23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have submitted a Request for Mortgage Assistance ( XXXX ) along with every document requested to bring this mortgage up to date. I was waiting for two years for the mortgage company 's underwriters to accept the legal documentation submitted by my attorney for the deed to my home. 

My home has been put on the Sheriffs sale list 3 times now. This mortgage company 's attorneys have not done any research on my account. If they had they would see that I am waiting on their underwriters to do their job. 

I can not sleep or eat. This whole situation has given me XXXX XXXX. I have done EVERYTHING possible to take care of this problem. The mortgage company 's attorneys just keep on filing. This whole situation is due to the lack of knowledge, professionalism and legality of the mortgage company and their underwriters and attorneys.
Product: Mortgage

I would like to draw attention to the lies and misinformation that Shellpoint provides on numerous occasions. Please see the attached response from them. Some things of note : 1 ) Their timeline does not include all the details of pour interactions nor the interactions between the XXXX XXXX and Shellpoint where all the documentation and backup was provided. 

XXXX ) Shellpoint talks about losing payment through XXXX. These are their words and they are inaccurate. First, we paid by check, which they lost, yet we provided the cleared check with he stamp from their proven account. These are facts. 

XXXX XXXX Shellpoint has lost payment through TWO mechanisms. Online XXXX XXXX AND check. This is not a coincidence. 

XXXX ) XXXX XXXX from Shellpoint said our bank statements with personal information redacted was fine in writing. Now they are trying to say we didn't send them. This too is a lie on multiple fronts. We made XXXX XXXX aware in writing they had lost our information before and he said it was fine. If he had another ask, he never asked it. Further, these statements were provided by XXXX XXXX from XXXX to Shellpoint as confirmed by XXXX. So again, this is a lie. Finally, we said we're happy to send the full statements YET AGAIN, however, we want them sent to an executive, by name who has top personally sign for them. Not a low-level person or a general inbox, but an executive. I want them to personally sign given all the personal information they lost. 

XXXX ) they claim we haven't provided proof of payment but we did send the check and the statements showing the funds leaving and not coming back. We expect the check payment reversed. It's clearly stamped with the Shellpoint account.

6 ) We have asked MANY times now of XXXX that we want to be sent THEIR wires testaments for amounts on those dates. That keeps getting refused. Their letter says I have a right to " request documentation ''. I am exercising that right and they refuse. Show me all wires, from XXXX, on those dates for those amounts. If any come from XXXX on the XXXX XXXX, Shellpoint is either lying or made a massive mistake and are covering it up. It's simple, show we the XXXX wire logs.
Product: Checking or savings account

Chime bank asked me to prove my identity, I provided the proper documentation and was told my account was closed and they would send a refund after I provide the last 4 digits of my social and I did. They then said that they would send a check. Days later they said that they would not refund my XXXX XXXX This is after several months of going back and forth and being told they were sending a check to the address on file.I spoke with several different customer service reps and was told different things and was lied to.They closed my account with no explanation and took XXXX $ from me and cost me my apartment I'm now homeless because of Chime.
Product: Credit reporting 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 these accounts have violated my rights. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170000.00} 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 reporting, credit repair services, or other personal consumer reports

This is a request to you to remove the disputed accounts and information that resulted due to identity theft. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$580.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

CitiMortgage did a loan modification of our 1st and 2nd mortgages in XX/XX/XXXX. We are selling our home and when the title company called for a payoff the second mortgage did not exist. Yet, two days later Citimortgage sent a letter to the title company stating we are to voluntarily give them over {$34000.00} of our closing costs to them for the amount of the second mortgage. When we called XXXX they stated they had not received the Dodd- Frank documentation. We have proof they received and scanned in the Dodd-Frank document filled completely document on XX/XX/XXXX via XXXX. 

When we spoke with XXXX in the Recovery department she stated they had the home equity loan and another department had our original first loan and she needed to reach out to them and get back to us in regards to the loan modification. 

We were supposed to close on our house XX/XX/XXXX but moved it to the end of the month to attempt to get this resolved.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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

I sent disputes to company on XX/XX/2020 and still haven't received a response. The information being reported is damaging my credit. I feel like Im being looked over and it is really affecting me. Please intercede to have the incorrect items updated. I don't know if this is a result of me being affected by the Equifax breach but I can't wait until this is over. 
Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was opened by someone else do to the XXXX  credit breach it found that it was opened do to the XXXX Credit Breach was deleted by XXXX
Product: Debt collection

I've been contacted a couple of times by a company called Revenue Group from XXXX Ohio. They claim to be trying to collect a debt from the XXXX XXXX. I have been using the XXXX XXXX for a while and I believe all charges have been paid either from my health insurance company or be me either directly to the health provider or through me XXXX account. the Revenue Group does not provide any detail as to what charge is unpaid or for what sevice the charge was for. All the say is you us {$1600.00}. I have no idea who these people are or what they are trying to collect.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report today, I saw unauthorized inquiries that I did not recognize. I dont understand why theyre there, as I check my report regularly and never had this problem before. I refreshed my browser hoping it was a simple glitch, but that didnt fix it. I'm really upset and expect a detailed review of the documents I provided to finally put an end to this.
Product: Debt collection

I am writing to dispute the inaccurate late payments reported on my credit file. After a thorough review of my credit report, I have identified discrepancies that I believe are affecting my credit score negatively. The purpose of this letter is to request an investigation into these discrepancies and to rectify any inaccuracies in my credit report. 
Below, I have outlined the specific details of the inaccurate information on my credit report : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have been a responsible and diligent payer, consistently meeting all of my financial obligations on time. However, the late payments reported on my credit file do not accurately reflect my payment history. I kindly request a thorough investigation into these discrepancies and the removal of any inaccurate information from my credit report. 
I understand that, according to the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputed information within 30 days of receiving a consumer dispute. I kindly request that you initiate an investigation into the inaccuracies I have identified and inform me of the results upon completion of your investigation.
Product: Debt collection

Today they have sent a tow truck to come and steal my vehicle in the middle of the night. I have told them that I want to rescind the transaction and they havent responded yet. They have violated my rights as a consumer. I have explained to them that everything was paid for and they still took my property.
Product: Debt collection

A Representative of XXXX continues to call & harass me over a time-barred debt with Bank of America. I have been threatened with law suit filing and have continued to advise that this debt was disposed of 15+ years ago. I have asked the representative to cease and desist yet they continue to harass me with threatening phone calls.
Product: Checking or savings account

I have had an account with Wells Fargo for several years ... when I opened my account, I specifically told them that I wanted Overdraft Protection turned off and if my automatic debit from services like XXXX tried to process, simply reject the debit card forcing the service to turn off. Every once in a while, the overdraft protection service would magically turn on, not at my request, and I would be billed several overdraft fees because the bank does not process charges immediately when you process them ... for some reason they hold large charges for several days, then when you have multiple pending items, they will process the largest charge first in order to get the maximum amount of fees by processing the smaller charges that may have been charged prior to the large debit forcing multiple overdraft fees. Sometimes a company will try to process the same debit multiple times within a 48 hour period and the bank will charge multiple NSF Charges, then process an overdraft charge and pay the bill that may only be {$25.00} effectivley changing a {$25.00} charge into {$130.00} charge in favor of the bank. I recieved a recent notice that CFPB had won a lawsuit against Wells Fargo on the subject of overdraft fees and that they should be limited to approximately {$5.00} per occurance ... I went back over the last two years and found they had charged me overdraft fees XXXX times for a total of {$2200.00} in fees, but had refunded me 9 of those occurrences for {$310.00} still netting the bank, {$1900.00} in overdraft charges, most of which I didn't notice until I went back through my account after the CFPB court case. If we use the {$5.00} CFPB Fee per occurance I conced that {$320.00} is a fair charge for an overdraft service in which the company is " Helping '' the consumer but this would mean I'm still owed a refund of {$1900.00} of fees taken from my account mostly without my knowledge
Product: Debt collection

I was I XXXX  from XX/XX/XXXX to XX/XX/XXXX. Credit cards were open in my name, as well as several inquiries.
Product: Credit reporting or other personal consumer reports

The late payments listed are inconsistent with my usual payment pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, I sent several letters, each with a full attachment of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorized inquiries should be immediately removed : XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am currently being sued by AutoVest LLC for an old Auto debt that has reached statues of limitation for sale of goods. I am also being sued in a state where I do not live, and did not sign for debt in. And they also are suing me without notifying me, or sending any documentation supporting their claim.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Correction of Incorrect Name and Address Information in My Credit Report Dear Sir or Madam, I am writing to request the immediate correction of inaccurate information in my credit report related to my name and address. 

My correct and only name is : XXXX XXXX XXXX XXXX. 
My correct and only address is : XXXX, Texas XXXX. 
Upon reviewing my credit report, I identified errors related to my personal information that need to be corrected. Below, I have outlined all inaccuracies : [ List the errors exactly as they appear in your credit report ] To facilitate the correction, I have attached documentation verifying my identity and accurate information, including : A copy of a government-issued photo ID ( e.g., drivers license or passport ) A copy of a utility bill or bank statement showing my current address I respectfully request that you : Correct my name to reflect XXXX XXXX XXXX XXXX XXXX 
Update my address to reflect XXXX, Texas XXXX. 
Remove all incorrect or outdated entries related to my name and address from my credit report. 
Please confirm in writing once the corrections have been made and provide me with a copy of my updated credit report. 

Should you need additional information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, [ Signature, if on paper ] XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

no resolution file since XX/XX/2024 turned over to FAIR XXXX REPORTING COMMITTEE..LEGAL Complaint HIRE ATTORNEY. Requesting damages due to inquires and being Denied by different companies XXXX showing on all denial notice received XXXX XXXX is aware FRAUD-ALERT. Been place on the account AFTER. speaking to XXXX XXXX REP. VERIFIED on phone stated no name showing on the accounts or payment history Shortly l received a letter in the mail from XXXX. XXXX DATED XX/XX/XXXX REQUEST ENTIRE ACCOUNT? s.attached below? No name shows on the letter REQUEST ENTiRE BILL.Which isn't considered accurate verification. SINCE XXXX XXXX XXXX XXXX XXXX XXXX. Is reporting twice on my credit report ... .all XXXX credit bureaus. requested. Money. Unable Verify? informations shown on the account l have been denied by different companies also inquiry besides effect credit considers fraud force collect money? XXXX that not owe Selling the accounts different. Collect XXXX who stated all information was received. From XXXX XXXX? Who's showing No name address ssn payments history.? ONLY PAYMENT SHOWS WHAT OWED? a printout.provided i XXXX. Rep phone conversation. complaintive companies do there own investigation .not the reportin companies attached information below
Product: Credit reporting or other personal consumer reports

Im filing this report today because I was the victim of identity theft. An individual, entity, company or corporation has opened accounts without my knowledge. They enriched themselves on my credit without my knowledge, consent or authority. The following accounts are tied to the identity theft and are in such fraudulent. I need the following account ( s ) removed or blocked from my credit report. Im aware that filing a false identity theft report opens me up to possible criminal & civil penalties. I understand under the penalty of perjury Im liable for such statements. This statement is my factual understating of the events : Inaccurate Addresses : 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 or other personal consumer reports

I found unauthorized inquiries on my credit report today, with no explanation. I check my report regularly, but this time, there were unusual entries out of the blue. I tried refreshing my browser to see if it might just be an error, but the inquiries stayed. Im asking you to review my documents thoroughly because this issue has me very concerned and needs immediate resolution.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX XXXX is in violation of fair credit reporting act. 15 USC Code 1681s- 2 section F reporting infomation during Covid 19 ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

the covered period started XX/XX/XXXX and ends XXXX after the XX/XX/XXXX and late payments were being reported during the covered accommodation period.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, in accordance with the Fair Credit Reporting Act XXXX  Acct # XXXX XXXX ACCT # XXXX XXXX XXXX , ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have the right yo 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
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX  XXXX {$310.00} XXXX XXXX {$110.00} XXXX  XXXX {$1200.00} XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXXXXXX {$100.00} These credit accounts and collections are the results of identity theft and fraud.
Product: Student loan

I went into XXXX XXXX to check out the school. They had me take a test and told me that i could start immediately because i did so well. Just in talking with them they had already run everything and had me enrolled in classes before i really had time to think about it. XXXX XXXX, told me that my student loans would mostly be taken care of with Grants and that I would have very low interest rates because it was a student loan. In the second year of attending I found out that most of my schooling was private loans and some gov loans and that the interest rates were form 7-12 %. I graduated being told that i would make XXXX and up in the XXXX field. Come to find out this was also not true. Also that XXXX would always help me with resumes and finding a job. Shortly after graduating the career counselor would not see me or answer my calls. They also told me that my credits would transfer and i found out later that not 1 credit would go to any other school. I never would have gone here if i knew all of this.
Product: Credit card or prepaid card

I had 2 Bank of America credit cards opened in my name. One on XX/XX/22 and the other on XX/XX/22. Both had a credit limit of {$10000.00} Bank of America closed both accounts