23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We serve as personal representative for the estate of a homeowner with a Shellpoint mortgage. 
The home is under contract to sell. We have been requesting a payoff quote for the title company for weeks. 
I have called XXXX times. Each time Shellpoint says they will send it in XXXX to XXXX hours. It does not arrive. When I call Shellpoint, they say they have no idea why it doesn't get sent, and order a new one, which never arrives. 

There is something very wrong at this company. Their actions are threatening to cause a breach of contract.
Product: Money transfer, virtual currency, or money service

I sent a {$1000.00} to a friend through XXXX money transfer on XX/XX/2018. The transaction appeared to be successful but up till now my friend did receive it. I called the Bank of America from where the transfer was made they insisted that it was done by XXXX online and that it was not their problem. I contacted XXXX, who insisted that the sent the money and gave the confirmation number. But my friend contacted her bank, XXXX XXXX who said they did no get the money until now. I suspect fraud and want my money back. XXXX asked to file a complaint with you and that is why I am doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe equifax did not read complaint XXXX because their response had nothing to do in regards to my complaint they gave a computed response as if my complaint was about inaccuracies but equifax is instead giving me a hard time to give me my credit file I even gave a state issues identification but their disregard to even read and accurately reply is huge red flag to me as a consumer. I did everything in good faith and this company is starting to show fraudulent behavior.
Product: Debt collection

On XX/XX/2018 I called Diversified Consultants to ask about a debt they claimed I was responsible for. I never received any notice about this bill the only knowledge I have is on my XXXX and XXXX report. I called to ask if I were to pay a debt they claimed is mine can it be deleted off all reports. The lady XXXX told me no. She did not even offer me a reference number. The next day I called again and spoke to XXXX XXXX. He said he did not have any record of my previous call. This is not fair for me as a person to have a collection on my credit reports and did not receive a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX Balance : {$0.00}
Product: Credit card

I am writing to dispute the denial of my credit card application by American Express and to request a reconsideration of this adverse action. My application was submitted in good faith, and I believe the denial is unjust and discriminatory. 

I am asserting my rights under federal law, specifically 15 USC 1602, as the original cardholder and holder in due course. The adverse action has caused financial hardship, compounded by unauthorized credit card use post-denial.

I demand a prompt resolution and the reopening of my credit accounts, as well as rectification of the adverse action on my credit report. Failure to address this matter may result in further legal actions, and I am prepared to file a formal complaint with the Consumer Financial Protection Bureau and the Attorney General if necessary. 

Thank you for your immediate attention to this matter. I expect a timely response and resolution. 

Sincerely, XXXX : XXXX the date of this letter written to them was XX/XX/2023 and I have yet to hear from american express regarding this matter
Product: Money transfer, virtual currency, or money service

I have been having difficulty attempting to link my account with Pnc to my XXXX XXXX mobile app account. Currently have been unable to link accounts in order to transfer funds. I have discussed issue with pnc rep and still awaiting effective support form XXXX.
Product: Credit card

This complaint is about the failure of the CFPB to perform their due diligence regarding complaint ID # XXXX The response provided by the creditor ( AMEX ) does not address or acknowledge that they contacted me to collect a payment on my American Express Gold card PRIOR to the payment due date and PRIOR to the development of a minimum payment amount due. 

When the creditor called me to collect a payment the account was NOT PAST DUE and did not have a payment due at the time of their call. I had PERFECT payment history prior to their abusive and insulting collection practice. 

The cardholder agreement establishes a payment due date. American Express breached this contract agreement when they called me and asked for me to make a payment on my account BEFORE a minimum payment was even due. Their response to the initial complain I filed only addresses their right to cancel the account, even if I pay on time and as agreed. Their response DOES NOT address the fact that they attempted to collect a payment from me before a payment became due according to the cardholder agreement. 

AMEX made up their own rules and decided to call me to collect a payment at their discretion. The purpose of a payment due date is to establish an agreed upon payment due date. AMEX BREACHED this agreement and therefore I stopped paying on the credit cards. They CFPB failed to listen to the calls from XXXX of 2023 and investigate the creditor for wrongdoing. I also was physically injured in XXXX of 2023 and am investigating if this creditor is responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a Covid forbearance program with Mr Cooper Mortgage which ended XX/XX/2021. I was told that if still affected by Covid, my only option afterwards would be a loan modification. Also, that it would take 30 days and if approved I would not have to make a payment until a decision was made. I have applied for a loan modification on my other houses and have always been approved. I assumed it would be the case here but I was rejected on XX/XX/2021 and told they would be reporting me late for XXXX. Keep in mind, I applied in XXXX. The reason for the rejection was that the property is a rental not owner occupied. Thats one of the 1st questions they ask on a forbearance or modification application. Why would they string me out for that long? First of all, it took longer than 30 days and I was never told to make a payment in XXXX while I waited. 

This will negatively affect my credit and I am trying to avoid that. I just made XXXX payment in the amount of {$1100.00} in hope they will send a notice to the credit reporting bureaus or not report me negatively. I was told there is nothing they can do. I think this was a major misunderstanding ; I was not given the correct information and it just took too long to process my application
Product: Credit card or prepaid card

I was involuntarily laid off from XXXX XXXX on XX/XX/2019. I recently contacted Macy 's XXXX XXXX to inquire if I had credit protection benefits with my card. I was advised on XX/XX/XXXX that I did and given reference number XXXX. Rep stated that I should receive mail in 10-15 days for next steps ( where to send in information, etc ). I requested to receive by email and was told 3-5 days. I called again on XX/XX/XXXX and s/w XXXX and was given another reference number XXXX. I requested for a supervisor and was told none available and that someone would call me in 24-48 hours. I have yet to receive a call back. This rep could not locate any information from the previous rep. I called again XX/XX/XXXX and s/w supervisor XXXX who once again could not provide any information and stated that she would send request to resolution team. Today I receive a letter in the mail dated XX/XX/XXXX, stating " Dear customer, we are in receipt of your request regarding your recent inquiry and your request is currently under review. Please allow up tp 30 days to complete this review. We will contact you once our review is complete. 

When I called today, the rep transferred me again to XXXX who was unable to provide any information. 

I am getting the run around as if they not want me to utilize the benefit. No form to complete, no call back, no information from anyone on why it is taking so long to receive paperwork to initiate this process. Yet, I am still unemployed and required to continue to make payments while someone reviews my claim. However, as of today, no claim has been submitted because no one can tell me if /when I will receive it. This is very frustrating and stressful. I need help in getting this resolved. I am unable to continue making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has a XXXX dollar balance due. This false reporting of lates is seriously harming my credit and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I have not been able to send money are receive money at all I try to make a new account but can not get it to work
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to inform you of the Bankruptcy inaccuracies, HIPPA Violations, inaccuracies, errors, and Violations on my consumer report. I mailed the letters to the Bureaus ( transunion, equifax, experian ) on XXXX XXXX 2021/XXXX XXXX, 2021/XXXX XXXX, 2021 and I have not received any response to this matter from Equifax, Transunion nor Experian. They havent responded nor input a Notice of Dispute within the 30 day time frame. Please assist in getting this matter resolve because they have not replied within 30 days. As a result, thats a violation. Thats protection under the FCRA Section 623 and that {$1000.00} fine.
Product: Debt collection

This company Source Receivables Management is trying to collect {$250.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Source Receivables Management with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Source Receivables Management. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Source Receivables Management. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Equifax about a chapter XXXX bankruptcy on my credit report. They sent back a letter saying it was verified as accurate. I called XXXX XXXX XXXX XXXX AND XXXX XXXX, XXXX, AL AT PHONE NUMBER XXXX AND ASKED if EQUIFAX VERIFied A BANKRUPTCY THREW THEM AND THEY INFORMED ME THAT EQUIFAX DID NOT CALL THEM AND IF THEY DO NOT REPORT TO THE CREDIT BUREAUS and they did not give permission to any 3rd party company to release this inaccurate information and it need to be deleted. Equifax is not metro 2 compliant because it is inaccurate information on my report and I have attached a document showing this information. my attachment show Equifax listed a date filed as XX/XX/XXXX. theyl year is only XXXX so how did I file in XXXXthis shows they lied about this reporting and this incorrect reporting need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported FRAUD numerous times to the companies that are reporting negative results to the credit bureaus. They are refusing to remove ALL these negative collections from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card account that's been unused by me with a particular company and it has continuously reported a maxed out balance to the 3 credit bureaus who i've also contacted over phone and mail explaining the inaccuracy of my report. I notified the bureaus that the balanced amount being reported is not correct and way past inexcusable to accept and needs to be fixed down to 0 or removed because I owe nothing. The bureaus apparently contacted XXXX and they reported a total different number then what they first reported. The bureaus caught this and quite fairly removed XXXX account from my report, but only to reinsert it just a couple days after and this time with a new different balance, credit card still being maxed out.

So in fairness to myself and millions of others who rely on these credit bureaus to report only accurate verifiable information, by fcra law, they were suppose to notify me within 5 days for reinsertion of a previously deleted account. In which I never received any such notification, [ this account needs to be deleted once and for all, immediately ]. I will upload documents showing different balance amounts being reported and also the account being deleted then reinserted ... Unfair illegal practices, done by both the credit bureaus and creditors, hindering the consumer from obtaining further credit.
Product: Credit card or prepaid card

About a little over XXXX year I went to my bank ( Citibank ) to do a regular transaction with them while being there they offered me a Credit Card to help build my credit since I didn't have one. I asked that if I could move a balance from another account to this card and they said that it was not a problem. When they offered me that card and that in was interest-free for as long as I paid my balance on time each month. So I received my card, and started paying the balance each month on time to avoid this. To make things a lot easier on me, I decided to enroll on autopay to so I wouldn't forget each payment. For months I saw that the payments was going thru w/o a problem. A few months ago I started noticing that my balance was NOT going down despite the fact that I was paying the minimum amount which was anywhere between $ XXXX to get this balance down faster. Well it turns out that despite me being responsible for this long the bank was charging my a " interest fee '' for having the card and I was never told this. I found out when I checked online that they were charging me around $ XXXX dollars each month for this " interest fee '' even though I had already paid on time every single time. I called the bank and they said that it was an interest for having a debt with the bank which it was NEVER explained to me. Had I known that I would have never agreed to this. I asked their representative since when they have been charging me for this and he said that since late XXXX. I was floored, no wonder my debt never went down even though I was paying responsibly each month around {$90.00} dollars. To me this is completely illegal, I was never informed about this by the bank nor I received a letter or email regarding this. I asked the bank to reimburse me all that money and they put me on hold a few times but the phone call never went thru. So I feel like they are not taking responsibility for this. I would have paid that card basically in full if they didn't charged me all those outrageous fees for so long. Here I am paying on time, being a good citizen, not missing a single monthly payment so the bank can easily rob my money without my consent. I need to for the bank to reimburse me all that money. I appreciate your help in advance. Thank you.
Product: Debt collection

Refer to closed complaint XXXX. 

Critical Resolution Mediation agreed to refund the customer the {$300.00} they collected, without requirement to admit any wrongdoing. Customer contacted our company to advise that he is yet to receive the {$300.00} and asked that we intervene once again. 

Consequently, we are opening a new complaint and not only do we expect that the {$300.00} owed to the customer is remitted, we are reinstating all late fees and service charges that were previously conditionally waived for Critical Resolution Mediation as well as all unbilled late fees and service charges that are owed. We have decided to cap these fees at {$300.00} for simplicity 's sake. 

Critical Resolution Mediation will immediately remit to XXXX XXXX to his address on file or to our office payable to him in the amount of {$300.00}. 

Critical Resolution Mediation will immediately remit to XXXX XXXX XXXX to our address a separate payment of {$300.00} for aforementioned fees. 

