23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, I received a notification from Privacy Assist ( XXXX  : XXXX  ), a service I pay for, with an alert on my credit report. The alert indicated that I had a credit card debt with CAPITAL ONE that appeared on my XXXX credit report. 

I followed up to create an XXXX account and found the credit report alert. I proceeded to call XXXX for more information about the alert, and they saw that there appeared a credit card to the name of either XXXX, XXXX, or Fransua* ( can't recall well the third name ) with the last name XXXX XXXX I told the XXXX representative that my full name was XXXX XXXX XXXX XXXX. Since I'm XXXX XXXX, and in our culture, we use both our parent 's last names, they might find an account with the XXXX last names, never only using the XXXX. 

Based on the validation of my information, the XXXX representative saw that it might be an issue regarding an error of mixed accounts since there were multiple similar names, and I have never lived in XXXX, where the account appeared to be registered. Ive lived all my life in XXXX XXXX and in my actual home for the last 12 years. After checking this information, she told me that there was a chance It might not be an identity theft issue, but she had to pass the call to the fraud team, which she did. 
The following representative who attended the call validated all the information again and told me that they would open an investigation and that I should follow a few steps to complete it, which brought me to write this email.
Product: Mortgage

For almost 3 years, Shellpoint mortgage has been trying to foreclose on my home without cause. They do not post payments to my account, raise the cost of the monthly payment without notice and then they cash my checks and again, do not post the payment. I received a notice that I have until XX/XX/XXXX to pay what is due, they claim that I have not paid since XX/XX/2023, however I have cashed checks from my XXXX  XXXX account stating that they have cashed them on time every month. They have just refused to apply this to my account. This is the 3rd or 4th time that they raise our rate and then refuse to notify me about it & then claim that it is past due while they have no problem taking my money. I have just submitted a check in the amount of {$300.00} which is the monthly difference between my old cost of {$1600.00} and the new cost of {$1700.00}. I will be finding a lawyer immediately to stop this once and for all. I am a XXXX, just trying to hold onto my home in a poor economy and they just want to steal from our family and cause headache after headache. Enough is enough from this company! XXXX payment has been mailed as well for the full amount and the unknown shortage was sent as well. Tracking for that payment is XXXX XXXX XXXX XXXX XXXX XXXX with USPS XXXX to their overnight facility and is attached in the documents, along with the cashed checks from Shellpoint from my XXXX XXXX Account.
Product: Money transfer, virtual currency, or money service

I initiated a money transfer to XXXX around XXXX pm of XX/XX/XXXX, I also paid the {$3.00} fee for the fast service ( " XXXX XXXX '' ), but till now XX/XX/XXXX my money is still not delivered. The attached screen shot is from the confirmation email I received from them confirming it would be delivered on XX/XX/XXXX. 

I contacted them many days, their customer service representative in XXXX put on loud back ground noise, they also put me on hold and all kind of ways you can imagine to delay my inquiry. 

I called their XXXX office, also they were lying saying will be delivered in XXXX business days... 

I don't know what's going on with them lately, I've been using their service and normally its delivered in the same day, but now it's over XXXX week and my money was long deducted from my bank... 

Btw in the mean time I used other application and it arrived in a minute, so this confirms my bank and the recipient bank does not bear the blame.
Product: Mortgage

