23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX 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

This Company have failed to provide debt validation on acct XXXX Debt Validation was sent out on XX/XX/19, The company received it on XX/XX/19. They had 30 days to validate the debt and they have failed it is now XX/XX/19 and they still have yet to provide proof me giving them and little extra time to provide something and have fail.
Product: Credit reporting or other personal consumer reports

I know that reading my credit report that you say i have a chargeoff which is debt that has been discharged and you took a tax write off on. After contacting the IRS they explained that it was illegal that you were reporting this information to my credit report trying to collect. This is called tax fraud upon the irs, and you will be reported for such.
Product: Mortgage

They keep changing the there fees and what they are charging me. I gave them all the correct figures when we started and they have now changed the figures 3 times and the points and lender fees rose from {$2800.00} to {$7100.00}. I called multiple times and spoke to a manager and he said he would change it back but then they raised it even more.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to them over and over again and I have sent a police report, FTC report and they are not willing to remove the account, this account was opened in the state of California and I have never lived there. I have even offered to do XXXX XXXX for Deletion for this account that isn't even mine.
Product: Checking or savings account

Hi There ; I am XXXX resident for USA, XXXX XXXX, Living in XXXX XXXX and own my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX with document number XXXX and XXXX Number XXXX with its registered address through our registered agent as XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX DE XXXX. We are paying regularly the yearly fees for XXXX membership as well as registered agent XXXX XXXX. 

In XXXX we had opened our business account in Transfer Wise, now its Wise and account number allocated to us as Account holder : XXXX XXXX XXXX XXXX. 
Routing number : XXXX Account number : XXXX Account type : Checking Address : Transfer Wise XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX United States We had published this account to our XXXXwebsite payments and were receiving payments smoothly. Also we were sending payments/ costs to our vendors from same account. 

This month while receiving a reoccuring payment from our client in XXXX XXXX XXXX XXXX for amount of XXXX USD, Wise terminated our account without prior notice, took online access from us, so we could not get our money from the account balance. We submitted appeal in their online system, they accepted our appeal and we got back the login information, but account held blocked temporarily. We initiated our balance to move out to our other bank account but these transfers were kept on hold, saying we are checking details. 

Now account is permanently closed with no access to account. Money which was in balance is not received and we lost our clients with this tricky behaviour of our bank.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 {$2900.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$5900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my ChexSystems consumer report : Dispute : Source of Information : XXXX  XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX  XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 RTN/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from Chexsystems or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX  XXXX XXXX is in violation of my rights. To my knowledge, I have never had owed money to XXXX  XXXX XXXX. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. 

Specifically, I am requesting full validation from XXXX  XXXX XXXX including copies of any documentation associated with this amount owed which bears my signature. 

In the absence of such documentation, I request that this negative report be permanently removed from my ChexSystems report. 

I have attached documents to verify my identity
Product: Checking or savings account

My account is unaccesible since XXXX, I guess it was closed but until now I dont have any correspondance letter and my cashier check with the balance on my account. So please inform me about that situation. 
Also I need to dispute 4 transactions made with my debit card Visa ending in XXXX, since I cant access to my online banking I cant guess the exact posting date. 
3 transactions made at the store XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX. It were XXXX XXXX XXXX XXXXXXXX silver, the delivery date was XX/XX/XXXX, but on XX/XX/XXXX I went to the store in person to return those XXXX  because at the time of the delivery ( almost XXXX mont ) were no longer needed. The store XXXX XXXX  accepted the return and gave me the official return receipt and they gave me 3 days to fully process the refund. 
The refund was never posted to my account so I contact them again on XX/XX/XXXX and they just say " call your bank for billing adjustment '' because they already processed the refund. 
Thanks
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX Balanced : {$87.00} XXXX XXXX XXXXXXXX Balanced : {$140.00} XXXX XXXX XXXX Balanced {$77.00} XXXX XXXX XXXXXXXX Balanced {$99.00} 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: Mortgage

Complaint Against Shellpoint Mortgage Servicing for RESPA Violations Dear Sir/Madam, I am writing to file a formal complaint against Shellpoint Mortgage Servicing regarding their mishandling of my mortgage account, which has caused me significant financial distress and violated my rights under the Real Estate Settlement Procedures Act ( RESPA ). 

Incident Overview On XX/XX/year>, I received my monthly mortgage statement from Shellpoint Mortgage Servicing, which requested a payment of {$3900.00}. I have always paid my mortgage on time and in full. However, on XX/XX/year>, Shellpoint Mortgage Servicing initiated a series of debit and credit entries and attempted to withdraw more than {$15000.00} from my bank account without proper notice or justification. 

This unexpected and unauthorized attempt to withdraw funds has caused significant financial disruption. Furthermore, Shellpoint Mortgage Servicing appears to have unilaterally increased my principal balance without providing me with any explanation or an opportunity to review and dispute potential errors in their calculations. 

Violations of RESPA Shellpoint Mortgage Servicings actions constitute a violation of the Real Estate Settlement Procedures Act ( RESPA ), including but not limited to : 12 CFR 1024.35 ( Error Resolution Procedures ) : Shellpoint failed to provide me with sufficient time to identify, request corrections, and dispute errors related to my mortgage account.

12 CFR 1024.36 ( Requests for Information ) : Shellpoint did not provide clear, written explanations for the significant changes to my mortgage balance and debits, depriving me of the opportunity to understand or dispute these changes.

12 CFR 1024.41 ( Loss Mitigation Procedures ) : Their mishandling of my account puts me at risk of foreclosure, despite my compliance with the payment schedule.

Impact and Urgency I am deeply concerned that Shellpoints actions could result in the foreclosure of my property, despite my adherence to payment deadlines. I have not been given a reasonable chance to review, dispute, or understand the changes made to my account.
Product: Money transfer, virtual currency, or money service

I was using Chime 's direct send feature to receive money from a friend. However, when my friend attempted to send money, her account displayed that I only had a XXXX in my account. While my account balance was accurate, the issue arose because the senders account was showing this balance, which exposed my financial information to a group of people during a social event. This caused public humiliation and severe emotional distress. I was embarrassed, and my financial situation was mocked by others. The situation escalated to the point where I had to leave the gathering, feeling deeply shaken and upset. The breach of my privacy has made me feel unsafe with the platform, and I no longer trust the security of my account.Ive reached out to Chime 's support team and requested an urgent resolution. I provided them with the details of the issue, including screenshots of the situation, and I asked for fair compensation and acknowledgment of the distress caused. However, they have not yet provided a satisfactory resolution or timely response.I am requesting a formal investigation into this issue, along with appropriate compensation for the emotional distress and public embarrassment caused. I believe the platform must take responsibility for the breach of privacy and address this glitch in the system to prevent future incidents. I would like Chime to implement additional safeguards to ensure that such information is not exposed through the direct send feature.
Product: Debt collection

Professional Credit Management continues to violate the Fair Debt Collection Practice Act by continuing collection efforts after being notified this debt never belonged to me and attempting to collect on Medical Debt in the state of Arkansas after the statue of limitations has expired per ( A.C. A. $ 16-56-106 ) Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). These actions are clearly a violation of my consumer rights and Professional Credit Management must be held liable for their actions. This debt was opened as of XXXX or XXXX depending on which consumer reporting agency you are reviewing which is inaccurate information.
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

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

The following accounts are not mines these unauthorized accounts are fraudulent and even in ligation so therefore I'm demanding that these accounts are removed immediately from my credit files. 

1. XXXX XXXX XXXX {$240.00} 2. Account XXXX XXXX {$180.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$170.00} 5. MXXXX XXXX {$810.00}
Product: Checking or savings account

I opened a Santander checking account on XX/XX/2024. I opened it with a promotion of receiving a {$400.00} bonus after {$5000.00} of direct deposit going into the account. I completed all requirements ( received the last required direct deposit ) on XX/XX/2024. Then, on XX/XX/XXXX, my account was closed by Santander without warning or any attempt to contact me ( and the remaining balance on the account was mailed to me via check ). I called to ask the reason, and I was told they did no have any information to give me. On XX/XX/XXXX, I then submitted a formal complaint ( via mail ) to Santander, in which I requested information on why my account was closed, and indicated that the closure came right before I should have been paid the {$400.00} bonus, so I requested that be paid out to me as well. I received a letter in the mail dated XX/XX/XXXX, stating that they would not be telling me why they closed my account. The letter also stated that they would not be honoring my request for the {$400.00}, since the account was closed. It seems clear to me that the account was wrongfully closed by Santander, not me, so the {$400.00} should be honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried contacting experience several times about inaccuracies on my credit report. I understand because of COVID things are being prolonged but it has been well over 90 days from my first initial letter. I understand the the credit bureaus are not government regulated and I feel as I am being taking advantage of as a consumer and American citizen. Ive attempted mailing in my disputes and calling but when I call they stay for me to mail my disputes in which I have numerous of times. I feel like my matter should not be over looked, as a XXXX man in this country who ancestors have been robbed of their freedom and dignity I feel I am walking in the same steps as my ancestors before me. I wish to have this matter settled in court and to have the backings of the XXXX XXXX against a great fight against man kind
Product: Checking or savings account

Ive been unable to open a checking account with XXXX, XXXX XXXX, XXXX or any financial institutions due to Early Warning Services LLC restrictions on my Identity/Account. I called XXXX they said I was cleared to open an account, on XX/XX/2022 I went to a local branch in XXXX, XXXX to open an account after I was instructed to by a XXXX  customer representative. When the banker attempted to open the account, an error was giving from early warning service LLC and I was unable to open the accounts. Ive been having issues with multiple banks with early warning Services LLC and I would my name cleared from there system and all my information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following incorrect names, addresses, accounts and inquiries : XXXX XXXX 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 Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Product: Mortgage

Dear CFPB, I am writing to formally file a complaint against Carrington Mortgage regarding what I believe to be retaliatory actions concerning my mortgage account and previous complaint XXXX Details of the Complaint : Retaliatory Actions : Today XX/XX/2024, Carrington mortgage is returning my mortgage payments for XXXX, XXXX and XXXX in the amount of {$1500.00}. After expressing concerns about my loan terms and seeking clarification on my account, Carrington Mortgage has indicated they wish to increase my payoff amount for XX/XX/2024, which I did not request for MAY since they FAILED on last payoff. This seems to be a direct response to my inquiries and is causing significant distress. Today I received certified letter with a Notice of Intent to Foreclosure if I don't submit a payment of {$1600.00}. Furthermore, they have an unapplied amount {$1500.00} and I informed the supervisor to apply the amount to my loan and she stated NO. 

Lack of Communication : I have attempted to resolve this issue through customer service and supervisors, but my inquiries have gone unanswered or been met with vague responses. This has left me feeling unsupported and confused about my options.

Impact on My Finances : The sudden increase in the payoff amount will severely impact my financial situation, and I believe this action is unjustified especially since they failed and didn't HONOR the last payoff which was returned to me on XX/XX/2024. 

Desired Resolution : I am seeking assistance in resolving this matter. Additionally, I would like assurance that I will not face further retaliatory actions for exercising my rights as a borrower. They failed me back on XX/XX/2024, for my last payoff {$4000.00}, even with phone calls to Carrington Mortgage if my payoff had been received on XX/XX/2024, which they hadn't received, XX/XX/2024, same they will research and finally on XX/XX/204 they said oh funds were returned back to you since there was an adjustment. An adjustment I was NEVER made aware and again they failed to inform me. 
Today I spoke with Carrington Advocacy XXXX XXXX, and she informed me that Carrington did fail on notifying me of adjustment and will ask to apply unapplied funds back but will inform me of any changes and updates.

Thank you for your attention to this matter. I hope to hear back from you soon regarding the steps I can take to resolve this situation. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$8500.00}, {$2300.00}, {$5000.00}, {$0.00}, {$3300.00}, {$1700.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

7. XXXX XX/XX/XXXX/XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Debt collection

I received a letter from Morgan & Associates Attorney at Law  with a date stamp of XXXX XXXX, XXXX In this letter it states this is an attempt to collect a debt with a balance of {$4500.00} and has a signature as if there was a lawyer, and attached was a full Detailed breakdown of the services that was rendered to me on XXXX. 

XX/XX/ I responded with a certified HIPPA violation letter to that facility stating they didn't provide a HIPPA release form to their facility and with the information they provided violated my HIPPA rights. Shortly after the account was deleted off my credit report and heard nothing else from Morgan & Associates Attorney at Law. 

I received a letter from XXXX stating as of XXXX the account was assigned to them for collection. Morgan & Associates already violated my HIPPA Law rights and turned around and release this debt to another collection agency for collections.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

a fraudulent XXXX credit card was opened in my name and charged many items. 

i never applied or authorized this account