23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Once again shellpoint has not taken a payment and is charging fees for their failures. We had no say in our loan being sold to such a shady company, we paid over XXXX in two months to these people who claimed they didn't receive payments. We sent in the final cashiers check to catch up payments on XX/XX/XXXX, the same date we sent in the automatic withdrawal payment forms for our payments to start coming out of our checking account on the XXXX. The cashiers check cleared the bank on the XXXX, meaning they received it several days prior. They still have not taken the payment for XXXX, expecting us to pay their late fees, ect which they then make more than what is authorized or reasonable expected to pay, so your payment is reported as late and they can then charge more fees. We had never had one issue with our mortgage prior to our loan being sold to a company like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2021 XXXX XX/XX/2021 AN # XXXX XX/XX/2021
Product: Credit card

For about 2 years when I started a home improvement. Homedepot/citibank were not applying the full monthly payment to the oldest promotions
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have credit card for my company in which I am the authorized signatory. I also have a joint checking account with my wife who is not a partner, shareholder, signatory or any role in the company or its accounts. 
On XX/XX/XXXX nd without giving any notice the bank took XXXX $ from the joint personal account to pay the past due balance on the credit card. They told me its right of offset and they can do so per page 53 of the agreement without any warning or notice. Cursory research shows there are federal limits on these rights especially for CC debt and the person in the joint account has no relationship to the company CC.
Product: Credit card or prepaid card

I called a plumber to do work on my kitchen sink. He quoted me a price of {$75.00} and hour, He was at my house for about and hour and a half, He charged me {$300.00}. He told me that he was a licensed plumber and I found out later that he wasn't. I contacted Consumer Protection and they told me that he can not bill me at all in the State of CT if he is not licensed, it is against the law. He didn't fix the problem and I hired someone else which cost me {$170.00}. The credit card company as a courtesy only gave me back {$150.00}. I sent proof to the credit card company of the laws in CT and that this person is not licensed and they gave the money to the merchant. This is dead wrong. Consumer Protection said  that I should be refunded the full amount. 
It is no different than a doctor doing surgery and billing you and he is not licensed and has no right to do surgery or bill you. The credit card company should have taken my side completely. It is Citibank Mastercard. The state told me that this is a fraudulent charge because this merchant is not a licensed plumber and can not touch someone's pipes, never mind charge a person. The credit card company handled this terribly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I repeatedly am seeing updates from alleged creditor XXXX XXXX on my XXXX   and TransUnion Credit reports for allegedly written off account onXX/XX/2017  That is illegal to update, right, as the alleged delinquency is set to appear for a finite duration? I would like these updates from this alleged creditor to stop as it has with XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act, the list of account below has violated my federally protected consumer right to privacy and confindentiality under 15 u.s.c. 1681 Account Name .... XXXX  XXXX XXXX. 
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 stats a consumer reporting agency can not furnish account with out my written instruction.

15 u.s.c. 1681 C. ( A ) ( 5 ) section state 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 anted ates the report by more them seven years..

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A. person shall not furnish any information relating to a, consume to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate..

There is a need to insure that consumer reporting agencies exerciese their grave responsibilities, with fairness, Impartiality, and respect for the consumer right to privacy.

Reporting company used your report improperly obtained or used for purpose that aren't allowed by law...
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 TransUnion, Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name " XXXX XXXX ''. All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. There are CHARGE OFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 

There are multiple Hard Inquiries on my credit report that are NOT authorized, - XXXX  XXXX XXXX XXXX ( Finance ) XX/XX/2023 There are multiple Soft Inquiries that are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed. The Charged off account and Collection account being reported on my credit MUST be removed. XXXX CFR XXXX & XXXX - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
Product: Credit card

I had an account with Capitol one. I closed my {$200.00} secured credit card account XX/XX/2024. As of today 's date XX/XX/2024 Capitol One has not refunded my security deposit. There were no defaults, nor were there any balances left on the account. {$0.00} amount is owed to the bank which would entitle me to a full refund of my security deposit. They have refused to issue me a cashiers check and when I call them customer service puts me on hold then hangs up. Please help! 

