23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Credit reporting or other personal consumer reports

While reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies. These are the following incorrect information reporting : Reporting in Equifax : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Reporting in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXXXXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXXXXXX XXXX Reporting in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX  XXXX
Product: Checking or savings account

On XX/XX/2023 I disputed XXXX separate transactions with my bank ( Frost Bank ). The fraudulent charges were from XXXX and stores based in a different city from where I live. I had lost my card and so I canceled it. I got a letter in the mail last month stating that these XXXX transactions were denied as fraud and so the provisional credit was reversed. On XXXX my bank account was charged back three separate times in the amounts of {$140.00}, {$73.00}, and {$43.00}. I appealed this with my bank again but was denied on XXXX according to the last banker I spoke with today ( XX/XX/2023 ). I never received this information and since I want to appeal it again I have to wait till Monday when the Fraud Department is in the office. I am pretty sure my ex used my card and made these purchases, I don't understand why my fraudulent claims are being denied. I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to XXXX XXXX and the credit reporting agencies for months disputing the incorrect reporting that XXXX has put on my credit reports. XXXX is reporting late payments for months after my account with them was paid in full and closed. I received letters from XXXX stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to XXXX to be sure that they received it. I have written to XXXX XXXX dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). XXXX absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. I have disputed this with XXXX, XXXX, and Equifax. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
Product: Credit card or prepaid card

I entered a financial relief program ( with American Express to help pay off my {$30000.00} American Express Gold Card, program started XX/XX/2020 ) I was told by American Express that my interest rate ( exuberant ) was going to decrease, with two months of grace period without reporting unpaid bills. I RECEIVED CONFIRMATION VERBALLY AND IN WRITING THAT MY CREDIT LINE WAS NOT GOING TO DECREASE. This is significant for me because I am in a financial strain. 
I made the first payment according to the plan, but the second payment was returned by my bank due to insufficient funds. I rectified the situation, then the second payment was processed three days after the first one was returned. THE AMOUNT OF {$730.00} WAS ALL THE MONEY I HAD. I PAID AMERICAN EXPRESS BILL AND WAS WAITING ON MY AVAILABLE CREDIT TO REFLECT THE PAYMENT SO I CAN PAY FEES FOR MY XXXX XXXX EXAM, RENEW MY CAR REGISTRATION, AND PAY MY FOR MY PRESCRIPTION MEDICATION. I CALLED AMERICAN EXPRESS ON FRIDAY XX/XX/XXXX, and was told by AMEX representative XXXX ID XXXX that Amex decided to decrease my credit line the night before. I explained to XXXX the situation, and he transferred me to XXXX ID XXXX  XXXX. I verbalized my frustration to XXXX because Amex decided to modify their agreement WITH COMPLETE DISREGARD TO MY FINANCIAL NEEDs. I ASKED FOR THE PAYMENT TO BE REVERED SO I CAN AT LEAST PAY VERY NECESSARY BILLS IF AMERICAN EXPRESS REFUSES TO ALLOW ME TO USE THEIR CARD. AN HOUR CONVERSATION ENDED NO WHERE AND XXXX DECIDED THAT I ONLY HAD {$30.00} credit to spend. HE THEN ASKED TO GET AN OPPORTUNITY TO REVIEW WHAT THE AGREEMENT WAS AND TO GIVE AMERICAN EXPRESS FEW DAYS TO DO THEIR OWN INVESTIGATION.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

Our mortgage is currently held by Fay Servicing, a debt collector. We had some financial issues and as per their website and customer service, we applied for assistance through a loss mitigation form in XXXX. After countless back and forth for additional documentation the application was deemed final on XX/XX/XXXX and a notice was sent to us stating that they would make a decision within 30 days. 
We received word yesterday that out application for a deferment was denied and we are qualified for a short sale. This is not what we applied for. Now they are threatening foreclosure unless we pay 4 months mortgage in one lump sum to reinstate the loan. At no point in this process were we made aware that this was a possible outcome. 

After further investigation I see that this predatory practice was recognized by the CFPB and action was taken against Fay Servicing in XX/XX/XXXX. I urge you to look into their practices as it seems from our example that they are eager to have their customers foreclose on their properties.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account Transaction
Product: Mortgage

I am currently unable to make contact with my mortgage company in any way over the phone or online. I am currently behind on my mortgage and I have a plan to get current by XX/XX/XXXX, however I do not have the ability to tell my mortgage company this to stop the automated collection calls. When I answer a collections call, I am given an automated message to call their customer service number. When I call this number, the automated telephone system starts playing a message in XXXX that lasts several minutes, and I am unable to opt out to speak to a representative in any way. At the end of this message a customer service agent picked up the phone and immediately hung up the line during an opening statement. It takes me over 7 minutes just to get to that point due to the automated XXXX messaging I had to listen to. There is no option for me to make a payment in the automated system. Additionally, my online account became locked out and when I go through the password reset process, the site times out before the point which you reset the password. I tried this on multiple devices using the recommended browsers according to the website. So I can not access my account online or speak to anyone on the phone for an account that would normally be in foreclosure risk if not for moratorium protections right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two letters sent to Transunion on XX/XX/17 requesting investigation that written consent was granted for the 2 inquires in question. 

Follow-up several times via phone, with no resolution. Simply just requesting that Transunion remove the following inquiries from my credit report. 

See attached documents XXXX XXXX XXXX
Product: Debt collection

About month ago, I contacted XXXX XXXX on a new account. It sent me to a company called XXXX XXXX  XXXX by mistake. I was told that I owed XXXX on a XXXX XXXX credit card that was discharged in bankruptcy. The credit card was in my name only. I informed the associate of Portfolio that it was discharged in bankruptcy. They sent a letter to my ex-wife demanding payment of a XXXX XXXX card for XXXX. I discharged that debt in bankruptcy too. These debts were mine alone. My ex-wife lives in Colorado and so do I. I live in Colorado too and filed for bankruptcy in Colorado and our divorce was in Colorado. These 2 accounts were in my name only. The company is harassing my ex-wife to pay on a debt that is not hers. This was discharged in a bankruptcy court. The account is XXXX. The phone number of the Portfolio Recovery Associates is XXXX. This affect my kids and they are affected and could be stressed with this debt management collections tactics. The bill says on it " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report it for non-payment of it to a credit bureau. Depending on the laws of your state, certain actions, such as making a payment or promising to pay a debt, may restart the time period for the filing of a lawsuit against you ; but even if that were the case, we still will not sue you for the debt. ". I called on XX/XX/2018, and was told that XXXX dollars were owed by another Portfolio Recovery Associate because it affect my kids. I do not owe any money to XXXX XXXX, nor does my ex-wife because the account was under my name only. This debt was attached, once again to a bankruptcy and the company was informed twice of this. My bankruptcy attorney is working for another job and is not working as a bankruptcy attorney. This is why I am making my complaint to your organization. Please help! With warm regards, XXXX XXXX at XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA section 611, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any allegations that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your allegations are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately.
Product: Credit reporting or other personal consumer reports

This is my first request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am filing this complaint regarding Shellpoint Mortgage Servicing, which is attempting to collect on an alleged home equity line of credit ( HELOC ) account originally opened with XXXX XXXX XXXX. I never entered into any agreement, oral or written, with Shellpoint. They have not provided verified documentation showing lawful assignment, contractual privity, or authority to collect on this account. 

The original promissory instrument was signed with XXXX XXXX XXXX and then securitized. As is standard under the Federal Reserve 's Borrower-In-Custody ( BIC ) Collateral Program and outlined in Operating Circular No. 10, once a loan is pledged as collateral for liquidity or discount window access, it is treated as satisfied through monetization. This is supported by the Federal Reserve Act ( Stat. 38, Pg. 251-253 ), the BIC Guidelines , and the Federal Reserves Discount Window collateral documentation procedures. 

As a result of the securitization process, XXXX XXXX XXXX received value in exchange for the instrument. Shellpoint is now making claims as a third party with no proof of ownership, no wet-ink contract with me, and no evidence that the debt remains lawfully due. Their actions include : Attempts to collect on an extinguished obligation ; Reporting derogatory tradelines to credit reporting agencies; Failing to validate the debt when requested ; Ignoring the legal and financial implications of the original lenders securitization and participation in the BIC collateral pledge program.

These actions are deceptive and in direct conflict with federal policy governing credit instruments, collateralization, and borrower rights. I am requesting the CFPB to : Investigate Shellpoints conduct regarding collection and credit reporting practices ; Require Shellpoint to produce the full accounting of all collateralized and fractional reserve transactions tied to the original loan ; Direct Shellpoint to cease all collection efforts immediately ; Ensure that any negative credit information related to this account is permanently deleted ; Confirm that no valid debt remains under federal lending and collateral statutes, and that the original obligation was extinguished upon securitization.

Shellpoints conduct constitutes unfair and deceptive acts and practices under consumer financial protection laws. I ask the Bureau to take appropriate enforcement action and protect consumers like me from unlawful and misleading debt collection activities.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed or disputed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 


Thanking you, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a Title loan for repairs on my vehicle and paid interest totaling {$3400.00} for XXXX  months. I was laid off on XXXX and explained I couldn't keep making the high interest payments and I thought it was simple interest as per the person who initially had me sign the contract but none of the payments were applied towards the balance. The form they used is similar to auto finance form. the initial loan amount was {$3300.00}. In XXXX I had to pay {$640.00} to renew a new contract or they said my vehicle would be repoed. They said I could get a lower interest rate if I renew and nothing changed but they came out with a new contract for a XXXX month term and if I paid for 5 months the loan would be paid off. XXXX who helped with the new contract could not explain it to me on how it worked on XX/XX/year>. The did not apply any of my interest payments to the new contract terms that came out and this is unethical. My loan should have some kind of credit from previous payments from the old contract at minimum. I feel I was misled.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of my account which has been successfully paid in full and the creditor agreed to delete this account.
Product: Debt collection

On XXXX ARC Management Group LLC reported to XXXX I had XXXX account in collections for {$1900.00} dollars, I have no knowledge of said account and I do not owe ARC Management Group LLC anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from ARC Management Group LLC or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by ARC Management Group LLC are a clear violation of the Fair Debt Collections Act. I am requesting that ARC Management Group LLC removes this collection account from each XXXX of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX acct # XXXX {$7600.00} ; XXXX XXXX XXXX  XXXX acct # XXXX formerly XXXX XXXX acct # XXXX {$2100.00}, illegally pulled my credit report on XX/XX/XXXX, with my signature or the fact that I applied for a loan with their company ; XXXX XXXX acct XXXX XXXX sold to XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX {$3400.00} ; XXXX acct # XXXX {$170.00} ; XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX {$1800.00} ; XXXX XXXX XXXXXXXX XXXX acct # XXXX {$3800.00} ; {$25000.00} ; {$13000.00} ; {$9500.00} ; {$4800.00} ; {$9100.00} ; {$2800.00} ; {$5000.00} ; {$240.00} ; {$5700.00} ; {$2700.00} ; {$25000.00} ; {$24000.00}. After submitting my complaint with CFPB, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX submitted they deleted these accounts. I have provided police reports, proof of identification, proof of address, and copies of credit reports showing that these accounts were deleted. Every 30 days they allow these companies to return under a different company, account number, with the same information.
Product: Debt collection

I requested information from this creditor last XX/XX/2024 and I have yet to receive anything. 

Please have this company upload the following documentation. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. XXXX allocation of payment.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my TransUnion credit file be investigated starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent several follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.