23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2021 I had my bank XXXX XXXX XXXX XXXX electronically pay for my XXXX XXXX, 2021 payment to AFR, serviced by XXXX  XXXX. The payment was in the amount of {$3000.00}. 

My account was sold to XXXX, serviced by XXXX XXXX on XXXX XXXX, 2021 per AFR. I did not receive correspondence in the mail until after I had made this payment. All the letters came long after my payment was late even though they were dated prior. 

AFR claims XXXX XXXX, 2021 ; and at least XXXX other time around XX/XX/XXXX and XXXX, 2021 that they accepted payments on my account until XXXX XXXX, 2021. 

AFR only transferred my initial payment made to them which they show posted and cleared to their account on XXXX XXXX, 2021 which was intended to satisfy my XXXX XXXX, 2021 payment. 

XXXX XXXX, my new servicer has been contacted several times, most recently on XXXX XXXX, 2021 where XXXX XXXX from AFR and a female rep from XXXX XXXX which ended with a fourth promise from AFR to send the payment to XXXX XXXX. This time however, a the female XXXX XXXX Representative said she would note the account that AFR agrees they have received my payment intended for XX/XX/XXXX in the amount of {$3000.00}, that it had cleared my account, and that they would arrange to have it sent. 

At the beggining of XXXX I also forwarded a copy of my bank statement and the check showing it had cleared to XXXX XXXX so they could follow up with AFR. They also never did. 

My concern is, this has been said to me since the beginning of XXXX by AFR and they have done nothing about it, but make promise to do so. 

Both AFR and XXXX XXXX are reporting incorrectly. 

The payments made for my mortgage are as follows : XX/XX/XXXX $ XXXXAFR ( Meant to satisfy my initial payment due on XX/XX/XXXX ) XX/XX/XXXX $ XXXXAFR ( Meant to satisfy my payment due on XX/XX/XXXX ) XX/XX/XXXX $ XXXX XXXX ( Meant to satisfy my payment due on XX/XX/XXXX ) XX/XX/XXXX $ XXXX XXXX ( Meant to satisfy my initial payment due on XX/XX/XXXX ) Can you please help me with making AFR do the right thing and forward the payment. 

I have spoken to XXXX managers at AFR, all who promised to fix this and did not.
Product: Mortgage

On XX/XX/XXXX I called into Shell Point Mortgage to ask about an property tax refund that was in the escrow account since XX/XX/XXXX ( {$8500.00} ).  They said that they would take care of it and send me a check right away. 
I hear and see nothing for weeks so go through their chat service on XX/XX/XXXX. They said they had to evaluate the escrow balance and then send the surplus. 
I get a mail response on XX/XX/XXXX saying that they will refund me {$7700.00} and that the check was included in the piece of mail. It was not. They included a sample fake check which I can not cash. I send them another message on XX/XX/XXXX but it's an email since their hours of operation are closed ( no phone, no chat ). 
On XX/XX/XXXX I receive a letter in the mail saying " due to the complex nature of the matter '' that they request more time to fully respond to my inquiry. The letter was dated on XX/XX/XXXX. 
Shell Point Mortgage has repetitively put off giving me my money and has held onto it for 2 months. They had it for a month and didn't mention anything to me or send a refund.They said they sent a check and the account says it's gone, but they didn't send a check and instead send a fake sample check. They are avoiding paying me and paying me interest since there is no check and they are hoping I don't notice and they have to send a new check. They are abusing me and my money. 

NewRez LLC dba Shellpoint Mortgage Servicing XXXX. XXXX XXXXXXXX XXXX, SC XXXX Main Office NMLS ID # XXXX NewRez LLC dba Shellpoint Mortgage Servicing XXXX, TX Branch Office NMLS ID # XXXX
Product: Credit card or prepaid card

XX/XX/XXXX To whom it may concern : I would like to file a complaint against Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Today I received the attached letter from Comenity Bank, and what they continue to do to slander my credit should be illegal. 
I have had no dealings with ComenityXXXX since XXXX of XXXX. 

And from that time to present, on a monthly basis, Comenity has continued to request copies of my credit files, as well as continue to report information that is inaccurate so as to destroy my credit rating. 

XXXX, and XXXX, I had complained about this issue, because they continued to put false balances owed onto my credit files, as well as, to report false status dates so as to make it seem as though I had, had recent credit activity with them. 

I do not owe this fraudulent balance {$1600.00} that Comenity has passed on to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Comenity Bank ran up that fraudulent balance with their usury fraudulent charges, and fees. 
They claim to have charged off an account on XX/XX/XXXX, this is not true. 

On my credit files, for at least a year beyond XX/XX/XXXX, Comenity was placing over {$100.00} in charges, and made-up fees onto a balance that they were running up. 

Since XXXX to present, my credit files were being dinged twice for duplicate false information. 
This treacherous Credit card company would pass on their lies to collection agencies who would report onto my credit files, and Comenity would report the same false information as well. 

And now they have passed on information to the above-named entities, who are willing to continue the deceptive practices of Comenity XXXX XXXX XXXX 

I have previously complained about Comenity XXXX XXXX  who has now rebranded under the name of XXXX XXXX. 

In checking the XXXX, I have found that they have an ALERT, for Comenity, and they have XXXX complaints since the last 3 years, and what each and every one of the consumers have complained about, I have experienced it all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my consumer report which has caused severe XXXX and anxiety upon me. In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX and XXXX has violated my rights : -15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.
Product: Credit reporting or other personal consumer reports

To whom this XXXX concern, The response to your research is something I strongly disagree with. The following inaccurate information is still on my credit report even after your examination. There are good reasons why I ask that these things be looked into again right away. The impact of these errors on my XXXX XXXX is substantial. 
Furthermore, I require tangible proof of the information being validated rather than a computer-generated affirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D.

Could you please supply the following? 

For me to follow up, please include the names and business addresses of all the people you checked the information with. 
The date that you got in touch with each information provider. 
the communication channel that was utilized to confirm the data. 
Additionally, I would like to know if the furnisher gave you my address, XXXX, or XXXX. 

Please send me an updated credit report after you've finished your inquiry and made the required changes.
Product: Credit reporting or other personal consumer reports

TD AUTO FINANCE is reporting an inaccurate debt charge off and have failed to provide the required 1099-C as required by the Internal Revenue Code 26 USC 6050P in order to support the charged off amount. TD AUTO FINANCE has also failed to provide the required accounting and does not have written permission from the consumer to report ANY personal financial information to the credit reporting agencies. A demand for removal has been made.
Product: Checking or savings account

On XXXX XXXX I went into XXXX on XXXX XXXX to get {$250.00} off my card. On a {$10.00} bill came off. It was a cashier was standing right there. I called chime. They file a dispute. A month later I received a email saying that they didn't see a error. 
I spoke to them the other day look at the dates. They just changed the date on the paper.
Product: Credit reporting or other personal consumer reports

This is to follow up to request the immediate removal of several fraudulent items that persistently appear on my credit report. These fraudulent items have been inaccurately affecting my credit score and financial reputation. The fraudulent items include This account has never belonged to me, and I have never authorized any transactions or services associated with it. It has been fraudulently reported on my credit report, and I request its immediate removal. have never had any dealings with this account, and it has been fraudulently reported without my consent. I demand that it be removed from my credit report promptly. This account is entirely fictitious and has been added to my credit report without any legitimate basis. It is imperative that it be removed to prevent further damage to my creditworthiness. I have taken several steps to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items, and filing a police report. I have also initiated a fraud alert with the credit bureaus to protect my credit file from further unauthorized activities. In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you investigate and rectify these fraudulent items on my credit report immediately. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If the information is found to be fraudulent or inaccurate, I request that you provide me with an updated credit report reflecting the removal of these items. Please help me remove these items immediately : 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/2020 2020
Product: Credit card

TomoBoost : Their service charges a monthly fee to report a minimum credit balance of {$5000.00} on credit reports. This did report the XXXX month in XXXX XXXX. It did not report as it should in XXXX, XXXX, or XXXX. I wrote an email and requested my account be closed and requested a refund of fees. Email is the only way to contact them. I received only what seemed like AI generated responses and my account was not closed. 
Their phone number does not take calls. 
My account was not closed and I was charged again in XXXX. 
I have emailed several times this month without success.
Product: Money transfer, virtual currency, or money service

I had posted an advertisement on XXXX looking for a roommate. A person named XXXX XXXX ( XXXX, XXXX ) reached out to me via email that he is looking for accommodation for his daughter and is interested in it on XX/XX/XXXX. He mentioned that his daughter XXXX XXXX ( XXXX ) would be moving in XX/XX/XXXX and sent her ID proof ( passport ). I had requested an amount of XXXX $ for the rent ( XXXX for XX/XX/XXXX to XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX rent - XXXX $ ). He sent me a check for XXXX $ via email on the same day and asked to do a mobile deposit and I did and asked me to deduct the rent amount ( XXXX $ ) and send the remaining amount ( XXXX $ = XXXX $ - XXXX $ ) via Chase XXXX to a specific contact number of XXXX ( XXXX ). On XX/XX/XXXX the check got cleared and I received the funds. On the same day, I sent XXXX $ through XXXX to the above number. On XX/XX/XXXX I sent the remaining XXXX $ through XXXX to the same number. On XX/XX/XXXX the check for XXXX $ was recalled back and the funds were removed from my account. I called Chase and they mentioned that the depositor had requested for the check to be recalled. I don't know how Chase permits to recall checks that are already cleared. 

I have filed a police report in XXXX, Washington and the investigation in ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft and you all keep giving someone premission to use my chexsystem info to open and inquiry about new accounts. I need to dispute everything on my chexsystem report because I have n't open or tried to open any accounts. I have a lot of inquires that I did n't authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Is the prvious complaint that I made to Equifax to have a fruadlent inquiry removed from my credit file. 

Per that complaint the section of the FCRA that requires once all correct documnets ahve been received they have 4 business days to remove the fraudulent inquiry. 

I printed a copy of their credit report and the fraudlent information is still on the credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

National credit systems has and Incorrectly and inaccurately placed a collection on my credit and consumer report. This event happened and XXXX at the beginning of the pandemic. The company that reported the debt to the collection agency stated that they no longer have any knowledge of needing to pursue a debt collection from me. I reported this to national credit systems and try to get credit repair help and they have violated my rights as a consumer and my violated my privacy. This stat is not accurately reported on all three bureaus it's false and it is needs to be removed. Please investigate this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

So contact Banana Republic after discovering that hard inquiry on my reported to credit bureaus. Which I was unaware at that time. Then realized that this was result of misinformation that was given by a sales associate that had assure my what she was doing a soft inquiry to see if I was offered a credit increase which would consider as a soft credit since I already had a Gap Store Credit Account already. I made myself very clear when ask about processing as a hard inquiry & sales associate response was this is soft credit that would not cause drop in score. I explained I didnt want anymore hard inquiry because recent inquiries that were on my credit report. I acknowledged prior that I already had a Gap credit card that can be use already at Banana Republic & Old Navy. So only if was XXXX ( aka XXXX XXXX ). But taking advantage as well as deceived by the sale associated who manipulated that situation by given inaccurate information regarding inquiry. I connected merchant in order for this issue to get resolved, but XXXX attempts ( XX/XX/21, XX/XX/21, & XX/XX/21 ) which I was transfer to credit issues department which had then spoken XXXX then XXXX. Then I attempted to reach out to them again & was told that a compliant/report was issued to be corrected information regarding the unauthorized credit reporting. I also had similar issue wXXXX XXXX XXXX when I change my mind before credit was ran, I was told that she suspend the application then it should fall off or removed for incomplete application which takes XXXX hrs. But instead it wasnt which had resulted it being reported as a hard inquiry on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I wrote to XXXX, Equifax , & XXXX  informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. University Of XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 XXXX  & Equifax Informed me that the items were verified. Which is through a the XXXX system. I got nothing in writing stating who XXXX  & Equifax spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. XXXX  never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.
Product: Debt collection

On XX/XX/year> I received a call from Diversified Recovery Bureau, LLC about account number XXXX which is a debt account from XXXX in which was already Paid and taken off of my credit report on XX/XX/year>. By my knowledge and understanding according to code XXXX XXXX XXXX ( b ), ( c ), ( d ), ( g ), ( j ), ( m ). I understand that my consumer rights were violated due to the debt collecting agency having my personal information without my consent or hard copy signature written by I, personally. I dont want this company calling harassing me, emailing me, or sending me letters by mail. Any further attempts to contact me Id like to sue. By my personal information being sold illegally Id like to have this debt cleared or go to court to sue for XXXX XXXX a violation on this issue and further issue.
Product: Debt collection

I have no idea who CREDIT BUREAU ASSOCIATES, INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CREDIT BUREAU ASSOCIATES, INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CREDIT BUREAU ASSOCIATES , INC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ CREDIT BUREAU ASSOCIATES , INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to CREDIT BUREAU ASSOCIATES , INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Gramm Leach Bliley Act Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX requested pay and representative provided current balance that included interest that has not accrued. The representative would repeat the XXXX interest rate and state it is what I signed up for. I have already paid XXXX, XXXX on a XXXX, XXXX loan. I am not understanding why I am paying for interest that has not accrued.