23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

writing to formally express my concerns regarding cash app handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using cash app numerous times and reporting discrepancies, my financial institution and cash app failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that cash app has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 

I want
Product: Mortgage

I have been dealing with Shellpoint for eight months trying to reconcile my loan payment history. I finally hired a person who owes and operated a loan servicing company to correct the loan history that I received from Shellpoint which costs {$3700.00}! In XXXX of XXXX I sent XXXX a letter requesting that they send me monthly mortgage statements. They refused because my loan was not reaffirmed after or during my bankruptcy. XXXX missed logged my payment on XX/XX/XXXX which cause all my future payments to be late. XXXX applied {$2500.00} to future interest in violation of Title 15 of the US code 1615 prohibition on use of Rule of 78 's. 
My loan servicing was transferred from XXXX to Shellpoint Mortgage Servicing in XX/XX/XXXX. XXXX received and cashed my XXXX & XX/XX/XXXX loan payments and did NOT transfer those two payments to XXXX. My loan was sent to Shellpoint 's collection department. I sent front and back copies of both these checks to Shellpoint by fax and email on XX/XX/XXXX and again on XX/XX/XXXX and it still took them over 60 days to apply them to my account. Shellpoint began their servicing with inaccurate records including due dates, loan balance and escrow account balance. They made errors in their accounting with my XX/XX/XXXX and XX/XX/XXXX payments. 
After having my loan history reviewed it shows Shellpoint has been over paid and already has funds to pay my XX/XX/XXXX payment. I am also due a refund of approximately {$1800.00}! I am a licensed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I have no idea how a individual with limited experience in mortgage loans or servicing could remedy their loan history with a servicer like Shellpoint. I feel I have been lied to, cheated and violated by Shellpoint 's servicing agents. They violated several laws and caused undo stress in my life! I will attach the corrected loan history and letter explain all the inaccuracies in XXXX 's and Shellpoint 's servicing of my loan!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

1

5 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
Product: Checking or savings account

Well i hsd an account with citibsnk but just the other day.they closed it which i understand they csn but i contacted them and let tnem know the timing of this is hurtimg me and begged them to alllow me time to withdrawl fundz cause all my bills are now due and all my money is tied up in that accpunt my ssXXXXi check goea into it and ir was.too late to change.it so.now.i womt get that. And they are tellling me 60.days well by.that time i will be homeless amd everything i.am.beggimg.them.to.help
Product: Credit card or prepaid card

My CareCredit card is being charged a card security fee that was not disclosed upfront. I had XXXX  XXXX done XX/XX/31 and went to take advantage of the 24 month promotional financing. I have since learned they are charging me roughly {$37.00} a month for this pricing, wiping out nearly half of my monthly payment to this. When I tried calling their customer service line, I am directed to a different number. When I try to call their office, I have no luck in reaching them. Its upsetting because this fee was not disclosed and has only began being tacked on since my new promotional financing ( bill for roughly {$2300.00} ) began. This should be illegal.
Product: Debt collection

Another " debt collector '' calling several times back-to-back, " XXXX XXXX XXXX '' called me XXXX times today. I do not know why the step up in harassment has occurred lately, but it is unacceptable. Please do something to ensure that owning a phone doesn't become an intolerable nuisance. They spoof local numbers to make it seem like they're a local caller. Blocking the number is useless because they will simply spoof another number, usually several within the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX aoount 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 states a customer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Personal information was sold to a collection agency. This is a direct theft of identification and violates terms of agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue getting a complete copy of my credit report from Factual Data.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which makes this unfair practices.
Product: Credit card

THIS WAS THE LETTER SENT TO CAPITAL ONE : Capital One Subject : Clarification and Evidence of Unfounded Accusation Dear Capital One Customer Relations, I am writing to address a matter of utmost importance regarding a recent incident involving unauthorized activity on my Capital One credit card. I recently received information indicating that my credit card was used for fraudulent transactions, both on XX/XX/XXXX, totaling {$400.00} ( {$100.00} + {$300.00} ). This credit card was issued after I required Capital One to replace my old credit card with this new one that offered some benefits. I want to clarify that this particular credit card was never delivered to my home. 

Firstly, I would like to direct your attention to the declaration provided by XXXX XXXX, a close friend and current host at the address XXXX XXXX  MD XXXX. Her statement corroborates the fact that I have been at her residence since XX/XX/2023, where I came due to business matters. Furthermore, XXXX confirms that we were together on XX/XX/2023, the day in question, for the entire duration. 

In addition to XXXXXXXX XXXX declaration, I have attached copies of my XXXX XXXX  statements for the period leading up to and including XX/XX/2023. These statements clearly indicate my presence in the area and my legitimate financial transactions, further solidifying my claim that I was here in the day that happened the unauthorized activity on my Capital One credit card in XXXX, FL. 


I kindly request that you expedite your investigation, taking into account the evidence I have provided. Please feel free to contact me at XXXX XXXX or XXXX if you require any further information or clarification regarding the evidence I have submitted. I sincerely hope for a swift resolution to this matter and the clearing of my name from any unfounded allegations. 

Thank you for your understanding and prompt attention to this issue.
Product: Credit reporting or other personal consumer reports

This is my follow up to resolve this issue, and I am extremely frustrated with the lack of response and resolution from your agency. I have provided documentation and evidence of identity theft in my previous attempts to resolve this matter. I am requesting that these fraudulent entries be removed from my credit report immediately. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and respond within 30 days. I have no choice but to escalate my complaint to you and seek legal action to enforce my rights. These are the following fraud items I want to be remove immediately from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

i took out a {$400.00} loan in XX/XX/2017 and have made {$120.00} payments on time biweekly since that time. XXXX weeks ago I contacted the company inquiring how to pay down the loan and was informed that any additional payments made at the same time as the original payment would be applied to the principal. I have been paying {$120.00} plus an additional {$200.00} for the last to payments and to date only {$37.00} has been applied to the principal. The company states that they have no way to apply the additional payments to the principal therefore they apply the entire payment of {$120.00} to interest and XXXX to principal from the additional {$200.00}. To date I still owe {$810.00} from a {$400.00} loan the principal has been reduced less than {$40.00}. The interest is 699 %. It would seem that if the entire original payment is applied to interest then there is nothing but principal remaining for the additional payment to be applied to. It is also contrary to what I was informed the process would be. I would not voluntarily pay additional money for additional interest payments. As of now I am paying {$120.00} plus an additional {$200.00} per payment for XXXX in total to be applied to the original loan amount of {$400.00}. I have been informed that I will pay the loan off earlier than anticipated in XXXX if I keep this rate up. Wow!
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported delinquent payments missed to my Credit Report. After the Vehicle was in there possession for months prior. Shared my Report with third Party. Violating my Privacy. 
Account # XXXX XXXX XXXX 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 : # 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 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 person knows or has Reasonable cause to believe the information was in correct.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

ACIMA DIGITAL FKA SIMP XXXX XXXXXX/XX/XXXX Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Product: Debt collection

This collection account just appeared in my credit report on XX/XX/2024. The collection company is Jefferson Capital Systems and it says the original account holder is XXXX. I have never opened an account with XXXX. I never gave anyone permission to open an account on my behalf.This is a fraudulent account and Identity Theft. I have never used my name, signature or government ID to open an account. I never received any products.
Product: Credit card or prepaid card

On XX/XX/2023 I purchased a small amount of fireworks from a temporary store located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana. The clerk verbally told me the total of {$35.00} and I paid and we left ( no receipt given ). On XX/XX/2023, I checked my bank account and saw the charge was for {$350.00}. I immediately drove the the store, but it had already closed up shop since the holiday had passed. I took a picture of the permit posted on the door, with a registration to VIP Fireworks and XXXX XXXX. I attempted that day to call the phone number associated with the store on XXXX, but no one answered. I immediately called the bank, Regions Bank to dispute the charge and filed a dispute with them. I received a denied dispute notification via mail on XX/XX/2023 that I needed to provide proof that I was entitled a refund. I have attempted to reach XXXX XXXX via email, social and even wrote letters to the addresses I had the ability to find for him, but my access to contact information for this individual is limited. I have been overcharged {$320.00}.
Product: Credit reporting or other personal consumer reports

OneMain Finance Corporation reported a late payment to the bureaus.
Product: Mortgage

My husband and I paid our mortgage on XX/XX/2022 using the mortgage statement that was sent to me by American Pacific Mortgage and the loan number provided on the statement. The mortgage payment has been deducted from my account. I called American Pacific Mortgage to confirm payment was applied to account because they didnt provide an online portal to review account. When I called I was told there was no record of an account in my name or my husbands name, I was told that mortgage number did not exist and that they have no record of a payment. I asked them how was that possible and I was told they didnt know and now my money is not accounted for and Im told we do not have an account but on all of our closing docs and our mortgage statement all have this loan number we were told doesnt exist.
Product: Money transfer, virtual currency, or money service

I initiated an international wire transfer with Bank of America to XXXX XXXX XXXX on XX/XX/2020 and was charged {$45.00} to do so. The money was not received by the Payee. XXXX XXXX attempted to investigate using the transfer information I provided : WIRE TYPE : INTL OUT DATE:XXXX TIME:XXXX ET TRN:XXXX SERVICE REF:XXXX XXXX : XXXX XXXX XXXX IDXXXX XXXX XXXX : XXXX XXXX XXXX ID : XXXX PMT DETXXXX XXXX WEBSITE DEVELOPMENT XXXX XXXX. 
XXXX XXXX requested an MT 103 form which I requested from my business bank representative who could not provide it and referred me to the toll free number where they did not have the information either. The XXXX XXXX  representative then wanted to talk to a representative from Bank of America so it could be sorted out, but my rep was not willing to do it and referred me to the wire transfer toll free number where there was not a way to assign a contact person ( they only answer calls ). 
I then paid for a wire trace : WIRE TYPE : BOOK OUT DATE:XXXX TIME:XXXX ET XXXX RELATED REF : XXXX XXXX  : COMMISSIONS IDXXXX PMT DET : INVESTIGA TION FEE XXXX XXXX for another {$25.00} on XX/XX/2020. 
I was told I should hear back in 2 to 3 business days. I still had not heard back and complained to my business rep 1 week after the trace. The rep, once again, did very little to help ... .. and referred me back to the toll free wire transfer toll line. In the meantime I was forced to pay the vendor {$4400.00} dollars to keep our project moving forward. 
I sent a written complaint 2 days ago and after pursuing the case again today, there is still no progress in finding the money. I'm utterly frustrated and feel powerless to recover the money. It has been 6 weeks and {$75.00} in fees to lose {$4400.00}, pay an extra {$4400.00} with a different bank + fees, spend hours of time on the phone only to receive terrible customer service. This is all without mentioning my embarrassment with the vendor who was working in good faith.
Product: Credit reporting or other personal consumer reports

XXXX Credit acceptance, account charged off on XX/XX/XXXX. XXXX  XXXX, charged off, currently under dispute XX/XX/XXXX. XXXX XXXX XXXX account closedXXXX. 
Credit acceptance, repossessed, XX/XX/XXXX, under dispute and past due as of XX/XX/XXXX, never mine. XXXX XXXX  XXXX XX/XX/XXXX, resold to another company during XXXX pandemic, under dispute due qualification of loan forgiveness, deferred and reported as past due as of XX/XX/XXXX. XXXX XXXX XXXX, collection opened XX/XX/XXXX, account in collection as XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, account charged off. XXXX XXXX XXXX, XX/XX/XXXX, account not mine, in collections with balance of {$1600.00} as of XX/XX/XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX, account in collections {$460.00}, does not belong to me. there are also XXXX XXXX XXXX evictions listed on my public record due to being a working nurse during global pandemic. attached is FTC report
Product: Credit reporting

My plant is with Equifax Equifax is not following fcra regulations they claim that my credit file has split into two different credit files and it makes it very challenging to obtain the correct information I advise on numerous occasions that there is incorrect information on my credit report I 've sent documentation and they 're requesting documentation over and over again it is extremely frustrating
Product: Credit reporting or other personal consumer reports

In XXXX, XXXX, XXXX, and XXXX, I discovered Experian, XXXX XXXX, XXXX, XXXX XXXX, etc. breached my trust selling personal, sensitive, and credit information to foreign entities damaging my credit history. XXXX XXXX XXXX XXXX XXXX XXXX ( A ) mention companies violate laws reporting information to consumer reporting agencies. I read a person shall not offer any information to any consumer reporting agency if the person knows, or has reasonable cause to believe, the information is inaccurate because that is a violation of privacy. XXXX XXXX XXXX XXXX B XXXX ( a ) states, no entity can list information in my consumer report without my written permission. XXXX XXXX XXXX ( a ) reports information offered without my written permission is identity theft and listing inaccurate and personal information is illegal and must be removed at once due to non-validity. I presume that no proof of the alleged debt exists. Also, on XX/XX/XXXX, XXXX of Resurgent Special Services reported ( XXXX ) accounts originally from with XXXX  XXXX, last reported properly on XX/XX/XXXX, yet, the Credit Reporting Bureaus listed above have not properly reported CURRENT information with a higher XXXX XXXX. 

It is unfair agencies write off debts decreasing their tax burden when unfairly increasing mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Limit Lowered with no justification after complaint filed with XXXX. They have intentionality targeted me as a direct result of compliant filed.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove these accounts before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$580.00}, XXXX XXXX XXXX XXXX. {$1300.00}, XXXX XXXX XXXX XXXX. {$7000.00}, XXXX XXXX. {$1200.00}, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent instructions.

15 USC1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the fair Credit Reporting act XXXX Account XXXX, has Violated My rights.15 U.S.C 1680 section 602 A. States I have the right to privacy.15 U.SC 1681 Section 604 A Section 2 : It also States a Consumer reporting agency Can not without my written Instructions.