23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received my 1099 G for XXXX which showed I was charged in excess of {$85000.00} in interest
Product: Credit reporting, credit repair services, or other personal consumer reports

In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXXL XXXX XXXX XXXX XXXX ) -, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX,
Product: Debt collection

XXXX XXXX XXXX closed my business cell phone account & released a letter, XXXX-16, that my balance on such account was {$0.00}, They then turned my account over to a collection agency, XXXX XXXX XXXX, for {$310.00}. I contacted them and told them i did not owe this. Now I am getting bills for {$310.00} from another collection agency, Diversified Consultants. I called them but they hung up on me. This last one has now gotten private information from some data base and is calling my son who has no relation to this problem at all. He has not lived at my address for 20+ yrs. They have invaded my and his privacy. I need help and will have to get an attorney if this is not cleared up. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and the company isn't recognizing that and asking me to pay them back in full. I have substantial proof that I didn't do it and I would be glad to send you that proof as well. And it's reflecting on my credit score as if I owe this when in fact I was a victim.
Product: Debt collection

I am receiving repeated calls from Affiliate Asset Solutions. I have made repeated requests for them to tell me exactly why they are calling. They will not tell me the caller 's name, the reason for the call and I have also made requests for any demands to be mailed to me, yet I have received nothing in the mail. They will not tell me amounts, creditor, etc. - nothing. I have no knowledge of ANY outstanding debts, I have checked my credit report and nothing indicates any delinquent debts on my credit reports, I have not received any notices from any creditors, etc. and all of my bills for my personal and business use are current.
Product: Debt collection

JH Portfolio is reporting a debt after I have submitted my identity theft report and formal statement/dispute. I have taken the steps to correct this matter but have had no success with this collection agency. This is a violation of the FDCPA and FCRA. Ive been very patient and is now past upset that they continue to cause me damages for something I did not do. I don't know who used my information but I want this matter corrected ASAP
Product: Credit card

On XX/XX/XXXX I made a payment to Capital One card for {$740.00}. I was traveling out of town and needed to rent a car. The funds were taken from my account on the morning of XX/XX/XXXX. Upon arriving at my destination, I realized that the payment had not posted. I made several calls to Capital One asking to post payment. It took three calls for them to advise me that payment will not post until XX/XX/XXXX. I was left stranded in a city with no way to rent a car.
Product: Mortgage

On XX/XX/20 I called into Shell Point Mortgage to ask about an property tax refund that was in the escrow account sinceXX/XX/20 ( {$8500.00} ).  They said that they would take care of it and send me a check right away. I hear and see nothing for weeks so go through their chat service on XX/XX/20. They said they had to evaluate the escrow balance and then send the surplus. I get a mail response on XX/XX/20 saying that they will refund me {$7700.00} and that the check was included in the piece of mail. It was not. They included a sample fake check which I can not cash. I send them another message on XX/XX/20 but it's an email since their hours of operation are closed ( no phone, no chat ). On XX/XX/XXXX I receive a letter in the mail saying " due to the complex nature of the matter '' that they request more time to fully respond to my inquiry. The letter was dated on XX/XX/20. Shell Point Mortgage has repetitively put off giving me my money and has held onto it for 2 months. They had it for a month and didn't mention anything to me or send a refund.They said they sent a check and the account says it's gone, but they didn't send a check and instead send a fake sample check. They are avoiding paying me and paying me interest since there is no check and they are hoping I don't notice and they have to send a new check. They are abusing me and my money. NewRez LLC dba Shellpoint Mortgage Servicing XXXX. XXXX  XXXX XXXX, SC XXXX Main Office NMLS ID # XXXX NewRez LLC dba Shellpoint Mortgage Servicing XXXX, TX XXXX XXXX XXXX ID # XXXX I filed a compliant on XX/XX/2020 to get this issue settled. They actually responded within a week and denied me any compensation for my time or interest on my funds. They said a real check was mailed separately and must of been lost ... They offered to send my funds via ACH and I accepted. I provided my information and they acknowledged to me that they sent it on XX/XX/2020. It's been a week and the funds are still not there. They closed my previous case without any communication to me if I they should close or if I received my funds ( which I did not ). 

