23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We previously had XXXX for our mortgage lender then our mortgage was transferred to NewRez Shellpoint Mortgaging Services on XXXX. I then contacted NewRez and was given their routing number and account number to set up bi weekly payments in the amount of {$900.00} to be taken out of my paycheck with the USPS. I have made approximately 7 payments for a total of {$6300.00} and I also sent a papercheck in the amount of {$2200.00} for an escrow payment. This company is stating they have never received a payment one nor the escrow payment I made. I have contacted this company on numerous occasions via telephone call, first class mail, certified mail and emails regarding this matter to no avail. I have since then had to reach out to an attorney which will cost us {$3000.00} to have this matter resolved. I am confused because during this process I received a letter from Shellpoint stating I needed to send any information to a different address, which I did, but on this correspondence I notice that the company name was XXXX NewRez Shellpoint Mortgaging Company. Why is XXXX part of this company after XXXX filed bankruptcy for the exact same thing happening to us now. Also, after some research this Shellpoint company is known for doing the same thing XXXX did and this Shellpoint company has a list mile long of other individuals whom they are doing the same exact thing to.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent account and inquiries in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these account and inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these account and inquiries are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving notification from my credit montoring service that as XX/XX/18 a collection account was place on my credit report in the amount of {$4000.00} with XXXX XXXX XXXX XXXX XXXX ; opened XX/XX/XXXX ; which is false. I contacted TransUnion by phone and filed a dispute. I also called XXXX XXXX XXXX corporate office to investigate the collection. I spoke to XXXX would stated that there wasn't anything on file or in their system with my name on it, and to call back on the following day and speak to a supervisor that maybe able to assist me. I did so and was told to contact the collection agency listed on my credit report. In XXXX I filed a XXXX XXXX which I had a loan with one of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) ; which was included in my XXXX XXXX. I have not tried to make contact with this company in years. In checking my credit report I also noticed that an inquiry was made on XX/XX/XXXX which again I did not intitate and I never received any other loan from them. XXXX XXXX XXXX XXXX XXXX has never sent me any correspondence or oral communication concerning this matter. Since placing this collection on my credit report not only have I been denied loans, credit, and a mortgage, but has caused my credit score to drop. It has yet to be removed from my credit report at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 an 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 or 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ENDING IN XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Your company is clearly in violation of the law. 

Under 15 U.S. Code 1681a Definition ; rules of construction 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information Prohibition ( A ) Reporting Information with actual knowledge of errors, THE LAW CLEARLY STATES IN 15 U.S. C 1681a 2 ( A ) ( i ) ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please change the above late payments to paid as agreed on my consumer report ; this agency is in violation of 15 USC Failure to respond satisfactorily with changes of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collectors Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

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 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 has violated my rights. Or list of inquiries 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXXXXXX XXXX XXXX I the consumer sent out a letter via USPS certified mail with tracking to EQUIFAX, the letter was titled AFFIDAVIT OF TRUTH, NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM. EQUIFAX was in receipt of the letter per certified mail tracking on XX/XX/XXXX, XXXX. I, consumer, was in receipt of a response sent from EQUIFAX on XX/XX/XXXX XXXX The letter that consumer XXXX XXXX XXXX has was a letter stating that EQUIFAX updated the account ( s ) and verified items belong to " YOU ''. There were two accounts that consumer requested within the AFFIDAVIT OF TRUTH demanding that EQUIFAX Under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EQUIFAX is required by federal law to verify - through the PHYSICAL verification of the original signed consumer contract for any and all accounts EQIFAX posts on a consumer 's credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent consumer account information to verify. I demanded to see Verifiable Proof of the original instrument of indebtedness ( an original Consumer Contract with my WET INK Signature on contract ) that EQUIFAX has on file of the account ( s ) listed below and this request is not asking for a PHOTOCOPY OF A STATEMENT OF ALLEGED ACCOUNT ( S ) or a PHOTOCOPY of the alleged debt contract but the ORIGINAL with XXXX XXXX XXXX wet ink signature. I was not asking for EQUIFAX to verify the account by simply sending me an updated report with the same information that has been reporting on consumer 's report. EQUIFAX failure to positively verify these correctly under the FCRA, unverified accounts must be removed/deleted and if EQUIFAX is unable to provide me a copy of verifiable proof, EQUIFAX must remove/delete the accounts XXXX XXXX and XXXX XXXX.
Product: Checking or savings account

