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

Citi bank credit card company agrees they owe me a refund of {$5.00}. However, while they insist upon sending me a check in the mail... they never do. Numerous emails, phone, and online chats indicate they will send the money, but it never arrives. Companies such as this one prefer not to apply refunds to the balance I owe them. Apparently, their policy dictates that refunds need to be sent by post. What is holding the process?
Product: Credit reporting

I have notified Transunion that I was a victim of Identity Theft and I have provided them with a Identity Theft Affidavit. To date, Transunion have not removed these reportings that do not belong to me. Such as, inquiries within the last 16 months, Bankruptcy ( Chapter XXXX ), and the Release of Tax Lient. I am in need of your assistance in getting this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and under the penalty of perjury I attest that all facts to be stated are true. Predatory credit reporting agency Transunion refuses to follow my written instruction for the permissible purpose of the credit report and FILE that this company is furnishing on me which violates 15 USC 1681b ( 2 ) which states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I have submitted written instructions to Transunion on a number of occasions over the last year and this company refuses to abide by federal law and remove the fraudulent and inaccurate personal information, accounts and inquiries which stemmed from identity theft. I have reported this identity theft and misuse of my information by all the major credit reporting agencies including XXXX, XXXX, and XXXX as well as all the issuers of the fraudulent reported accounts. Transunion has also failed on a number of occasions to share with me how they have been able to validate these alleged debts that they are reporting on my credit file. What personal interviews did they conduct? What system did they use to validate the debt? Did they submit a form or use electronic means? What was the name and contact information of the people they spoke with to validate the debt? This is fraud and totally violates the fair credit reporting act. The fraudulent inquiries that appear on my account are a clear display of how Transunion is violating my consumer rights by selling and sharing my personal information and credit file with third parties that I did not initiate or authorize. Can Transunion explain why these companies were able to access my credit file without my prior consent? This is a blatant act of identity theft which is punishable by law both civilly and criminally. Furthermore, the FCRA was created for the purpose of enforcing credit reporting agencies to report accurate and fair information and Transunion is doing the complete opposite. I have attached a 3-credit bureau report which clearly shows that XXXX XXXX and transuion are all reporting different, inaccurate, and fraudulent information on all 3 credit files pertaining to the same consumer, accounts, and inquiries. This is illegal! This is theft! This is punishable by law and will be pursued in a court of law if these unauthorized accounts are not immediately blocked and removed, if authorized accounts are not updated with accurate payment history, incorrect personal information should be deleted immediately, and inquiries are not removed upon the receipt of this complaint. Please see all attached documents to support my complaint. I have faxed this information to Transunion but have yet to receive a response. Please find all proof attached below.
Product: Mortgage

On XX/XX/2021 I called Shellpoint financial to make my mortgage payment. When attempting to make this payment I was told that my monthly payment was {$560.00} because my account went into escrow related to Shellpoint receiving my proof of insurance late. The receptionist told me that it would take at lease a month to correct this. I have spoke with Shellpoint a month ago to this date about the same matter. Also the receptionist told me that I had to send in a letter stating that I didn't want an escrow account. When I purchase my home I did not sign a contract for an escrow account. Since this company took over my loan I've been having problems. I had my home for 23 year and I never missed a payment. My payments should be {$440.00} every month it been this rate for 23year without any problems. This is the second complaint that I have put in for Shellpoint sending my account to escrow. I have no lapse in my insurance and I do not have a escrow account. I will be making my payment when this matter is resolve with NO LATE CHARGES!
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau : I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''.

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and the U. S. Bankruptcy Courts confirmed that XXXX, XXXX and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

You need to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).

Please provide me with copies of all documentation associated with these Public Records bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
Product: Mortgage

XXXX LN XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CA XXXX Short Sale was started with XXXX on XX/XX/19. On XX/XX/XXXX we called in and were told it was being assigned and we would be called back that day.

Now today, XX/XX/19, we are being told nothing has been done on this file and nothing will be done on this file. There is no SPOC assigned. XXXX is refusing to escalate this. Management is refusing to work on it. 

Aside from gross violation of their servicing guidelines, XXXX is at this point committing LOAN FRAUD, due to their acceptance of servicing funds without actually servicing the file. *******Additionally, this is a VA BORROWER. Apparently XXXX doesnt care about our military personnel. XXXX doesnt care it is in violation of Federal and State Laws. XXXX doesnt care it is in violation of their Servicing Guidelines. XXXX doesnt care about CFPB guidelines. 

Instead, XXXX is blaming this on XXXX/XXXX, claiming they are the subservicer and as such it is their responsibility, not XXXX, for this file. 

****we are having issues on EVERY SINGLE ONE OF OUR XXXX FILES. XXXX has no capacity to service the files for which they are being paid servicing fees. This needs to STOP IMMEDIATELY. 

I want this file opened immediately as a short sale. I want a SPOC and negotiator assigned. I want the documents we have submitted to be worked on.
Product: Debt collection

I keep getting calls saying I owe {$630.00} but wont tell me what for. And now my credit score has lowered tremendously.
Product: Mortgage

SLS put my property in website whom advertise for Homes for Auctions and foreclosure sites I am on time and paying them through my lawyer and court because SLS is a chest XXXX fraud company creeps come here to my property I am sitting in my living room and the creep have a nerve to come front of my property and start taking photo why this is how SLS run a mortgage company by abuse the home owner and sell people home by lie fraud and cheating
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 : Inquiries : XXXX XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card or prepaid card

My card was charged in Fall of 2018 for charges in XXXX when I was in that country, I provided a copy of my passport which showed that I was not in the country when the charges were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Banking Misconduct and Privacy Violations To Whom It May Concern at the Consumer Financial Protection Bureau, I am submitting a complaint regarding a potentially fraudulent and unethical banking practice at chase located in XXXX XXXX XXXX I believe my privacy rights have been violated, and there may be misconduct involving deceptive financial practices. 

A banker at this location informed me that I was facing XXXX lawsuits, which seems highly inappropriate and outside their role. Additionally, I suspect that my personal information may have been accessed or shared without my consent, possibly in connection with a larger fraudulent scheme involving XXXX XXXX scams. I am also concerned about deceptive credit card offers and unauthorized data sharing that could affect other customers. 

I request that the CFPB investigate this matter and take appropriate action to ensure that banking regulations and consumer privacy laws are being followed. Please advise me on any steps I should take to further protect myself. 

Sincerely, XXXX XXXX
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. In requesting documentation none was provided. Due to identity theft this should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been charge off. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, You have claimed a credit insurance over this account, you do not have any loss, clearly this is a violation of the law to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After a complete and in-depth review of my credit report maintained by EQUIFAX, I found the following UNAUTHORIZED inquires. Please note that I never applied for credit with these companies : ..... 
XXXX XXXX on XX/XX/XXXX ... XXXX  on XX/XX/XXXX ... XXXX  on XX/XX/XXXX ... XXXX XXXX ON XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 : FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, NY. XXXX XXXX XXXX XXXX, XXXX, NY. XXXX XXXX XXXX XXXX XXXX, XXXX, NY. XXXX FRAUDULENT ACCOUNTS : XXXX XXXX XXXX. Opened XXXX. XXXX, XXXX {$1500.00} XXXX XXXX XXXX opened XXXX. XXXX, XXXX {$69000.00} XXXX XXXX XXXX opened XXXX. XXXX, XXXX {$30000.00} XXXX XXXX # XXXX opened XXXX XXXX, XXXX {$1500.00} XXXX XXXX # XXXX opened XX/XX/XXXX {$2400.00} XXXX BANK # XXXX opened XX/XX/XXXX {$9000.00} XXXX XXXXXXXX. # XXXX. opened XX/XX/XXXX. {$4500.00} These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the ACCOUNTS/ADDRESSES in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections 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 of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Checking or savings account

Excessive fees are being charged sometimes in addition to the fee already being charged with the original transaction. In XXXX or XXXX  days I was charged over XXXX in external wallet fees when I already pay XXXX monthly for a " premium account ''. If paying to be a premium member doesn't at least cover these fees then XXXX XXXX XXXX XXXX XXXX XXXX 

The agreement states no fees will be charged for using a digital wallet. 