SLS with malice and intent after I contacted the tax office TO FIND OUT WHY MY TAX PAYMENTS were being returned and also refunded.SLS was receiving refunds because they made tax payments that were not correct.I reported them to CFPB because I could not get them to stop with charging fees that were not due.Paying tax amount that was not due.The proof is in the letters from XXXX XXXX XXXX.SLS refused to resolve .EVEN AFTER THEY ADMITTED IN XXXX XXXX XXXX XXXX XXXX  .SLS STILL ISSUED A 1098 SAYING THEY PAID {$2000.00} IN TAXES.SLS told CFPB they paid {$1700.00} XX/XX/XXXX and {$750.00} XX/XX/XXXX TOTAL {$2400.00} .SLS admits to {$700.00} refunds CFPB XXXX saying any other refunds they will forward to new lender they transfered loan XX/XX/XXXX ( I have the letter ) SLS SLS refused to correct the file with charges that when XXXX XXXX XXXX received the loan they reversed the FRAUD CHARGES, ONE was put in as a priciple curtailment of the loan.OTHERS WERE CHARGES TO TRANSFER TO INVESTORS XXXX also insited on payments that were not due refusing to accept canceled checks .SLS knew in XXXX XXXX XXXX XXXX XXXX XXXX was sending another refund {$640.00} SLS sent it back to tax office un cashed ( when they knew it was issued to them ) after they assured CFPB any other refunds they would transfer.Tax office reissued {$640.00} SLS cashed it XX/XX/XXXX SLS sent me a 1098 showing they paid taxes XXXX of {$2000.00} IMPOSSIBLE {$2400.00} was the lie thay told of paid taxes XXXX - {$700.00} ( admitted to CFPB ) {$1700.00} - {$760.00} paid by XXXX phone to XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX {$1300.00} payment - {$980.00} mortgage payment {$610.00} left XXXX REFUSED THE REFUND SENT TO THEM XXXX  NOT CASHING UNTIL XX/XX/XXXX So the 1098 sent to XXXX YOU HAVE A COPY ALSO I GAVE YOU XXXX  1098 SO YOU CAN SEE THE TATICS USED ON ME AND THE IRS THIS IS WHY THEY MANIPULATE XXXX LOAN TO GAIN FEES AND GET TAX CREDIT FROM IRS THEY DO NOT DESERVE I ALSO SHOWED FROM THE TAX OFFICE PROOF SENT TO THEM EARLY XXXX XXXX  IT ALSO SHOWS THE {$54.00} I PAID IN XXXX THEY REFUSED EVEN WITH TAX OFFICE AND ME THE STILL DID NOT CHANGE THE 1098. 
I HAVE PROOF OF my tax payments and the refunds i received because of their interferance ... ... .done with full intent to defraud
Product: Debt collection

I received a collection letter on XX/XX/2022 from Jefferson Capital attempting to collect a debt, I responded back to the letter within 30 day requesting validation of this alleged debt. Jefferson Capital response was to file a FTC report.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$610.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my dispute letters over 30 days ago. The companies listed below have failed to respond and they are in violation according to 15 USC 1692. I did not give my written consent to disclose these things on my credit report according to 15 USC 1681 this is a violation. These accounts should be blocked and removed from my credit report. I have sent my FTC for these fradulents accounts.
Product: Debt collection

I am submitting this formal dispute regarding an alleged debt that Portfolio Recovery Associates claims I owe. I received a notice from Portfolio Recovery Associates concerning this debt, but I believe this claim is either inaccurate or lacks sufficient verification. 

I have attached a debt verification letter to Portfolio Recovery Associates, requesting detailed information to validate the debt, including : 1. Proof of the debt and detailed breakdown of the amount owed including the complete payment history. 

2. Date of last activity 3. My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.

4. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

5. Verification of Portfolio Recovery Associates ' legal authority to collect this debt. 
- obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim that I owe. 

6. Proof of photo identification ( i.e. drivers license, state identification card, or other government issued card ) that was presented to you at the time of agreement. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information before any collection activity continues. 

I respectfully request that the CFPB assist me in resolving this issue, ensuring that Portfolio Recovery Associates ceases all collection activities until the debt is properly validated. Additionally, I request that any adverse reporting related to this alleged debt be removed from my credit report until full validation is provided. 

Thank you for your time and attention to this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX Ct, XXXX XXXX XXXX, VA, XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Debt Validation and Removal of Opp Loans/FinWise Debt Collection from My Credit Report Dear TransUnion, I am XXXXriting to formally dispute the Opp Loans/FinWise debt collection account currently listed on my credit report. In the past, I have opened multiple disputes regarding this account, and each time I was informed that the matter had been thoroughly investigated. However, I am now aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX for failing to properly investigate consumer disputes. Given this development, I am compelled to challenge the validity of your prior investigations. 

I have also filed a dispute directly with the CFPB regarding this matter. I am requesting that TransUnion validate this alleged debt by providing all original documents, including any agreements or proof of ownership of the debt, as required under the Fair Credit Reporting Act ( FCRA ). The amount on the account is also incorrect, the information states the loan that was taken out from this company was a total of {$900.00} but it shows now on the charge off a total of {$1300.00}. If TransUnion can not verify the accuracy and legitimacy of this debt, I demand that the XXXX XXXX debt collection account be deleted from my credit report immediately. 

