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

It comes with displeasure to have to send an e-mail to you regarding a situation, I have made several calls and as of this morning it is not resolved. For the last 5 years I have been a credit card customer and have always maintained a great line of credit. I have also enrolled in auto pay to ensure that my monthly payment are made in a timely manner if the balance is from {$1.00} to a XXXX. I have authorized charges amounting to {$2600.00} with XXXX XXXX. On XX/XX/19, I logged on to Capital One to pay the {$2600.00} charges and received an error message that the maximum amount that can be paid is {$2200.00}. I backed out of the account and reentered the amount of {$2200.00}, which I got a message completed. On XX/XX/19, I notice that a total of {$4800.00} was removed from my account and paid to Capital one. Immediately I called Capital One and spoke with a supervisor identified as XXXX # XXXX, and advise her of the issue and requested that the {$2200.00} be refunded/reimbursed to my account. She indicated that she would process a claim to have the funds refunded. On XX/XX/19, I notice that the fund were not returned so I call and spoke to a supervisor identified as XXXX XXXX XXXX who advise me that it would take up to 5 days to have the funds transferred to my bank. Today I called and spoke to XXXX # XXXX who advise me that the timeframe for payment investigation takes up to 5 business days. I am astonished on so many levels with this situation. First how was the {$2600.00} taken when it error out? Then why would the system allow so much money to go into one account when my account balance was only {$460.00} that was scheduled to be auto pay on XX/XX/19. Also, after the error we discovered that too much money was deducted and attention is brought to your company why am I forced to wait so long for the error to be corrected? Why was the {$2600.00} that wasnt authorized to be removed from my account. Finally why did I get three different explanation of how this error would be corrected? I also ask that a paper check be overnight to me and was advised by XXXX and XXXX that your company does not have the capability to send me a paper check. 

It sadden me in this day and time when an issue of this magnitude happens there is no exception to company policy that can had an issue resolved in a more timely basis. I await to hear from you and if you need to speak with me my phone number XXXX.
Product: Mortgage

I am writing regarding sloppy and negligent recordkeeping by my mortgage servicer Shellpoint.I am in receipt of a document indicating an auction date of XX/XX/XXXX for a past due balance over {$20000.00}. This amount is erroneousand doesn't reflect a paid in full repayment plan initiatedin XXXX of XXXX is my belief that my servicer has intentionally given me false information in order to expedite an illegal foreclosure proceeding. 

ACH payments were discontinued without my knowledge creating this undue XXXX Missouri foreclosure proceedings legally cant occur until 120 days of delinquency.I also believe that the servicer intentionally XXXX the online portal to prevent me from making payments to further my delinquency and move towards foreclosure.I have attached records of our repayment agreement, as well as XXXX payments deducted from my account up until XXXX of this year, which Shellpoint claims didnt happen. 

Not only have they prematurely set an auction date, theyve also engaged in dual tracking, as I applied for forbearance thinking I owed {$20000.00} but in reality, Ive only missed a couple payments.I entered a repayment plan and paid monthly as promised, and the servicer has no record of it. 

Not only have they provided false information pertaining to the amount that I owe, they did not continue XXXX payments after the repayment was complete and made no provision for me to continue payment.I 've attached bank statements reflecting no overdrawn or insufficient funds for XXXX or XXXX representatives from Shellpoint indicate that I havent made an ACH payment since XX/XX/XXXX. As the payment history document attached can attest, that is not true. 

Per an email attached, XXXX XXXX indicates that she had spoken with her client regarding my hardship options when in fact she had not.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I pulled my credit report and I was shocked at what I discovered. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g, I am entitled to be informed of my rights regarding this alleged debt, including the right to receive verification of the debt within 30 days. I have not received proper validation or verification of this debt, and I request immediate compliance with the validation requirements set forth by federal law. Any failure to provide accurate validation will be considered a continued violation of 15 USC 1692g.

Additionally, I suspect that these debts may be a result of identity theft, as I have no knowledge or record of these accounts. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request that any fraudulent accounts be removed from my credit report. Therefore, I am formally disputing this debt and requesting that your agency provide the following documentation : A copy of the original signed agreement or contract establishing my responsibility for this debt. Documentation showing all activity on this account, including any payments made.

Identification details used to create or establish this debt to ensure it was not done fraudulently. 
Please cease all collection activities on this account and notify any credit bureaus of my dispute. I expect a written response confirming the resolution of this matter within 30 days, as stipulated by law. Here are the accounts in question 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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

I bought a crypto currency to trade online trading from my debit card through my bank account, but I was never told by my bank that there would be a scam like doing this, so I never knew about this, I bought total {$50000.00} US dollars. I lost my money. I requested to my bank to file fraudulent case against crypto and refund me back my funds. But my bank not responding.
Product: Credit card or prepaid card

I put my son in XXXX XXXX and they have charged me for a full month when it should only have been half. The charge was {$660.00} made on XXXX. It should have been only {$340.00} and they should give me back {$320.00}. Talk to them and although they admit the problem they do nothing to return my money. They promise to make me a check but they tell me there is no date to give it to me. It's already been 2 months. Being honest with you, it is clear that there is no intention of giving me back my money and they are waiting for me to get tired of claiming. 

I have contacted the WELLS FARGO bank with a dispute and they rejected it with the excuse that XXXX XXXX promises to make a credit but I was very clear with them that I did not need credit because my son will no longer go there. My son said they XXXX XXXX to make him put on the mask. My son has XXXX to go there. 

Due to the bank 's refusal to give me my money, I have had to turn to you. 

Keep in mind that what I am claiming is far below what they should actually return to me since the actual amount should be about {$1500.00} because they charged me for two months without my son going there and I am only claiming {$320.00}. 

I have attached an image with a red square to show the amount in dispute. 

Companies involved : WELLS FARGO XXXX XXXX XXXX Best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information concerning Experian. I have previously complained of Experian 's illegal conduct under ID # XXXX. Experian has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Experian is in violation of my rights as a federally protected consumer.
Product: Debt collection

I have been trying to resolve for a long time. 

Please find FTC report.
Product: Prepaid card

I have XXXX  of dollars of AMEX gift cards and they are always declined at XXXX. Customer service agent told me to just use a different vendor. These cards are useless if I can't use them at the largest XXXX retailer in the world. The cards have also been declined at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request assistance with Experian. I believe that they are not actually investigating and verifying my accounts. I believe this to be true because after I submitted the same information to the other two credit bureaus XXXX and XXXX and after investigating them the accounts were deleted. I wrote Experian several times in the past four months regarding the inaccurate information on my credit report and they are refusing to remove it. 

My most recent letter to Experian states : XX/XX/2018 Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, The below accounts are inaccurate, out of date and the balances are incorrect. 

Based on your results, I believe that you have not investigated or verified these accounts correctly or at all. By law ( FCRA Fair Credit Reporting Act ) you are required to investigate consumer disputes and remove the accounts if they are found to any inaccuracies. There is no way you could have properly investigated and verified these accounts and they were deemed accurate. 

I am requesting that you actually investigate and verify these accounts for accuracy, and delete them, as they are incorrect. 

Creditor : XXXX XXXX XXXX Account Number : # XXXX Reason : Inaccurate. Out of Date. Incorrect Balance. 

Creditor : XXXX XXXX XXXX Account Number : # XXXX Reason : Inaccurate. Out of Date. Incorrect Balance. 


Creditor : XXXX XXXX XXXX XXXX Account Number : # XXXX Reason : Not mine. 

Creditor : XXXX Amount : {$18000.00} Account Number : # XXXX Reason : Inaccurate. Out of Date. Incorrect Balance. 

Creditor : XXXX Amount : {$21000.00} Account Number : # XXXX Reason : Not mine. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX XXXX
Product: Debt collection

There are two instances that I'm writing about.

First is with XXXX, they are reporting that I had three accounts with them when I only had two accounts and I have asked them to consolidate the collections into one account rather than three as it is affecting my credit and I do not want to begin making payments until that is resolved. 
Second, is with XXXX  XXXX XXXX XXXX and north american recovery, They are charging me, what I feel is an exorbitant amount of interest, but also it is supposedly from an overdrafted account but I received a final paycheck to that same account that should have more than covered the amount to have been overdrafted and I am being refused helped when it comes to this.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach that has led to unauthorized accounts appearing on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following accounts from my credit report. These accounts were fraudulently opened or reported in my name without my consent. 
Unauthorized Accounts 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: Debt collection

To whom this may concern, A previous dispute was completed on my behalf in which R. S. and Associates deleted this account from XXXX of my credit reports. However, this account is still listed on my XXXX  credit report. This debt was paid to XXXX XXXX prior to this company attempting to collect any form of debt payment from me. I was not notified by this company they were in an attempt to collect a debt that had already been paid. I do not have a contract with this company nor has any services have been requested by me of them.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Product: Credit reporting or other personal consumer reports

I have had an account with Credit Karma for probably XXXX years. This account has always been under the same email address and I access the account weekly as I like to keep an eye on my credit scores. Last month I had a Credit Karma Guarantee offer pop up stating that if I was denied for a personal loan they guaranteed I could get, they would pay me {$50.00}. I applied for the loan in an attempt to consolidate some personal debts and I was declined for the loan. About a week ago, I reached out to Credit Karma inquiring as to how the {$50.00} was awarded to me and was told I would be receiving an email in the coming week. Flash forward to 2 days ago, I go to log into my credit karma account to check my information and my account is gone. Their system states that no account has ever been registered with my email address even though its the email I use weekly to login. I am confident that Credit Karma wiped my account so they did not have to pay the {$50.00} as now there is no record of me having applied for that loan through their Credit Karma Guarantee. I need this matter investigated as I am sure Im not the only person this has happened to in Credit Karmas attempt to avoid paying out what theyve guaranteed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two unrecognized inquiries on my TransUnion credit report, both from the same company. 

XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX/XXXX ( XXXX ) XXXX on XX/XX/2019 and XX/XX/2019 I called the number and I got the runaround.
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. 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. 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. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I demand the following accounts be verified or deleted immediately. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please explain how you verified this late payment from XX/XX/XXXX when there was never a late payment of 30 days. 
XXXX XXXX Account XXXX : XXXX If unable to provide proof of this late payment and explain how you verified it then please update to paid as agreed never late. 

11. Please provide your method of validation on how this account was verified as accurate when it is a CHARGE OFF account reporting as open and with a PAST DUE amount of XXXX CRCU Account Number : XXXX If unable to provide your method of validation then please delete immediately.
Product: Mortgage

I bought a rental property early XXXX. I obtained title insurance and the search showed a clear title at closing. Months later I received a letter from a debt collector which said back taxes were owed from years prior to me purchasing the property and totaling around {$100.00}. I disputed the claim and told the company I had title insurance which would cover the amount if it proved to be correct. I also alerted my title company. 
Amerihome Mortgage Company sent me a letter shortly thereafter telling me I owed taxes on the property and they would be paying them if I didnt. I do not escrow taxes with XXXX. I called and explained the situation and they added this information to the notes on my account in XX/XX/XXXX. I told them they should not pay the taxes because if they were owed my title company would be paying them. Around XX/XX/XXXX I paid my yearly property taxes through the Philadelphia online system. The taxes were due on XX/XX/XXXX so I paid early. Around the time I made the tax payment I received an email from XXXX which said a tax payment had been made on my behalf. I called XXXX and they informed me that not only had they paid the {$100.00} being disputed they had paid the XXXX property taxes which were {$2900.00} and not yet due. They told me my taxes were past due. I told them the taxes were not due until the end of the month. This has become a huge ordeal. I had to provide proof that I paid my taxes but they still raised my mortgage payment more than {$500.00} a month ( which I cant afford to pay because I paid the taxes myself already ). When they raised my payment my credit score went down because it showed my debt increased by that tax amount. I have called countless times. I often get disconnected and have to call back. I probably spend about an hour each time I call between long holds and having to call back when I am disconnected. When I do speak to someone they just tell me the ticket will be resolved soon and then the escrow will be removed. One person put notes in the account to allow me to short pay my mortgage but it required calling the customer service line which is not a convenient way to make a payment. That worked the first month but the second month I called and explained there were notes on my account allowing me to short pay and they had no idea what I was talking about and I had to ask for a supervisor. Once connected to the supervisor I again explained the situation and she said she was working on submitting a ticket for the issue and then she disconnected me. I had to call back again to make my payment and that person also had difficulty understanding what I needed but was finally able to take the payment. 
This is a terrible situation to be in and extremely stressful. It has been FOUR months and they still havent corrected THEIR mistake. I dont know how a company can get away with affecting a customers credit and charging them more money for a mistake they made.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Mortgage

On XX/XX/year>, I received a letter from Shellpoint Mortgage who services my mortgage loan. The letter states they are returning a check to me because it was not endorsed on the back. It also states that it was an attempt to collect a debt and any information obtained will be used for that purpose. The problem is that the check did not belong to me. The check was made out to and addressed to a law firm XXXX XXXX XXXX and XXXX. Upon receiving the letter I called the contact number on the check XXXX and spoke to XXXX XXXX who is a representative for The XXXX XXXX XXXX. XXXX XXXX advised me that I shouldn't be talking to him and that this never happens. He asked me to return the check. Since I didn't know anything about a claim and was listed as the Claimant, I suspected fraud. After piecing the facts together I realized this had something to do with a lawsuit and nothing to do with my mortgage. The check must have been delivered to my mortgage company in error. Shortly after I talked to XXXX XXXX, I received an email from my attorney that XXXX, XXXX and XXXX  wanted me to return their check to them. So after their account number, routing number, and my full name was exposed and used in a way that in my opinion violated my privacy rights they reached out to my attorney in an attempt also in my opinion to cover up the incident. I feel like the incident should have been reported to law enforcement. I believe that Shellpoint was guilty of mail tampering and also accessed my personal data for an unauthorized use. And since nobody reported the incident, Shellpoint has no idea they did anything wrong. I'm mostly upset about how the incident was handled after the data breach was known to the Travelers. They take no responsibility even though I was given no privacy options and knew nothing about the claim.