23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
My SSN XXXX XXXXXXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to no avail to resolve inaccuracies on my Experian credit report. There are duplicate accounts that they refuse to thoroughly investigate after numerous disputes, there is an account from XXXX XXXX that shows a late payment, and the account was refinanced through XXXX XXXX XXXX XXXX before a payment was even owed. There are accounts that were disputed with XXXX XXXX and removed, and Experian refuses to properly handle them. I received over 24 notifications from Experian in a 30-day time frame, on results of disputes that are were not even updated, in fact, they have lowered my credit score for trying to resolve these issues. I have a XXXX  job, that requires me to maintain my credit, and in the process of trying to purchase a home, this issue is interfering with my livelihood and chances at obtaining a fair home loan. I need assistance please.
Product: Debt collection

Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.
Product: Mortgage

This is in reference to an existing complaint # XXXX. Shellpoints partial response - " Response -Shellpoint requires more time to fully investigate the complaint. '' Which I received from CFPB on XXXX XXXX, XXXX My complaint was - " What happened Describe what happened so we can understand the issue ... 
This refers to Consumer Financial Protection Bureau complaint # XXXX. 
I have sent all required documentation to Shellpoint as of XXXX XXXX, XXXX. I have asked Shellpoint through a XXXX XXXX XXXX ( at XXXXXXXXXXXX ) if anything else is required for the Modification review. As of today 's date, XXXX XXXX, there has been no response from XXXX XXXX with Shellpoint. 
Today I filed the attached complaint with the XXXX related to their settlement with XXXX in XXXX XXXX. 
Please help me get an affordable Modification for my Mortgage. '' Now last Friday - XXXX/XXXX/XXXX I receive a Modification Denial letter from Shellpoint Dated XXXX/XXXX/XXXX stating - " WE are unable to offer you a loss mitigation option because we did not provide them with the documents they requested. They notified us of specific documents they needed and the time frame required to provide them. '' Plus now a Trustee Sale is scheduled for XXXX/XXXX/XXXX. I still have not got a response from XXXX XXXX, at Shellpoint to my request dated XXXX/XXXX/XXXX, as to if there is anything else needed or not for the Modification. This request to XXXX XXXX was sent via E-Mail, so I have proof of the request XXXX/XXXX/XXXX is the date CFPB sent me the E-Mail notifying me that Shellpoint responded to my complaint # XXXX and needs an additional XXXX days to research the complaint and respond. Keeping in mind the Denial letter is dated XXXX/XXXX/XXXX. 
Now in XXXX days my home of almost XXXX years will be sold and auction by Shellpoint. 

Something is not right here and is very wrong, Shellpoint needs to be held accountable.
Product: Credit reporting or other personal consumer reports

Nations Direct Mortgage has reported our account deliquent for over 120 days while we have been in an Forbearance agreement. I asked several times and they even reported XXXX and XX/XX/2023 and I called. They made corrections to mine but not my husband who is a co-borrower. During this period I one of my other recurring accounts was closed because they said I was credit risk. We denied as cosigners for my daughter 's student loan which we desperately need. I am attaching the credit correction letter sent to Nations today as well as the credit notice from XXXX credit monitoring for my husband XXXX XXXX as well as the Forberance agreement. Our credit is effectively ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Caine & Weiner made a report to my credit report without notice to me first once again without allowing me to dispute the charge prior to it being reported to my credit report. This is not the first time they have done this, as there have been times before where they negatively reported to my credit without proper notice and then notified me afterwards.
Product: Checking or savings account

Ally received over XXXX from an initiated XX/XX/2023 transfer from XXXX acct XXXX to Ally XXXX # XXXX this transfer was successful but needed 'good faith ' that cash would follow. Ally claimed not to have received the cash so in May I initiated a second ACH transfer for 10,11753 from XXXX  to Ally altho credited to my account Ally claims funds were frozen by XXXX bank. I tried to transfer again in XXXX XXXX to Ally and XXXX declared the account frozen -- according to Ally. 
XXXX did some research ( XXXX ) on account ending XXXX on XXXX and had details about the XXXX transfer and declared the money from the beginning was not frozen, not suspended by XXXX. 
XXXX has communicated several times that Ally had the XXXX from the first ACH transfer in XXXX which Ally denies, doesn't give me interest, it doesn't show up on my account until XX/XX/2023. This began in XXXX. 
Because XXXX claims they never suspended or froze my account during the XXXX transfer of XXXX and Ally claims they never got the full amount ( cash ) from XXXX due to XXXX freezing or suspending my account. 
I guess one could assume I'm confused. I began with XXXX added XXXX ( disputed ) and I should have had XXXX but after 6 months the total dropped to XXXX and that's about all I ended up with. I'm sure some went into CDs but I usually put the same amount every month. This didn't add up to that.
Product: Credit card or prepaid card

I had lost my credit cards quite a few times through Chase back in XXXX and had fraud charges from XXXX all the way to early XXXX. Each time I noticed my card was lost I promptly called Chase to report them lost. They removed all unauthorized transactions from my account and told me they would be investigating the fraudulent charges. Well I just received a call from someone in the fraud department today and was told that they were going to be placing XXXX in fraud charges back into my account within two billing cycles. I was so shocked and heart broken that they would be doing this. They informed me that the signatures matched and that they had evidence that it was me. I informed them that it was impossible as the cards were lost and I was never at the locations that the cards were used and that I demanded to have them show me the evidence they speak of she informed me that there was nothing she could do and cut me off and said sorry. I informed her that the FCRA states that I am not held liable for any unauthorized charges that I did not do she informed me that even if the police give them evidence that shows it was not me she cant guarantee that the charges would be removed from my account WHAT?!?! That does not make any sense to me what so ever. I XXXX  that many other people are having these same issues with Chase in their fraud claims and were treated the same way. They are doing very shady things and are making their customers pay for it. Please help me as I can not afford to pay XXXX in fraud charges that I did not do. Thank you.
Product: Credit reporting

whom it may concern, I mailed several letters of dispute last one being certified on XXXX XXXX XXXX in regards how XXXX XXXX is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from 30 to 90 says late and being over XXXX behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is asking for information that is already provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been paid. They are now falsely claiming that they are owed money even though when I returned the lease. I was told there were no issues and I owed nothing.
Product: Debt collection

I disputed a collection account on my credit report and provided a debt validation letter requesting that I be given any contract with my name and signature between I and the original creditor. And if not that all communication and payment reporting be stopped immediately so that further damage to my credit account and score will decease
Product: Checking or savings account

Bank of America offers a preferred rewards program. They state that you need  a '3-month average  combined balances of {$20000.00} or more in qualifying Bank of America banking accounts  and/or   XXXX   XXXX  and   XXXX   XXXX    investment a ccounts '. and 'We 'll review your program balance at the beginning of each month to see if you 've reached a higher tier. ' both quotes from bankofamerica.com/balancerequiremenents. I deposited the minimum amount for the second tier platinum on  XXXX   XXXX , and to date have not received the benefits of the platinum rewards. I ma de two phon e calls asking to have my account reviewed as on the mobile appliction it states 'Every month we will review yo ur 3-month  average combined balance ... ' and 'It 's calculated based on your average daily balance for  a three  calendar month period. ' No where does it say that a statement must be generated or that it is dependent on the number of days in the month.  A three calen dar month period does not have a foot note stating that it must b e one full ca lendar month. If the deposit occurred on the sixth of a month,  three months later is still a sixth of the month. It will be four  months in  XXXX  and the account I am sure will not be back dated. Our statement closed on  XXXX   XXXX , not the  XXXX  as in  XXXX . To be able to claim  a three m onth time frame with no particular details is extremely deceptive.
Product: Checking or savings account

On XX/XX/23, I requested to transfer funds from my HighYieldSavingsAccount at Bread savings bank ( online ). The transfer was blocked by Bread citing security concerns. The message on their website requested me to call them. On XX/XX/23, I telephoned and clarified that the internet access was made using the XXXX, thus, it showed accesses were made from foreign countries but I was not traveling and it was just the XXXX. I was told that the issue was clarified and I could expect the transfer within 3-5 days. 

On XX/XX/23, one week later I still did not see the transfer. So, I called Bread and inquired. The messages show the transfer was received and should be processed within 1-3 days. 

On XX/XX/23, I still didnt see the transfer. I sent a message to Bread and inquired. Their rep replied that the transfer should be completed EOB on that day ( XX/XX/23 ). 

On XX/XX/23, I called Bread and requested a closing of this account due to the inability to move funds out of the account. The rep told me she would process the closing request and send out the funds to my linked account. 

On the same day, after the rep told me the closure of account and transfer of funds should take place, I saw a message requesting the verifying information on the bank account I requested the funds to be transferred to. I ca

ll Bread again and told the rep I uploaded the requested information. She reviewed the bank information and told me that the uploaded document should satisfy the request and account should be closed and the funds should be transferred. But I still see the funds still sitting at Bread a
ccount. Nothing has been done since XX/XX/23. They will not release my funds and close the account.
Product: Checking or savings account

I was constantly charged overdraft fees, even when I was not overdrawn. They were rude and refused to credit them back to the account. 

My deposits were put on 5 day and 9 day hold even when it was direct deposited from my employer. It was absolutely ridiculous what they were doing. 

