23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I sent a payment via check which was cashed by the credit card company on XX/XX/2020 but never credited to my account.
Product: Money transfer, virtual currency, or money service

I need to close my account, for that I must have it at zero, but they won't let me withdraw the amount from it due to an internal restriction
Product: Mortgage

I purchased two properties in XXXX in the Virginia area. My loan was sold to the Mr. Cooper Mortgage Company. The transaction was uneventful and I did not miss any payments. In XXXX, I received a notice from the Mr. Cooper Mortgage informing me that I did not have insurance on the properties and that they would be placing forced insurance on the properties. My insurance company, the XXXX XXXX XXXX XXXX, provided proof of insurance for the second time and I attempted to make my regularly scheduled payment. The auto- pay system on the Mr. Cooper site would not accept the regular payment and forced me to make a double payment under protest. Their system erroneously said that I was behind in my payments. Despite the double payments being made, they monies were not applied. Several months later, the overpayment was refunded to me. However, the false information still reflects that the payments were unapplied. It is worth noting that despite these errors in XXXX, I did not miss a payment. 

In XXXX, I received a notice from Mr. Cooper informing me that my insurance had expired in XX/XX/XXXX and that they were placing forced insurance on the properties. I provided proof of current insurance and made a payment via the online services. The next month, I received a second call from the mortgage company indicating that I did not have proof of insurance. I again notified my insurance company, XXXX XXXX XXXX, and was informed that the Mr. Cooper Insurance Company had been provided proof of my coverage in XX/XX/XXXX. My insurance company again, provided proof of my insurance for a third time. I attempted to make a payment and was alarmed to see that Mr. Cooper now claimed that I owed over {$30000.00} in mortgage payments. Despite the fact that I provided proof for a fourth time and never missed my regularly scheduled payments, i am still receiving harassing phone calls from Mr. Cooper claiming that my payments are in arrears. I accessed their electronic system on XX/XX/XXXX and this incorrect information is still reflected. 

My supporting documents have identifiable information such as my loan number and name. I will gladly submit this information to you upon your request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX is falsely reporting a bankruptcy on my credit report and they have put the data furnisher being the US BANKRUPTCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX  and XXXX. I have attached a letter from the US Bankruptcy Court verifying that they do not provide this information to the credit reporting agency nor do they verify or validate this information and I also have a letter from XXXX XXXX having removed the bankruptcy from my credit report.
Product: Mortgage

Complaint # XXXX Questions : 1. When did XXXX XXXX first pull XXXX XXXX credit report? What was XXXX comments on her credit score? Did XXXX XXXX tell XXXX XXXX to inform XXXX that her credit is not good enough and there is a possibility that she might not get the interest rate she wants or worse she might not get a home loan? 
2. What was XXXX XXXX FICO score the first time XXXX XXXX ran her credit report? 
3. Did XXXX XXXX provide a copy of XXXX credit report to XXXX XXXX to give to XXXX? 
4. Did XXXX XXXX receive any relevant information regarding the townhouse in XXXX, California from XXXX XXXX? If so when? 
5. Did XXXX XXXX provide any loan and/or mortgage disclosures to XXXX XXXX to give to XXXX XXXX? If so, what are they? 
6. Can you ask Stonegate to get copies of XXXX and XXXX XXXX email communication relating to the home loan application of XXXX XXXX? 
7. Are there any disclosures that XXXX XXXX should have provided to my sister prior to writing the pre-approval letter? 
8. Can you ask Stonegate to provide a copy of their SOP in pre-approving a borrower in XX/XX/XXXX? 
9. Attached herewith is a copy of XXXX XXXX email to XXXX XXXX on XX/XX/XXXX. Can you confirm from XXXX XXXX if he wrote the attached information, emailed it to XXXX XXXX and asked XXXX XXXX to discuss it with XXXX XXXX? 
10. XXXX XXXX convinced my other sister XXXX XXXX XXXX XXXX XXXX and her husband to apply for a home loan through with Stonegate Mortgage as well. XXXX XXXX and her husbands pre-approval letter is dated XX/XX/XXXX. XXXX XXXX and her husband submitted their financial documentation to Stonegate weeks after XXXX provided hers to XXXX XXXX. But XXXX pre-approval letter has a date of XX/XX/XXXX. Thats a week later than XXXX XXXX pre-approval letter. I also noticed that the font used in XXXX pre-approval is different from XXXX. This makes me suspect that XXXX XXXX forged XXXX pre-approva letter. XXXX told the truth when he spoke with XXXX XXXX around the last week of XX/XX/XXXX. XXXX said I never gave you a pre-approval letter. But he changed his statement after XXXX asked him for a written statement. Why is XXXX protecting XXXX XXXX? Did he receive money from XXXX XXXX? Did XXXX XXXX bribe XXXX? Did XXXX go along with XXXX XXXX dishonest plan because of fear that XXXX XXXX will not refer XXXX XXXX XXXX XXXX and her husband for a home loan application? 
11. XXXX XXXX told XXXX that her loan was not approved. Where is the letter from Stonegate dated XX/XX/XXXX that says XXXX credit is so poor that her loan was not approved?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to refinance my mortgage and found a credit hold not authorized by myself on my credit report. I tried to call Transunion but they will not take a phone call and I could not navigate their website. They need to have a life person to fix a problem that they caused since I never authorized a freeze on my credit report.
Product: Debt collection

I'm formally notifying your company to rectify this within 10 days, or I'll file a complaint with the FTC. You're legally required to respond within 15 days, and failure to comply puts you at risk of fines up to {$1000.00}. Please send me the investigation results for XXXX XXXX XXXX XXXX within 10 days to avoid further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXXXXXX XXXX account : Please remove all of the inquiries as stated above, as they are listed below from XXXX report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.
Product: Credit reporting or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE AN ERROR XXXX, XXXX MISSINGINFORMATION. THIS ACCOUNT WAS NEVER VERIFIED ERROR FRCA XXXX PLEASE DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Debt collection

I have insurance with XXXX, tests were done by my doctor and sent to XXXX XXXXXXXX XXXX  had one letter wrong in my insurance group ID number,, so Insurance denied claim. I called numerous times quest and had my group ID number corrected, requested several times to submit new claim with correct number, but they never gave me new claim number. My insurance company is asking for claim and claim number in order to pay it. now XXXX XXXX in Illinois is telling me they send my bill to collections company and I have to pay only to collection company full amount even though they have contracted rates with XXXX  and XXXX will honor all claims as long as its not 1 year old. Collection company telling me they will report it to credit borough and it will ruin my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report in the name of XXXX XXXXXXXX XXXX with an amount of {$3900.00} balance. This account is being PAID monthly. I wrote the bureau about the reporting and they are still reporting it as a derogatory and XXXX days late in XXXX when I made the payment for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXXXXXX Date Opened : XX/XX/2017 XXXX : {$0.00}. Please delete the late payment and update my credit file ASAP.
Product: Credit reporting or other personal consumer reports

To whom it may concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I challenge you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Product: Credit card

Ive had my quicksilver one credit card with Capital one for approximately XXXX yrs. Ive never been late with any payments to date. According to my XXXX, XXXX and XXXX credit reports as of XX/XX/XXXX, Capital one has reported that I have XXXX late payment dating back to XX/XX/XXXX.
Product: Credit card or prepaid card

creditor decreased my credit limit from XXXX to XXXX witch affected my credit score and my credit went from very good to goo i tried contacting creditor and they told me it was because i had not used my credit card acct. CBNA XXXX XXXX XXXX XXXX XXXX, XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX
Product: Checking or savings account

When I had an account with Wells I had problems with overdraft fees. I recalled I got paid and within a few hours I was broke due to overdraft fees. Not sure how that happened.
Product: Payday loan, title loan, personal loan, or advance loan

Over the past three years, I have been a customer of Solo Funds, having availed several loans from them since XX/XX/year>. However, I recently discovered that the interest rates on these loans were cleverly disguised as " tips '' and " donations. '' I have documentation to support my claim, including an example where I initially requested a loan amount of {$100.00} with a " Lenders Tip '' of {$5.00}, and the total amount due was {$110.00}, including a {$7.00} " Donation '' for SoLos Maintenance Fee. Subsequently, the lender proposed new terms, increasing the " Lenders Tip '' to {$10.00} while maintaining the {$7.00} " Donation '' for the maintenance fee. Furthermore, it was stated that rejecting this new proposal might result in my loan returning to the marketplace, potentially leaving me without funding from another lender.

I have been lured into a scheme where I ended up paying exorbitant " tips '' and " donations '' without my full understanding.

I'm seeking your support and assistance regarding restitution payment from SoLo Funds for the amounts borrowed and repaid and the tips and donations made since I joined after falling victim to deception. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have been trying for months to have Shellpoint change the mailing address through the XXXX Finally on XX/XX/2024, Shellpoint replied stating that. yes, they have made a mistake and finally changed the mailing address. The problem that I have is that for all those months Shellpoint has been sending statements with account information to an OLD attorney, who no longer represents me, and who's office has been CLOSED for quite a while. 

I had responded to the XXXX asking for Shellpoint to give me XXXXXXXX XXXX for 5 years due to Shellpoint 's lack of information security. The XXXX has closed this matter without resolution in this matter and will not resolve it. 

I am including the page from the XXXX showing that Shellpoint as admitted to the mistake and that Shellpoint has not tried to fix the problem other than to finally change the address. I would like to have this matter completely fixed with 5 years of XXXXXXXX XXXX. This way I can be certain that my information remains safe because of Shellpoint 's lack of securing customer information. I still have not received any of those statements back. Shellpoint has not responded as to where they are or have ended up.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a bag of ice at a self service register at XXXX XXXX. My charge should have been a total of {$4.00}. I removed the credit card from the register and left the store with my credit card and with the ice. A man went to that same register and seeing that my transaction had not properly terminated charged {$640.00} worth of gift cards on my credit card. On XX/XX/XXXX, I became aware of the charge by seeing it online on my credit card charges so I called XXXX and spoke to a manager, who told me that it seemed that my credit card number had been stolen. I then called Chase Credit Card Services and told them what happened. They sent me a new card and were going to investigate the situation. In XXXX of XXXX I see the charge of {$640.00} back on my card and Chase tells me they can not remove the charge because it was an in-person transaction. I go into XXXX with my credit card statement and the old credit card on which the fraudulent charges occurred. I was advised that the store 's bookkeeper would contact me. The following day, I called the bookkeeper who sent me a copy of the receipt and told me he would give the information to the main manager. ( It seems that XXXX XXXX has several Managers. ) Upon my follow up I was told that the manager would not refund the money because the store did not want to take the loss. 
The store knows the man who man who charged on my card because he is a regular customer and he left his name and phone number with them besides putting in his XXXX reward number on the transaction. I even called XXXX, the parent company of XXXX and they said that XXXX could not keep the money because that is considered a blended transaction and it is not XXXX 's practice to keep unauthorized charges. They also told me that they could not reverse the charge because it has to be done by the store manager. I once again spoke to Chase and once again they concluded that they could do nothing. None of these companies, XXXX, XXXX or Chase have refunded this charge which was fraudulently made.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I set up multiple eft payments for the dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I was charged XXXX late fees because the minimum amount due was not paid in full. 
When I set up these future payments in their payment system I clicked on the button for minimum payment due for that date. Their system did not post the amount for the date I was making the payment but the amount for the date that the payment was set up on. In their system it shows that I made a payment for minimum amount due yet they are charging me a late fee because they state I did not make a payment for the minimum amount due. At very least the way that their website works is misleading however I believe it's fraudulent. I feel that this practice is predatory I have been making every effort to set up payments in advance of my payment date yet I am still being penalized because of a glitch in their website nowhere on their website does it explain how this works and I was at very least most led to believe I was making a minimum payment due to the account. 
Also there are many times when I have paid via XXXX 4-5 days in advance and my payment does not post until after my payment date 6 or 7 days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

I monitor my credit report and score with all 3 credit bureaus. I believe my credit report and score is unfairly scrutinized and calculator. I pay all my bills on time and according to the reporting agencies, my score is updated twice every month. However, that is not the case. I am working on a payment plan with one credit card company and it turned out I had one missed payment. Suddenly, the reporting agency decided to update my score and take away 70 points! They suddenly did this as soon as they received information about the one late payment, but never gave me credit for always paying my bills on time. That is very discriminating and should not happen to anyone. Now, I do not know what to do to fix this. This mainly applies to THE BANK IS XXXX XXXX XXXX XXXX XXXX. I fear this is tearing down a person who works hard everyday to pay bills on time and do things the right way. Destroying my credit like this is a path to destroying my future endeavors that I am working towards. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to XXXX, XXXX, and Equifax, advising that I had sent letters to all of the collections creditors who are listed on my credit report, asking for full validation of the account they are collecting from me and reporting against me. The letter that was sent to the collections creditors was sent on XX/XX/XXXX and XX/XX/XXXX. I advised the bureaus that these collections creditors had no answered my validation request in terms of the law. I requested for all of these accounts to be deleted from my credit reports. Today is XX/XX/XXXX, I have received no response from any of the 3 bureaus. I realize many states and businesses were affected by the corona virus, but that is not my problem. The laws are very specific on my rights to ask for an account to be validated and that the bureaus would get back to me about my dispute within 30 days from the date they received it.
Product: Checking or savings account

When I make purchases through my account I have the necessary funds. CHASE takes the payments in a way where I get charged overdraft fees even when XXXX of my purchases occured before I took the one that brung me into overdraft. Completely unfair and I have paid over thousands of dollars in over draft fees over the past year. It 's like they try their hardest to kicj you when you 're down.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, back in XXXX XXXX XXXX XXXX XXXX and they stole my identity and identification. 

I have no connection or knowledge with the said accounts. I have done with the police stated and filed the appropriate documentation. I did the identity theft report and the police report so now im coming here.

please help me this is Fraudulent and damaging my Consumer report.
Product: Credit reporting or other personal consumer reports

To whom this may concern, It my with great pleasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ).

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at ali The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report. completion