23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shellpoint Mortgage Company has not given a full refund as stated in an email received on XX/XX/2020 at XXXX. Shellpoint Mortgage Company has withdrawn the following insurance premium disbursements from my escrow account : XXXX {$490.00} XXXX {$450.00} XXXX. {$67.00} On XXXX, Shellpoint Mortgage Company has decided to return {$490.00} to my escrow account on the day for Escrow Analysis. This amount is less than the {$490.00} insurance premium disbursement that was withdrawn on XXXX. On XXXX Escrow Balance was {$670.00}. On XXXX Escrow Balance is {$1100.00}. Shellpoint Mortgage Company has not returned the additional amounts of {$67.00} and {$450.00}. My actual escrow balance should be {$1600.00}. Shellpoint Mortgage  Company has instead stated that after Escrow Analysis a shortage of {$1200.00} and an increase of mortgage payment to {$880.00}. Shellpoint Mortgage Company has intentionally not refunded all the insurance premium disbursements and is stealing funds from my escrow account. In addition, Shellpoint Mortgage Company is making false claims about a shortage being present when the fact is that my escrow account has a surplus and the mortgage payments should have decreased. This is against the law.
Product: Vehicle loan or lease

I totalled my car and Quality acceptance was paid and now they put my left over loan as a collection/ charg off after we talked about me trying to pay it off or get refinanced through someone else for a new vehicle. Covid-19 is going on we all our struggling this is ridiculous. I paid my car not on time.
Product: Debt collection

XXXX XXXX Experian account Not properly investigated by experian
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to express my deep concern regarding the improper use of my credit report and the consistent reporting of inaccurate information to your bureau. 
My equifax credit file should have been frozen but it wasnt. Equifax should have abided by consumers choice on the call when I requested a freeze. Furthermore, it is reporting a XXXX FICO score. 
As a consumer, I entrust Equifax with sensitive financial data, expecting it to be handled with the utmost care and accuracy. However, recent experiences have led me to question the ethical standards upheld by your organization. It has come to my attention that my credit report has been utilized improperly, potentially for the benefit of Equifax, through the sale of inaccurate information. This unethical practice not only violates my trust but also undermines the integrity of the credit reporting system as a whole. Furthermore, I have repeatedly encountered inaccuracies in the information reported by Equifax. These inaccuracies have had detrimental effects on my financial well-being, leading to unfair denials of credit and other opportunities. Despite my efforts to rectify these errors, they persist, indicating a systemic failure in your data management and verification processes. I demand immediate action to rectify the inaccuracies in my credit report and to ensure that my information is not misused for your benefit or that of any third party. Additionally, I urge Equifax to implement stringent measures to prevent such unethical practices from occurring in the future and to restore trust in your organization among consumers. Failure to address these concerns promptly and effectively will leave me with no choice but to pursue further action to protect my rights as a consumer. I trust that Equifax will take this matter seriously and prioritize the integrity and accuracy of the information it handles. I look forward to your prompt response and resolution of these issues. Sincerely, XXXX XXXX
Product: Debt collection

I have sent letters to the company about a debt that they trying to collect. Told them I do not recognize this account and I have no previous knowledge of it. And to provide me validation that this debt is mine. This agency is in violation of 15 USC 1692g and 15 USC 1681, under the truth in Lending Act USC 1602 ( g ), " credit card " is definitely Following : This makes your social security card, drivers license/ ID, and license plate. ( 2 ) EXCLUSIONS.- except as provided in paragraph ( 3 ), the term '' " does not include- ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term " credit card " means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. For the extension of credit.
Product: Debt collection

I owe a debt of {$3600.00}. I'v gotten four letters from this debt collector in the same month of XX/XX/XXXX and XX/XX/2018. I called and told then I was on SSI. I was told to send in an Award Letter which I did. Along with the Award Letter I sent in a Judgement Proof Letter. I called a week later after receiving the second so called Summons to  ask if it was receives. I was told it was on file.
Product: Debt collection

I was sent a letter in mail saying I owe a debt to XXXX XXXX. I wasnt aware of any accounts associated with them, nor have I requested to open up with them. I would like to report identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 was not given my written instructions XXXX XXXX account number is XXXX .... 

XXXX states balance is {$3100.00} XXXX states balance is {$0.00} equifax states balance is {$3100.00} date opened XXXX states XX/XX/2017 inaccurate XXXX states XX/XX/2017 equifax states XX/XX/2017
Product: Credit card

I reported fraudulent charges from XXXX on my Capital One XXXX on about XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a letter signed by " XXXX '' stating he had found " no indication of fraud. '' The same day, I called Capital One to attempt to speak with him, and was greeted by someone who would only identify himself as " XXXX '' agent ID XXXX. I asked to be transferred to " XXXX XXXX, '' and " XXXX '' told me he was unable. I asked to speak to a manager, and he refused, assuring me he was a manager. I reworded my request to ask to speak to his supervisor. He asked why, and I reminded him it was because I wished to speak to " XXXX XXXX '' He again asked why and I asked if he already forgot my reason, and if he was refusing to transfer me to his supervisor. He told me that I have to act professionally or he was going to hang up on me. He finally egregiously refused to connect me to his supervisor.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above. 
3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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 accounts below are in violation of my rights. The credit bureaus XXXX Equifax XXXX have been reporting inaccurate and incomplete information on my credit profile. I also filed a complaint with the FTC should they continue their non compliance, they shall be liable. Wenger v Trans Union., No 95-6445 ( C.D. Cal. XX/XX/XXXX ) credit reporting laws are to ensure that bureaus are reporting 100 % accurate information so the following accounts need to be investigated, I respectfully request to be provided proof of the alleged accounts such as the original application, contract, note or other instruments bearing my signature. Failing to do so, the accounts must be deleted from my report as soon as possible. Under federal law, the bureaus have 30 days to complete the investigation and I hereby request accuracy and completeness of the procedure. Can you please provide that information in 15 days? XXXX Equifax and XXXX is in violation of 15 U.S.C. 1692g. They were to notify me 5 days prior and I was not notified. As the original creditor, only I can validate this debt and I did not validate it. Therefore the accounts must be deleted from my credit report. 


Account info Account name XXXXXXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 

Account info Account name XXXXXXXX XXXX XXXX  Account number XXXX Account type Secured Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$940.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX : {$940.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit card

Respectfully, I reviewed your response to my initial complaint. Your response is incomplete. I contacted AMEX inXX/XX/XXXX and requested the balance on the account and simultaneously closed the account. The agent at that time gave me the balance minus the late and interest fees because my initial payment was returned because the mailing address for the payment was returned because AMEX changed the mailing address without my knowledge. In XX/XX/ I called again to confirm my account was closed and the balance XXXX. I was told the account was closed but a balance of {$0.00} remained which I again paid. Despite being told the balance and paying the balance AMEX kept adding a balance fraudulently. Additionally, even though I closed the account in XX/XX/ which AMEX acknowledged on several phone calls, somehow they came up with an erroneous close date ofXX/XX/XXXX only after I filed several complaints. Amex has been fraudulently charging me late fees and interest on a closed account which I attempted to pay off the balance on two separate occasions after speaking with reps. I contend AMEX has been fraudulently continuing a balance on the account and charging late fees and interest fees and erroneously changed the closed date account only after I filed several complaints. I request for the phone calls be reviewed where I actively tried to get the balance to XXXX the account and suspiciously a balance kept appearing. I request that you remove whatever balance is on the account and to report my account to the reporting agencies as in good standing considering I have spoken with AMEX agents on more than one occasion trying to pay off the balance in full. I should not be charged late and interest fees on an account I attempted to pay off on more than one occasion and after I closed the account in XX/XX/. The agent said they would credit the account the late and interest fees in XX/XX/ when I paid off the balance and closed the account. All other late and interest fees after XXXX are fraudulent as the balance should have been XXXX. My account was in great standing for years, it has only been since I have tried to pay off the balance and close the account that AMEX has been fraudulently overcharging me on late and interest fees and perhaps intentionally giving me incorrect payoff amounts so a balance would remain. Something shady is going on.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX : # XXXX, SpringOakCap : # XXXX, Credit Collection : # XXXX, Credit Collection : # XXXX, XXXX XXXX : # XXXX has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And 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 according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 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. and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit card or prepaid card

My card was fraudulently used in a XXXX in California. I purchased the card in XXXX North Carolina at a XXXX. I have the card and purchase receipts in my possession. I have submitted a dispute ticket with : DISPUTE RESOLUTION TEAM XXXX XXXX XXXX XXXX GA XXXX I keep trying to contact them and they do not respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2014 I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Please Follow the Law Of The State of Mississippi
Product: Vehicle loan or lease

I had a car loan with Wells Fargo and would like to know if Im one of the person thats entitled to a refund from the lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

Have attempted to dispute by mail asking them to remove four inaccurate addresses one which i never resided with copies of my State issued identification and recent utility bill reflecting my actual address, they did not. I placed a call to them on XX/XX/2022 and they still refused. Addresses are either incorrect or they have the wrong apartment number listed, or no apartment number listed Correct and ONLY address where US Mail is deliverable to me : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Wrong inaccurate addresses that need removed XXXX XXXX XXXX XXXX XXXX New Mexico XXXX NEVER LIVED IN NEW MEXICO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NEVER LIVED HERE XXXX XXXX XXXXXXXX XXXX XXXX, Ohio XXXX -INACCURATE MISSING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX -- WRONG XXXX XXXX should be XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX -- NO XXXX XXXX  LISTED I demand these inaccuracies be deleted from my credit file as they are false and inaccurate
Product: Credit card or prepaid card

Saturday,XX/XX/XXXX I called American Express Bluebird regarding fraudulent charges on my pre-paid card. The representative entered a dispute for the following charges : Transaction XXXX Amount {$8.00} TransactionDateXX/XX/XXXX Transaction atXXXX/BILL XXXX/BILL Amount {$36.00} TransactionDateXX/XX/XXXX Transaction atXXXX XXXX PMTS Amount {$21.00} TransactionDateXX/XX/XXXX Disputed Transaction Details : Transaction atXXXX*XXXX Amount {$15.00} TransactionDateXX/XX/XXXXDisputed Transaction Details : Transaction atXXXX*XXXX Amount {$24.00} TransactionDateXX/XX/XXXX There were other disputes however, the representative stated I would receive dispute forms to complete via the email address on file with American Express Bluebird and I would need to list all disputed charges and either fax or mail the forms back to American Express Bluebird for processing .
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The compromised card was cancelled and a replacement was issued- I expressed concern about my payroll direct deposit but, was reassured the payment would go onto the new card with no problems so, there was no need in changing anything with my employer.
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I have never received any dispute forms but, on Wednesday, XX/XX/XXXX, I did receive an email from American Expreas stating my disputes had been denied. Later, the same day, I received another email stating my account had been suspended. I am now unable to access the account online to view transactions or statements.
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I called American Express and was informed my disputes were denied because they determined the charges were valid and because of that my account was suspended. She also stated my direct deposit would be rejected and sent back to my employer because of the suspension. She denied my request for access to my transaction history as well.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service, which violates the Consumer Financial Protection Act ( CFPA ). specifically Cash App failed to take timely and effective matters to address and prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. Theses actions have cause significant inconvenience and financial loss, and I seek to appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am sending to notify you that I have been a victim of fraudulent activity. In my efforts to address the fraudulent items on my report, I discovered that I need to file an identity theft report with the Federal Trade Commission at https : //www.ftc.gov. As per FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report, reference number XXXX. Enclosed are the documents to assist in removing the erroneous personal information and inquiries from my report. Below is the list of items that were opened without my permission XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items in a consumer 's file identified as resulting from identity theft within four business days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of unauthorized inquiries that appear on my credit report, as provided for under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from [ Name of Credit Bureau ], I have identified multiple inquiries that I did not authorize or recognize. 

Listed below are the unauthorized inquiries : XXXX. XXXXreditor Name : ** XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX : ** XXXX. **Creditor Name : ** XXXX XXXX XXXX. **Creditor Name : ** XXXX XXXX XXXX XXXXXXXX [ Date ] XXXX. **Creditor Name : ** XXXX XXXX XXXX XXXX XXXX : ** [ Date ] XXXX. **Creditor Name : ** XXXX XXXXXXXX : ** [ Date ] XXXX. XXXXCreditor Name : ** XXXX XXXX XXXX XXXXXXXX : ** [ Date ] I categorically state that I did not apply for credit or authorize inquiries with the above-listed creditors during the specified dates. These unauthorized inquiries are inaccurate and are adversely affecting my credit score.

Under the FCRA, Section 1681b ( c ), and Section 1681i ( a ), I am entitled to dispute and request the removal of inaccurate or unauthorized information from my credit report. This includes unauthorized inquiries that have been improperly listed.

Enclosed are copies of my credit report highlighting the unauthorized inquiries, along with supporting documentation demonstrating that I did not authorize these inquiries.

I demand that [ Name of Credit Bureau ] conduct a thorough investigation into these unauthorized inquiries and promptly remove them from my credit report in accordance with the FCRA. Please provide me with a written response detailing the results of your investigation and confirmation of the inquiries ' removal.

I expect this matter to be resolved expeditiously, as required by law. Failure to comply with FCRA requirements may result in further legal action.