I was told that I should do better with my money management skills. It was very disheartening every time that I called.
Product: Vehicle loan or lease

I was attempting to buy a Kia XXXX at XXXX XXXX XXXX in XXXX XXXX, MD on XX/XX/2019. We had agreed on a price of {$20000.00} with a loan amount of {$18000.00} ( after a {$2000.00} down payment ). My husband and I both filled out the credit application. The dealer contacted us soon after our credit application was filed demanding more paperwork from my husband- pay stubs, proof of employment, questions about his recent immigration status and our marriage. The dealer said they could not confirm his new temporary social security number. We told the dealer that my husband had legally obtained and used his social security number to find employment and obtain a driver 's license. Finally the dealer agreed that they had enough information and were going to go ahead with the loan. I was doing a final inspection of the car outside of the dealer 's office for about 5 minutes while my husband stayed inside speaking with the dealer. When I returned the dealer had changed the conditions of the deal demanding more documents and stating we would not be able to get the car loan until we provided the extra documents. With this change in the deal and the apparent interrogation of my husband while I was outside, resulted in us withdrawing our credit application and not buying the car. We perceived the dealer as XXXX or XXXX. Regardless, I received a letter from Kia Motors Finance dated XX/XX/2019 that stated I was denied credit, despite my withdraw of my application and credit score of XXXX! On XX/XX/2019 I successfully obtained credit through XXXX financing for a car loan for {$17000.00}. I believe the dealer did not withdraw my credit application and Kia Motors Financing subsequently denied my credit, potentially affecting my future credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX ) XXXX Balance : {$490.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX 'XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Debt collection

I never had an account with Resurgent Cap Services. I had an account that was paid and closed XX/XX/2013 with XXXX XXXX. I asked Resurgent to send me copy of contract with signature owing this amount to this company with is a 2nd or 3rd party and the company has failed to send me copy of contract that money is owed to them. I am asking for this to be removed from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services is showing a collection reported by XXXX XXXX XXXX company which does not belong to me. I have provided supporting documentation that proves the policy was cancelled in writing and a new policy was obtained through another carrier ; they have neglected to remove the collection from my credit report. XXXX XXXX owes me the balance of my policy that was unused prior to the cancellation and they have not rectified this issue. I want my credit report to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

just filed trying to get ANOTHER REPORT PLEASE since I am NOT ME.WHAT THEY ORIGINAL SENT WAS HORRIFYING. NEED HELP GETTING SUPPOSE TO BE CORRECT REPORT. STILL WAITING. FOR REPORT NEVER RECEIVED. PLease get them to shut my report them is main fraud. they are allowed access.
Product: Mortgage

My taxes were due from my escrow account in XX/XX/XXXX to XXXX XXXX Georgia. The servicer XXXX did not pay the taxes, so i called in XX/XX/XXXX when i received information that the taxes were not paid from my escrow account. They said that they would pay them. In XX/XX/XXXX i received information that the taxes had not been paid from my fully funded escrow account. On XX/XX/XXXX XXXX said they would investigate the issue and it could take ten days. On the XXXX they said payment had been made. My tax commissioner said no payment had been made on XX/XX/XXXX. On XX/XX/XXXX, i called my new servicer New Rez and they said they had no information to help me.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I sent XXXX, Equifax, and XXXX the following complaint. 

" I have suffered identity, theft, and fraud. I never consented to the following accounts, or have any recollection of any transactions. Please BLOCK and remove all fraud within four days as pursuant to the FCRA. Please exercise your grave responsibility to ensure that my privacy is respected and honored. '' The XXXX account was blocked and then rescinded with no lawful authority to do so. 
Pursuant to Title 15 USC 1681 c-2, the following consumer reporting agencies only have the lawful authority to rescind or decline to block under the following conditions.

15 USC 1681c-2 ( c ) ( 3 ) - Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

SO WHAT NEW INFORMATION DID YOU RECEIVE THAT WOULD GRANT YOU AUTHORITY TO RESCIND MY BLOCK!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX BalanceOwed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$600.00} ; XXXX XXXX  XXXX Balance Owed : {$17000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXXBalance Owed : {$220.00} ; XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX XX/XX/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: Payday loan, title loan, or personal loan

The company sent a Loan agreement to be signed and I was told a different payment option could be selected. I was not able to select different payment options. Additionally, I have not been provided a payment schedule and the amount they stated in the call that would be due is significantly lower than they amount they are deducting from my account. I have attempted to contact them several times to request a payment scheduled complete with amounts to be deducted and have been unsuccessful. I also attempted to request a payoff on the loan and was told I would have to contact the company for that information. I wanted it in writing and was not provided this. I believe they are participating in predatory lending and not I. Compliance with the Fair Debt Collections Act.
Product: Vehicle loan or lease

I have a loan with WFDS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and WFDS with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX / XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX.