23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have an account with NewRez LLC d.b.a. Shellpoint Mortgage Servicing. Due to hardship induced by the COVID-19 pandemic, I fell behind on my mortgage payments. I attempted to call numerous times ( at least 12 ) to fix this issue during the months of XXXX and XXXX ( before I went delinquent on the account, but I was never able to get through to a representative, sometimes leaving my phone on speaker phone for over an hour while I waited ), and I called at least 5 times during XXXX and XXXX ( after being late on my payment ). In XXXX, I was able to make contact with Shellpoint ( about 2 and a half weeks ago ), and the representative there explained that I had a caseworker for my account and to call that person the first week of XXXX to discuss an option that was available to me. It was explained that this option would make FHA assume 3 of my mortgage payments and add them to the end of my loan, fee and interest free. A part of my loan program allows me to move at least one payment to the end of my loan as a part of my terms and conditions anyway, and when I spoke to the representative 2 and a half weeks ago, I explained that to her as well before she gave me the first option mentioned above. I also explained this to the representative today who continued to read me a letter I've never seen before that didn't mention any of what I was told, and the place she advised me to go just kept referring me to options that didn't fit my situation. My initial intent was to move one payment to the end of my loan term ( benefit spelled out in my terms and conditions of my contaract ) and make 2 months worth of payments to be completely caught up and current, but because of what I was told, I used the extra money to pay other creditors I owed. This situation needs to be remedied. I feel asking me to make my full forbearance payment right now i unfair and deceptive. They should really have representatives that are on the same page and that provide accurate information, especially during this uncertain and hard time we're facing as a country. I would've paid this when I had my first conversation if it wasn't for the information I was given ( I said that on the phone call as well and I also verbally confirmed this program would be available to me when I spoke to the representative of Shellpoint a couple weeks back ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/2024 Letter to remove inaccurate Credit Information To whom it may concern : I see this account has a charge off report on the following item. 
XXXX XXXX Credit Card # ( XXXX ) This account is reported as A charge off and I have Never received a 1099c cancellation of debt form. Due that this account is inaccurate and needs to be removed. 
Also According to a to LAW 15 U.S. Codes 1681s2 ( a ) ( 1 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

This account should be removed now this Account is reported ASAP. 
Once finished
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX Balance {$1800.00} Tbffin XXXX XXXX Balance {$29000.00} Originator Creditor : XXXX XXXX XXXX Balance : {$0.00}. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Money transfer, virtual currency, or money service

Despite using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims thoroughly. They informed me that recovering lost funds was impossible. The CFPBs indicate that zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability raises concerns about consumer safety
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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

This account with XXXX XXXX XXXX was paid satisfied in XX/XX/2018, it is showing up on XXXX and Trans Union as a derogatory CHARGE OFF. It was never a charge off and my payments prior to settlement were on time. I verified this with the Company but they have not changed the credit bureaus status.
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. Bank of America failure to provide a response leaves me no choice but to assume that has neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report Bank of America to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, XXXX, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : BK OF AMER XXXX Please remove this inaccurate information from my credit report. 

BK OF AMER XXXX Please remove this inaccurate information from my credit report. 


As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Bank of America actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor Bank of America, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX  AR for less than 12 months XX/XX/XXXX to XX/XX/XXXX, to get XXXX  at the satellite location at XXXX XXXX XXXX. I attended XXXX College for a couple of years. Either way, per the financial office XXXX XXXX AR, Treasury Department, on XX/XX/XXXX, at XXXX XXXX, they said, it did not cost {$18000.00} to get XXXX XXXX. If there was a refund it should have been credited to the loan. XXXX has sent people to my home address. They sent mail to my neighbors house. They started garnish my check. I have asked to see cancelled checks to see who signed off on the checks. I did get some funding for XXXX College for an essay that I wrote. I did not use all of those funds that were allocated to me and I did not get a refund for any monies while at XXXX College, nor XXXX XXXX AR. I want to see the cancelled checks for signatures of who signed for the checks and what bank account did they go to for deposit or to be cashed.
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} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} Consumer Adjustment {$1400.00} XX/XX/XXXX I have never been to Louisiana somebody use my Identity to get services there please remove this from my credit report
Product: Credit reporting or other personal consumer reports

I recently disputed the accuracy of reporting on this account, and the results came back verified and updated despite the three credit bureaus reporting mismatched information regarding this account. 

Please be advised that this is a Notice of Direct Dispute with XXXX XXXX XXXX  under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), regarding the accuracy of the information you have supplied to Transunion, XXXX, and XXXX. 

XXXX XXXX has responded " According to our records, an account was opened XX/XX/XXXX pursuant to the received online application '' However, on my most recent credit report on XX/XX/XXXX from Transunion, XXXX, and XXXX the open date is still showing XX/XX/XXXX and XXXXSince you haven't corrected these errors in the previous requests for assistance on this account, the account was not investigated as thoroughly as it should have been. For this reason, I demand that the account be removed from my credit report. Please be advised that if you continue to report invalidated information on my credit report, this action may constitute fraud under federal and state laws. I won't hesitate to bring legal action against you for violation of the Fair Credit Reporting Act and violation of the Fair Debt Collection Practices Act, and defamation of character.
Product: Debt collection

Online Information Services, a debt collection company, sent a notice on XX/XX/XXXX that we owed {$3900.00} in back charges from an account with XXXX XXXX XXXX. We called XXXX XXXX on XX/XX/XXXX with the account number provided and they confirmed there was an account opened in our name and social security number but with an address we never lived at. The dates were XX/XX/XXXX to XX/XX/XXXX. We requested the debt be collected from the address on file but they would not discharge it without proof we lived at a different address during those dates.
Product: Credit card or prepaid card

My phone and wallet were stolen in XX/XX/XXXX. I lost ownership of my phone number linked to my email account and my Cash App account. 
My cash app account was the account designated for my direct deposit. My employers deposited a paycheck on XX/XX/XXXX that was sent to my old account. Ive been trying since then to recover my funds. Ive given Cash app every detail possible for my account, and they wont assist me in recovery and often hang up on me.
Product: Credit reporting or other personal consumer reports

This complaint is in regard to inaccurate and not applicable information listed on my credit report. With respect to 15 USC 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/2023 there is some inaccurate and not applicable personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. PLEASE SEE ATTACHMENTS.
Product: Credit reporting or other personal consumer reports

This company continues to claim I owe this debt but refuses to send me proof that this account belongs to me. They send me a computer print out that shows nothing but my XXXX  and XXXX and the XXXX XXXX is wrong. I know this is a scam because the address they have for the time frame for the account doesnt match because I was noXXXX XXXX  at this XXXX when they said this account was opened. I would like HARDCORE PROOF!!! Because this is not my account or remove it
Product: Student loan

I have been on an income-based repayment plan for my student loan for several years. Recently, my loan servicer, XXXX, sold my loan to XXXX XXXX sent my income-based repayment ( IBR ) application weeks AFTER they say it was due. They mailed it on XXXX XXXX, 2016, according to the date on their letter with the application. It arrived on XXXX XXXX, 2016. Their letter said the application had to be returned to them by XXXX XXXX, 2016 -- weeks BEFORE THEY SENT IT or I 'd have to start paying {$71.00} a month. 

I wrote a letter along with my IBR application, explaining that I could not send it in before they even mailed it to me. They ignored my letter and began billing me.Apparently, they wo n't process my IBR, although I have been in the program for years and should be paying {$0.00} based on my income. 

I can send you the letter, the application, and any other evidence. If you look at the XXXX XXXX you 'll see they are doing similar things to lots of other people who were on IBR and have been unfairly removed from it by XXXX. This outfit is a scam, preying on people who ca n't afford to fight them.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX
Product: Bank account or service

I recently travelled abroad and was charged {$400.00} in bank fees by Bank of America for XXXX transactions for using my debit card for my checking account abroad. When I approached the bank after returning from my overseas trip, I was told that this 3 % transaction fee was listed in my account disclosures. I vividly recall the conversation I had when opening the account where the bank representative clearly stated the account would have no fees but failed to similarly clearly point out that however there would be a 3 % transaction fee for any international transactions on the debit card. I believe this is a deceptive practice, and not everyone is well versed enough to read all the fine print and disclosures to understand that these fees will occur. Had the representative made these transaction fees clear when I opened the account, I would have found an alternative method of paying for those transactions abroad. The bank refused to refund these fees on this basis, and I believe this is a deceptive practice and my fees should be returned.
Product: Credit reporting

I initiated a dispute with XXXX, XXXX, and Transunion XXXX XXXX, XXXX for the following items : XXXX XXXX and XXXX. XXXX was formerly known as XXXX XXXX. These items were scheduled to come off my credit reports a few months ago being that they are over XXXX XXXX XXXX ( DoFD was XXXX XXXX, XXXX for XXXX ), however all three credit bureaus stated that they conducted an investigation and the items were verified. The items being verified was not the reason for my dispute, in addition I called both XXXX and XXXX to verify that an investigation was actually conducted and both company representatives stated that they did not verify nor report to the credit bureaus because the accounts are old and due to expire. All XXXX credit bureaus are reporting erroneous information in regards to when the first delinquency was reported except for Transunion, however they did not remove the old item either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I opened an account with XXXX, XXXX for a personal purchase loan of {$450.00}. The account went to collection agency XXXX XXXX. On or about XX/XX/XXXX I paid the balance to XXXX XXXX. As of now XXXX is still reporting a balance and collection or negative account to all three credit agency 's. I have filed XXXX disputes through Experian and XXXX is knowingly providing false information.
Product: Bank account or service

US Bank has an online app through the iPhone that allows consumers to make payments on credit cards via their checking account ( both the checking account and credit card are US Bank affiliated ). The application gave no visual feedback confirming a payment in the amount of {$1500.00} was made after two attempts. This seems to be a software bug ( usually I get a confirmation of payment ). So I used the desktop browser online banking to make my payment of {$1500.00}. Everything seemed fine until the night of Friday XX/XX/XXXX into Saturday XX/XX/XXXX when {$3000.00} additional were withdrawn from my checking account and placed on the card. Ironically the one time {$1500.00} payment paid off the card in full. So what is now reflecting in my bank account is an overdrafted checking account of about - {$2200.00} and a negative credit card balance of {$3000.00} ( in other words, they owe me {$3000.00} ). 
I asked them to fix this immediately and was told that it may take up to 45 days to be resolved. Initially the credit card portion of US Bank customer service implied it was my fault and that I probably paid ahead in anticipation of a large purchase with my credit card ( not true ). When I finally spoke with a professional banker, the service was better but I was told that I am out of luck. As it is XX/XX/XXXX all of my future obligations to pay bills, student loans, and rent, may not go through my checking account, and I am responsible for all late fees incurred outside of the checking account. I was told that " eventually '' they will reverse the {$3000.00} overpayment and will not penalize me with overdraft fees. Is it really fair to me as a working class consumer with student loans that I must now face eviction and delinquencies on student loans all over a buggy iPhone app?
Product: Checking or savings account

On XX/XX/XXXX, and XX/XX/XXXX I made deposits to the a US BANK ATM ( ~ $ XXXX and XXXX respectively ). Oddly, both deposits amounts were canceled by the bank, with the $ XXXX being reinstated same day, but the other being held ( there were two checks in this held deposit ). It was apparently held because one of the checks written around didn't match the dollar total. I was not contacted. On XX/XX/XXXX I was doing an audit of my account and saw this discrepancy of over $ XXXX in my account. I traced it back to this issue, which was had been held since XXXX, again without any communication. Contacting the bank on XX/XX/XXXX, I was told it appeared to be an error, and the issue would be escalated, and they'd reach out to me the following morning. On XX/XX/XXXX I called the bank at noon, having not heard back. Working with a new individual, he told me that he was talking to the person that held the deposit, and an error had been made, but that now the check was released. I pointed out that the total amount ( $ XXXX ) was still not in my bank account. He then told me that it was because the checks were returned to their bank of origin, and that I'd have to reach back out to those individuals and have them write me new checks. This, however, is not an option. It's not clear why the entire deposit was removed from my account and sent back, why one of the checks was held, and why there was no communication about any of this until I did my audit. Further, US Bank is not taking accountability for removal of these funds from my account, and I've seen no evidence of the supposed mis-matched check.
Product: Debt collection

Spoke with lady at XXXX XXXX she notified me that I moved in in XXXX with the last payment being payed in XXXX from her own words and I only had an 11 month lease I turned my key in to the lady as well with the check out sheet my lease was up. They tried to do the same to my grandfather saying he owed over 2,000 so he went up to XXXX XXXX and they told him that they have had fradulaent activity in house and hired all new employees so they told him they would take care of it but at the end of the day I futilely my obligation and left it in good standing and always payed my bills and never got an eviction letter never got notified of anything being wrong at all so if you could resolve this for me I 'd greatly appreciate it! Thanks again XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the accuracy and legitimacy of three bankruptcies on my consumer credit report. This information is repeatedly being verified by a company unknown to me named XXXX. To no prevail is these entries being verified by the so called original source which is the U.S. Bankruptcy Court. O
Product: Checking or savings account

On XX/XX/year>, I opened a checking account at Truist Bank, I received multiple deposits via XXXX ( which I have proof of all of them ) and on XX/XX/XXXX of the same year, that is, XXXX  days later my account was blocked and my funds frozen, as of today that I write this message it has been XXXX months without being able to access my funds, I have gone to the banking institution every week to request information and it tells me that my account is still under investigation, I have called the bank and I asked for information and they told me that my account was closed and that they would send me a check home, which never happened. The last time I called, an executive answered me who told me that I no longer had money in my account and that I should not call. more, so exhausting all possible means I come to you looking for a solution. The amount is XXXX XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents. In addition to this, I would like to add that in the letter received on XX/XX/XXXX where I was notified of the blocking of the account, it says that if the Truits bank decides to close the account, it will send a check to my address in XXXX days, said account was closed, I have a The receipt they gave me at the bank branch does not say exactly what day the account was closed but it is dated XX/XX/XXXX.