Shellpoint has shown that they systemically mislead their customers into believing they will get their funds and have a system to deny and delay actually doing so. They have held my $ XXXX dollars for over 3 months and have wasted hours of my time while stealing interest from their customer while claiming they are processing my request but they systematically withhold my funds with each escalation and step.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 - I was trying to pay my mortgage for Bank of America online and a pop-up came up saying there was a breach from XXXX and BOA was recommending for me to do a free credit check and to click on a link. I did and it went to XXXX XXXX website who said they would run a free credit check from all the 3 main credit reporting companies. I gave them my SSN, DOB, email, phone #, etc and then a page asked for my credit card. Then I believed this to be a scam. I'm concerned that I gave them my SSN/DOB. BOA should not allow me to be scammed thinking they were breached and going to that website.
Product: Checking or savings account

Complaint ID XXXX This Citi Bank is a joke! Just rec 'd their email again stating I was overdrawn by trying to pay 3 times. Not sure if they can read or listen to the recorded conversation I had on XX/XX/XXXX for approx 1 hour with their Fraud Dept person XXXX. XXXX, said they froze my account since the had an alert from a transaction back in XX/XX/XXXX. My concern is why did they 1 ) not catch it sooner & notify then 2 ) why 4+ months later freeze my account without even a phone call or notice. Which caused me great embarrasement trying to pay my real estate dues since my card was declined 3 times! There was more than enough funds to cover the & {$710.00} the 1st time had not the Fraud Dept held my money. Typical of Citi to blame the Customer. They did this when they paid my mortgage check 3 times with the same check/amount. I'll enclose the info from that issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted the 3 credit bureaus numerous times about the accounts that need to be deleted are showing on my consumer report and every time they refuse they are breaking laws and damaging my reputation without my consent. -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 -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. the accounts i am talking about are listed below : inquiries : XXXX XXXX accounts to delete : XXXX XXXX- acct # XXXX, XXXX XXXX- acct # XXXX, XXXX XXXX acct # XXXX addresses to delete : XXXX XXXX XXXX XXXX  ohio XXXX XXXX XXXX XXXXXXXX XXXX ohio XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting

I have attempted to fax the number I was given to from Chex-systems to send in a copy of the police report that I have filed with the XXXX County Sherrifs office and the fax continues to ring busy. I was denied opening a checking account based on fraudulent information reporting and it is very important that this matter gets resolved immediately I called the customer service number who recommended me mailing the information to their address but I need this matter resolved yesterday. I am attaching what I have attempted to fax to them on several occasions but continue to have issues.
Product: Credit reporting or other personal consumer reports

My information with Equifax has been breeched and I have attached proof. 

Equifax refuses to delete the following accounts : XXXX  Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXXXXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXXXXXX XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX XXXX Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX. The original creditor is XXXX XXXX XXXXXXXX XXXX 
Account # XXXX XXXXXXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

XXXX. The original creditor is XXXX XXXX. 
Account # XXXX FDCPA Section 807 Violation Misleading False Reporting. 
This account is inaccurate and I am seeking litigation. Please delete it at once. 

PLEASE DELETE THESE FROM MY CREDIT REPORT IMMEDIATELY AS I AM A VICTIM OF ONE OF THE LARGEST DATA BREACHES TO THIS DAY.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following negative items on my credit report. 

Equifax : 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Midland Funding had attempted to collect money on a debt that I did not owe. Charges were put onto my account that did not belong to me. I asked Midland to provide me with documentation that I received the services for the debt owed. Midland did not provide that information. They filed a lawsuit in court agaisnt me but never showed up for court. The Judge dismissed the case. They are still trying to collect the debt and will not remove the negative information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for this to be removed off my credit reports and nothing has been done. It says that I lived at XXXX XXXX XXXX XXXX. XXXX IL XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I never have and the City of XXXX is doing this to me I've tried to get to the Mayor XXXX XXXX because of the scandal that the City is doing to me and placing this on my credit report. I've never worked at XXXX, I've never had XXXX nor XXXX nor XXXX XXXX they also had me paying for parking tickets that were not mine.
Product: Mortgage

Our original Loan was XXXX after a couple of years of going back and forth and holding the Mod for a number of unfounded excuses they finally agreed to the DOJ/Mod but before anything could be done XXXX Transferred my loan to SPS on XX/XX/XXXX after a few months of the same with SPS we were finally sent a DOJ/Mod approval on XX/XX/XXXX we made our 1st initial trial payment and noticed that the amount of salary that was used to calculate my salary was wrong at more than double my true salary on XX/XX/XXXX we wrote to SPS and advised them of the issue the SPS rep assured me that i had the wright to dispute but to not stop making the other 2 trial payments after about 2 moths after I paid the final trial payment I was told the investigation was complete and it was correct under the advisement of the SPS rep I was told that I could simply refuse the DOJ/Mod and start a new one since I could not accept the first one because if I had accepted this I would be committing perjury and Fraud a my salary has never been {$10000.00} monthly. on XX/XX/XXXX I sent in my XX/XX/XXXX XXXX XXXX XXXX and on XX/XX/XXXX I called SPS and was told once more by the SPS Rep that if I did not agree I could dispute this once more on XX/XX/XXXX I received a letter to inform me that since on XX/XX/XXXX I did not agree then I could not qualify for the DOJ/Mod principal forgiveness program, I received foreclosure documents and my Lawyer has been able to stop the sale twice but I just find this very fishy that I was approved at a higher salary which was not true but at the corrected one I did not qualify for, I believe this is Fraud and it needs to be investigated to prevent this company to do this to anyone else even if I have to loose it all I will keep voicing my right as I did everything that was asked of me.
Product: Credit reporting

Yesterday I applied for a home loan but was turned down because of XXXX negative entries on my Experian credit report. And I have not been able to get my FREE annual copy of my Experian credit report either.
Product: Mortgage

On XXXX XXXX, 2017 I received a Service Transfer letter from SPS ( Select Portfolio Servicing , Inc. ), stating that my refinanced mortgage account would be transferred to them from the previous servicer, XXXX. I thought this was great since I had written an abundance of complaints to CFPB about the egregious and criminal acts committed against me by XXXX. I researched SPS, and although the company did not receive good reviews at all, I thought that the change would give me a corrected, fresh start. I called SPS and spoke to a representative to get my new account number and she explained several ways I could make my XXXX payment. I was not waiting for the payment vouchers before paying my first and consistent payment for XXXX. I saw in one of the reviews that another new client waited and was sadly penalized. I was told to pay a little over {$640.00}, because I had an unapplied balance from my previous XXXX account. I discussed with the SPS representative that I would be making the payments by XXXX XXXX quick collect at the end of the month, by the XXXX, and the representative gave me the information needed in order to send the payment. I was told that I didnt need to call after I made the payment to SPS, that SPS will see the amount paid and apply the unapplied funds amount to complete the XXXX payment. I also discussed with the representative that the amounts derived by XXXX ; which led to the complaints to CFPB and led to my account being transferred to them ( SPS ), were erroneous. The representative documented and explained that our conversation would be investigated and the investigation would take up to 60 days after which I would be notified. Right after SPS processed my XXXX payment I received a confusing notice. Although SPS just received my account in the middle of XXXX AND SPS is still investigating the payments made to XXXX, SPS put my account in Default status??? Then in addition, I received a statement dated XXXX, after already making my first payment in full with SPS in XXXX. They have no listing of the payment I made AND the combining of the unapplied funds amount on the website. The statement reads : Loan Due Date XXXX Payment Due Date XXXX Amount - {$3200.00} Late Fees - {$390.00} How???? My monthly payment is less than {$940.00}. I have conformation of the payment for XXXX as paid. I pray Im not in another XXXX type company Please dont let that be.. Please Help AGAIN??? Awaiting Your Response, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX
Product: Checking or savings account

So I was billed {$1100.00} in 24 transactions in a matter of 2 1/2 hours of being in the air while flying XXXX XXXX on my business account I have since taken all my money out of the state and its been 3 1/2 months of fighting them for fraud and Im already proved it was all unsolicited and its taking so long to get my money back but I think now theyre fraudulent holding my money from me. 
So on XX/XX/XXXX I was in the middle of flying to XXXX XXXX with my business account thank XXXX I took all the money out of the savings account was hit by XXXX for the amount of over XXXX dollars.
Product: Debt collection

It has come to my attention that CHASE CARD/JPMCB CARD, creditor and debt collector as defined according to 15 USC 1602 a ( g ) and 15 USC 1692a ( 6 ), has violated my rights as a consumer under Title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act and 15 USC 1692, Fair Debt Collection Practices by misinforming me about the use of my credit, invading my privacy and by providing abusive and unfair debt collection practices. 

On XX/XX/2016, I entered into a consumer credit transaction with Chase Card/ Jpmc Card. After some years, I began to find out that I had, in fact, been violated by this company, and Chase Card/JPMC Card had infringed upon my consumer rights. After learning about the horrible truth on XXXX, I issued a cease and desist letter to Chase Card/ Jpmc Card for the discovered illegal acts being taken against me, the natural person, and the original creditor. Inside this notice, I informed Chase Card/ JPMC Card. This notice serves as documentation that I am disputing the validity of this debt according to 15 USC 1692c ( c ) and that this consumer credit transaction with CHASE CARD/ JPMCB CARD. 
This resulted in this account : XXXX, which is under an open-end credit plan, was used unauthorized by CHASE CARD/ JPMCB CARD, which resulted in identity theft according to 15 USC 1602p and 18 USC 1028a ( 5 ).

Along with exhibits, documentation, Identification, and laws showing how and when I was violated.

Within my cease and desist, I have clearly informed Chase/Jpmc of the consequences of the failure to comply with my cease and desist demands that will result in legal judgment being brought on Chase/Jpmc. Accordingly, and informing Chase/Jpmc that their actions may be held criminally liable according to 15 USC 1611 and civilly liable according to 15 USC 1640 and 15 USC 1692k.

Chase Card/ Jpmc Card did not clearly and inconspicuously disclose my right to rescind to me at the time of entering this consumer credit transaction.

All exhibits and documentation that I sent to Chase/Jpmc have been sent via certified mail along with this complaint to the CFPB. 

And litigation will follow if ALL my demands are not met.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person
Product: Mortgage

Ocwen Mortgage serviced my loan # XXXX between XXXX - XXXX. 
Property address is : XXXX XXXX XXXX # XXXX, XXXX MA XXXX. 
Then it was transferred to another servicer XXXX in XXXX. 
Expected that account is closed as of XX/XX/2013. 

I just got a Credit Report and Ocwen shows as OPEN, but should have been CLOSED back in XXXX. 

Called Ocwen customer service on XXXX twice between XXXX - XXXX XXXX. They were unable to find my account by loan # or SSN # since account has been Closed. 

Now I am stuck with Loan showing OPEN which hurt my Credit Score since I am trying to obtain a new Loan. 

Matter is URGENT and requires an immediate assistance in resolving as soon as possible. 
This account should be Closed. 

please see credit report attached Thank you XXXX
Product: Checking or savings account

US bank sent official letter to our family informing their our closing our accounts without much notice, prior communication and when requested reason several times, they declined to give us any explanation. Furthermore, they closed our credit cards prior to date referred in the letter and without any prior communication. We always had our accounts in good standing and paid our bills on time.