The continued reporting of unverifiable or inaccurate information on my credit report is unacceptable, as it negatively affects my financial standing. I expect TransUnion to conduct a fair and thorough investigation into this matter and provide me with written confirmation of your findings and any actions taken to correct my credit report. 

Thank you for addressing this matter promptly. I expect a response within the 30-day timeframe mandated by the FCRA. Should you require further information or have any questions, you may contact me directly at XXXX or XXXX. 

Sincerely, XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I received a notice from Stride Funding that they needed official documentation to assess my current income. In that notice, they stated that I can mail them a copy of my XXXX XXXX XXXX XXXX, so I printed out a copy and mailed it to the address as requested. However, when I logged into my account on XX/XX/XXXX, I noticed that my income was incorrectly listed as {$95000.00}. I sent them a message through their online portal to let them know that this was incorrect. However, the very next day on XX/XX/XXXX, I received a billing notice for a monthly payment based on that incorrectly listed income. I called them on XX/XX/XXXX to get this corrected and spoke to a representative, who told me that they had no documents on file for me ( although I had mailed them a month prior ) and that since I emailed them a document, it would take 10 business days to process this income update request. However, in case things are not updated in time, if I did not pay the billed amount, I would be charged a late fee of {$25.00}. I told her that I did not think this was fair, and it didn't seem legal for them to falsely report an incorrect income amount on my account. She stated that my contract states that this default amount would be listed in absence of income information ( which was not true- I checked all the documents of my XXXX agreement and that amount was nowhere stated. The representative also acknowledged later that she did not see that amount stated on my XXXX agreement as well ) and that they state {$95000.00} for all of their clients under this specific loan that do not provide income information. I asked to speak with her manager, but as it was the end of the day, she said none was available. I asked if she could send a message to her manager on my behalf and ask for a callback, to which she said she could, but there was no guarantee that the managers would call me back. According to her, she had messaged managers before and they usually don't call back or will say the same information that she provided. This feels negligent on the part of Stride Funding, and I wonder if this is mishandling my contract as well.
Product: Mortgage

I contacted Midland Mortgage company in XXXX for a payoff statement, when I received the statement I had questions about some of the charges listed on the statement. the charges was over XXXX XXXX dollars with no line item description on what the charges was for. I called and spoke to a representative that told me they will get back to me with the information. After waiting a week, I called back and was told, they could not provide me with the information in the time they told me and transferred me to another department that could help me. The lady I spoke with said she do not understand why I was told they couldn't help me or provide me with the information because it is possible but it would take 24 hours. It has been 3 weeks and I have not been contact by anyone from the mortgage company. I even wrote an email to the Vice President on XX/XX/2022. My complaint was they claim they charged me {$20.00} every time they could not verify occupancy. They claim the charge is because they had to send someone to my house over 83 times. I told them at no time did anyone come to my home to ask me o my XXXX  children if I was home or occupying the home. During the years of XXXX and XXXX I was working from home so I know for sure that no one never came to my home. I was asking them to refund me my money and no one never go back to me. All I want is my money back for those charges and other charges that they can not explain that was listed on my payoff statement and was paid during the sell of the home on XX/XX/2022 I will be attaching the payoff statement and the charges in question is described as fees currently assessed. These at supposed to be several different charges that they can not explain and will not explain.
Product: Credit reporting, credit repair services, or other personal consumer reports

AD ASTRA REC ( Original Creditor : 12 SPEEDYCASH COM XXXX TN ) is reporting a collection to my credit report that I am not liable and that I have no knowledge of from their company. 
XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of - {$710.00}. Last reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX shows open date as XX/XX/XXXX with a balance of {$710.00}. Last Reported- XX/XX/XXXX Date Last Active : XX/XX/XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. They refused to remove this account, and they also failed to provide validation of this account when I inquired for validation not verification of this account. 
XXXX : Date open date shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX : Date open shows XX/XX/XXXX. Last Reported : XX/XX/XXXX Date of last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX XXXX  is reporting inaccurate information on my credit report, and I would like them to remove these accounts from my credit report immediately. 
XXXX : Date open shows XX/XX/XXXX. Last reported on : XX/XX/XXXX. Date last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX  : Date open shows as XX/XX/XXXX. Last reported XXXX. Date last active shows XX/XX/XXXX. Date of last payment : XX/XX/XXXX. 


XXXX : Date open shows XX/XX/XXXX. Last reported on : XX/XX/XXXX. 
Last date active : XX/XX/XXXX. Date of last payment : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write todispute certain items in my file resulting from the crime. The items I am disputing do not relate to anytransactions obtaining any possession of goods, services, or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from the alleged identitytheft. The following items listed below are unknown to me. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance : - ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$160.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : - ; XXXX XXXX  XXXX  ( Original creditor XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$350.00} ; XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$240.00} ; XXXX XXXX ) Original creditor XXXX XXXX XXXX ) XXXX Date opened XXXX XXXX Balance : {$710.00} ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXXInquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX ; XXXX Inquiry : 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 Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Checking or savings account

I had requested to close my account on XX/XX/XXXX and the rep told me that the remaining balance will be mail to me. I called on XX/XX/XXXX to check the status of the check and the rep said it was mailed on XX/XX/XXXX and I should be receiving it before XX/XX/XXXX. I called again on XX/XX/XXXX to informed them that I didnt receive my check. The rep told me that Ill need to wait and if I would like to have a replacement check then itll be a fee for it. I was asking the rep if theres any tracking number to see wheres the check. The rep stated that I didnt ask for 2-day express or overnight delivery so she wont be able to track. I asked her what if the check is lost or someone took it, I still need to pay for the replacement? She said yes, this is the only option. It just doesnt make sense that they didnt ask if I would like to pay extra for mailing it with tracking number and told me no matter what Ill need to pay an extra fee for the check. As you can see from the attachments, shipping options was never being offered.
Product: Credit card or prepaid card

I reached out to XXXX/COMENITY/VICTORIA in regards to missed payments from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX till XX/XX/XXXX at the time I was confused due to a representative telling me my account was paid in full on XX/XX/XXXX upon speaking with a representative in XX/XX/XXXX I paid my account in full I was told my missed payments would be removed because of the fact that I never had access to my online account I never even got a card and the representative in XXXX told me my account was paid in full. When I noticed the payments still hadnt been updated as agreed upon I reach back out to the company letting them know I would reach out the https : XXXX in regards to starting a complaint my account was shut down. In XX/XX/XXXX this is the second time the company shut down the account with no warning and perfect XXXX history the first time was in XXXX and I had to call multiple times to get my account information reported accurately
Product: Credit reporting or other personal consumer reports

I called TransUnion on Monday, XX/XX/year>, on or around XXXX pm or XXXX pm PST. I spoke to a male supervisor in XXXX XXXX. His name sounded like XXXX. He confirmed TransUnion received my Federal Trade Commission Identity Theft report 5 business days ago. He said it will be a 30 day investigation. I asked him to block the fraudulent tradeline pursuant to the federal Fair Credit Reporting Act section 605 B. He refused and said thats not how it works and it has to be a 30 day investigation. He said TransUnion does not block fraudulent tradelines and only the data furnisher can. This is a false and misleading statement. In addition, he was rude and continued to interrupt after I asked him not to. This is egregious. Please block the fraudulent SUNBIT charge-off tradeline that is the result of identity theft/fraud. I am a victim of identity theft including the XXXX data breach. I seek to hold TransUnion accountable for certain federal and state consumer law violations. If this item is not blocked from my credit file, I will retain an attorney and file a complaint with my attorney generals office to consider a multi-district class action lawsuit if this a pattern and practice with TransUnion. Criminal and civil claims will be pursued.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute didn't get back response beside the point its a company card that i was never a pert off
Product: Credit reporting

I have been disputing a public record since XXXX 2012. I do not know the supplier is with Equifax or others. I would have contacted them directly to remove the false record. When I successfully had another bureau remove it I had assumed all other reporting agencies would follow suit. I fear I am only requesting removal from the known XXXX bureaus and others may still maintain this falsehood. 
I am requesting this bureau to notify their supplier after they remove it from their records and XXXX other reports that should be removed or are no longer reporting a settled account. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX