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

I have been notified that these accounts have been verified accounts on my credit report. Despite my initial dispute, the items listed below remain on my credit report, negatively impacting my creditworthiness : * XXXX XXXX XXXX XXXXXXXX, Balance : {$1000.00}, Opened : XX/XX/XXXX * XXXX XXXX  - XXXX, Balance : {$620.00}, Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$1700.00}, Opened : XX/XX/XXXX These accounts were previously disputed based on my belief that they contain inaccuracies, and despite the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), you have failed to adhere to the regulations. According to the FCRA, it is mandatory for credit reporting agencies to provide consumers with a fair and accurate summary of their credit history. 
Upon reviewing my credit report, it has become evident that the continued presence of these accounts is not only damaging my credit score but is also in violation of the following sections of the FCRA : * Section 611 - Procedure in case of disputed accuracy * Section 623 - Responsibilities of furnishers of information to consumer reporting agencies I demand that Experian/TransUnion immediately remove the aforementioned collection accounts from my credit report, as they have failed to provide evidence of the accuracy of these items within the required time frame, thereby violating my rights under the FCRA. Additionally, I request that you provide written documentation of the removal of these accounts from my credit report within thirty ( 30 ) days of the receipt of this letter.

If you fail to comply with my request, I will have no choice but to seek legal counsel and file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) as well as pursue further legal actions in accordance with the FCRA and other applicable laws.

Please provide a written confirmation of the receipt of this letter and the subsequent actions taken at your earliest convenience.
Product: Debt collection

Called during Covid-19 crisis after XXXX. XXXX issued guidance on collection suspension for at least 60 days.
Product: Mortgage

When my mortgage company transferred servicing there was some confusion. I recently applied for a refinance with the mortgage broker who helped me purchase the property. The credit report shows I was late on XXXX and XXXX payments and currently past due. This has dropped my scores by almost 100 points and needs to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent requests from all 3 credit bureaus for several fraudulent accounts to be immediately and permanately removed from my credit report if the original contracts could not be provided to me showing that I did infact owe these debts. Transunion, XXXX  and XXXX  continue to ignore my request and have NOT removed these items from my credit report. These companies claim that these items have been verified yet have not provided ANY documentation to me, showing any of the documents that I requested as PROOF of proper validation and because of this, they are in clear violation of my rights as a consumer. I am requesting that these items be removed IMMEDIATELY or I will be contacting my attorney to file a lawsuit against these 3 companies for this violation as too much time has passed since these requests have been made and nothing has been done.
Product: Credit card

I have 2 card with Capital One. Capital One is not applying payments when I make them online. The are posted several days late and causing late fees and additional interest on the account. Furthermore, their customer service is not up to standard since they do out source this service. Unfortunately, since there cuts service is based on another country the representatives are unable to process the request I make or comprehend my request. 

It should be noted WALMART is currently suing Capital One for these same issues. Capital One has admitted wrong doing as well. Please refer to case.
Product: Mortgage

This whole debacle with our home/mortgage with Shellpoint stemmed from Shellpoint offering a " XXXX relief program '' as many lenders offered. As we approached the deadline, Shellpoint refused to answer any of my questions with regards to " what are we going to do next? '' Shellpoint offered over XXXX different single point of contacts and each XXXX of them still refused my numerous requests for help. 
Shellpoint started foreclosure proceedings and they also set an auction sale date. With the little money I had at that time was spent on real estate Attorney XXXX XXXX in XXXX XXXX. He, within XXXXXXXX XXXX  made Shellpoint stop any further actions on our property. Shellpoint then retaliated by giving us only XXXX option and that option was " a take it or leave it modification '' that raised our payment over {$1100.00} per month, making it even harder for us to afford our house. At that time, I was XXXX XXXX XXXX and suffering from XXXX XXXX, in which, our beautiful home is equipped for my XXXX The only ones concerned with what was going on with us and our home, were my wife, myself and our family. Shellpoint showed no remorse whatsoever for what they did to us and could give a XXXX XXXXXXXX with regards to helping us. Not only did they raise our payment over {$1000.00} per month over the original payment of {$1800.00}, they also put in approximately {$130000.00} onto our mortgage balance, which raised it from {$220000.00} to nearly {$380000.00}. Shellpoint told us this was not a modification rather a forbearance that we never agreed to or signed. This is absolutely criminal, predatory and malicious in every way shape or form. This worry and stress has worsened my XXXX , which has left me XXXX XXXX Does Shellpoint care? Absolutely not! Please help in anyway that you can and help us save most beautiful forever home. 

With sincere gratitude, XXXX and XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX
Product: Money transfer, virtual currency, or money service

I have a CashApp account. I can not log into this account because of an unexplained error with my phone and the app - their support has been unable to help me correct this problem. I can get access to my account on the web, but the web version of my account doesn't allow me to close the account. When I tried to, then, tell them I wanted to delete my account, I was told that I can not delete my account while there are funds in the account. I can not remove those funds from the account without access to the app, which they can not provide me. I was finally told by the representative that she could not pass me on to a supervisor for this, and then she hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, Im writing this matter myself without the help of any third party. I hereby now will go forward with my dispute. In accordance with the Fair Credit Reporting act. The list of creditors below are violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX  Account # : XXXX, are violating my rights. XXXX XXXX. Account # : XXXX violating my rights. XXXX XXXX Account # : XXXX, are violating my rights. XXXX  XXXX XXXXThe creditors as well as the credit reporting agencies ( EQUIFAX, XXXX XXXX, and XXXX ) are violating my fourth amendment right. I should be protected and secure within my papers and I have not been with a reason being my personal information is being reported to consumer reporting agencies without my written consent. I aint secure within my papers and that is a violation of the fourth amendment right. Further, 15 U.S. Code 1681 section 602 A of the Fair Credit Reporting Act states I have my right to privacy. I am being taking advantage of in which I highly feel that the listed creditors as well as the credit reporting agencies are conspiring against my rights to injure me as I am currently injured due to my right to privacy being breached. I am being deprived of my rights and I am being treated very unjust. The creditors that i have listed did not have lawful authority to transfer my social security number amongst the credit reporting agencies listed ( EQUIFAX, XXXX XXXX, and XXXX ). 15 U.S. Code 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. The above listed creditors and the above listed credit reporting agencies are committing aggravated identity theft and can face imprisonment for what they are and doing and have done to me as I did NOT authorize, nor give permission, nor did I provide any written consent to any persons to furnish such accounts. 15 U.S. Code 1681c ( a ) ( 5 ) states very clear that no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. My consumer report by law shall not contain any of the listed accounts that I have listed above. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states 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 notified the listed creditors prior to doing this complaint to let each person know their reporting is in-fact incomplete, inaccurate, and non-verifiable. I demand that these accounts to be deleted immediately or I will file litigation for the injury and emotional anguish this matter is causing me. Thank you for your attention to this matter, I assure you will not discriminate.
Product: Checking or savings account

History : I had instructed Citizens Bank and asked them to remove all the overdraft facilities back in XXXX. In XXXX they activated the facility without my knowledge and there were charges. I made the complaint back then and only they refunded the amount. 

Summary of your complaint made back in XXXX : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Current Issue : Similarly, Citizens bank has activated an overdraft facility on the pretext of preauthorized debit this time and charged me {$280.00} over the months of XX/XX/XXXX and XX/XX/XXXX. 
I called the bank customer service but they said they can not do anything except refund me {$20.00}. They try to reason it saying it's because of the preauthorized debit but the charges clearly say its overdraft fees on the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kindly be sure with the accuracy and precision with this customer record account. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is XXXX XXXX verifiable and appropriate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX 's collection agency ( XXXX XXXX XXXX ) in XX/XX/XXXX to start the resolution process. I requested that XXXX XXXX XXXX provide a  documentation of the loan, proof that the loan was mine, and that the loan wasn't paid off according to the terms, as I paid this loan off in XX/XX/XXXX. There was a " process '' to get this information. I waited 24 hours and received a phone call back and was told they could give me no further information. 

As there can be no documentation provide from the creditor this loan should not be reporting to my credit report. I filed a dispute with XXXX with no resolution. When I called XXXX to discuss the dispute, I was told that the creditor just said that the loan information that was being reported was correct. I have still received no proof of the loan being legitimate.
Product: Credit card or prepaid card

I paid the balance due of XXXX on my Ultamate Rewards XXXX XXXX on XX/XX/, which was 2 days before the due date. When I got my XX/XX/XXXX  statement, there was an interest charge of {$86.00}. When I called to inquire about it, I was told it was " residual '' interest. This seems to be fraudulent lending practices. I have never had a credit card charge interest after the full balance has been paid. After a lot of discussion, they wouldn't budge, so I paid the interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX had a Credit Card with Wells Fargo. I had some financial Hardship situations happen to where I couldn't make the payments for awhile until I was able to get back on my feet. Any time before the hardship happened, all my payments were on time and no problem at all. The card went into Wells Fargo Collections XX/XX/XXXX - XX/XX/XXXX I was in good standing status with this card. The following four months I  was late on my payments, so then Wells Fargo closed the card and the account. I then continued to receive calls from the Wells Fargo collections department all hours of the day. When I was able to finally put some money towards this card, I called them so that we can make payment arrangements. From XX/XX/XXXX - XX/XX/XXXX I made payments. XX/XX/XXXX I called the collection dept. and made a full payment. They told me that they would send me a paid in full letter, which they did. As well as correct the status of this account with the major credit bureaus right away. According to my most recent credit reports, the status of this account has not been updated. This has stopped me from increasing my spending power with other Credit cards because this has not been corrected.
Product: Money transfer, virtual currency, or money service

Sent XXXX on XX/XX/XXXX and the website informed me the money would be available to the recipient on XX/XX/XXXX. I filed a complaint with paypal and the website informed me that my complaint would be responded to by XX/XX/XXXX. See attached screenshots.
Product: Credit reporting or other personal consumer reports

In accordance with the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a bill, and a letter from an advocacy group assisting me due to XXXX XXXX XXXXebt bondage, which falls under trafficking as outlined in the Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I respectfully request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have supplied my identification and the required documents from the list of acceptable items, as mandated by law. Additionally, I have included a victim determination letter as per XXXX ( b ) ( XXXX ).
Product: Mortgage

On XXXX/XXXX/XXXX, my home sustained water damage. I reported this to the mortgage company, Nationstar Mortgage LLC d/b/a XXXX XXXX NMLS # XXXX, and my homeowners insurance company. I opened a claim with the insurance company. I hired a licensed contractor who repaired the work and I paid the contractor in full out of my pocket. The insurance company and mortgage company were notified the work was completed and were provided documentation verifying the completion of the work and that the contractor was paid in full. The insurance company verified the work had been completed to their ( and my ) satisfaction and that the contractor had been paid. On XXXX XXXX, XXXX, the insurance company issued check for the cost of repair less my deductible and made the check payable to me and the mortgage company. I endorsed the check and sent it to the mortgage company for endorsement. They have unlawfully and without my authorization withheld my reimbursement of funds. They have lied, they have withheld information, they have made unlawful and unreasonable demands of me and my contractor under the guise of what is required to obtain my funds. When I have attempted to comply, they have denied receipt of documents that they received, and they have continuously added additional requirements before they state they are willing to send my funds. I have requested email verification of their procedures and demands. They refuse. I have requested to speak to a supervisor. They have refused. I am retired and depend on my funds for my life expenses. I have been without these funds for two ( 2 ) months without end in sight. They have effectively stolen my money. I am current on any and all financial obligations to them and they have withheld almost {$30000.00} from my savings.
Product: Debt collection

Date : XX/XX/2020 Amount : {$2700.00} Action : I sent a letter and I asked for a request for proof of a contract to substantiate your claim. I asked to provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is, in fact, a copy of the original paper contract in question. I did not request for an accont validation, and they sent me a account validation.
Product: Student loan

I had multiple student loans with Wells Fargo Education Financial Services.

As soon as the payments started I put my account on auto-payment. Most, if not all of the loans ( I need to review paperwork to confirm ), were scheduled to be finished in XX/XX/XXXX. 
I haven't received monthly statements due to being on auto-pay. I recently received a bill in the mail for {$50.00}. This is less than the monthly payment I have been making since XX/XX/XXXX. I thought this would be a final payment and that is why I was receiving a bill. I called and they told me it was not a final payment. I received the bill as I " ran out of payments ''. When I asked what that means, I was told that I had made the required number of payments on the loans ( by auto-payment ) but that they hadn't been collecting enough to pay off the loans in that number of payments. Not only had they not been collecting enough over the last 10 years, but I still owe {$9000.00}. 
I have escalated this to multiple managers at Wells Fargo and they will not even call me back, much less explain how this happened. I do not know if it is legal to extend the length of a student loan due to not collecting enough, but it is unethical at best. 
That is beyond the fact that the company is ignoring my inquires on how to fix this problem. Again, I have followed up multiple times, and the last time I spoke to a supervisor ( XXXX ), she promised I would receive a call today with an update. When I didn't receive that phone call, I feel I have no other recourse but to contact you and hope you can help me.
Product: Vehicle loan or lease

ON XX/XX/2018 I submitted a CFPB complaint asking that Santander provide me a copy of all three pages of my note showing where I accepted a Daily Simple Interest loan. Twice I have called the company and requested all three pages of my note ( which would include the term and conditions ) so I can review and feel comfortable that they had the right to charge DSI rate which extended my maturity date 8 months due to deferred payments and another 14 months due to having a balance at the end of my term of {$6000.00}. I have attached my original request and their response. In reviewing their response I still do not see where I signed for a DSI loan. That is all I asking for is proof that this is what I agreed to.
Product: Credit reporting or other personal consumer reports

XXXX recent inquiries my information was found on the XXXX XXXX
Product: Credit card

Target allowed an identity theft person to open a Target credit card in my name without my authority. Then when I called to alert Target of the fraudulent credit card opened in my name & demanded to have it closed immediately! Target sadly neglected to close the new credit card that was fraudently opened in my name & instead frauded the credit card I had with Target since 2021 blocking me from access to the account whatsoever & I tried to make a payment online as Ive been doing for past year & a half, Im npw blocked from any access & cant even pay the min due on time creating a vicious cycle of late fees now due to the fact that Target blocked the wrong card XXXX  & needs to fix this critical mistake they made on my behalf now affecting my overall credit the main thing I absolutely did not want to happen. Targets negligence has this matter has affected my credit. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Record - Today I contacted the District of Maryland located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX with the phone number XXXX They informed me that they do not supply information the third parties. How did you verify this public information? Chapter XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/2016 ;
Product: Mortgage

My property mortgage is serviced by MyLoancare.com. I have been trying to access my online account for months. It recognizes my account but says that my online credentials can not be verified when I try to reset my password. There is zero way to reach a real person. There are only automated systems that run in circles and waste time. It is crazy that someone can hold your mortgage and be completely unreachable. I need to access my online documents to complete a refi on my primary residence. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 a account without my written instructions I am not liable for this debt with XXXX XXXXXXXX XXXX  and do not have a contract with XXXX XXXX XXXX. They do not provide me with the originial application like I asked.
Product: Credit card

On XXXX and XX/XX/XXXX of XXXX I contacted Citi card rewards. The first time was chat and the secoind time was the phone. I get check mailed to me becaseu they can not seem to figure out how to deposit it to my checking account ( the same one I pay them with ). So now I get an error message that my address needs updating. They update it and get the same message- telling me they still can not send the check. Basically they give me no way to redeem but to apply it to my card balance. That is not the contract for rewards- it is CASH rewards. They are running a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( XXXX, EQUIFAX, XXXX ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. 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. I am demanding you to block and remove this information within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.