This time around, we won't be waiving any fees. We also will not wait very long before we open complaints with the Attorney General of your state, XXXX XXXX ' state, and our state against Critical Resolution Mediation. Additionally, an FTC complaint will be filed. We will also assist XXXX XXXX in filing an individual lawsuit against Critical Resolution Mediation. We will also form a lawsuit, and we will further be the Lead Plaintiff ( or designate XXXX XXXX to be ) for a CLASS ACTION LAWSUIT. 

This is the phase that only you see what we've typed. Any future actions will become public domain within the confines of the laws of all of our respective states as well as federal law. 

TOTAL TO BE REMITTED : {$600.00} XXXX XXXX ' PORTION : {$300.00} XXXX XXXX XXXX ' PORTION : {$300.00} ALL CAN BE REMITTED TO THE CORRECT PAYEE TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Preferably, {$300.00} should be mailed to XXXX XXXX directly. 

FOR COMPLIANCE CONFIRMATION, YOU ARE TO EMAIL US THE CHECK NUMBER, AMOUNT, AND DATE OF MAILING ( AND LOCATION MAILED TO ) FOR BOTH CHECKS. 

IF ALL AMOUNTS ... ALL ... AMOUNTS ... ARE NOT REMITTED AND RECEIVED BY XX/XX/XXXX, WE WILL ALL MOVE FORWARD WITH LEGAL ACTION AS OUTLINED ABOVE! 

Again, the {$300.00} in fees is not negotiable. You caused expenses to our company needlessly at the onset and throughout. We gave you the chance to resolve it responsibly. You are now subject to OUR terms. 

Be advised, we have already gathered numerous names and addresses of victims of Critical Resolution Mediation and have documented their experiences in preparation for anticipated actions to take place. We WILL see this through to completion if you do not do as agreed and instructed. We CAN get you shut down relatively quickly. I am not the guy to challenge, this is not the company to challenge, and XXXX XXXX shall not be victimized any longer or he too shall receive substantial compensation from you! 

There is nothing to discuss. Resolve and confirm. XX/XX/XXXX is FIRM. XX/XX/XXXX is action day.
Product: Debt collection

Portfolio Recovery has been calling me and all my family members on their cell phones continuously. They are calling my home all day long. I have tried talking to them, but are rude and not willing to listen. This is over a ten year old account, when I was laid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Money transfer, virtual currency, or money service

In late XXXX of 2023 I made a wire transfer from my local bank, XXXX XXXX XXXX  for {$15000.00} payable to a business associate who's business account is at Wells Fargo. The wire did not process in a timely manner and he was given multiple reasons why it could not be credited to his account. He was told that it was notmal XXXX hours processing time and then XXXX hours and then XXXX due to heightened security since th XXXX XXXX XXXXXXXX. They told him that they needed to determine the reqason for the funds ( easikly determined as an investment ). After repeated attempts to receive an appropriate response as to why the extended delay, all communications from Wells  Fartgo ceased, I am including the transcript of my messages with my associate XXXX XXXX XXXX in addition to the wire instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax ( credit bureau ) on XX/XX/2018 requesting a 'free ' copy of my report since I was denied a XXXX credit card ( XXXX ). XXXX provided the Equifax address when I contact Equifax. Equifax has not replied or responded to my request, and since they have my current data in file, so no need to 'update ' anything to provide my report. There is a Federal Statute that Equifax ignores. There is a class action suit, and numerous government actions pending against them already. Maybe a local civil suit is in order too? 
It may help to Reference Appt # XXXX from the XXXX correspondence. 

XXXX Today : XX/XX/2018
Product: Debt collection

i have sent several letters and hired credit repair company they say i owe {$490.00} however this was a secured card and i gave them a security deposit of {$300.00} so the balance owed should only be {$490.00} they never applied the {$300.00} security deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last payment was made XX/XX/XXXX and the default was 30 days later in XXXX. 
The lender is attempting to make it appear the last payment and default are more recent. 
They show I was 60 days late in XX/XX/XXXX. 
This is not the first time the lender has done this. My score dropped XXXX points.