23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage was bought by Shellpoint Mortgage Servicing fall of XXXX. 
XX/XX/XXXX we received a letter stating we did not have HOA insurance coverage and if we didn't provide the policy, a policy would be purchased for us. 
XX/XX/XXXX, received a letter that the policy was cancelled, since we have adequate coverage. 
XX/XX/XXXX, received a letter that they were unable to verify our coverage and to provide the documents or they would purchase a policy for us at a cost of {$140.00}, which would be applied to our escrow account. 
On XX/XX/XXXX, XXXX XXXX, customer service rep, called and talked directly to my insurance agent and received those documents while I waited on hold, and they still state they don't have current information on file! 
XX/XX/XXXX, received a letter stating our HOA has expired and they need documentation. 

During this time,XX/XX/XXXX, I have called numerous times, talked to several customer service reps, emailed these documents while on the phone and waited until they received the message and verified that they had my insurance documents. I have also emailed direct to the company, requesting confirmation and requesting that their insurance purchased on my behalf, be cancelled and my escrow not billed. I have also faxed all documents to them on XX/XX/XXXX, and XX/XX/XXXX. 


We have no direct line to contact the company to talk with a person in charge or the insurance department. The only number provide is XXXX or fax XXXX. Each direct call is with a different customer service rep and then I need to explain the whole issue from the beginning. 

I have provided all HOA and personal insurance documents since XX/XX/XXXX feel these people are not taking care of their customers, and recording information correctly. 

I feel this is an insurance scam, to purchase policies, charge our escrow, hoping people will not notice, and some insurance company will make money from this. If not insurance scam, then very bad service, and company process and handling of customers documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage company is not able to pull my credit file from Equifax. XXXX  and experian report just fine. This is causing a major road block in getting my mortgage, and Ive tried contacting Equifax over 10 times to resolve the issue. Every time they say there is no issue on their end. I need this take care of
Product: Credit card or prepaid card

In XXXX of 2022  Citizens Bank, where I bank, offered a " Cash Back + '' credit card with the following perks. {$200.00} cash back bonus after charging {$500.00} in the first 90 days, plus another cash back bonus for the cost of a TSA PreCheck up to {$100.00}. I completed both of these tasks within the allotted time frame, charging {$720.00} on XXXX XXXX2022 and purchasing the TSA PreCheck on XXXX XXXX,2022. To date I have not received either of the promised awards, it has been nearly five months. I have visited the branch several times and sat with them as they had a live chat with credit card customer service at which time they stated they would apply for the rebates to my account. I also called customer service and experienced long waits on hold then when a person finally answered we were cut off half way through the conversation. This happened twice. It has been over three months since the local branch employee had the live chat and still nothing has been applied to my account. I am attaching a copy of the offer, although it says expired on top it was active when I applied for and received my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX 1,2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureaus ( XXXX, XXXX, Transuion ) have not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit reports.
Product: Mortgage

My loan transferred to Select Portfolio Servicing XX/XX/XXXX from XXXX XXXX. 
SPS took 4 months to process my transfer. While my account under " process '', I kept paying my monthly mortgage on time started XX/XX/XXXX. I did not miss any payments. All my payments were sent on time. SPS acknowledged that they received all my payments on time, however, they did not apply all the payments on time. They applied all payments as single payments on XX/XX/XXXX. I asked SPS to fix my payment records and to apply all the payments individually as they received them on a monthly basis. Since it wasn't my fault that it took them 4 months to finalize my account. However, they stated that they will not fix my record payments. They said that they had to apply my payments under " suspend account " because my loan modification documents from my previous servicer were not received. I am now trying to refinance my loan and the underwriter will not accept my " payments being on time '' because SPS will not provide the proper documentation of the payments that I made during " transfer process '' I called SPS several times and spoke to different representatives to fix these payments records and they stated that they will not able to go back to my record and fix the payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my Credit score dropped XXXX points, and I was alerted by XXXX XXXX and Experian. When checking my report, I found XXXX XXXX XXXX reported a past due balance with no attempt to collect the debt and no notice that a dept was due. They also reported the alleged dept as a collection from XX/XX/XXXX. Up until this point it had not been reported and there was no contact to collect the alleged debt. 

I check my credit history regularly and at no time was this reported. I immediately disputed the account with Experian because I am not familiar with it. I have received not supporting documentation that this debt belongs to me and I want it removed from my Credit Report ( s ).
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

HERE IS A LIST OF ACCOUNTS AND INQUIRES THAT IS ON MY REPORT 1.TXXXX XXXX XXXX. IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 2. CREDIT ACCEPTANCE CO . IN THE AMOUNT OF $ XXXX DATE OPENED XXXX 3.XXXX XXXX XXXX IN THE AMOUNT OF $ XXXX DATE OPENED XXXX LIST OF INQUIRES 1.XXXX XXXX 2.XXXX XXXX  XXXX XXXX 4.XXXX  XXXX 5.XXXX  XXXX 6.XXXX XXXX XXXX XXXX XXXX 7.XXXX 8.XXXX XXXX 9.XXXX XXXX XXXX XXXX 10.XXXX 11.XXXX XXXX 12.XXXX  XXXX XXXX XXXX 13.XXXX XXXX   14.XXXX XXXX XXXX 15.XXXX XXXX XXXX XXXXXXXX 17.CREDIT ACCEPTANCE 18.CXXXX XXXX  19.XXXX XXXX XXXX 20.XXXX 21.XXXX XXXX  XXXX 22.XXXX XXXX XXXX XXXX 23.XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my profound concern regarding the recent handling of my husband 's personal loan application at SoFi. On XX/XX/year>, my husband was unjustly denied a {$35000.00} loan due to the apparent inability of their staff and computer system to accurately interpret his 1120-S tax form. Despite submitting comprehensive documentation that clearly substantiates our income, the reason for rejection indicated otherwise, suggesting a lack of due diligence on their part. 

It is evident that no genuine effort was made to utilize the furnished documents to approve the loan. This oversight not only reflects incompetence but also borders on negligence. Consequently, on XX/XX/year>, my husband was compelled to add me to the loan application, resulting in an unnecessary hard inquiry on my credit profile. This situation is both unacceptable and avoidable. 

Furthermore, I encountered significant communication barriers due to the heavy accents of your staff, which exacerbated the issue. It is imperative for customer service representatives to be easily understood to prevent misunderstandings and ensure a seamless experience for their clients. The current state of affairs suggests a deliberate attempt to defraud and mislead customers, which is deeply troubling. 

It is crucial that such issues are addressed promptly to prevent future occurrences and to maintain customer trust.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I paid in invoice on Paypal using my XXXX XXXX credit card generated by my wedding photographer XXXX XXXX in amount of {$2900.00}. To avoid the 2.9 % transaction fee, I called my credit card company XXXX to dispute this charge and XXXX put the credit back onto my card. Meanwhile my photographer refunded me the transaction fee of {$84.00} so I called my credit card company to cancel the previous dispute. XXXX soon rebilled me {$2900.00} ( as stated in the XX/XX/XXXX statement of my credit card ). Paypal started a chargeback case ( case ID XXXX ) on XX/XX/XXXX after receiving the dispute notice from my credit card bank and held the fund from my seller. Although the dispute case is already closed on XXXX 's side and the fund was sent to Paypal 's merchant bank, Paypal claims that they did not receive any money and closed the case. XXXX provided me the letter to confirm that this dispute was canceled and the amount of {$2900.00} was rebilled and sent to the merchant 's ( Paypal ) bank. I had forwarded the letter to Paypal. However, on XX/XX/XXXX, Paypal close the dispute case and with the conclusion of missing fund. Now the situation is that I made the payment to Paypal and 4 months later Paypal said they did not receive any money or any notification from my credit card issuer XXXX. I had contacted Paypal numerous times to trace the fund, and kept receiving the same response that they did not receive it and therefore they have no payment for my seller.
Product: Credit card or prepaid card

Description : We are having an issue with a credit card that was opened with a balance transfer promotion ( 0 % APR for 10 months XXXX. After paying the balance transfer fee of {$240.00}, the balance transferred would have 0 % APR until the promotion end date of XX/XX/XXXX. 

This issue started XX/XX/XXXX. There was an issue with the autopay feature associated with the credit card. For the month of XXXX, an incorrect autopay setting led to payment of the entire balance on the credit card, rather than the intended minimum payment. I of course cancelled that payment as I had only intended to make the minimum monthly payment at a time. 

Since then, interest has accrued on the account despite the supposed 0 % APR. Naturally, customer service was contacted to inquire about this issue. According to a conversation had with a Citi agent on XX/XX/XXXX, the balance transfer offer ended due to the issue with the stopped payment due to autopay. Furthermore, the Citi agent agreed that therefore the original balance transfer fee of {$240.00} would be refunded within 2-3 business days. Meanwhile interest has continued to accrue for the remaining balance on the credit card. 

When that refund was not posted, we contacted Citi again. This time on XX/XX/XXXX, a different agent said that the refund would take 1-2 billing cycles to process. 

We have yet to receive that refund for the initial balance transfer fee ( {$240.00} ) and have again contacted Citi. Based on a chat with a different agent on XX/XX/XXXX, now Citi is refusing to issue the refund. Their reasoning is that the balance transfer was never " cancelled '' and therefore does not indicate a refund.
Product: Credit reporting or other personal consumer reports

I retrieved a copy of my credit report EQUIFAX and discovered an inquiry that I have no knowledge of. On XX/XX/2024, XXXX XXXX XXXX appear on my credit reports as a hard inquiry that impacted on my credit score. I never authorized hard inquiry on my credit report for this company. 

Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter. 

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

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, I have doubts about their accuracy and the reported payment history on accounts are mystery to me. 
XXXX & XXXX  XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ... XXXX XXXX XXXX {$0.00} ; XXXX XXXX .... Balance : {$1800.00} XXXX U.S. DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$45000.00} XXXX XXXX DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to the XXXX XXXX Account XXXX XXXX reflected on my credit report with Experian. I have contacted Experian several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance and reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the absence of any such documentation I formally request that this information be immediatedly deleted from my credit file.
Product: Debt collection

XXXX was previously informed this debt was not mine but that it was identify theft. This was previously disputed and now it seems that it has been sold to another debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I sent a certified validation letter, with signature requested, to Portfolio Recovery Associates, LLC to verify an alleged debt they claim I owe them, in the amount of XXXX. I have no contract with this company. They sent a letter back, dated XXXX XXXX XXXX, without the requested validation of alleged debt and retaliated against me by reporting a collections to the credit bureaus within the past week and made XXXX inquiries on my report without my consent. On the bottom of this letter it clearly states in bold letters, " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT ''. They are damaging my credit report causing it to drop while I 'm working to correct it and deforming my character. Because of this drop, I am unable to get a mortgage or rent an apartment without good credit and my family deserves a home, otherwise we 'll be homeless soon. I 'm requesting this unproven & alleged debt to be removed from my credit reports and all attempts to collect this amount and communication to stop.
Product: Debt collection

I recently contacted XXXX to dispute XXXX accounts on my credit report from XXXX XXXX Bank and LVNV Funding , LLC. The investigation took less than a week and it can back as updated. When I looked at the date of account reported to the credit bureau, it went from XX/XX/XXXX to now XX/XX/XXXX after I made a dispute. I sent a letter of validation to XXXX, XXXX and XXXX asking them to validate that I owe the debt on XX/XX/XXXX. They have not responded or validated that I owe such debt as of yet. LVNV funding, I believe is a fraudulent collection agency that works under several alias such as XXXX, XXXX and XXXX and several others. I do not believe that this account is mine. I also do not understand how XXXX different agencies are collecting and reporting for one account. I highly doubt that what they are doing is legal and would like the Consumer Financial Protection Bureau to look into it. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$990.00} XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX hard inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Cards
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX
Automobile Dealers, New
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX XXXX
Finance Companies - non specific
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX
Automobile Dealers, Used
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX
Sales Financing Company
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX
Mortgage Reporters
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX
Auto Financing Companies
Inquiry date: XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX  Auto Financing Companies
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX  Finance Companies - non specific
Inquiry dateXXXX XXXX XXXX XXXX  Removal date: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX
Complete Department Stores
Inquiry date: XXXX XXXX XXXX
Removal date: XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards
Inquiry date: XXXX XXXX XXXX
Removal dateXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
I view the lack of accountability and transparency as unacceptable and deeply concerning when it comes to costumer safety.
Product: Debt collection

I submitted information in regards to a debt allegedly owed to SCA collections. I requested the information in which I am legally entitled to receive on XX/XX/XXXX. SCA indicated that I owed a debt from XXXX and place the account on all credit bureau reporting sites I received a response on XX/XX/XXXX. The letter attached indicated that the original creditor provided the information. However, the information was received on what appeared to be a typed word documentation and did not appear to be valid. The company indicated that I currently owe {$130.00}.