23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I paid Shellpoint Mortgage Servicing ( account XXXX ) all that I owed to them and I requested from them to mail me and my wife tha original mortgage note we signed them when we originally made the loan. They kkep on mailing us a photo copy of the mortgage note and not the original. I need the original document in order to cancel the mortgage in the XXXX XXXX according to the laws of XXXX XXXX XXXX We are afraid that Shellpoint has negotiated the original mortgage note to a third party and we loose our house. We filed a complaint through CFPB ( XXXX ) and XXXX send us copy of everything but never maied us the original of the mortgage note, althought, they said that they complied. That was not true. They lied to us and to you. We do not thurst them. We can not cancel our mortgage ( lien ) without such original document to which we have full right to have. Our address is : XXXX. XXXX, XXXX, XXXX XXXX. My postal addredd is : XXXX XXXX. Box XXXX, XXXX XXXX, XXXX. XXXX, phone : ( XXXX ) XXXX. Please, Help Us. WE DO NOT WANT TO LOOSE OUR HOME.
Product: Credit reporting or other personal consumer reports

Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were XXXX shows a high balance of {$3300.00} and others show {$4400.00} and one recent XXXX XX/XX/XXXX late payments while others show some and others show lots? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called this company XXXX and sent a letter to their address that's on my credit report XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX to verify an account that their agency is reporting on my credit report but no one there seems to know anything about an account using my SSN, DOB, and Full Name.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that appears related to the aforementioned Fraudulent accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have a copy of admission form, This form I did not sign or legally agree to. The signature on the original admissions form was signed without my permission, consent or knowledge. XXXX XXXX had a family member sign on my behalf without my consent or knowledge, in doing so, they took my rights away of being informed as a consumer! At the times of medical procedure I was of sound body and mind and able to make my own decisions and was denied this right. This document should be nulled and debt should not be legally collected on. I would like all debt, interest and all derogatory reports added to my credit bureau removed. 

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

The account I have for XXXX  and XXXX XXXX on my report don't belong to me and I told the company that it was fraud and nothing is being done. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Made an online purchase for television service at a motel. Cancelled before stated date to avoid recurring charges. Noticed charges not made by myself on card. Filed dispute. Card was cancelled and replaced. Next month, charges were again made on new account. Again, filed dispute and card replaced. Third month, same thing happened. Wash, rinse and repeat. This time, I contacted service provider, and it was discovered that there was indeed fraudulent charges being made, and stated they would stop it. Why was card company, after reaching a dispute resolution in my favor, still charging my card? My thinking it was easier to just resolve dispute, as opposed to actually researching and finding guilty party. Meanwhile I keep getting recurring charges that I keep disputing. I did inform agent that I would cancel card if it happened one more time. I am curious to see what will happen in XXXX. This is after service company stated they will stop charges, as seen as a fraud purchase. This company is the streaming company XXXX. I do not have any contracts through XXXX. They can verify this. But CitiBank keeps reposting my account after cancelling account and settling dispute in my favor. Please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and realize that I have a lot of enquiries that did not belong to me. I sent the letters on XX/XX/2018 to XXXX and Experian to please investigate in this I also send out mail to the creditors as well but have not gotten a response from any of them it's over XXXX inquiries and different dates that doesn't belong to me, I also put a freeze on all my bureaus because someone is running my credit or using and I'm looking into getting a report or something done to figure this all out. 
I feel that that this very wrongfully that they're doing this to me as under Section 609 and section 623 I do have the right to dispute anything that's inaccurate under FCRA, I am trying to get on the right path with my credit far as purchasing a home soon I really need this to be taken care of please help XXXX  Experian has given me a hard time and I'll show them all proof as I can with all my identity I sent out letters within a couple of days they said they would not.
Product: Credit reporting, credit repair services, or other personal consumer reports

What has happened to me is that Im a victim of identity theft for the third time on my life. My automobile was stolen a couple years ago and it had some valuable information in it my drivers license, social security card, all in my wallet! Someone has used my credit to get a Capital One with a {$5000.00} limit I have submitted a Police Report, A letter from Consumer Affairs, A identity theft report!!! And XXXX they take it off one day and a month later they put it right back on I mean I dont understand they have all the paperwork and still nothing has happened! XXXX and XXXX has removed this account!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was made aware of an incorrectly reported medical charge-off. The error was with the medical center accounting as the funds were paid through insurance. Additionally, we were never notified of the issue nor that the issue was being turned over to an outside collection agency nor that the information was going to be reported negative on my credit reports. I only found out about because I pulled an annual report. This finding was disputed in XX/XX/XXXX with the three reporting agencies and the information was removed. I am only able to locate one of the dispute confirmation numbers ( XXXX ) and only one " deleted '' screen shot from XXXX. End result is this debt is now once again showing up on my bureaus. XXXX and XXXX and XXXX XXXX XXXX are the same debt and neither should be showing on any of my bureaus. It should NOT be showing as a debt, a past due debt, a paid debt, a collection account, an account paid in full was a collection account, a charge-off, or as a paid charge-off. This amount was cleared up with the emergency services accounting and billing department and was never a credit bureau listed debt, also proper notice was never given to me that this was going to be placed on my credit report, nor as a negative entry. The incorrect reporting on my bureaus was cleared up and deleted in XX/XX/XXXX and now the same information is back on my reports in XX/XX/XXXX! This cost me MONEY in increased interest rate as it affected my FICO score! This should be illegal for them to do, it needs to be once again removed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting me as 30 days past due on the XXXX account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Product: Money transfer, virtual currency, or money service

On coinbase XX/XX/XXXX I sold I bitcoin at an exchange rate of {$12000.00}, {$190.00} in fees, {$12000.00} was supposed to be credited to my US $ wallet. I also sold some other digital currency in order to reach my daily {$15000.00} trading limit, which all cleared as normal and was able to wire those funds out of my account. My bitcoin is deducted from my account but the funds as of XX/XX/XXXX have not been credited. The transaction shows pending in history, but complete in my bitcoin wallet? I have filed numerous cases with XXXX and have not received any valid explanations, only automated responses. The email address they say to send requests for assistance to are disabled and, they claim no-one over the phone can help with deposit or wire issues. I have tried to contact them on XXXX, spoke to a rep on XXXX who never responded after I gave him my case id. My coinable case id # XXXX, the original transaction reference code for this transaction is XXXX. Also there is the tax issue I 'm not sure how to handle sold in XX/XX/XXXX but still have not received my funds in XX/XX/XXXX.
Product: Mortgage

This Complaint is about Select Portfolio Servicing who is a mortgage servicing company and not the mortgage holder. I became completely unemployed due to COVID. I filed and collect Social Security as my only income as I am XXXX years old. I first defaulted in XX/XX/XXXX. I have tried and resolve this issue since by trying a short sale and currently am under review for a surrender deed in lieu when I received notice that my account was referred to an attorney for foreclosure. I have not received any further information about the foreclosure since. The final attempt for a short sale was denied due to a business decision even though offer matched the sale amount that was previously approved by mortgage holder via SPS Servicing. I am not aloud to speak to any representatives from mortgage holder so my case is in limbo as no one is managing my particular account. I have filled out countless applications and reapplications for short sale, deed in lieu and other financial assistance programs with no final solution offer. 
In addition, there was an insurance claim due to flood damage in XX/XX/XXXX. That claim is closed and SPS Servicing is holding on to the over {$27000.00} in settlement funds while the escrow charges including interest, real estate taxes, property insurance and utility costs continue to mount.
Product: Debt collection

I looked at my credit report last week and saw that a Jefferson Capital Systems ( XXXX XXXX XXXX XXXX XXXX, MN XXXX, # XXXX ) put on my credit report that I owe {$530.00}. 
This organization has never contacted me and I do not know what this is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the balance of the following accounts, disputed the balances via XXXX   and XXXX, and the companies refuse to report a XXXX  balance : 1. XXXX XXXX : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 2. CitiBank/CBNA/XXXX XXXX : Paid of entire balance of the loan in the amount of the loan and still report/verify to credit bureaus a balance due ; 3. CitiCards/XXXX  : Reporting/verifying incorrect balance to credit bureaus ; 4. XXXX XXXX : Reporting Incorrect Balance to credit bureaus.
Product: Debt collection

I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and unverified information reported by MIDLAND CREDIT MANAGEM # XXXX. The information in question has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a. As I mentioned in my initial complaint, I have never done business with this companie, and the information they reported on my credit report is completely inaccurate. Under 15 U.S.C. 1681a, I have the right to ensure that my credit report is based on accurate and verified information. I have already disputed this inaccurate information with MIDLAND CREDIT, but I have not received a satisfactory response from them. I have copies of my previous dispute letters and any relevant documentation that supports my claim. I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these companies for violating my rights under the FCRA. I request that the inaccurate and unverified information be promptly removed from my credit report to prevent any further harm to my creditworthiness. Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to rectify this situation and protect consumers from such violations in the future.
Product: Checking or savings account

My HSBC checking account has been suspended and I have been unable to access my money for 6 weeks. Every support agent says account is under review and there's nothing they can do. The last one said I would be getting a letter in the mail in 3 business days and that was 10 days ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equfax doesn't verify my information. Even I sent them a proof but they sent me a template letter. This account is not mine. They have to DELETE it XXXX XXXX XXXX- XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have started my dispute process with this company in XX/XX/2022. Their investigation was a generic response ( please see attachments ). 

There are numerous inaccuracies reporting on my credit report such as addresses, late payments, inquiries, collections, and negative accounts. 

This company has failed to comply to my previous request. This company has violated three of the FCRA codes. This is a breach of my privacy rights. These codes are Section 604 16USC 1681B, Section 605A 16USC 1681C-1, Section 605B 15USC 1681 C-2. They are refusing to modify the investigation.

All copies off my dispute has been sent certified mail return to sender, and I will be attaching copies of this as well.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under: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. 

XXXX XXXX XXXX Account # XXXX
Product: Credit card or prepaid card

I learned about the fraudulent transaction when I received a bill in the mail from Synchrony Bank. I thought this credit line/credit card was closed when it was paid off four years ago. I reached out to Synchrony to file a fraud investigation. They were very unprofessional, transferred my call many times and then disconnected the line. After several attempts, I learned someone went into XXXX XXXX XXXX  in the XXXX, NY and made a purchase for my max credit line of {$11000.00}. The person showed a photo ID and a XXXX credit card. I informed Synchrony that I do not have a XXXX credit card ( something that can be easily verified through my credit report ) and that I was no where near the XXXX, NY on XX/XX/2022. I further explained to Synchrony that I was working for my employer, had a swim session for my son, and a dentist appointment that day. Three different places that can validate my location in XXXX New Jersey. After months of gross negligence and failure to properly handle my case I filed a police report. The police report was filed on XX/XX/2022 with the XXXX XXXX Police Department. Case # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Request for Removal XXXX Fraudulent Late Payment Due to Identity Theft XXXX XXXX Account Number : XXXX Dear, XXXX, Equifax, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Amazon set me up for a subscription without my permission and has been making it difficult to cancel. I have called several times to cancel the account and be refunded only to have it reopened and be charged again. This has negatively impacted my credit score as my family is in the market to purchase a home, its very frustrating. In addition I have had several of my credit card accounts closed and I suspect ( since they are administered by Synchrony bank ) it is due to the Amazon store card situation. It has been and continues to be a great hindrance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you once more to formally dispute the fraudulent inquiries listed on my credit report. Despite my repeated attempts to have them removed over the past three months, inquiries still appear on my credit file. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these unauthorized inquiries, I expect immediate action to be taken.