On XXXX XXXX I went to a chase bank ATM branch I deposited over XXXX $ I got a receipt from the ATM for deposit confirmation but the money didnt show up in my account I called the bank claim department they told me that they didnt find the money I gave them a proof of that they money has been deposited in the ATM but the money is not in my account they refuse to credit the fund in my account after showing them the receipt. Im asking a trial against the bank to get my money back
Product: Checking or savings account

On XX/XX/XXXX I received a phone call from the Wells Fargo customer service line ( XXXX ) XXXX. The banker on the phone asked me if I was familiar with a woman ( cant recall the womans name ) from XXXX XXXX. I confirmed I didnt recognize her name. He said that someone was attempting to make multiple purchases/transactions and transferred me to the fraud department where I was connected to a supervisor who claimed there were multiple transactions and recommended locking my online account access. At that point they locked my online banking and from that point forward I did not have any access to my account information, transactions etc. 

XX/XX/XXXX received another call from the Wells Fargo customer service line ( XXXX ) XXXX and who had access to confidential account information such as balance, user name, transaction history etc. and would be investigating further. Later that week I was contacted again with the assertion the source of the fraud was someone at the XXXX branch. He said they filed a police investigation but when I asked for any verification, none was forthcoming. As part of the investigation, he had me go to the branch and confirm a transaction under the guise that they needed to flush out the bad employee. 

By Saturday, XX/XX/XXXX, I contacted Wells Fargo XXXX department again and was informed the this was an identify fraud scenario that included over a dozen of fraudulent money transfers, inter-account transfers, debit card transactions and a credit card cash advances totaling between $ XXXX. I made numerous claims as these transactions crossed multiple bank departments. 

On XX/XX/XXXX or XX/XX/XXXX, I finally was able to access my Wells online and found XXXX additional unauthorized transactions and contacted Wells Fargo while also submitting an FBI report. 

As of this date, while this entire process began with a fraudulent call from an official Wells Fargo customer service line, received fraudulent text code verifications etc. Wells claims no liability.
Product: Credit card

Because I calculated my credit card payment thinking that a refund had been processed and not having the ability to check because the Chase Card website was too busy to log me in, my monthly payment was under {$2.00} less than the minimum payment due. This resulted in multiple calls EVERY day, ALL hours of the day. Even holidays ( this is XXXX and XXXX time ) and Sundays, the calls started early in the morning and never ceased. I was already charged the fee and my credit line was decreased. There was no need to continue with the calls. I have screenshots from my phone from XXXX/XXXX/2017 and XXXX/XXXX/2017 but the reality is that this went on for weeks. I should have taken many more screenshots.
Product: Vehicle loan or lease

Hi, I believe I am a victim of a Predatory Loan and Auto Fraud. In 2018 I was pressured into a car sale with Santander Consumer as the loan company at XXXX XXXX XXXX dealership in XXXX XXXX. I believe they used fraud tactics to get me approved as I did not qualify or make enough to pay for the car properly. I already had an older Vehicle through a partnered dealersip for much less and was pressured to upgrade and trade in my car through the bigger and better dealership. They pressured me into a co signer in which they used my father who credit or income wasnt much better than mine. I believe they mixed and matched our information in order to get me approved. The Co borrower and Borrower are different on the dealership forms and the loan forms on one i am the co borrower XXXX XXXX and on the other my father who is now deceased is the co borrower XXXX XXXX XXXX. The attachments below will show the the differences and all the unfair intrest that was applied. This company had a class action lawsuit that I should have been apart of considering I met all requirements but I was never contacted. I would like to receive full compensation for all payments made and or have the vehicle payments ended and car title released to me as the owner. Lastly I also believe im intilted to compensation because santander had my car repossed in a breached peace manner multilple times in which I had to pay thousands of dollars to get my car back. Please help this is not lawful consumer business
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681- We have a right to privacy and companies have no permission to report anything on a credit report with identifying information. Pursuant to18 USC sec 8 & HJR 192- All Debt is a government obligation. No notification was given to me on what would be reported monthly to the bureaus. I contacted the bankruptcy court and they verified that they DO NOT report their activities due to privacy. I contacted ALL 3rd party credit bureaus with the letter from the bankruptcy court and they refused to remove it from my credit report. This is a direct Violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of the consumer reporting agencies are reporting inaccurate and unverifiable information from XXXX on my consumer report. Per attached correspondence from XXXX , XXXX XXXX dated XX/XX/2021, XXXX XXXX XXXX ( Regulatory Compliant Specialist at XXXX , XXXX XXXX ), in fact, states " A copy of your application is not available. '' and as such, XXXX is unable to produce a consumer credit transaction contract with my wet signature on it in connection to the alleged debt. Because a consumer credit transaction contract with my wet signature on it can not be produced, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 i sent a letter regading inaccurate and unknown things on my report its been more than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 

i surely was a victim of the equifax date breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
Product: Checking or savings account

On XXXX I received a call from td bank asking if I need any help with my business account I said no didnt no YALL made calls then hung up so about XXXX XXXX  that same day I received a text message asking if I had tried to purchase something in the amount of {$540.00} I texted back no and awaited for my response for them to say they are gon na cut my card off but they didnt I then received a phone call at XXXX and the person on the other end stated that they were calling me from td banks fraud department and that I had some unusual activity on my account that they needed to stop I was on the phone for 40 not realizing that the person was in my account sending fraudulent XXXX payments 28 to be exact so being that my card was compromised I went to get money from my business account and saw that they had moved {$5000.00} to my personal and I couldnt even log in so I called td bank back on the number that called me they stopped {$1500.00} in payments but did not stop {$3500.00} and I still do not have money back.
Product: Mortgage

We believe there were issues during the life of the mortgage where fee 's were applied and never disclosed or changes were made that were never disclosed
Product: Credit card

Ive been receiving offers from citi for a couple of weeks now through mail, email, and platforms like XXXX XXXX. I we by through XXXX XXXX after seeing there offer of XXXX XXXX for 24 months. I applied and was approved for XXXX limit I was then prompted to fill out account number and amount to the creditors and as I was filling it out the page refreshed I was then prompted to login but after logging in the balance transfer option has not been allowing me to request the transfer. It prompts me to call customer service. The first time I called they told me to wait a couple days and it would be fixed but no, the issue persisted, I then called a 2nd time and was told the rep can take this information over the phone but I could not give the card details since I thought she would fix this for me- I told her Id call back once I was better prepared, I called a third time and was told that I had to wait for my card to arrive, again I called and they told me this can on my be done online 14 days after opening the acct. no one has been able to help me and I feel like I was tricked to signing up for this promotion and now I can not take advantage of the promotion. Time is ticking and I have a certain amount of time to submit the balance transfer request before Im not able to no more. The chat feature hasnt been any help either. Please help me. I just want to take advantage of the promotion.
Product: Student loan

I applied for a school closer program, I was in XXXX XXXX University back in XX/XX/2007 which XXXX XXXX XXXX bought the University. There was a whole mess with fraud and I was not feeling comfortable attending the school anymore. I paid other two loans belonging to XXXX XXXX XXXX but I refused to pay for the other loans due to the mess that happened back in XX/XX/2007. They are forcing me to pay I can't no longer have the option for deferment or forbearance. I am a single mother of two and they just denied it without a verifying all the facts. I do not have the money to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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