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

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Mortgage

Shellpoint Mortgage Servicing services my loan and also collects money from me monthly for an escrow account, from which they pay my property taxes and homeowners insurance. The problems in the past stemmed from this escrow account, which they like to pad with exorbitant amounts of extra money to prevent the escrow account from going into the red when they pay the taxes twice a year. XX/XX/XXXX, they again decided to pad the escrow account and raised my escrow payment by {$1300.00} per month. This was the beginning of the nightmare that has now resulted in five months of Shellpoint lying to me, ignoring my calls, never returning calls, passing the buck, leading me up the garden path to nowhere, sending them mountains of paperwork and generally wasting my time. Even worse, they have ruined my credit, which was excellent when I applied to them for a modification XX/XX/XXXX. They have incorrectly reported me as having been late on payments, when all along, it was Shellpoint who had not applied the funds I paid them in XX/XX/XXXX and XX/XX/XXXX for the XX/XX/XXXX payment.
Product: Credit reporting or other personal consumer reports

I called XXXX and informed them that I had recently filed an IRS Tax form 1099c for the cancellation of my student loan debt which has since been accepted. After informing XXXX of this acceptance, I then proceeded to ask the supervisor to update my account and credit report to the appropriate status ( closed with a status of " settled '' ) in which XXXX responded that they no longer honor tax form 1099c and she was unable to help. She suggested that I emailed in corresponding documents, which i have done, yet XXXX has failed to correct my account status. 

26 U.S.C. 61 ( a ) ( 12 ) establishes that income includes any discharge of indebtedness, meaning when a creditor forgives or cancels a debt, the forgiven amount is generally treated as taxable income. Once a debt is canceled and reported on Form 1099-C, it signifies that the creditor has officially written off the debt for tax purposes. Under the Fair Credit Reporting Act ( FCRA ) and guidance from the Consumer Financial Protection Bureau ( CFPB ), creditors and debt collectors should not continue reporting a canceled debt as delinquent, as it no longer legally exists as an enforceable obligation. Continuing to report a discharged debt as due or collectible may constitute inaccurate credit reporting, which could be grounds for a dispute or legal action.
Product: Debt collection

Received an alert that a collection account was added to my credit file. The account stated CCS collection in the amount of {$1100.00}. - I immediately contacted the company to know what this debt was from. The company listed an old address I hadnt lived in for years and was unable to verify my correct information. 
I let the company know I am a victim of fraud. I stated any account which was opened I wouldve had to answer fraud questions prior to opening account. This company kept asking for my full SSN number. I refused after all they should have that information. I agreed to give them my birthday this way I can have the information sent to me via email. 

The company they state I owe is XXXX  XXXX. Which was highly unusual because I am a customer with XXXX XXXX and do not owe anything with them and I am a current customer with past due balance. I told them I would be reaching out to XXXX  to verify the debt they said there debt was valid. 

I reached out to XXXX XXXX they state I do not owe anything with them and my account is current and I do not have anything with any collections agency for their company. 

Please remove this fraudulent account from my credit file correspondence below. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

* Contacted XXXX XXXX XXXX XXXX XXXX  back in XXXX to correct the balance * Called XXXX on XX/XX/XXXX and spoke to XXXX who works on XXXX XXXX Legal Collections Team ( who was very helpful ) along with XXXX who manages coordination with XXXX XXXX XXXX XXXX XXXX. XXXX conveyed her apologies for the oversight of the late reporting, and payment history since the account was settled in XX/XX/XXXX, but their documentation reflects XX/XX/XXXX. 
XXXX XXXX that XXXX  would update the XXXX XXXX that day, but it would not reflect until XX/XX/XXXX. XXXX advised me to reach out to the law firm XXXX XXXX XXXX ( XXXX ) XXXX for the satisfaction of Judgement ( SOJ ) I spoke to XXXX XXXX who was not helpful at all, and suggested I call XXXX back. 
* XX/XX/XXXX I had a conference call with my Mortgage Counselor ( XXXX ) and XXXX to get an update on my credit score and documentation. I asked to speak with XXXX since she spoke to me initially, but XXXX who was very guarded with her responses and stated she was not available, but she would try to help. XXXX basically confirmed what I already knew to be true... nothing was done, and no documentation was available. XXXX also mentioned that the refund would be sent to XXXX XXXX, but did not share the amount. XXXX made note of both XXXX and my email address to forward the requested documentation. 
XXXX I received a letter from XXXX regarding my credit dispute stating " we do not have enough information from you to review your inquiry ''. 
XXXX called XXXX  and spoke with XXXX who stated XXXX  received the reference number for the SOJ but would not give me the number, but suggested I reach out to the District Court 's office. 
XXXX My mortgage team had XXXX XXXX XXXX XXXX ) reach out to me to have my tradelines updated without any late payments. XXXX ( XXXX ) and I conference called XXXX  and XXXX who was extremely helpful ( manages coordination with XXXX XXXX XXXX XXXX XXXX ) answered the phone and apologized for the inaccurate reporting, answered all of XXXX questions. Even though her office has a copy of the ( SOJ ) its not signed by the XXXX. XXXX suggested I reach out to the XXXX XXXX for an update. I called the XXXX XXXX again and spoke to XXXX XXXX again who couldn't even find my file with my account number. He found it eventually and confirmed that SOJ was still not signed, but that it could take a few days. I stated that's what you said this the last time, and nothing has happened! He was not professional towards the end of the call. 
XXXX XXXX XXXX out to me and stated that late payments are still reporting on my credit history even though it has a XXXX balance. XXXX suggested I call XXXX again to have them correct it. XXXX stated she always has difficulty when dealing with XXXX XXXX. A formal complaint to Consumer Financial Protection Bureau ( CFPB ). 

I will call today again on my behalf.
Product: Debt collection

XXXX was my original creditor. Due to financial distress, I could not make payments as agreed, and the account was sold to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I spoke with a representative about my account XX/XX/XXXX, and we had agreed to cut the balance in half ( original {$3600.00} down to {$1800.00} ) and to set up a biweekly payment plan of {$35.00} to be settled in full by XX/XX/XXXX. I see that every 2 weeks, payments are still being deducted. When I call they claim an amendment never existed, and do not see a record of the call. I was told the balance owed is still {$2100.00}, and not the {$350.00} I had assumed I had agreed to. 

I spoke with XXXX ( ext XXXX ) on XX/XX/XXXX, who was really kind, and said she'd review recorded calls for the dates I specified ( XX/XX/XXXX to XX/XX/XXXX ). She said I should hear back within an hour, but I do not understand why a record of my call and the contents do not exist. 

I am asking that ACF mark the account as settled in full, as agreed, and cease and desist taking any additional payments via ACH or EFT or otherwise debiting my account. I have also not been receiving any printed or emailed statements regarding my account, which I believe is a violation of FDCPA. I had sent a letter in XX/XX/XXXX about my change of address, but I never heard back. 

I am upset because I agreed to pay and feel hoodwinked that they never notated my account.
Product: Credit card or prepaid card

ON XX/XX/2019, Citibank closed all 3 of my credit card accounts without warning. I reached out and was told the accounts were closed do to " too many revolving accounts '' and they reserve the right to close the account at any time. What exactly constitutes " too many accounts? '' Is Citibank acting in a monopolistic manner in which they need to be your only creditor so that they make the most money? Can one not have credit lines with other financial institutions? My credit is flawless and that is the reason I and able to pick and chose which credit lines to use. I believe Citi observed that my balances were always paid in full, and that they were not earning money by charging me interest. 

Payment was always mad in full and on time. 
Oldest account open for 8 years As a result of Citi 's action, my credit score will be negatively effected by lowering amount of available credit thus increasing credit utilization percent. It will also damage the age of accounts since the oldest account with Citi was 8 years. 

Credit card companies should not be able to close your account for doing business with other financial institutions by damaging your credit score,
Product: Mortgage

On XX/XX/XXXX, NewRez LLC dba Shellpoint Mortgage Servicing took over my mortgage from XXXX. XXXX told me to continue to pay them, that Shellpoint was name only. This was incorrect. When I tried to pay XXXX my payment in XXXX it bounced back to me. I immediately called Shellpoint and they told me that I should be paying them. They explained that is takes time for information to go from one company to the other. I paid this payment on XX/XX/XXXX and then paid my XXXX payment on XX/XX/XXXX. Two days ago I received a letter in the mail from Shellpoint Loss Mitigation office as an Intent to Foreclose on my house. I called them immediately and they said they never received these two payments and they charged me a foreclosure process fee of {$350.00}. I sent my bank statements to show them that these payments were in fact paid, they said I still owe {$350.00}. I don't understand how I owe this and how they can begin foreclosure proceedings. Their customer service is horrible, I am seriously afraid of what could happen as they seem to do what they want. I have called everyday waited on hold for 40 minutes or more, requested call backs that I never received. Last night I received a call from them, the number came up on my phone as Telemarketer. This was very disturbing for me. Before XXXX sold my loan, I had a surplus in my Escrow account for approximately {$5000.00} which they said would come to me. I have not seen this and Shellpoint claims to know nothing about it. I have just recently been discharged from a 5 year bankruptcy. I have worked hard to try and rebuild my credit, this company is making things impossible. I don't know what to do at this point. Please help. 
Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

They are the cause of my data breach alone with XXXX and there are accounts with the collection and late payments, addresses that do not belong to me and all of this stuff is preventing me from getting an apartment for my and my children 's credit e.c.t. We are homeless right now because I've been fighting with Equifax and XXXX credit report for months. I did not realize that my credit report had been tampered with since XXXX I didn't realize it until I noticed that my XXXX XXXX and a lot more of my accounts were changed into a different name and every time my bank cards were used. and this was back at the end of XXXX.
Product: Debt collection

Affirm calls me multiple times a day starting at XXXX on the dot. They call maybe every other hour upto 5 times a day even weekends. I feel that this is harassment because I cant even relax in the morning because the clock changes to XXXX and they call. Please have Affirm stop calling.
Product: Credit card or prepaid card

I received an airline credit to my credit card account on XX/XX/2020 in the amount of {$11000.00}. I did not owe a balance due so I contacted Citibank on XX/XX/XXXX to request a refund of my {$11000.00} credit balance. I was told I would get the refund deposited to my checking account in three to five business days. It did not arrive. On XX/XX/XXXX I checked on the status and was told it would take yet another three to five business days. I have contacted Citibank numerous times to include on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called, I have " chatted '' with a representative and have sent emails to the Customer Service executive ( XXXX XXXX ). It is now XX/XX/XXXX and I still have not gotten any of the amount due to me and no one can or will give me a definitive answer as to the payment date. They have held my money for over three weeks now and seem to have no incentive to make the payment to me!
Product: Mortgage

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date XX/XX/XXXX CFPB Case # XXXX We received your response and over the last months have been working with the builder and our attorney to move our project along. Not having any financial leverage has put us in a bind and our project is still not completed. 
On XX/XX/XXXX TD Bank received a draw request from our builder. On XX/XX/XXXX I advised TD Bank that this draw would put us at 97 % complete and we were FAR from that. We spoke with the TD Bank rep and I sent current photos of the house. I was advised they would not release funds. On XX/XX/XXXX, after months of no progress we finally reached out to TD Bank for help and were advised that TD Bank had in fact released the funds. We are still not at 97 %, we still dont have a specific date as to when we can expect to be completed or when we will get a TCO or CO for our building. 
In your response to CFPB, you offered to protect your concern on our property with a title search and not charge us interest on the funds you released without our authorization. This is not sufficient. 
I have attached a detailed spreadsheet of expenses we have incurred and continue to incur due to your banks error. The amount, as of last month, is {$140000.00} which I have broken down for you to review further. On another tab, TD Bank paid our contractor for items that he did not do. Money he was not entitled to and would not return. This amount, {$36000.00}, already exceeds the amount of the final draw on our loan. 
We are currently seeking the {$140000.00} as a reasonable accommodation for your mistake. This mistake is the major reason we have been able to move this project along and move into our home. 
We understand that the CFPB may allow you another 30 or 60 Days to respond, but these additional delays continue to cost us money which you should also be responsible for. With that said, we would like a response and/or restitution in 2 weeks, or as of XX/XX/XXXX. 
Attachments : E-mail we sent to not release the funds, spreadsheet showing our incurred expenses since you released the funds without our authorization.
Product: Prepaid card

I bought this card a long while ago ( I don't remember the exact date, but it was like 2 months ago ) and it's just been sitting with a balance of XXXX $ and I haven't been able to use it it's been declined by every site/company I've tried to use it at and when i call customer service they just say it's always getting declined for my safety even though I've bought from other retailers with a different company 's sold prepaid card.
Product: Money transfer, virtual currency, or money service

3 months ago venmo frozen my account. I gave them everything they asked for and they permanently deactivated my account and wont give me my XXXX $ back
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account XXXX XXXX XXXX  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

This is a follow up reply/claim on CFPB, case number : XXXXWells Fargo case number : XXXX. 

SR Escalations Rep on behalf of Wells Fargo, narrated the development of the claim thru Wells Fargo stating that the fraudulent activity was not caused by any error from WFMS and making us responsible for the disputed bank card interchange fees in the amount of {$4400.00}.

We insist that the above is not right by the bank, given the following : 1. A number of transactions in the order of XXXX ( XXXX XXXX ) count were attempted on our online website payment XXXX ( XXXX ) in a time span of 12 hours by what we think was a robot software. None of them were approved. 
XXXX. No party, but the bank and its card processing partners ( not even the hacker ), were benefited from the rounded XXXX transaction attempts on this fraud episode on our websited payment XXXX. 
XXXX. There was no business transaction completed such as a sale, merchandise exchange or sale refund by which a bank card was processed. 
XXXX. Our payments XXXX was blocked by WFMS after the above attack. We could not even process physical payments at our local store with our POS machine. 
XXXX. Wells Fargo Merchant Services nor its card processing partners, never oriented us, as a small business with a card processing service, on best practices for our online payments XXXX, nor has memoed nor updated us on fraudulent activity trends, nor has implemented or made us aware of any fraud prevention campaing for small businesses online in order to try to avoid this type of attacks as much as possible. 

So in conclusion we have an attack of the aforementioned characteristics that was not blocked nor prevented by WFMS and its bank card processing partners and/or its fraud prevention department, but yet our payments XXXX and payment processing service was blocked remotely by Wells Fargo and reactived when we called in to report the attack. 
Why wasn't the same criterion used to block our payments processing service at last, used when the transaction number reached anything unusual for our historic typical use of the payments processing gateway/service? Our daily transaction count tops in 50 transactions in any given 24 hour period. Just like a credit/debit card gets blocked when it is used for non-typical uses, so no further transactions can be attempted.

WFMS failed to provide this security measure, ergo Wells Fargo Merchant Services is responsible for the excess amount of transactions attempted on the payment XXXX. 

We are a local-family-owned small business that gets charged monthly fees from the bank to have this type of fraud protection and periodic orientation on new fraud trends or schemes. We are long standing customers and we have been failed by our bank.We feel defrauded. 

Please refund our account in the amount of the remaining balance for the charged interchange fees equal to {$4400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by Equifax, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) these accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), Equifax has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shows no creditor name and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. # XXXX, # XXXX, # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i was reviewing my credit report and seen some accounts that did not belong to me. One of those accounts was from Bank of America account number XXXX i have never opened this account and have never authorized anyone to open it using my personal information. I contacted XXXX and sent them my police report and identity theft victims complaint and affidavit signed by the XXXX XXXX Police department to support my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft and the person used my information to rent a lease last year in XX/XX/2022 that resulted in unpaid rent of {$880.00} that now a collection agency is trying to collect on. Equifax is incorrectly reporting on this fraud in my credit report. I would like for Equifax to remove this negative mark as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX, equifax, and XXXX XXXX are still furnishing inaccurate information, closed accounts, charge offs and transactions on my consumer report. Wrong name and different aliass that hinder my fico score.