23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Sent money via XXXX to XXXX to someone that I have sent to numerous times before. When the receiver went to the store, she was told that the money could not be received. As this has happened in the past when sending money to another individual, why is this bogus company allowing money to go through when thep receiver gets to the store, the money can not be received. When the sender those not have the receipt, they retain the fee that was paid for sending. Horrible customer service from their compliance department was well.
Product: Mortgage

My name is XXXX XXXX. I used to have a mortgage with Shellpoint Mortgage Servicing ( " Shellpoint '' ), which got refinanced in the XXXX  of XXXX. 

Shellpoint used to collect escrow on the old mortgage, and when the mortgage got refinanced, Shellpoint refunded the escrow back to me via two checks in the amount of {$68.00} ( check # XXXX, issued XX/XX/XXXX ) and {$5400.00} ( check # XXXX, issued XX/XX/XXXX ). I got the checks in XXXX and deposited them right away, in a timely manner, on XX/XX/XXXX. Unfortunately, the checks bounced. 

I have been in touch with Shellpoint ever since. Shellpoint gives a different story every time. Shellpoint asks for documents, promise to call back, to escalate, provide case numbers, escalated case numbers, etc, etc. Their last story is " the checks got cashed ''. I did not cash the checks. I need to get my money back. 

Please help me get my money back. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

CREDIT COLLECTION SERV is listed on my credit report under collections account. Ive reported that this account does not belong to me through XXXX dispute and its still on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt Recovery Solutions is illegally reporting false information for a collection with XXXX XXXX for {$310.00} they sent me a collection letter that states the account was opened on XX/XX/XXXX but reported to the three credit bureaus that I opened this account on XX/XX/XXXX this is also known as account re-aging which is highly against the law and now they need to cease all collection of this account and this needs to be removed from all three credit bureaus immediately under FCRA.
Product: Debt collection

I checked my credit report today, XX/XX/XXXX with XXXX XXXX, as I had not in some time. I noticed a collections notice added to my report as of XX/XX/XXXX. The collections agency listed was Genesis Credit Management for {$55000.00}, through XXXX. The collections notice is for the company XXXX XXXX XXXX, apparently in XXXX, AZ, opened on XX/XX/XXXX. I've never received a letter of any debt owed from this company, or any call from any collections agency. The only notification I am aware of is from the notice on XXXX XXXX while checking my credit score. I have never lived or applied for a residence in Arizona. 

I have alerted XXXX about the issue and am attempting to submit a complaint of fraud as I have never opened this account. When I spoke on the phone with XXXX, I was alerted another collections agency, Columbia also has the account on file.
Product: Student loan

In XXXX  I attended Brown Mackie college of XXXX XXXX and shortly after I gave XXXX XXXX XXXX XXXX the school was very unprofessional with my XXXX XXXX and My medical condition of XXXX XXXX XXXXXXXX for XXXX years I was trying to figure out why I am paying for this loan my medical condition is on going still an I filed an complaint for all of my inflated loans. ( Which credits an diploma are not accredited anymore anywhere ) Due to the closing and lawsuits against the school I have been fighting to cancel these loans or send me the original sign and dated agreement.
Product: Mortgage

My mortgage is serviced by a company called Mr. Cooper ( www.mrcooper.com ). Its headquarter is in XXXX, TX. I have an escrow account with them. My homeowner insurance is with The XXXX and is going to be expired on XX/XX/2021. 

I contacted them couple of times before/on the expiration. They did not pay my insurance on time and almost cause me to lose my coverage. I have to pay it by myself on XX/XX/XXXX. I am a very vigilant consumer and always watch out my bill. Otherwise I don't even know my homeowner insurance hasn't been paid. At the mean time, I am very disappointed with Mr. Cooper. They told me they did not receive the latest bill from my insurance company. I don't accept this explanation. If they don't receive the latest bill from my insurance company, they should contact with the homeowner. Apparently, they did not have early warning set up in their system which could inform the homeowner of potential late payment of insurance / tax bill. Their service organization could be dysfunctional and could potentially become mess in next housing crisis.
Product: Debt collection

I am a victim of identity theft. I am writing to request that Experian block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, a account and these fraudulent inquiries were made without my consent. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries and account off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXX Please remove it from my credit report. 2 This account should not be reporting on my credit report XXXXXXXX XXXX ( account number XXXX Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Debt collection

I sent an email to dcm services who are a collection agency and are handling my account with XXXX XXXX credit card. We set up a verbal agreement that for 12 weeks XXXX would be withdrawn from my checking account. About 2-3 weeks ago I was unable to have the funds available for this withdrawal. I sent an email to dcm services and informed them of my situation, I stated that to stop the withdrawal from my checking account as the funds are not there, also explained that I can not keep our verbal agreement and asked if the money I already sent can be a paid agreement. I also stated that I would like verification of the debt, I have filed a dispute with XXXX  credit bureau and XXXX. Dcm services ignored my email and are still withdrawing funds from my checking account.
Product: Credit reporting

property sold and current owner did n't but has now paid taxes but it was applied on my credit report as a ta lien by XXXX county
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Creditor : 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 ( Original XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

A person claiming to represent Alliance One debt collection agency called me from the phone number XXXX. They claimed I owed {$47.00} for a past due debt owed to the NY Port Authority related to XXXX. They claimed that both they and the NY Port Authority had sent bills to an address but did not give the exact street address to which the bills were sent. 

I have n't lived in NY for several years and I am unaware of any debts owed to XXXX. I suspect they are either mistaken about me owing a debt or they are making the debt up to see if I 'll pay them money. If I actually owe a debt I am happy to pay it if they will provide written proof of the debt. They should have to send proof of the debt to my address. They should not be calling me asking me for information about where I live or to verify additional information about me. It is unfair and unreasonable for them to be able to claim they sent a bill to an address where I do not live and expect me to pay the bill and whatever fees they chose to add onto the supposed bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the names, XXXX XXXX XXXX and XXXX XXXX from the 'Also known as ' field from the personal data portion of my report as this information is inaccurate and not correct.
Product: Mortgage

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in the past years ( XXXX ). Had people supposed to helping with loan modification, several time. Unable to pay mortgage due to loss of income in the past years. I was laid off and my income was less also. Had to pay the expensive insurance for my husband. Lost income of XXXX per month. His S/S did not begin until XXXX. Had to pay the bills with what money I had. My husband needed XXXX XXXX XXXX XXXX XXXX and our daughter to quit her job to be home with him daily. 
Several individual 's I pad to assist in the past stopped when my husband passed away last year. I am pleading for assistance it is just myself and my daughter, we have no other family alive, friends have turned their backs also. It seems the others just helped me into a bigger mess. If a short sale will help ok, I don't have any idea where we go. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous complaint for putting false information on my credit report showing a collection belonging to another person. They said they could n't find any false information, then sending a copy of my credit information which CLEARLY shows the wrong information in it!
Product: Checking or savings account

My complaint is against US Bank. On XX/XX/XXXX I was the victim of banking fraud. I immediately called the US Bank Fraud Department to stop the transactions that were taking place. On XX/XX/XXXX I submitted documents and a description of what happened. 
( below is a copy of the information I sent to US Bank ) Dear XXXX XXXX, I have already emailed ( 2 ) two Affidavits of Unauthorized Paper Debits to the XXXX email address provided. The affidavits are for two checks supposedly presented in Washington state. 
No check numbers were provided only transaction numbers that I have noted ( I have attached copies here as well ) I have another concern regarding the electronic funds fraud that I experienced. 

In my savings account ending in XXXX, there was an " Assisted Telephone Transfer '' for {$5000.00}. Plus two " Customer Withdrawals ''. One for {$1800.00} the other for {$1700.00}. My concern is how do I reclaim these funds? 

In my savings account ending in XXXX, there was a '' Transfer '' for {$3000.00}. Plus two " Customer Withdrawals ''. One for XXXX the other for {$2000.00}. My concern is how do I reclaim these funds? 
I am deeply concerned that I will not have access to these funds for a long period of time. 

What is the claim process for the electronic funds fraud? 
I would like to file claims for my funds as soon as possible. 

As of today, XX/XX/XXXX this issue has not been resolved and the funds that were stolen from my accounts have not been returned to me. 

I have been in constant communication with the local branch manager but he has not been able to help me to resolve this fraud. 

If your organization is not able to help with my situation, would you please direct me to the government agency that may be able to help. Thank You
Product: Credit card or prepaid card

On XX/XX/2019 I purchased a XXXX XXXX XXXX from a local dealer. I financed the loan with Chrysler Capital. For my XXXX payment I sent Chrysler Capital a check for the " estimated '' payoff amount ( their estimate, not mine ). That amount was {$24000.00}. Chrysler Capital received payment on XX/XX/2019. Chrysler Capital then sent me a letter stating that my payment did not satisfy the entire balance leaving a remaining balance of {$40.00}. This was the exact amount due to satisfy full payment if received by XX/XX/2019. I received a letter from Chrysler Capital dated XX/XX/2019 that full payment has been received and relevant information forwarded to my states DMV for  processing. On XX/XX/2019 I received a prepaid debt card for a " over-payment '' in the amount of {$0.00}. Yes, that's correct, XXXX cents. These are the relevant facts. 

To receive the refund I was directed to activate the card and then apply the amount to a purchase. I exercised the other option of requesting a paper check. 

My complaint is that if I had opted to activate the card, then I would be subjected to $ XXXX/month maintenance fees beginning 12 months from now. This arrangement seems like a scheme between Chrysler Capital, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX. 

It appears to me that I was being nudged to accept and activate a card I did not want, did not need, and accept future maintenance fees, all for the privilege of collecting {$0.00}. 

I allege a scheme between the entities because if I paid the exact amounts to Chrysler Capital, on time, then why is there an over-payment to begin with? Unless, it's intentional to unleash this chain of company involvement to collect money from consumers for products they don't want nor need, nor seek out?
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent. 
2. XXXX XXXX XXXX Bank XX/XX/XXXX did an inquiry on my report without my consent. 
3. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent. 
4. XXXX XXXX XX/XX/XXXX did an inquiry on my report without my consent.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$210000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I pulled my consumer report and noticed an unauthorized hard inquiry that I demand be deleted per the FCRA or specifically 15 USC 1681a ( 2 ) ( B ) which is the exclusion section. This is the inquiry I am demanding to be both blocked and deleted as soon as possible from Equifax : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Not only did the consumer reporting agencies not give permissible purpose according to the FCRA or specifically 15 USC 1681b ( 2 ).
Product: Checking or savings account

I was a good banker with Bank of America ; I initially got the account during my earlier year of college. Due to my naiveness and trying to be a good friend, I was scammed into depositing a check into my account by a friend, only to find out that the check was fraud. My friend had just migrated from the XXXX so of course they did not have a bank account but they were working, so I believed them when they said the check was from work. I was genuinely surprised to find my bank account closed due to fraud. I have pleaded with Bank of America about this issue but got no help or pardon. I am a hard-working female who is making a honest living, I have no reason to scam a bank nor do I have any knowledge of how to do this, I honestly thought I was helping a friend out. Because of this error, I can no longer open an account with other legit banks. I really need your help as I was a victim of scam activity, with no clue at the time. Please help me if you can!!!
Product: Debt collection

XX/XX/year> I mailed a certified letter to CBE GROUP requesting the validity of an alleged debt they claim I ole and I have yet to receive a response. Therefore, XX/XX/year> I sent a second mailed letter requesting the same information, a validation of the debt with original copies of information requested.
Product: Debt collection

when original note are challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator XXXX, XXXX XXXX bank of new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer indecomme XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened up multiple bank accounts and credit cards fraudulently some XX/XX/XXXX. I reached out to both Trans Union and XXXX. XXXX took care of everything immediately and was great. TransUnion on the other hand has not. They are refusing to take XXXX XXXX off of my credit report despite me opening up approx over 6 disputes. The XXXX XXXX account was opened fraudulently and NOT by me. I also called XXXX indigo over 10 times and they say there is something being done yet nothing has happened. The first time I was able to contact XXXX XXXX was on XX/XX/XXXX. I tried to contact them since XXXX but the numbers online and XXXX XXXX were nothing but recordings. So on XX/XX/XXXX I spoke with XXXX she advised she would open an investigation and am affidavit would be in the mail within 7-10 days. I did not get one within that time I called back on XX/XX/XXXX spoke to XXXX who could not help me so he transferred me to XXXX. Spoke to XXXX he advised the same that he will reach out to their fraud department and an affidavit would be sent to my mailing address and the account will be closed it was an error on their end for giving TransUnion the wrong information. He said if I didnt get the affidavit in the mail then to call back in 5 days. I did not get the affidavit in the mail. I called back on XX/XX/XXXX spoke to XXXX he advised that the investigation was complete and the account had been closed since XX/XX/XXXX. Again he stated an affidavit is on the way and I should get it within 5 days. I call back on XX/XX/XXXX still no affidavit in the mail spoke to XXXX she advised she could not help me and told me to call back within XXXX minutes. Called back same day on XX/XX/XXXX XXXX minutes later like she asked and spoke to XXXX. XXXX stated that there was no investigation to begin with and that she would open one and an affidavit would be sent to me within XXXX days. Today on XX/XX/XXXX I get a notification from XXXX XXXX that someone had made payment on the XXXX XXXX card that was opened up fraudulently. I call TransUnion confused as to I was told the account was closed and that this was in dispute. They were no help and told me to open a police report. I fall the XXXX police department trying to open a police report and was advised I couldnt because the card was opened up by an Oregon bank and they do not have jurisdiction there. I am VERY frustrated on how this person is just getting away with it and Im the one suffering from it. I do not understand how this could take so long since I was NOT the one to open this account. I really need help. Please.
Product: Credit card

Today, XX/XX/XXXX, I checked my credit card account of Chase Bank online and found out XXXX unrecognized transactions on XX/XX/XXXX and XXXX. On XXXX, there were two transactions : the one by Amazon, which amount was {$89.00}, and another one was XXXX, amount was {$10.00}. The last one was by Amazon, {$100.00}, which was pending on XX/XX/XXXX. I have checked my order history of Amazon online, and checked I did not purchase such amounts. Regarding XXXX, I recently paid only cash ; therefore, it was impossible. After founding online at Chase website, I filed them, closed my credit card, and called the customer service. All available records, including Chase and Amazon, were printed out.
Product: Vehicle loan or lease

On XX/XX/2020 at around XXXX I applied for a new auto loan through Chrysler Capital and was pre-approved for {$39000.00}. There was a specific vehicle that I applied for which was a requirement for me to get details of the loan. I tried many times to get the details of that loan and was constantly denied ( by getting the " run-around '' ). I called their customer service phone line ( XXXX ), and was told to call the dealership directly and they would in turn call them and get the loan details for me. But when I called two different dealerships they told me a whole different story, TWICE! and never got any details of an auto loan that I applied for. I called Chrysler Capital again and once more I was told to call the dealership. 

So I basically got my credit pulled and was approved for an auto loan without getting any details of the loan. Completely illegal since they are suppose to give me all the details of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient 's negligence has ruined my life. They had been sending my bills to an old email that belonged to my mother seven ( 7 ) years ago. They had my address and phone number on file, as they used those to verify my identity when I called, however, they never reached out to me through these avenues. My credit score fell from XXXX to XXXX. I'm not able to buy a house or a car and I have no idea how they plan to have me pay them back without the ability to acquire a reliable form of transportation. I contacted them, they said since my account was 90 days past due they would automatically deny any complaints I filed to them. The credit bureau told me to contact Navient and " buy something like a refrigerator to rebuild '' my credit. ODE told me they are unable to do anything but if I feel wronged then I can try to sue them or the loan provider and see what happens. I have truly given up all hope.