23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shellpoint purchased my mortgage from drop mortgage XX/XX/2019. The first payment made was sent and credited correctly. The payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2019 were made and were never credited or recognized by shellpoint. I have bank records showing this payments were debited from account but Shellpoint would not credit my mortgage account for them. We had the bank track the routing of the payments and they confirmed deposit in Shellpoints bank. 
Additional to the theft of payments, Shellpoint tried to draw funds from accounts that were in my underwriting file that were never associated to the mortgage. This was identify theft. They refused to track the IP addresses, which would clearly show the log in for this fraudulent activity was located in their office. 

They have since refused to communicate about either issue. It seems like after initial investigation they are trying to brush it under the rug and cover it up. I believe this would be a RESPA violation, larceny, wire fraud, and identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I began repairing my credit while doing so I found many inaccurate accounts listed from XXXX XXXX. I contacted all three credit bureaus to dispute the items that were listed that had been sent to XXXX XXXX and XXXX XXXX, the item came back verified from Equifax which I new was correct I then reached back out to XXXX XXXX to have them send me over proof that the items were mine which resulted in them finding that the accounts in fact did not belong to me. I contacted the collection agency to request that the items be removed and nothing has happened. I have also contacted Equifax to have several disputes done and again nothing has been removed. I have been denied credit due to these situation and would like to have it corrected immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 
These companies have refused to do work on disputes even though they're required by the law to do so Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in numerous of letters to TransUnion asking them to remove the Bankruptcy off my credit report or provide me proof from the Bankruptcy court that verifies they have reported the Bankruptcy to TransUnion. I have sent them letter 's on XXXX, XXXX, XXXX, XXXX, XXXX and on other months as well. I have provided TransUnion with a letter stating that the Bankruptcy court doesn't report to any third parties including credit bureaus any information that pertains to a Bankruptcy. TransUnion stated in a letter of dispute that was dated on XXXX that they contacted the Bankruptcy court and they supposedly reporting the information as accurate. That is false. The letter from the bankruptcy court clearly states that they do not perform any activities with the credit bureaus. 

TransUnion needs to remove the Bankruptcy from my credit report or provide me with written proof from the Bankruptcy court that they reported the Bankruptcy to them. TransUnion please provide me with written proof from the Bankruptcy court upon your new investigation.
Product: Credit card or prepaid card

On XX/XX/XXXX between the hours of XXXX XXXX PST. I called Capital one customer service due an unexpected balance of {$43.00} appeared in my account posted since XXXX XXXX, XXXX. I wasn't expecting this since I already made the full payment on my account for amount of {$3200.00} on XXXX, XXXX. I was expecting that my account XXXX XXXX XXXX XXXX will be at XXXX balance. 
I have ask the CSR to help me out to waive the fee of {$43.00} but declined to do so. The account representative told me that he can not waive the fee and has no means of information or access to waive it. I then asked to be transferred to the account manager who I believe has more access to grant my request. The manager or supervisor verified my account and check my information. For the second time, the manager or supervisor have adamantly told me that he can not do anything to help me to waive the interest fee of {$43.00}. 
Wow, really, seriously, for {$43.00} as a long time customer who is asking for your help to waive this fee has been strongly denied to be help out. I have been patiently paying my debt in Capital one even though Capital one has been charging too much interest fees in my account. I really have to go through of all instead of Capital one thinking of their own benefit, for {$43.00} really, your credibility as supposed to be a " helpful '' credit card company will be published for not helping out a customer like me most especially this hard season of pandemic. 
I then, just requested to the manager/supervisor to close my account, since he doesn't want to waive it. He said that I still need to pay {$43.00} even though the account will be closed, that I will be responsible for it. I said " no '' I will not pay that {$43.00} because I already paid the balance in full. He then declined to close my account. 
Let it be known, that i will not be paying anymore fees/interest to this account since I have already paid the balance in full and Capital one have already collected so much interest and fees in me already. 
All I ask is this should be settled so I can be back in my normal life. This amount of {$43.00} has been stressing me out and should be waive for the sake of helping out your customer. Capital one should extend their hands to more considerate and don't push their costumer to pay more and more.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2024, but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$810000.00} XXXX XXXX XXXX, IN XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$41000.00} XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$41000.00} XXXX XXXX XXXX : {$0.00}
Product: Bank account or service

I am being charged a {$34.00} insufficient funds fee by Chase Bank, which is dated XX/XX/XXXX but was not charged to my account until XX/XX/XXXX ( I know this because my account continued to show a positive balance on XX/XX/XXXX at just after XXXX AM ). This has occurred on previous occasions, and despite several attempts to resolve this issue with Chase Bank, they remain unwilling to resolve the situation. I have advised several representatives of Chase Bank that I am unwilling to pay a fee for insufficient funds when I had a positive balance in the account. This amounts to nothing more than deceptive business practices and borders on consumer fraud.
Product: Vehicle loan or lease

My name is XXXX XXXX, I am writing to complain about Santander Consumer USA ( auto loan lender ) .I was late on my car note from XX/XX/XXXX to XX/XX/XXXX, so I have eleven late payments in total that reflect on my credit report. At the time I had lost my full time job and I had to depend on other people to help which was not a consistent thing. By the time I was able to make one payment, I was already behind the next and the late fees kept building up & it went on that way for months. I was struggling to support me and my daughter to keep the lights on, so I had to prioritize what was needed first. I am back on my feet and I'm very stable with my finances, but these late payments are prohibiting me from obtaining a home for me and my daughter. I wrote Santander Consumer USA a few goodwill letters asking to please remove some of these late payments and I'm assuming I'm either being ignored or denied because I've yet to receive any correspondence from them. I sent a letter in XX/XX/XXXX and XX/XX/XXXX, I don't have the letters to attach because they were hand written.I feel like Im at a dead end with this situation, and I'm not sure what I can do next. I am hoping that someone from the Consumer Financial Protection Bureau can please help and assist me with this matter. 

Thank you.
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with MB FIN SVCS with the account number XXXX and this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Greetings! I am submitting this complaint to seek another answer as to why I am seeing another inaccurate late mark in one of my accounts. I recently received a copy of my credit report, and found that this account ( XXXX XXXX ) was already repaired months ago. And I am 100 % sure that I paid this account on-time since then. So, I feel that the information reported about this account is misleading and incomplete. Therefore, I am requesting that the Credit Bureaus will re-investigate and REPAIR this account again : EXPERIAN : XXXX XXXX Balance : {$49000.00} XXXX : XXXX XXXX Balance : {$49000.00} XXXX : XXXX XXXX Balance : {$49000.00}
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX Bankruptcy : Account Number : XXXX Account Name : XXXX XXXX Bankruptcy : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I received a credit card with account deposit slip from Chime. I did not open this, it is fraud. I contacted chime at support.chime.com to close out the account, the number listed no one picks up. 

phone number is XXXX The card number sent to me is # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Fraudulent Accounts on Credit Report Due to Identity Theft Dear Consumer Financial Protection Bureau XXXX XXXX am writing to file a formal complaint regarding fraudulent accounts that have appeared on my credit report due to identity theft. The following accounts, which do not belong to me and were opened without my knowledge or consent, have negatively impacted my credit report and financial standing : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX became aware of these accounts after reviewing my credit report and immediately took steps to dispute them with the credit bureaus, but these disputes have not been resolved satisfactorily. I believe my personal information was used without my permission, and I request your assistance in ensuring that these accounts are removed from my credit file. 

I have also taken the following actions to mitigate the impact of this identity theft : Filed a police report regarding the identity theft. 

Submitted identity theft affidavits to the credit bureaus.

Contacted the creditors directly to report the fraudulent activity.

Despite these efforts, these accounts remain on my credit report, affecting my credit score and ability to obtain financial services.

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that these accounts are removed from my credit report as soon as possible. Please let me know if any additional documentation or information is needed to support my claim.

Thank you for your attention to this urgent matter. I look forward to your prompt resolution. 

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

Today XX/XX/2020 I found out that there are three unauthorized accounts appearing on my credit report. The way I found out was because I applied for a credit card at XXXX XXXX XXXX and I was told that they could not approve me because of these accounts. The accounts are from XXXX XXXX XXXX and two from XXXX XXXX. None of these accounts belong to me ; I did not open them and I did not give anyone else permission to open them on my behalf. There is also this address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on my credit report that I never lived at. I did not benefit anything from these accounts such as money, goods, services, goods or any other benefit and I did not make any payments towards those accounts. I also filed a police report regarding these accounts and address.
Product: Bank account or service

On XXXX/XXXX/16, my PNC account was overdrawn overnight after my paycheck had suffered a garnishment which I had not expected. 
Punitive Fee ( s ) totaling {$140.00} were charged on XXXX/XXXX/16 for XXXX items which If I had known that middle of the night, I could have gone and covered. 
I had barely enough money to cover my said transactions but due to the punitive fees debited to my account, there was no way for me possible to cover a double hole. 
I called, begged, escalated, called, begged, escalated. Ended up reach a gentleman by the name of XXXX XXXX at PNC highest escalation and he told me they were not going to budge even if I filed a complaint with the Financial Consumer Protection Bureau. 
To protect myself I had to open a new account elsewhere, move my direct deposit. Cancel all my automatic payments and wait a week to be able to do anything. 
Now, they 're charging money daily to the account while it 's in the negative and have threatened to go into my spouse 's accounts to recover, because my name is attached on that account. 
These people are like jackals. Anybody on a fixed income with a hiccup can kiss their stability goodbye. Instead of being there to help, they 're the ones that chop you up. 
Please help us. 
All they have to do is waive the fees so we can fill the hole and go on. 
We 're trapped in a corner with nowhere to go. There are no funds available in our budget for their punitive fees. 
Thank you XXXX XXXX XXXX XXXX Michigan
Product: Debt collection

In XX/XX/2018 I sent a certified with return receipt letter to National Credit Systems to Cease and Desist contacting me. I also included a check for the amount of {$490.00} as that is what the ledger states that I owe from the original creditor. I also provided my new address. After a month of not hearing from the company and noticing the check that was sent to them had not been cashed I contacted them directly. They stated that I owed {$4900.00} and that they mailed my check back to me, which I have never gotten back. 

They now continue to call me repeatedly throughout the week and leave voicemails and I will not answer there calls. This is why I am filing the complaint.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I will also like to remind you of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. 
Thank you. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I opened a Citigold Checking account with a coupon code that indicated I would receive XXXX XXXX XXXX miles after meeting the promo requirements : 1 ) Spend {$1000.00} on the debit card. XXXX ) Make a bill payment using the BillPay service for two consecutive months. I met the requirements quickly and awaited my points. After months passed, I launched an investigation into where my points were and was told that I was ineligible. It seems that Citibank had retroactively gone back and decided this offer was limited and targeted only, despite it not saying so in the literature. I feel like this was a bait-and-switch scam designed to get multiple people to sign up for their $ XXXX/mo Citigold checking accounts, without fulfilling their advertised promotion. It has become quite a well know issue, as many people are in the same boat as I.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to submit a credit freeze with Equifax online or over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft in the past. Time went on and I started seeing unauthorized inquires show up on my consumer report. I realized I needed to do a police report and immediately contact each of the Bureaus. Its been well past 60 days and they have yet to correct the this situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, 2021 XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX BANK XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received an email stating that my Checking accounts had been restricted, I then proceeded to call the bank. 

Once I contacted the bank, I talked to a representative whose name I don't remember, but then I proceeded to ask to speak to a manager. I ended up speaking with XXXX, which claimed to be a manager, he refused to provide his last name. He wanted to identify and know some personal information about some XXXX transfers. I am listing the XXXX transactions ( which where all credits ) in the following list : Date / Sender / Amount XX/XX/. XXXX XXXX {$50.00} XX/XX/. XXXX XXXX XXXX. {$400.00} XXXX XXXX XXXX XXXX {$1100.00} XX/XX/. XXXX XXXX XXXX. {$400.00} XX/XX/. XXXX XXXX XXXX. {$500.00} XX/XX/. Yonny Meneses Colon {$130.00} XX/XX/. XXXX XXXX XXXX {$150.00} XXXX proceeded to ask very personal information; such as, what the money was for, where I knew the senders from, if they were considered friends or acquaintances. I even responded to him by saying I had done a personal trip with those persons, and he still wanted to know what the purpose of the trip was, and what state or country the trip was to. He also asked for each individual phone number of the persons, even after I provided him the phone numbers, He said he couldn't match the numbers to the names listed on the XXXX senders lists, I was guessing he simply searched on public records, or a system used by their bank. I proceeded to explain that maybe some of those persons had their phone lines on family plans, which means only the main account holder shows up as the listed owner of the phone lines. He then put on a hold for a few minutes, and simply came back to say that my accounts would be closed and that my banking relationship would end inmediately. 



I believe that the service I received was unprofessional, and that the bank failed to provide me with the assistance I needed. I am extremely disappointed with the level of service that I have received from the bank, and I believe that this is a clear breach of the agreement between us. 
I have been a loyal customer of the bank for over 5 years, and I believe that my concerns should be taken seriously. Please let me know if you require any further information or documentation from me. 
I request that the bank provides a solution, such as an apology, compensation, or at least the immediate unfreeze of the money left in the account. I also request that you investigate the matter and take appropriate actions to prevent similar incidents from occurring in the future.Please let me know if you require any further information or documentation from me. I hope that we can resolve this matter quickly and amicably.