout this ordeal. Timely updates and clear information regarding the steps being taken to rectify the situation would have greatly alleviated my anxiety. Unfortunately, the information provided has been insufficient, leaving me in the dark about the progress of the investigation. 

I am requesting a thorough review of the handling of my case and a comprehensive explanation of the steps taken to address the fraudulent transactions. Furthermore, I insist on a detailed plan outlining how your institution intends to prevent such incidents in the future. 

As a customer, I expect and deserve a higher standard of service, especially when dealing with issues as critical as fraudulent activities on my account. I trust that you will treat this matter with the urgency it deserves and take the necessary steps to rectify the situation promptly. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX {$5200.00} XXXX XXXX {$10000.00} XXXX XXXX {$3600.00} XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX notified me that I had changed my address. I had NOT XX/XX/XXXX received credit card in the mail I had NOT applied for XX/XX/XXXX Credit card company resolved this XX/XX/XXXX Mail is still being returned and forwarded to incorrect address XX/XX/XXXX to present Credit card companies are changing my mailing address to the FRADULENT XXXX XX/XX/XXXX credit reporting agency notified me that a new address is associated with my SS # XX/XX/XXXX credit reporting agency notified me that a new address is associated with my SS #