It also states that a fee will be charged when adding money to an external wallet yet they charge a fee for all transactions with XXXX XXXX XXXXXXXX and other merchants they have decided are external wallets buy not digital wallets even though digital wallets are all external wallets and are not charged fees to use Arent digital wallets still external wallets!? 

And the merchants they have decided to consider external.wallets not only " wallet '' money on ones behalf but they are also used for other transactions as well. They are used to send people money for personal reasons and to make purchases thru businesses.
Product: Student loan

I have been with Mohela for years. I have two Direct Loans with them. I have XXXX payment taken out of my checking account on the XXXX of every month. They then apply the payment according to how their system works to my two loans. 

I had my payment withdrawn on XX/XX/XXXX as usual. Then on XX/XX/XXXX I received a message from Mohela that my loan was overpaid. This made no sense to me for I did not pay extra onto any of my student loans. 

I replied to the message asking how this is so, but they take too many business days to respond to messages. Yesterday, XX/XX/XXXX after being on the phone for XXXX hour and XXXX minutes and XXXX seconds I spoke with someone who informed me that my payment was applied incorrectly to my loans. They applied the entire payment to XXXX loan, but not to my other loan which makes my one loan overpaid I and my other now delinquent. She asked me if I would like to make a payment with her over the phone to get my loan up to date or if I wanted her to submit a form in order to have my payment applied correctly. I told her I would like to submit the form. She told me it would take 60 business days for it to process!
Product: Debt collection

SYNCB/CAR CARE SYN CAR has been reporting an unpaid credit balance on my credit report. After several attempts to dispute this account, according to XXXX  and XXXX this credit account was verified as a joint account between XXXX XXXX as the primary owner and myself XXXX XXXX XXXX. I have made several phone calls to Synchrony Bank and spoke with several agents in their recovery department on XX/XX/2020 and XX/XX/2020 to verify this information. The agents were unable to locate this credit account under my name, DOB, and SSN. The agents said that I needed to provide a full account number or the primary owners SSN. I explained to the representative that I do not have that information and that I tried to reach out to XXXX XXXX and received no response. I explained that this information has been reported on my credit and has hurt my credit score significantly. I also asked how is this information being reported on my credit report if SYNCHRONY BANK is unable to locate any account information under my SSN or NAME. This creditor has failed to provide me with any information that I am related to this debt. I am asking that the CFPB investigate this matter. 

Thank you, XXXX XXXX XXXX
Product: Checking or savings account

A week my Dave spending account was put on hold for no reason and I have yet to get help I emailed the company 12 different times they are holding over {$1000.00} of my own money I shouldnt be having to beg for my own money
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for their failure to investigate and remove inaccurate information on my credit report, despite multiple disputes and supporting documentation that demonstrate the errors. These errors are related to a data breach as they still remain on my report. 

The inaccurate information pertains to XXXX XXXX and XXXX, which are listed as charged-off accounts. This information is incorrect because it should not appear on my report. Charge-offs are considered income under the law and MUST be removed from my credit report. These accounts were settled but are still listed on my report after repeated requests by me to remove them according to the law. I have made several attempts to resolve this issue directly with Experian by submitting online disputes and mailing dispute letters. 

Despite my efforts, Experian has failed to correct the errors or provide sufficient reasoning for their decision to keep the inaccurate information on my report. This situation has negatively impacted my credit score and caused undue stress and financial hardship. 

I respectfully request that the CFPB investigate this matter to ensure Experian complies with its obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, I would like to request the following : A thorough investigation of the disputed information on my credit report. 
Removal of inaccurate information, as mandated under the law. 
Written confirmation from Experian once the errors are corrected. 

The accounts in question and all pertinent information are contained in the previous complaints I have filed with you about this matter. 

Thank you for your attention to this matter. I trust the CFPB will ensure my rights are protected and that Experian is held accountable for its responsibilities under the law.