23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage was transferred from PHH Mortgage Services to Shellpoint Mortgage Services late last year. Since the time of this transfer, we have experienced much confusion and disappointment. In XXXX of XXXX, we were placed on a trial loan modification. We were allowed to make our regular monthly payments for four months. Then at the end of four months, we were instructed to pay {$4000.00}. At the end of four months XXXX XX/XX/XXXX XXXX, we only had {$2000.00}. Shellpoint then told us that they would check to see if they would accept the {$2000.00} and place us on modification. Then a few weeks later we were told that it was ok that we did not have the full amount because we had made the payments on time. They would be sending the papers out for our modification. So, we waited for another three or four weeks and never received the promised documentation. Therefore, every time I called Shellpoint, I would get a different person and a different statement. Finally after calling for several months, we were told that we would not be able to receive a modification because we had exhausted all modifications. Then the next thing I know they are going to foreclose on our home. Our only option is to do a short sale or deed in lieu. We received very poor service from Shellpoint and feel that we deserve better than this. Of course we believe that there are other programs out there that can assist us in saving our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$740.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance Owed : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$3200.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX # XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Prepaid card

I made a purchase on XXXX XXXX of value XXXX it was 7 tickets to a party. 

The event date was the following month XX/XX/XXXX, th the merchant canceled the day of. 

Still waiting on refund Im assuming it may have been a scam.

Even though I provided all evidence cashapp refuses to pull my money back or even contact merchant
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Consumer Credit Protection Act, Public Law 90-321 ; 82 Stat. 146 ; 15 U.S.C. 1601 et seq.

As you are aware, the Consumer Credit Protection Act provides consumers with certain rights regarding the accuracy and fairness of their credit reports. One of these rights is the ability to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX 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: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XXXXXXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

1- ISSUE ONE : I HAVE BEEN REQUESTING MR COOPER TO SET UP BIWEEKLY PAYMENT SINCE XX/XX/2024. THEY KEEP REJECTING MY REQUEST STATING THEY NEED PREPAYMENT FOR ONE MONTH AHEAD WHICH WAS DONE ABOUT TWO MONTHS AGO AND THE APPLICATION DOES NOT HAVE DRAFT DATE, WHICH IS NOT ACCURATE. 
I HAVE REQUESTED THEM TO CONFIRM : - THE prepaid for one month ahead AND RECEIPT OF THE FORM WITH DRAFT DATE. NO RESPONSE. NO ONE TO SPEAK TO. I HAVE SENT SEVERAL EMAILS FOR THE PAST MONTHS AND NO RESOLUTION. EVERYTHING THEY HAVE REQUESTED HAS BEEN SENT. 

2- WHEN I CALL THEIR CUSTOMER SERVICE NUMBER IT SAYS " YOUR LOAN HAS BEEN TRANSFERRED '' CONTACT YOUR CURRENT SERVICER. 
WHICH IS NOT TRUE - MR COOPER IS STILL MY SERVICER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. Someone used my information to open an account with XXXX XXXX XXXX. I was alerted to an inquiry by Experian on XX/XX/XXXX after someone tried to take over my bank account. I immediately called XXXX and was told that the account had been opened. Explained that I did not open the account and it needed to be investigated. Was treated like I was lying by the fraud rep. She told me ( BUT THE ACCOUNT MATCHES YOUR ADDRESS ). Told her that I did not apply for the account and did not want it. She finally told me that They would close the account and investigate. And then they did not provide any kind of claim number or advise further action. Knowing they did not believe my claim I disputed with the major credit Bureaus. 

Around the last part of XX/XX/XXXX I recieved a bill from XXXX for XXXX. I live in XXXX XXXX and all of the Transactions are from XXXX XXXX. Including one from XX/XX/XXXX The day the account was opened and have proof I was at a XXXX XXXX  XXXX location in XXXX that day. Obviously the account was never closed or investigated as told by the fraud department. 

XX/XX/XXXX Received notification from Experian that they verified the account as mine and the dispute is closed. 

XX/XX/XXXX XXXX XXXX Placed another Call to the fraud department. Was told there was not an Investigation started on my first call as suspected. The fraud rep did admit That XXXX knew that the account was fraudulent but said they can not remove the account from my credit reports because it has a balance. I said the balance would not be there if they had investigated the first call. She would not tell me a status only that I am paying the price of their employees not doing their Job. 

XX/XX/XXXX Was transferred to the the Account security department and was told that they just recently opened an investigation and had to wait 90 days. Asked why they validated the account as mine with the bureaus and she said that. Even though they know it is fraud the dispute department will still validate the account. I understand that if they know it is fraud they must remove the account and inquiries from my report immediately. She then said they submitted it to be removed and placed all of the blame on the credit bureaus and said I had to give them 60 days to remove it. I explained again that they just verified this a legitimate account when they know it is fraud and that it is against FCRA laws. She again blamed the bureaus. I asked for future status updates and was denied because they don't do that. Basically I was told they will handle it when they can and I am paying for their companies greed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX5 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Mortgage

XXXX XXXX, took my info, failed to review or pass it over to underwriting, made me lose multiple opportunities due to not doing her job. She prides herself of her XXXX - XXXX hour turnaround time, it has been nearly XXXX weeks since I engaged her
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX I purchased 4 Money orders for XXXX each which I made payable to XXXX XXXX XXXX ref numbers are XXXX, XXXX, XXXX. I mailed them to XXXX XXXX payment address as I had done several times in the past. I noticed by the end of XXXX that the MO had not been applied to my account. I called XXXX XXXX immediately. Western Union told me they would request a copy of the MO be sent to me for inspection XXXX and XXXX passed I called numerous times until I strongly suggested they process my claim and get me these copies. I finally got a copy of 2 of the money orders which I then called and asked for the others to be sent to me as requested 2 months prior. Western Union sent the other 2 by this time it is early XX/XX/XXXX I  called them back they told me that I would have to wait to receive paperwork by the end of XXXX I received the needed paperwork, had to spend XXXX for notary fees and sent requested documents on XX/XX/XXXX, which they received XX/XX/XXXX per USPS tracking return receipt. I called today they claim to have received the documents and that an investigation will begin. Claims department asked me to call back XX/XX/XXXX. I do not have the means to wait for XXXX for this period of time. I am sadden for people with lesser means
Product: Debt collection

The descriptions I had to chose from didn't really accurately apply. Here is my explanation of what I experienced : I received a false collection letter that I owed money on a newspaper subscription that was overdue and that instead of collecting the balance amount of {$36.00}, they would accept an " Authorized Settlement Amount '' in the amount of {$27.00}. The bogus balance was from the XXXX XXXX XXXX where I have had an account for some time. I knew this was untrue, so I called the XXXX XXXXXXXX XXXX and they informed me that my account was good until the first week in XXXX and that they did not use a firm in California to collect debts. I cancelled my account with them, since I obviously am not the only one that has access to their subscriber 's information and contacted you. The name of this fraudulent deb collecting company is : A., R.M. Solutions, XXXX XXXX XXXX, XXXX, CA XXXX XXXX I am sure people less skeptical than I have already handed over XXXX 's to them. Please stop them before they can do anymore harm than they already have.
Product: Checking or savings account

I am unable to utilize my BMO Harris Account with my initials as my signature and with two forms of ID thus I was not able to close my account. 

I would like to make sure my account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had a dispute with Transunion & XXXX  I sent my initail letter on XX/XX/2021 asking them to comply with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), informed them they are required by federal law to verify, through the physical verification of the original signed consumer contract, and respond within 30 days. They did not respond to me within 30 days of physical mail. I then sent a follow up letter XX/XX/2021. Both letter I sent had copies of my FTC report showing I was effected by the XXXX  Data Breach. Also I disputed with XXXX and they deleted all disputes and the same disputes as transunion. All information should look the same throughout all credit bureaus
Product: Mortgage

My husband and I applied for a loan for a single wide to put in our property for our daughter and grandson to live in from Vanderbilt mortgage. We were promptly denied because our credit score was not above XXXX. It is for both me and my husband. My credit score is XXXX pts higher than XXXX XXXX stated mine was. My daughter applied and cant get the full amount financed so I agreed to co-sign. The request was denied, not based on credit worthiness but XXXX XXXX wont allow me to continue to own another mobile home ( which doesnt have a mortgage or any type of lien against it ). This is an unreasonable request and property that could be used to secure the loan. She has decided she is NOT going to loan to us regardless of credit score or credit worthiness and made that fact abundantly clear in our conversation today. 

It should be noted that creditworthiness or ability to pay is not an issue nor is it being considered. We have an annual household income of close to $ XXXX and no mortgage. The amount we are attempting to borrow is approximately $ XXXX.
Product: Payday loan

BEWARE OF SPEEDY CASH IN KANSAS! THEY ARE SCAMMER AND LIARS!! 

I have paid over {$2500.00} on a loan for {$990.00}. I was told this would be for six months at 30 % interest on two separate occasions. 

Today, I requested a stop payment to Speedy Cash for the ACH transaction. However, it is quite difficult since the payment amounts change each two weeks. 

I have paid {$250.00} a month since XXXX 2015 .... It has now been 10 months. 

I was scammed! Ripped Off! Lied to .... and so disappointing. They owe me at least {$800.00}.
Product: Debt collection

Debt collectors Selip and Stylianou are inaccurately holding themselves out as being the lawyers for XXXX card, yet XXXX card has informed me that they do not have any association with the case anymore, and that Selip and Stylianou is simply a debt collector. Yet in the lawsuit, S & S has the plaintiff misleadingly listed as " XXXX. '' However, it is actually them who is the plaintiff. They are acting as if they are lawyers instead of debt collectors. They have violated 15 USC Section 1692 e sections 3, 10 and 14.
Product: Credit card

My Social Security number is on a freeze, and I applied for a credit card and got approved. Ive been making payments on time, and not even six months later, my account was closed. However, when I called Discover, they could not tell me why it was closed but stated they sent a letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went over my credit report and noticed a account and a few inquiries that I do not recognize
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES - need I say more. XXXX  buyers. 

Original creditor : XXXX XXXX  XXXX of proper account ownership trail, as usual. Their only claim of right to ownership is : " The original amount of this account was {$930.00} ''. What date was that? Was it the purchase date or payment date? Last activity is when the 7 year clock starts. 
No chain of legal custody of account provided by records custodian.
Product: Mortgage

I XXXX XXXX have provided Freedom Mortgage my current address and over last 2 months they have continued to change my information that would include my legal mailing address and residence. I have my personal online account that they have continued to block or allow a co borrower to change my password and email address. 
This property is in a forbearance and loss mitigation I am expecting legal documents that pertain to this property that requires my review. 
This property has been defaulted prior to the forbearance and need to know status of accounts.
Product: Credit card or prepaid card

*due to fraud on my credit card account in XXXX, a new credit card was issued *once I reported the fraud, online access to the account was shut down with no way to retrieve prior electronic statements ; only transactions on the new credit card are available online *through truist.com customer service IM chat on XX/XX/XXXX, I requested the entire year 's ( XXXX ) statements be sent to me for tax purposes *the customer service rep confirmed the statements would be sent *to date ( XXXX ), no statements have been received ( hard copy or electronic copy through truist.com ) *Truist has no way to allow credit card customers to access prior statements once fraud is reported and the associated card is shut down *and apparently even a direct request does not result in obtaining those statements *the CFPB should inquire as to why no statements are available to customers once fraud is reported as well as why there is no warning before access is turned off
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Equifax in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Equifax has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of XXXX 's XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Equifax may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information.

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Equifax has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately SALLIE MAE XX/XX/ Balance : {$36000.00}
Product: Checking or savings account

Several years ago, I opened a business bank account with Chase bank at my local branch. At that time a " relationship manager '' suggested that I select a " platinum '' account which had many features. I informed him that I did not want to pay any fees for my business banking account and just needed something simple. He assured me there would NOT be any fees, at that time or in the future. Foolishly, I took his work for it. And indeed, for many years after I opened the account there were no fees.
However, I discovered today when looking back at this account that Chase began charging me {$95.00} per month for this account starting in  XXXX  2016. This has resulted in {$1600.00} in unauthorized fees taken from my account. I would have noticed this sooner were it not for the fact that I was transferred overseas for work. I have complained to Chase that this is not authorized and they have not disputed that my relationship manager told me there 'd be no fees. However, they refuse to reimburse me. I would like to be compensated for these illegal and unauthorized charges as this is a clear case of " bait and switch. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Phh Mortgage Acct # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A Creditor May not treat a payment on a mortgage account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Back in XX/XX/2009 XXXX 's already had to pay a {$4.00} XXXX settlement after it was involved in a Texas state lawsuit where it was accused of deceptive trade practices. In XX/XX/2009, Attorney General XXXX XXXX filed a litigation against the electronics retailer claiming it violated the Texas Deceptive Trade Practices Act.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

i have been disputing a XXXX bad debt added to ann account I paid off with XXXX XXXX XXXX since XX/XX/2019. 

They refuse to speak to me or email me yet are garnishing my paycheck.