23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In late XX/XX/XXXX, I was sent home due to being high risk among this COVID-19 Pandemic. I called Shellpoint Mortgage Servicing and I was placed on a XXXX XXXX. I made several calls to them XXXX. Each time, I was told that I was on a XXXX XXXX. On XX/XX/XXXX, I called Shellpoint Mortgage Servicing about a payment that I was able to make online via their website. They NEVER applied this payment to my account. They HELD it. On the payment history page it clearly states " unapplied payment. '' During this XXXX XXXX, Loan Officer XXXX XXXX stated, " For your XX/XX/XXXX payment, send {$820.00} plus {$120.00}. In addition, she stated that my missed payments have been added to the end of my loan. Then on XX/XX/XXXX when I logged into their website, I did not have access to make a payment. It stated, " This loan has a legal status preventing online payments. '' I repeatedly called Shellpoint Mortgage Servicing and XXXX XXXX during the month of XXXX XXXX I call once a week, sometimes twice a week ). She now denies making the XXXX payment arrangement with me. She has refused to extend XXXX XXXX on my account. XXXX XXXX also tells me that I do not qualify for a XXXX XXXX. As of XX/XX/XXXX, Shellpoint Mortgage Servicing website, on my account, clearly states that " you are on a forbearance plan ... '' On XX/XX/XXXX, I called XXXX XXXX XXXX, to Request a Reinstatement quote. I was told it would take XXXX business day. 

On XX/XX/XXXX, I called Shellpoint Mortgage Servicing, I spoke to XXXX XXXX and XXXX XXXX. XXXX XXXX said that she did not see a XXXX a Reinstatement quote. She said it would take days. XXXX XXXX stated an amount of {$7600.00} plus {$820.00} must be paid. I said that I didn't have that kind of money. Again I stated that I was on a forbearance plan. She said, " No you're not. '' A few days later, I called again, now XXXX XXXX gave me an amount of {$8900.00} must be paid by XX/XX/XXXX. Must be wired. She firmly told me, " Do NOT send money, it will NOT be accepted. It must be wired to XXXX XXXX. '' She provided my with the XXXX and Account numbers. 

On XX/XX/XXXX, I called XXXX XXXX XXXX, spoke to Lai'nae and XXXX XXXX XXXX XXXX about this entire matter as mentioned above with Shellpoint Mortgage Servicing. And to discuss the letter that I just received from XXXX XXXX XXXX that states my home will be put up for sale on XX/XX/XXXX. 

I also informed XXXX XXXX that I had the house appraised in XXXX and surveyed. Just found out last week, that the Deed is incorrect. The house is not XXXX XXXX lot, it was built across XXXX lots. The Deed needs to be corrected. I'm also looking into refinancing the house through my credit union. The family who sold me the XXXX lots must re-sign documents in order to correct the Deed of the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX/DEPT OF ED ACCOUNT NUMBER # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Credit reporting

I have disputed several paid, closed student loan accounts a number of times as having incorrect data listed. Each time, Experian has opened a reinvestigation, and then closed it as being accurate. I requested twice the proof that they investigated the accounts as I have proof that they are incorrect based on information obtained from the National Student Loan Database and in speaking to the original creditors. 

I received nothing, just repeated updates that the accounts belong to me. 

XXXX does n't list a Date of first Delinquency, and lists my account as being late 150 days prior to the end of my 6-month grace period on XX/XX/XXXX. The account was defaulted based on an incorrect time period, and has since been paid in full through reconsolidation in XX/XX/XXXX. XXXX has refused to remove the status that it is currently in a delinquent state and it has been negatively affecting my credit at a greater impact for more than 2 years. 

There are XXXX collection accounts listing a " collection '' as the only status in XX/XX/XXXX. XXXX of the loans were paid in full in a previous consolidation with XXXX in XX/XX/XXXX. There is also a loan listed that was never dispersed. The XXXX remaining entries are repeated multiple times for XXXX loans that historically existed, however ALL of the listings state that the tradelines were inserted in XX/XX/XXXX - the month that the defaulted loans were paid. I disputed these in XX/XX/XXXX, again in XX/XX/XXXX, and again in XX/XX/XXXX, and again in XX/XX/XXXX. Experian has refused to investigate this with due diligence, otherwise they would have discovered these errors. Experian also refused to listen to me when I told them it was inaccurate and demanded proof that they investigated it under the requirements of the FCRA.
Product: Debt collection

I am writing to request a removal of the following information that appears on my XXXX  and XXXX  credit files. When I contacted your company last year in XX/XX/2019 I verified with your company that charge for XXXX XXXX in the amount of {$260.00}, I was not responsible for because I have canceled the insurance for the car and the car has been sold. Your company had verified this information and agreed to cease collection. Since that conversation I haven't received anything else from your organization. 
However, I have recently checked my credit and it shows a first delinquency date of XX/XX/2019 the car that was insured with XXXX was sold before that date, so this information is inaccurate. Also, the date assigned is not accurate because it is totally different from the date of first delinquency. According to FCRA guidelines inaccurate information listed on a persons credit report must be accurate. This information your company is placing on my credit report is not accurately and must be removed as soon as possible
Product: Credit card or prepaid card

I bought 2 vanilla gift card at a XXXXXXXX XXXX and when we went to use them ( 2 separate dates ) both cards were declined. We then checked the balance and transactions online and noted both had been used but not by us. We had no idea the business used at. We contacted vanilla gift card filled out a dispute form and appears they dont really care and no follow through has been made. Very frustrating as we have basically lost {$200.00} and yet no one is responsible for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was consumed by debt and solicited Freedom debt relief for assistance. I spoke to an individual named XXXX who assured me that Freedom Debt Relief would contact assist me in paying off my dept through their program. I was told to discontinue payments to my creditors and Freedom Dept Relief would contact all of them and set up settlements. Furthermore, I was assured that there were no charges for this service with the exception of a small monthly fee for maintaining my dedicated account. I was also told that the money in this account would be controlled by me in that I could approve or decline a settlement. This endeavor began by masking unrealistic goals surrounded by lies and deception which included the individual telling me Freedom Dept Relief was a consumer advocate. {$4300.00} later, I am more in dept and my credit has dropped more than 100 points because I put my trust in this company. I am a XXXX XXXX with more than 26 years of federal service and I am XXXX that such a company exists that tries to steal money from those in need of assistance. This company is an extreme embarrassment to those who actually attempt to settle debts for those in need. I would like to add that XXXX XXXXXXXX have a purpose to recover money lost to lenders, but this company strives to steal money from those who have financial difficulties. Fast forward to XXXX XXXX, XXXX. I was expecting a full refund because this business at the end created more problems, and instead they not only refused to refund me the {$4300.00} I put into the program, but the remaining {$680.00} was also stolen. This company is deceptive and currently has adds on XXXX telling potential customers that their dept will be paid for free. Something has to be done please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXXXXXX XXXX is furnishing. 

I sent a Dispute letter dated XX/XX/2022 with a green return receipt. To no Avail LIST OF INNACCURACIES FOUND ON IDENTITY IQ CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX XXXX  was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Product: Debt collection

I had received a phone call I called back and left a mmessage because he was on lunch. He called me back I asked if I could set up a payment arraignment I was told he would see what he could do I offered XXXX by the XXXX and I 'd do more each mnth after that. He declined and came back with XXXX by the XXXX. I informed him I could n't come up with that and asked to speak to a manager. The manager told me he did n't have to offer me any payment arrangements and so I got upset and asked to speak to his boss. I was falsely informed that there was no one else I could speak with that I had to write the president himself and wait for a reply. I got XXXX and used a little bit of profane language and told him there had to be someone else I could speak with and he said no and hung up. I called back XXXX got hung up on XXXX more times before I spoke to another manager. This manager told me that he did n't care what was said by the other manager I was talking to him now and so I said well then I need u to set up my payments so this does n't hit my credit like ur threatening. He then said I do n't have to do anything but I can. I said no u need to set this up for me so it does n't hurt my credit. Again he told me he did n't have to do anything but he can and hung up. I called back a final time in tears at this point cuz they are threatening to hurt my credit yet not set up a payment plan for me. I got the first manager I spoke to in the first place and he told me when I call to complain make sure I tell them that he set up my payments when the law would n't make him so he did me a favor even tho he did n't have too. I spoke to XXXX Id # XXXX. XXXX id # XXXX and XXXX I did n't get his id number. I was also informed that they have been contacting me multiple times that was thrown in my face and this was the first time I received a call and called right back.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION SHOWS THAT MY ACCOUNT WAS PAST DUE BUT I HAD A MORTGAGE FORBEARANCE WITH XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have emailed many times my update FTC identity report you continue too list these 2 medical accounts which is not mine XX/XX/2018 you relisted these accounts on my equifax credit report delete now!!!
Product: Mortgage

I have a second mortgage that is about paid for and than on the statement 2 new amounts started showing up on the statements, one called deferred amount for {$1300.00} and one for fees and charges in the amount of {$620.00}. 
This loan was started with XXXX XXXX  and then sold to XXXX and now Real Time Resolutions. For about the last 6 months these would show up on the statement I would call Real Time Resolutions and question what and were did they come from with no answer. The following month the fees and charges would be remove only to reappear the following month. I called XXXX and they discovered these balances were added on XX/XX/2008 when they assumed the loan but could not answer what they were for and suggested I notify consumer finance.
Product: Money transfer, virtual currency, or money service

I want to express my concerns with past experiences Ive had with Zelle. I have been robbed of {$150.00} that I had asked for a refund of and Zelle couldnt help me at all. I had the persons information and phone number and they didnt do anything about it. Despite using Zelle numerous times and reporting this issue nothing was done. Zelle has not protected its users and I am someone who has been affected. Zelle leaves people open to scams and it is not right. The lack of accountability raise serious concerns about my safety as a Zelle consumer.
Product: Money transfer, virtual currency, or money service

I sent money to my mom. Within an hour her phone was stolen. I contacted Sendwave ( the company that I send the transfer through ) to see if they can block or recall the transfer. There was no answer on their phone, text or emails. They went completely silent. Its been over 2 days now and counting with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2021, I disputed inquiries from XXXX XXXX XXXX XXXX ( XX/XX/2021 ), XXXX XXXX ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 ), and XXXX ( XX/XX/2021 ) with Equifax to no avail as evidenced by the return receipt. In addition, I contacted the creditors via written correspondence as evidenced by the return receipts, and they could not verify that I completed an application with them. Equifax failed to investigate this matter or show me any proof illustrating that these creditors had a permissible purpose to access my credit file ; and as a result, my credit has been adversely impacted. Equifax failed to confirm that the above referenced creditors had a permissible purpose to access my credit file. In fact, I previously disputed an inquiry that Equifax allegedly verified, but the company, XXXX XXXX, communicated that it was an error and it would be removed as illustrated by the enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit limit increase for my Shell gas credit card online Wednesday XX/XX/2023. Because requesting one with a call representative results in a hard pull so I always submit mine via website online to avoid the hard pull and only receive a soft credit pull. Well for some odd reason I was still hit with a hard inquiry which was supposed to be a soft inquiry.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX & XXXX XXXXXXXX XXXX XXXX reference XXXX
Product: Checking or savings account

My chase account with account number XXXX is closed on XX/XX/XXXX for no reason. I went to a branch and they told me I should be able to receive the check in around a month. On XX/XX/XXXX I called chase and they told me I can not get my money back. I received a checking summary that I still have {$8500.00} in my account but chase told me that my account is already closed and those money are zeroed.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries ; I lack any knowledge on them, and the company proceeded without my consent.
Product: Debt collection

On XX/XX/2021 an associate of Morgan & Associates violated my rights numerous of times. I was called and told I owed a debt when I told her I don't owe the debt she told me I did repeatedly over an over ( 15 U.S. Code 1692b ). And when I told her I didn't give her permission to contact me ( 15 U.S. Code 1692c ( a ) ) and that she was a third party she told me her company works for XXXX XXXX XXXX the original creditor which is misleading representations. She also threaten to file suite with her company 's lawyers ( 15 U.S. Code 1692d ( 1 ) which will harm my reputation for a debt that I believe isn't mines. and when I repeatedly told her she was violating my rights she would cut me off and raise her voice in a rude manner ( 15 U.S. Code 1692d ( 2 ) and then she hung up in my face.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$6200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3.XX/XX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XX/XX/XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.
Product: Debt collection

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. On XX/XX/XXXX, I the consumer, a natural person sent Great Lakes an affidavit of fact and they default on the rebuttal. Law states you have to rebuttal with a rebuttal or the affidavit stands as true. 
Affidavit uncontested unanswered [ United States v. Kis, 658 F. 2d 526,536 ( 7th Cir.1981 ) ; Cert . Denied, 50U.S.L.W. 2169 ; S. Ct. XX/XX/XXXX ] " Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit ''. [ Group v Finletter, 108 F. Supp. 327 Federal case of Group v Finletter, 108 F. Supp. 327 ] An affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true. 

On XX/XX/XXXX, I sent a Default and Opportunity to Cure with an invoice of consumer laws broken. They still defaulted with no verification of their claim against me. ( a sworn affidavit )
Product: Credit card or prepaid card

Wells Fargo and fraudulent debit card transactions. 

I noticed a number of debit transactions on my Wells Fargo checking account. I cancelled the card and reported the transactions. I rarely use this account and the transactions date back more than 60 days. I Understand that all transactions beyond 60 days are not usually returned. 

Wells Fargo credited my account for {$420.00} and {$13000.00}. The {$420.00} became final and then Wells Fargo alerted me to the larger dollar amount. I finally went through the account and found more charges to another vendor and reported an additional {$6400.00} I called to check on the {$6400.00} amount and Wells Fargo told me I withdrew the claim. 
They refuse to call back, email back or contact me in any way. 

The vendors are credit card processors for consumer-facing bitcoin sites with horrible online reputations. XXXX and XXXX XXXX. I filed a police report and a report with identitytheft.gov. I sent Wells Fargo the reports. 

I spoke briefly with the high dollar fraud rep who claims to have evidence proving it was me that made the charges, however, this was a debit card and the was never used. They said they would escalate my claim to the executive office. They did not and now they have debited me the {$13000.00}. 

The totally amount of fraud was over {$28000.00} with approximate {$10000.00} more than 60 days old at time of reporting. 

Please note the following : Claim numbers are XXXX & XXXX XX/XX/XXXX, to XX/XX/XXXX ( day before the first XXXX  transaction posted ) the account posted a TOTAL OF 114 TRANSACTIONS. 

XX/XX/XXXX to XX/XX/XXXX, a total of 231 transactions. The only difference in the pattern is transactions to XXXX and XXXX The dramatic increase suggests fraud. The spending patterns do not in any way correspond to the account history From XX/XX/XXXX, to XX/XX/XXXX, ZERO transactions with either merchant, XXXX or XXXX. 

From XX/XX/XXXX, to XX/XX/XXXX, 151 Transactions combined between the two merchants XXXX & XXXX in the amount of {$28000.00} Thus the Wells Fargo conclusion that suddenly on XX/XX/XXXX, I decided to patronize two extremely disreputable Cryptocurrency merchants constantly for the next 93 days without a pin number for nearly {$30000.00} is not credible. At least 10 of these transactions occurred while I was not in the country or on an airplane. 

Wells Fargo claims I withdrew the dispute but it is Wells Fargo who are denying my credit. 

The people responsible for this mess are XXXX and XXXX. 

.
Product: Debt collection

Credit report was viewed in XXXX  where in the errors were found and reported and then again in XXXX
Product: Checking or savings account

On XX/XX/2022, I wrote a check # XXXX to my telephone provider, XXXX, for {$64.00}. 
The check was altered to {$9500.00} and that amount was to an XXXX XXXX on XX/XX/2022. The PNC bank was contacted within 60 days of the date the check was written, to correct the problem. PNC requested a an affadavit of the altered check. This affidavit was submitted to PNC XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have other names social security numbers addresses phone numbers and accounts that have never belonged to me in my reports and XXXX XXXX and Transunion keep showing this information against my person