23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached Transunions NOTARIZED Identity Theft Victim Affidavit. Furthermore, I have sent many many Consumer Financial Protection Bureau complaints on XXXX, XXXX, and Transunion regarding XXXX theft of cards, identity theft, impersonation, fraud, and forgery. See attached XX/XX/XXXX letter from XXXX. XXXX refuses to provide my request for information on payments made, phone conversations, and person making payments due Chases privacy policy. My private account but a privacy policy for someone making payments on my account which is totally void of common sense and justice. Thieves have more rights than the victim. This information would allow the fraud to be proven. XXXX continues in the XX/XX/XXXX letter by claiming to have processed the fraudulent payments correctly. How can XXXX make this statement and at the same time deny information that would prove the fraud? XXXX continues in XX/XX/XXXX letter by stating phone number ending in XXXX had been removed shortly after the theft and XXXX doesnt know how they obtained phone number. This lacks protection for my account. XXXX incorrectly listed last four digits of phone number in this letter as XXXX but as XXXX in previous letter dated XX/XX/XXXX. Now look again at Transunions NOTARIZED Identity Theft Victim Affidavit reflecting also XXXX XXXX XXXX XXXX. Now look at the attached XXXX XXXX XXXX XXXX XXXX Application. See phone number, XXXX, and email address, XXXX. It is the same phone number. Now see all information for this XXXX XXXX XXXX aka XXXX XXXX XXXX. Credit Card abuse, forgery, impersonation, & false pretenses and is currently in a Mississippi jail. The XXXX card was stolen, used, fraudulent payments made, and phone number was allowed to be changed allowing control of the card.
Product: Mortgage

Hi. I had been contacting Nationstar since XXXX of 2015 to apply for a loan modification. They told me call in a few weeks to check the status and I did. I contacted them XXXX XXXX, 2015 and they said they never received them so I resubmitted on XXXX XXXX and again was told to check in a few weeks. Called them XXXX XXXX, 2015 and the same we never received them, resubmit. After this time of resubmitting I get a response saying to refprmat the documents to PDF, now I knew I had the right email all along because I received a response. I have a buyer interested and he needed the oay off information with reinstatement fees and all so I requested the fees on Monday XXXX XXXX, 2015 and was told to call back in 24-48 hrs, so I did. I called XXXX XXXX, to try to push the date further to allow my buyer to get the funds. They said they would send me an exacted pay off with in 24-48 hours. At this time ( Friday XXXX XXXX, 2015 ) I received an email at XXXX ( after hours ) with a link to get in to get the payoff, and was unable to get it yet alone call them back. First I was told to call the lawyer representing them so I did then told to call Nationstar which already have. I am on XXXX and explained to them my situation since about XXXX XXXX, 2015. Today is XXXX XXXX, 2015 the day before the foreclosure auction and now they want me to get the funds from my buyer and that is impossible because I still need the pay off amount. Being that they have been doing this for 4 months really show that this was there intention all along and also I have heard similiar situations like this happening. It 's not right. Once I told them I was on XXXX for 11 years and limited on income they stopped everything.
Product: Credit reporting or other personal consumer reports

I looked on my report back on XX/XX/year> and notice some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Thes account Names are XXXX XXXX XXXX ACCT XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX XXXX Divison of child support acct XXXX Division of child support ACCT XXXX XXXX XXXX bank ACCT XXXX Nations Direct ACCT XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX Account report and last date active are not reporting accurately I sent letters on XX/XX/year> to have these accounts reinvestigated tracking number XXXX I got the investigation back but noticed nothing was updated or modified So I requested a copy of the reinvestigation which was not provided which is a violation of 15 USC1681i7 They also violate 15 USC 1681i ( 5 )
Product: Mortgage

About 18 months ago I saw a drop in my credit score. I identified a negative entry for Shellpoint Mortgage. Up until then, I had never heard of them before. This had never showed up on any previous credit reports going back decades.

I then discovered this was the mortgage that my ex-wife is responsible for, her home in Virginia.

Now she has decided not to pay this on time or at all. I talked to Shellpoint several times trying to get answers about this. The only thing that I found out was that it is a 50 year mortgage. Every time I asked to see the originated documents on this 50 year mortgage I was told that they are investigating it. 
First, the mortgage is in the name XXXX. This is not my legal name. My name is XXXX. I also go by XXXX to avoid the jokes, but never XXXX. Secondly, why have I not seen this before last year? 
The impact on my credit score has been devastating. I filled complaints with the CFPB to no avail.

Now I realize that Shellpoint Mortgage is trying to strong arm me into paying this mortgage by holding my credit score hostage. Why else would it suddenly show up in my credit report after almost 3 decades? The are trying to force me to pay something that isn't my responsibility. Clearly, they are dealing directly with my ex-wife as this account is secured by a password I do not know, and see me as the cash-cow. I have never received any tax benefits from this home, and have never had any contact with them prior to this showing up on my credit report.

This is clearly a fraud being perpetuated by Shellpoint being aided by the big three credit rating agencies. I will not yield to their extortion, especially when this 50 year mortgage is blatant predatory lending. Because of the time this has unknowingly existed, I am unable to sue for this immoral and illegal lending practice.
Product: Credit card

In XX/XX/year>, I requested to close my XXXX XXXX Credit Card account, issued by Comenity Bank, due to multiple unwarranted fees and charges that had been applied to my account. Despite making timely payments and having no new purchases since XX/XX/year>, Comenity continued to add late fees and finance charges. I contacted Comenity Bank several times to address these issues and made additional payments to cover these fees, but the charges continued to appear without clear explanation. 

On XX/XX/year>, the account was officially closed. However, after the closure, I was notified of a {$120.00} balance due, which was subsequently sent to collections. This collection report negatively impacted my credit score, despite my history of excellent credit and on-time payments. I am disputing this balance, as the fees were applied after closure and were not the result of any new transactions.
Product: Credit reporting or other personal consumer reports

XX/XX/year> in XXXX of XXXX my credit report was showing a dispute allocation from the dark web from my XXXX XXXX business account phone. My account was showing two data breaches from XXXX  and XXXX severs send grid arising disputes of employment from my account. i am showing a background record of the trespass from my business XXXX XXXX XXXX employee in XXXX. So I filed a XXXX business affidavit along with the XXXX due process of collection from my bank. I also submitted a report with the FTC and Office of comptroller of banks. I also am following up with the OIG office of inspector general showing my account was expired by a list of credit bureaus from the attorney general. My account restoration officer opened a case her name is XXXX XXXX with the XXXX XXXX breach showing the account was hacked with a XXXX business affidavit from a XXXX phone from my XXXX account using my log in credentials with XXXX and XXXXXXXX XXXX XXXX  showing my account has been identified as a XXXX security criminal using my alia as a fraudster to gain access to my files and distort evidence proving my account was a log in breach report with the local agencies. I have opened the XXXX XXXX business account with XXXX XXXX and my info was on the dark web showing a dark web data breach. I also want the files showing error in allocation of the dispute arising on the date was breached on the dark web showing reports for the case number filed in the section. I have a case worker and report from my team support making a dispute charge using my XXXX phone XXXX there was a XXXX suspension on my account when it was used for filing taxes in XXXX XXXX  walked to the XXXX. I have a broken screen has not been replaced I still have the phone but my account was hacked and my computers were stolen. I have a missing report on my XXXX report. I also have a case manager who state the phone was hacked with XXXX credit bureau credentials using my log in termination. So I have ended my plan with XXXX and my phone is not sending in the XXXX XXXX  log in without the phone number that has my error of dispute with identity theft from the credit bureau. My account was expired and breached on the dark web. I have a list of XXXX tax forms due process of payment from my bank and it was not showing on my credit report from XXXX business. Starting with XXXX XXXX XXXX XXXX. I would like to open a identity theft dispute of my business account from XXXX XXXX XXXX and property assets with the mortgaged certificate of origin from the error of dispute identity theft of my bank account.
Product: Consumer Loan

I made a payment on line and apparently keyed in the wrong bank account number.  Huntington  bank could n't process the payment so they changed me {$55.00} in NSF fees. How can they charge me NSF fees when it never made it to my account? It 's a returned item, not an NSF and they should n't be allowed to change an NSF fee for a returned item.
Product: Debt collection

On XX/XX/22, both my husband and I were contacted by Chapman Financial regarding two medical debts owed to them by me, one of a personal nature for myself and another for our child. I attempted to set up reasonable payment arrangements for this debt to pay them off in appx 11 monthly auto payments, and was asked for my husbands employment verification which I declined to provide, as we keep our bills separate as well as our income. The representative, XXXX, spoke with her supervisor requesting the payment arrangement be approved, and was then told that it would not be allowed and payment was required in full if I would not provide his confidential information. I further pressed how I could submit payments manually, and was told they will only accept payment in full ( appx {$1700.00} ) unless I give his information to them. This is abusive, intrusive, and Im fairly sure it is also illegal, and I want their debt collection practices reported and rectified. My husband is not liable for this debt, and his income is not and should not be considered for repayment purposes, or the threat thereof. As an additional note, I have worked with this collection agency before and was never asked for this information, and paid my previous debts accordingly via auto payments.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urge you to take urgent action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant distress. I did not initiate or approve these accounts, and it is unjust for me to bear responsibility for them. Please promptly address this matter.
Product: Checking or savings account

XX/XX/2021 <<<ADDRESS>>> Dear Sir or Madam : I am writing this email to kindly request your help regarding an identity theft incident I have been a victim of. My phone number has been transferred to another SIM card and then used by another person to withdraw money from my bank account. I could not file a police report because Chase is unable to provide an affidavit of fraud which is required by the police department. Neither Chase or XXXX is willing to take any actions on this matter and thus I have arrived at an impasse that has so far proven impossible to overcome. 

First, let me briefly explain what happened. On XX/XX/2021, my phone suddenly lost service. Once I contacted XXXX customer service, I was informed that my number had been transferred to a different SIM card. According to the XXXX representative XXXX spoke with, this transfer occurred at XXXX XXXX  EST. Subsequently, it was disabled at XXXX XXXX   EST. Thus, between XXXX XXXX  and XXXX XXXX  EST, my number was being used by another individual. That same day, at XXXX XXXX  EST, the same phone number was used to make an unauthorized money transfer through my bank ( Chase ). The wire transfer was made for an amount of {$4900.00} to a XXXX XXXX XXXX XXXX Bank account under the name of XXXX XXXX. 

After contacting XXXX, I attempted to file a police report. However, I was informed that in order to do so, I would need a written statement from Chase. Chase in turn requested a letter from XXXX detailing the number transfer that occurred ( which has been confirmed for me by phone already ). However, XXXX informed me that I would need to file the police report first. When I went back to the police, they still insisted on a Affidavit of Fraud from the bank. 

As I have run out of avenues to pursue in this matter, I am turning to you for help in resolving this situation. I would sincerely appreciate any guidance that might lead to moving the matter forward. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 1ZK ( EFTA ) and Regulation E. These actions have caused significant inconvenience and, financial loss, and I seek appropriate redress for these violations.,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my report and saw these inquiries appearing that I did not authorize. Listed below are the inquiries that I demand to be deleted from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call yesterday that went to voice mail. The message stated it was regarding a court case. No mention of who they are. I called the number back and the phone rang, yet no one has ever answered. I've tried several times today to call and still no one answers the call. 
This is what enrages me, my NEIGHBOR rec 'd the same call and had a message of their answering machine for me about the same court case that I got a message about. They are an elderly couple and were worried about me. And today, my boyfriend rec 'd a call from them too about me and the court case. He tried to answer the call but no one was on the other end of the call and the call automatically hung up. 
He and I nor my neighbors have EVER ventured into any financial arrangement ( s ). How are these people getting their numbers? 
their phone number is XXXX
Product: Credit reporting or other personal consumer reports

This account never had late payments even it was paid in full and closed and continues to exist on my negative credit report ... .The account in question is XXXX XXXX Late Payments
Product: Student loan

I attended XXXXXXXX XXXX in XXXX, XXXX, for XXXX years and took out loans for each year. My final year, XXXX, was cut short because the university mismanaged my loan approval and provided me with incorrect borrowing calculations. Despite repeatedly asking for guidance on the correct loan amount, I was advised to borrow as much as possible to cover my accommodations. I followed their advice, and my loan was approved. However, it turns out they made a mistake, leaving me stranded and implying that I had not borrowed enough. Now, I owe the university a remaining balance of XXXX, which I can not afford. 

On top of this, their error caused me to start repaying my student loans while I was still in school, something I was unaware of. The staff member who supposedly assisted me with my loan no longer works at the university, and I feel deceived and taken advantage of. I borrowed approximately {$78000.00} {$79000.00}, but I have no clear understanding of where the money went or what remains of it. My tuition costs were roughly {$60000.00} {$70000.00} USD, equivalent to XXXX XXXXXXXX 

I would like to speak with someone to resolve this issue and clarify what happened.
Product: Credit card

In the provided letter, the individual is disputing inaccurate names and addresses on their credit report. The discrepancies include names like XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. Additionally, there are listed erroneous account names and numbers ( ID # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ). The letter cites the Fair Credit Reporting Act ( FCRA ) and specific provisions ( 15 USC 1681e ( b ), 15 USC 1681i, and 15 USC 1681c ) that mandate accuracy in consumer reports, investigation of disputes, and the inclusion of relevant creditworthiness-related information. The individual requests a thorough investigation into these inaccuracies, the removal of incorrect accounts, and the provision of an updated credit report. The letter also warns of potential legal action if the dispute is not addressed promptly.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : requested! 
XXXX XXXX Account number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report XXXX XXXX Account number : XXXX Reinvestigate the completeness of every piece of information and if its not accurate, please remove it from my credit report XXXX & XXXX Account number : XXXX I am not liable for this debt with XXXX, I do not have a contract with XXXX XXXX XXXX, please remove it from my credit report XXXX  XXXX  Account number : XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX I do not have a contract with XXXX  XXXX, please remove it from my credit report XXXX XXXX Account XXXX I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX, please remove it from my credit report. 
XXXX XXXX XXXX XXXX I am not liable for this debt with XXXX I do not have a contract with XXXX XXXX XXXX, please remove it from my credit report
Product: Checking or savings account

XX/XX/2015, XXXX XXXX paid 2 ach debits for large amounts over my balance without my authorization. They have a policy of not paying over a certain overdraft amount and i did not have overdraft protection. I contacted customer service by phone and was in communication by email with the branch manager few  times in XX/XX/2015. Account was closed due to NSF with negative balance around {$280.00}. Balance was all overdraft/account fees due to the unauthorized debits being paid for 2 times per month for few months. i requested to block the entire account. for several weeks, the account was charged {$33.00} per NSF ACH debit and {$6.00} weekly for keeping it negative balance and finally closed and sent to XXXX. i tried to stop all of this with the bank and was unsuccessful.
Product: Credit card or prepaid card

I received a Truist fraud alert text on XX/XX/23 with case number XXXX. I had a lengthy one hour conversation with XXXX in fraud management to confirm that a charge for {$130.00} dated XX/XX/23 was not me ( it is showing as a declined charge ). He blocked the card and for the reissued card, I asked that it be sent to me via express mail. The same individual ( XXXX ) called me back on XX/XX/23 at XXXX XXXX  and informed me to call back to XXXX. I called back and they advised me that instead of a replacement card being ordered, in error the account was closed. 

This is for card : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person and have rights under 15 USC 1681. As a living human being, I would like to file a formal complaint against the consumer reporting agencies for violating my rights and the Fair Credit Reporting Act. The following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and I demand that they be deleted immediately. I did not provide permission for the consumer reporting agencies to furnish these accounts. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The consumer reporting agencies are governed by 15 USC 1681 and have violated my rights on several occasions. I have the right to privacy under 15 U.S.C 1681 section 602 A. Additionally, Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer reporting agency from making a consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) stipulates that 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. 

I have identified multiple billing errors under 15 U.S. Code 1666 ( b ) billing error that the consumer reporting agencies have failed to address. These errors include the creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor, as well as a computation