Attached are documents and photos showing that my account has been closed with {$0.00} balance since XX/XX/2024. It is XX/XX/2024 and I have not received my deposit back.
Product: Debt collection

I have attempted to contact XXXX by disputing my medical debt through their online dispute portal. I have also sent them a certified letter disputing this debt on XXXX/XXXX/XXXX. These collections were removed from my XXXX report because of multiple inaccuracies and lack of being able to validate this debt, but XXXX has not removed these collections from my credit report yet. XXXX keeps responding that this debt is mine and verified, yet I have never received an itemized summary of what I am being charged for, and I have never been contacted directly by Transworld Systems Inc, either, which leads me to believe this is fraud. These collections need to be removed from my credit report from XXXX, just like they were removed by XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$100.00} {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1700.00} {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$79.00} {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$240.00} {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$88.00} {$88.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$66.00} {$66.00}
Product: Credit reporting or other personal consumer reports

Well, I already reached out previously about unrecognized credit reports on my account. I got a XXXX point deduction on my XXXX and after reporting this to you guys the ( Consumer Financial Protection Bureau ), the case was resolved and I got my XXXX points back on XXXX. But then on Thursday, XX/XX/2023, upon checking my credit score again, I still saw another XXXX point deduction on my XXXX for no reason. And the hard inquiry from XXXX XXXX which they got back to me saying they would remove is still on my credit report. I will attach the document they provided. And I wanted to kindly ask if you could restore the XXXX points that were deducted again on XXXX as well as remove the hard inquiry from XXXX XXXX XXXX I've had no late payments on my credit and I'm still working hard to ensure that no payments are turned in late.
Product: Debt collection

Contacted on XX/XX/XXXX by a XXXX XXXX, stating I owed {$250.00} to XXXX. I let him know that the debt was not valid and a final payment of {$230.00} had been made in XX/XX/XXXX. I also told him I would not be making a payment to him today and would contact the original creditor to so they could remove the account from collections. XXXX XXXX called me back immediately, leaving a voicemail that stated I needed to provide him proof by the end of business day or they would proceed with a lawsuit against me. XXXX XXXX did not provide any fax number or email address to which I could send proof of the paid debt. I attempted to call XXXX XXXX back six times, every time he hung up the phone without answering the call. On the seventh try I got through to his associate, the associate transferred me to XXXX XXXX. At that time I requested he provide me with a fax number or an email address so I could provide him a copy of the cashed check. XXXX XXXX refused to provide me with either, and told me he was sending a sheriff to my house. I gave him my email address and asked him to please email me so I could provide him with a copy of the cashed check that showed the debt was paid in XX/XX/XXXX. So far, XXXX XXXX has not provided me with any means of communicating proof of the paid debt with him and is no longer answering any phone calls. The times I did speak with XXXX XXXX on the phone he raised his voice, was profane, would constantly speak over me and would not allow me to get a word in edgewise to provide proof that the debt was paid. 

Prior to the call on XX/XX/XXXX, XXXX XXXX left a voicemail on the cell phone my husband uses for his military service, stating that I owed a debt and I needed to call him to pay it immediately. 

The final loan payment was made on XX/XX/XXXX via online bill pay through my credit union. The check was sent to the company on XX/XX/XXXX. Attached you will find a copy of the endorsed and cashed check.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account XXXX : XXXX
Product: Vehicle loan or lease

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

PayPal - negative {$2300.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$2300.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$2300.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;.
Product: Credit reporting or other personal consumer reports

XXXX on my credit report # XXXX XXXX XXXX Experian has Inquiries that i did not apply for under REASONS ; Experian states UNSPECIFIED in which what or was applied for type or reson on the hard Inquiries. 

XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX, transunion, and XXXX on XX/XX/2023. Its been well over 30 days, I still have not received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.
Product: Credit card

I recieved 2 different emails on XXXX from Bank of America that they have processed my 2 balance transfers. I immediately called them to let them know I did not request any balance transfers and that they are fraudulent. They said not to worry and they would take care of it and I was not responsible for fraudulent charges. Was glad they were on it and went on with life. About 2 weeks later I received 2 letters from Bank of America stating that my claim was denied and transfers were valid. I started to panic and called the fraud dept at B.O.A. and was wanted details on how they came to that conclusion. All they told me was one transfer was to a " XXXX '' mastercard and other one to a " XXXX '' card. I told them again I did not authorize any transfers and to follow the money to owns those cards. The agent told me their investigation had concluded and nothing more could be done. I really started to panic as both transfers added up to over {$10000.00}. Told the agent I needed all details on the 2 cards that initiated the transfers and she told me they aren't allowed to do so. Also 1 card had been locked down 2 weeks earlier and how a transfer could be made on a locked card. No response and here I am.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX is reporting a balance for my XXXX XXXX that I should not owe. I paid this off a year ago and it is still reporting as a collection with a balance. I need this removed as it is paid off and it is affecting my credit.
Product: Money transfer, virtual currency, or money service

This is in late XXXX of XXXX. I filed a dispute with XXXX XXXX to dispute transactions which were fraudulent. I had been " ripped off '' by purchasing several XXXX XXXX XXXX who represented themselves on XXXX as dealers. In terms of dollar amount, maybe, {$2000.00} - {$2500.00} was spent and lost over XXXX vendors. I filed the complaint with XXXX explaining these items were not delivered and the company 's websites had no support for tracking. I waited a very long time. When XXXX had made the claim, the filed it over the exchange which it took place on, Coinbase. I was a caddie at the time and was saving $ to visit XXXX. Not only did I spent the $ I lost, the remainder was pooled into XXXX XXXX. I had put in about {$1000.00} of savings to be pooled, or " staked. '' I was given a guaranteed interest. I was invited to do this. Anyways, I wake up and check my account and it's gone shortly after filing the claim. All of it. Coinbase liquidated the position I had in the staked pool of XXXX.
Product: Mortgage

I tried to do a Loan modification with shelllpont mortgage. My husband had XXXX. I am having trouble making payments. My interest is at 6 % They refused to help me after waiting over 3 months. Sending in the same paperwork over and over again. They said I had too much equity in my home. You would think this would be a good thing. I have been living in this house for 40 years. I do not wish to lose it. All I am asking for is a lower mortgage payment. Shellpint is obviously making a lot of money off of me.
Product: Debt collection

Certainly! The four major U.S. consumer credit laws that are relevant in disputes involving credit reporting and consumer protection are : 1. Fair Credit Reporting Act ( FCRA ) Purpose : To ensure accuracy, fairness, and privacy in consumer credit reporting.

Key Provisions : Consumers have the right to dispute inaccurate or incomplete information on their credit reports.

Credit reporting agencies ( CRAs ) and data furnishers ( creditors, lenders ) must investigate disputes and correct inaccuracies within 30 days.

Consumers must be notified if negative information is added to their credit report.

Limits who can access credit reports and for what purposes.

Legal Reference : 15 U.S. Code 1681.

2. Fair Debt Collection Practices Act ( FDCPA ) Purpose : To protect consumers from abusive debt collection practices.

Key Provisions : Prohibits harassment, misrepresentation, and unfair practices by debt collectors.

Debt collectors must provide validation of debt upon request within 30 days of initial contact.

Consumers can dispute debts and request debt verification.

Establishes guidelines for when and how debt collectors can contact consumers.

Legal Reference : 15 U.S. Code 1692.

3. Truth in Lending Act ( TILA ) Purpose : To ensure consumers are informed about the terms and costs of credit.

Key Provisions : Requires lenders to disclose key credit terms, such as interest rates ( APR ), fees, and repayment schedules.

Provides consumers with a right to rescind certain types of loans ( e.g., home equity loans ) within a three-day window.

Protects against unfair billing practices.

Legal Reference : 15 U.S. Code 1601.

4. Equal Credit Opportunity Act ( ECOA ) Purpose : To prevent discrimination in credit transactions.

Key Provisions : Prohibits discrimination based on race, color, religion, national origin, sex, marital status, age, or receipt of public assistance.

Requires lenders to provide reasons for denying credit applications.

Protects consumers rights to have their credit considered fairly.

Legal Reference : 15 U.S. Code 1691. 

If youre filing a dispute with the Consumer Financial Protection Bureau ( CFPB ), make sure to specify which law applies to your situation and provide evidence supporting your claims. If you need help drafting the dispute, let me know!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX