23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

GREETINGS, I MADE ATTTEMPTS AT REACHING OUT TO ALL THREE CREDIT BUREAUS IN REGARDS TO INACCURATE INFORMATION THAT I DISCOVERED ON MY CREDIT REPORT. TRANSUNION REPLIED THAT ALL INFORMATION HAS BEEN VERIFIED AS ACCURATE, I AM UNSURE OF WHAT MEANS THEY HAVE USED TO PRODUCE THEIR VERIFICATION, HOWEVER, I SATISFIED BOTH OF MY CONTRACTUAL AGREEMENTS WITH XXXX XXXX XXXX XXXX AND XXXX AND NOW THEY ARE BOTH APPEARING ON MY CREDIT REPORT. PLEASE HELP ME RESOLVE THIS ISSUE. I FEEL LIKE THESE BUREAUS ARE HOLDING ME HOSTAGE.
Product: Debt collection

I got a collection notice dated XX/XX/XXXX from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX {$2500.00}. I disputed it online at amsherconsumer.com on XX/XX/XXXX and never got a response. I explained that I never had a XX/XX/XXXX account and this must be an identity theft issue. It has shown up on my credit report reducing my XXXX XXXX by over XXXX points!
Product: Checking or savings account

I submitted a claim about a charge for XX/XX/XXXX and I was denied for no apparent reason I didnt get to use the service my card was put on hold for reservation and I got there the package I was paying for was not available. XXXX from impulse lounge and bar XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

For my Binane.US account, the account has been locked and there is no ability to transfer either fiat or virtual currency out of the account. I have made numerous attempts to resolve issue with company over the past XXXX weeks. No company response or action to resolve.
Product: Debt collection

XX/XX/24 I made a payment of {$500.00} to Westlake financial. They guaranteed me that if I made a payment it would stop the car from being sold at the auction. Come to find out they told me that my payments would stop the car from being sold was just a lie. All of the phone calls were recorded an Ive had at least three. Westlake financial employees tell me that I will be able stop my car from being sold if I make a payment. The car was sold four days after I made a payment and I was not notified. And they call me still asking for payments like the car wasnt sold already.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 my wife and I ( XXXX & XXXX XXXX ) purchased a home and the mortgage was through XXXX XXXX XXXX of Texas. We have always paid our mortgage on time. 

Newrez Servicing dba Shellpoint Mortgage Servicing acquired our mortage sometime around XX/XX/2022. Shellpoint actually sent us paperwork after XXXX XX/XX/2022. 

Neither XXXX nor I have ever received any phone calls or emails stating the transfer of ownership of our home loan till Shellpoint reached out to us XXXX looking for our XXXX, 2022 mortgage payment. 

We sent our XXXX payment to XXXX XXXX XXXX of Texas which bank records show they cashed on the XX/XX/2022 - on time. 

At not time did eahtier party tell us the loan had been transferred sold or whatever? 

In any case it has since been sorted out as XXXX XXXX XXXX of Texas has since wired the money, we paind to them on XX/XX/2022, to ShellPoint. 


On the XX/XX/2022 formal demand letters were sent by Shellpoint to XXXX and I saying there was an issue on our loan and to call immediately to avoid foreclosure. I called Shellpoint after collecting the letters from the XXXX XXXX ( Certified mail ) yesterday ( XX/XX/2022 ). Shellpoint confirmed that there was no issue with the account and we are up to date and the operator also confirmed that Shellpoint had in fact received the wire transfer from XXXX XXXX XXXX. 

XXXX and I have been on the phone many hours trying to fix this issue that was caused due to the lack of communication from both XXXX XXXX XXXX and Shellpoint. 

Now we are in the process of finalizing our solar contract and new kitchen. XXXX has a late payment remark from Shellpoint, over 90 day late payment. 

I also have the samne remark and a new a new account opening showing on my credita new account opening on my credit. 

XXXX 's credit has been hit with a XXXX point drop due to the late payment remark, and mine has a number of deductions on opening a new account. 

Please note that we are not late and we never opened any new accounts with Shellpoint. 

I have reached out by phone and email to have this credit reporting issue resolved by Shellpoint and to date have not received any response. 

We have huge hits on our credit that have now made it impossible to close our financing for our new solar and our new kitchen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Student loan

My student loan debt is $ XXXX, dating back to XXXX of 2006 when I graduated. I have paid for 11 years almost $ 20k ( {$1800.00} per year ) in payments and virtually none of these payments have been applied to principle. I am simply paying Navient interest and getting nowhere. I have the option to change my plan, but I feel that I have been wronged because I have made no progress in 11 years. I was never explained how it worked and feel that because I was a young student I was taken advantage of. I have a family to provide for, which requires all of my income now. I recently lost a second job ( XXXX XXXX ) and this has impacted my ability to continue to pay these loans, although I have never missed a payment. I would like help in getting these balances forgiven.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XX/XX/year> TEK-COLLECT po box XXXX, XXXX OH XXXX Subject : Cease and Desist Demand Regarding Collection Activities To Whom It XXXX Concern, This letter serves as a formal demand that your company immediately cease and desist all collection activities concerning the alleged debt associated with [ Account XXXX, which you claim I owe. Your actions appear to be in violation of federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to 15 U.S.C. 1692c ( c ), I hereby revoke any and all permissions to contact me regarding this matter. Any further communication, other than as explicitly permitted by law ( such as providing written notice of termination of collection efforts or intent to pursue legal remedies ), will be considered a violation of federal law and subject to legal action. 

Additionally, under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of a debt. If you are reporting this debt to credit bureaus without proper validation, you may also be in violation of 15 U.S.C. 1681s-2 ( b ), which outlines your responsibilities regarding the reporting and verification of information to consumer reporting agencies.

If you believe this debt is valid, you are required under 15 U.S.C. 1692g ( b ) to provide me with proper validation, including the original creditors information, a breakdown of the alleged amount owed, and evidence that you have the legal right to collect this debt. Failure to do so will be taken as an acknowledgment that no such debt is legally enforceable. 

If you fail to comply with this cease and desist request, I will have no choice but to pursue all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I may also seek legal action for damages under 15 U.S.C. 1692k, which allows for statutory damages up to {$1000.00} per violation.

This letter serves as formal notice of my intent to enforce my rights under federal law. I expect your immediate compliance. Please confirm in writing that you have ceased collection activities and, if applicable, removed any negative reporting from my credit file. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Chime Bank is trying to cash stolen checks. USPS steals the checks or reroutes them to one of CHIMES affiliates. Chime blocks all transactions from the victim that has their checks stolen. To make any purchase you have to send Chime a " yes '' through a text message. To explain, my checking account does not have a 2-step validity, that is until a check is missing and Chime is trying to cash it for the thieves. I can not buy an Anti-virus subscription for approximately 30 dollars without CHIME blocking the transaction and requiring I send them a " yes '' in a message. Also, Chime would require a phone call in which you have to give them all of your personal information on transactions they have blocked. When you reply to CHIME to stop blocking your transactions, CHIME 's reply is you must send them a " yes '' Inadvertently, your " yes '' is being used to cash a check. Also, CHIME has two email addresses for my account. One of the email addresses was never given to CHIME and yet it is the same email address that has been compromised on the dark web. It is time for the US government to stop this company of outlaws from operating in the US. Finally, CHIME is allowing other criminals to cash checks through my checking account and the funds never show up on a statement. CHIME 's is money laundering stolen checks. This bank needs a forensic audit and a government investigation.
Product: Credit card or prepaid card

OnXX/XX/XXXX I called Chase/XXXX credit card ending in XXXX to close the account.
Instead of closing the account like I requested, Chase/XXXX sent me a replacement card, which I received on XX/XX/XXXXin the mail.
On XX/XX/XXXX I called Chase/XXXX and spoke to supervisor XXXX at Chase, and asked her why I received a new credit card in the mail, when I asked for the account to be closed, ending in XXXX.
I received a new card ending in XXXX.
She told me that card was sent because " we said we were victims of identity theft ''.
I told her that was incorrect, we said to CLOSE THE ACCOUNT.
XXXX said she would close the account on XX/XX/XXXX.
Today, XX/XX/XXXX I received a credit bureau monitoring alert that another card was issued, ending in XXXX. I called Chase today and spoke to XXXX, and asked her why a second card was issued, which appears on my credit bureau report.
She told me she did n't know why another Chase card was issue, but now the account is closed. She said it appears every time I called to request the account be closed, it automatically issues a new card instead!
I told her I was very upset that Chase does NOT WANT TO CLOSE MY ACCOUNT, and I have to call 3 times to get my account closed.
This reminds me of XXXX XXXX, where they open up unauthorized accounts ....
This is the reason for filing this complaint - this must be stopped.
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Th US. nts slow a se vi. States nave 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : delete XXXX INQUIRIES en XXXX : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX delete XXXX INQUIRIES en Equifax XXXX XXXX XXXX REPORTING XXXX  XXXX XXXX - CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XX/XX/XXXX, CERTIFIED CREDIT REPORTING XXXX XXXX XXXX delete XXXX inquiries en XXXX : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX, payment not late account XXXX.
Product: Checking or savings account

{$4800.00} was stolen from my XXXX checking account. Someone stole the envelope with the {$18.00} check I mailed out using the street blue mailbox for a lawn service. My {$18.00} check was altered and cashed by a person named XXXX XXXX. He or she simply crossed out the original amount of {$18.00}, wrote the new amount of {$4800.00} underneath, changed the memo from the Invoice number to a Car payment, and deposited it using JPMC Bank ATM ( JPMorgan Chase XXXXFormer XXXX XXXX ). Neither JPMC nor XXXX  banks saw anything wrong with the check and accepted it. As soon as I saw the fraud on my account I reported it to my bank and the police. Here is what my bank ( XXXX ) stated when I requested the provision of credit : " We confirmed that our Security Department received the Check Fraud Dispute you submitted. For this type of dispute, the bank of first of deposit ( where the check was deposited ) is responsible for investigating your claim. Your dispute was sent to this financial institution, XXXX XXXX, Indiana NA, upon receipt of the dispute submitted in the branch. The investigation typically takes between 60-90 days ; however, due to COVID, the investigation may take up to 120 days. Upon completion of their investigation, the bank of first deposit will contact XXXX XXXX  with their findings, and we will contact you with the details. If they provide the reimbursement, it will be posted to your account as a credit memo. Unfortunately, provisional credits are not offered for a check fraud dispute. While there are some debit/credit card disputes where provisional credits may be provided ; this is not a situation where a provisional credit can be applied to your account. ". I had an excellent credit score, and it's now in jeopardy. How I am supposed to pay my bills? Coronavirus is now balmed for everything. The bank has allowed someone to take my money and refused to take any responsibility. I am not even sure if I ever get my money back. I thought FDIC had some leverage here. I am now not sure. 
I am asking for any possible help. I can provide a copy of the check that was altered and deposited, and other documents if needed. Both banks have all the necessary information. I can not contact JPMorgan Chase for the provision of credit, since I am not a customer there. They will not talk to me. I was told by my bank that they dont have control over the ATMs. I was shocked to found out that. It means that anybody could just draw a check and deposit it using ATM. What is the point to rob a bank with a weapon, if it is easily can be done through ATMs. I am going to write a letter to the XXXX XXXX  XXXX and contact media to bring attention to this problem. How could a check like that be accepted by an XXXX XXXX? Where was their security department?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX, ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX  XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, ACCOUNT # 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 an account without my written instructions.
Product: Credit card

Called American Express, tel. XXXX. Paying off this closed account. 
Over telephone chose payment of entire amount due. Paid what was quoted ontheir electronic payment center as amount due. Got billed again an interest chargeof {$5.00} even though the machine informed I was paying off the entire amount. Spoke with a representative named XXXX. He said I had to pay this, could not be waived. I told him I wanted to appeal, said I could not appeal. This is a recurring monthly interest charge that should not be charged. The account was closed. The entire amount was paid off, why is there a recurring interest charge being billed. This is fraud. Want a refund of my {$5.00} that I had to pay.
Product: Debt collection

During XXXX all gyms were essentially inoperable resulting in the need to cancel or place on hold. Because i had moved at the time i opted to cancel the membership. Upon meeting with the finance manager AT THE GYM location i was given a receipt or statement showing paid in full XXXX balance and never blinked twice afterwards. to my surprise i have a collection attempt from Aldous & Associates trying to collect on the amount i paid 4 years ago as debt! This is absolutely absurd and has caused me a denial of an apartment because of outstanding collections on my report and i can not let this scamming company get away with this
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/2016 I started the process of Disputing debt being reported by Dept of EDXXXXNavient who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to Dept of ED/Navient and again on XX/XX/2016 to all 3 credit reporting agencies XXXX, XXXX  and XXXX. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the Metro 2 compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to  XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act.

I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

TD Bank hereinafter called " alleged lender '' claims that they lent their money to me. Alleged lender claimed to me that the alleged lender would charge interest as compensation for lending me the alleged lender 's money. Financial institution 's CPA audit opinions claim that financial institutions involved in issuing alleged loans or loans follow Generally Accepted Accounting Principles, GAAP. There is a dispute regarding who loaned what to whom regarding the alleged loan. The alleged lender claims that they lent me their money. The alleged lender claims that the alleged lender has loan papers with the affiant 's name on it as evidence of a debt. The bookkeeping entries show the opposite and that the affiant was the lender and that the alleged lender was the borrower : According to GAAP, this is what happened : the alleged lender and financial institution involved in the alleged loan never lent XXXX cent to the affiant as adequate consideration to purchase the affiant 's promissory note. The affiant first became the lender to the alleged lender and the alleged lender was the borrower. According to GAAP, the bank recorded the promissory note as a bank asset offset by a bank liability. The promissory note was recorded as a bank asset in exchange for credits in the affiant 's transaction account or to give value to a check or similar instrument. The matching principle in GAAP requires that there be a matching liability offsetting the promissory note recorded as an asset and that the liability shows that the bank/alleged lender owes the alleged borrower money for the promissory note that was lent to the bank or alleged lender. The promissory note was deposited in a similar manner as cash is deposited into a checking account. Depositing cash or a promissory note into a checking account or a transaction account is the same or similar to loaning the alleged lender the cash or promissory note. According to GAAP, the promissory note was deposited as a bank asset offset by a bank liability with the bank liability showing that the alleged lender owed the affiant money for the promissory note that was received from the affiant and deposited. When the bank deposited the promissory note and credited the affiant 's transaction account, the alleged lender, the one who claims they own the promissory note, recorded a loan from the affiant to the alleged lender, making the affiant the lender and the alleged lender the borrower. The alleged lender returned the equivalent in equal value of the loan to XXXX XXXX, the lender per GAAP. When the money was repaid to XXXX XXXX, the true lender per GAAP, XXXX XXXX and ignored the bookkeeping entries which proved the money trail of who lent what to whom. The alleged lender claims to be the lender using a promissory note to claim they lent money to the affiant but GAAP shows that the opposite happened. The alleged lender did the opposite of what the affiant, XXXX XXXX understood and believed was to happen, creating an XXXX XXXX
Product: Mortgage

I have had a very difficult time with Shellpoint. I have tried to submit for a loan modification a couplel times. I was never able to communicate to the same person which always caused confusion. Shellpoint always seemed to lose my paperwork, which I constantly had to re-fax. I had a very serious medical situation and was hospitalized battling XXXX. I fell behind on my mortgage. Praise XXXX! I am now XXXX free. I now have 3 jobs and can afford my mortgage ... I have applied on XX/XX/20. I was told by Shellpoint to do so and should qualify. I have never had a loan modification before. 7 days later I got declined. Which does not seem like a fair review. I've been told it sounds like a predatory lender or investor by HUD and should file a compliant with CFPB for help!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX amount XXXX the account is reporting closed date of XX/XX/year> but showing last payment of XX/XX/year> it is also reporting payment status ok on XX/XX/year> I have asked to be provided proof of ownership by original contract with signature also I have asked for proof of notice of debt via certified mail receipt with signature before placing on my report and nothing has been received
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake financial is on my credit report when I never had the account ever. I am a victim of identity theft and fraud.