23daVinci/CFPB_Complaints huggingface dataset:
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 these accounts 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. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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}.
Product: Mortgage

Hello, I AM WRITTING TO YOU BECUASE MY MORTGAGE COMPANY ( SHELLPOINT MORTGAGE ) IS TAKING ADVANTAGE OF ME. AS OF XX/XX/2020 I ASKED FOR HELP SINCE I WAS AFFECTED DUE TO COVID 19. SINCE THEN SHELLPOINT MORTGAGE HAS LIED ABOUT MY ACOUNT BEEN UNDER REVIEW FOR A LOAN MODIFICATION.

LUCKILY I NEVER MISSED ANY PAYMENT BECUASE NOW SHELLPOINT MORTGAGE IS TELLING ME EVENTHOUGH I NEVER MISSED ANY PAYMENT SHELLPOINT MORTGAGE ORDER A BROKERS PRICE OPINION AND PLUS THEY WILL CHARGE ME EXTRA FEES TO REVIEW MY REQUEST FOR A LOAN MODIFICATION DUE TO COVID 19.
I SPOKE TO SHELLPOINT MORTGAGE IS TELLING ME THAT I AM RESPONSIBLE FOR THE COVID 19 FEES LOAN MODIFICATION SINCE THEY ARE ABLE TO CHARGE ANY HOMEOWNER THAT APPLIES FOR THE PROGRAM. 

I BELEIVE THIS IS UNFAIR AND SHELLPOINT MORTGAGE IS TAKING ADVANTAGE OF HOMEOWNERS SITUATION THAT WAS AFFECTED DUE TO COVID 19.

PLEASE HELP SINCE ALL MY PAYMENTS HAVE BEEN MADE ON TIME SINCE THEN AND I FEEL SHELL POINT MORTGAGE IS JUST TAKING ADVANTAGE. 

XXXX XXXX
Product: Debt collection

XXXX was sent XX/XX/2022 from Synergetic communication Inc / XXXX. Amount : XXXX theyre demanding the amount is to be received by XX/XX/2022. The name signed by XXXX XXXX, director of operations. 

I told them i dont have that amount by that date and can only offer {$800.00} and they refused to agree. They told me if I couldn't pay the amount, they threatened me thag it would damage my credit report from them
Product: Credit reporting or other personal consumer reports

I have multiple false inquiries on My Credit Report that do not belong to Me. I have been a victim of Identity Theft since 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
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFCB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFCBs findings indicate that Zelle has not neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently trying to purchase a home but mortgage company could not pull Equifax score. I called the Equifax and the rep told me that I had to send request by mail with proof of identification to remove fraud alert. I did this on XX/XX/21. I have been calling to follow up but they give me the run around claiming not to have received the request. After this, I emailed the request and faxed it. As of today after 2 weeks, they are claiming to have not seen my request. Now my home purchase is on hold and Im stuck in a hotel because of them!
Product: Credit card or prepaid card

I have contacted Paypal Credit multiple times regarding my current line of credit with them. I have informed them that I am XXXX XXXX military and requested the interest rate reduction from the standard 24 % to a maximum of 6 %, as per the SCRA. Each time I have verified my address and have waited for the requested forms to come in the mail and nothing has arrived. I submitted my written complaint to the company stating this continued issue and that I will submit a complaint to CFPB if it is not resolved soon. I was told that the issue has been sent to cooperate offices and I will receive a written response within 7-14 days. That time has passed with nothing received either physically or digitally, I have spent months trying and being patient with the company but am getting nowhere. 

I have attempted to contact their head bank Synchrony but it always directs me back to Paypal Credit.
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan from OneMain Financial in XXXX of this year. In XXXX, I had a double mastectomy from a XXXX XXXX diagnosis and problems with my XXXX money caused me to become behind on several bills. 

OneMain was the only option at the time for a personal loan. I was skeptical when OneMain asked for the title to my car, a XXXX XXXXXXXX XXXX, XXXX miles. However, I did hand over the title so I could get my creditors paid. 

Because my car is low in value compared to the loan I received from XXXX, I requested title back to my car. I had made payments to the loan which totaled the value of my car as is ( around $ XXXX {$1200.00} ). I was already dealing with having to replace the catalytic converter, but advised XXXX in the event of a catastrophic failure in the car, I was not in a financial position to make repairs to the car nor would I spend more on repairs than the car was worth. 

I was contacted by XXXX of the XXXX XXXX at XXXX who advised they had done an appraisal on the car and valued it at {$6100.00}. When I pressed what engine or XXXX they used to determine such value, she would not tell me. All that I was told was that in order to get the loan I did, they needed to increase the value of my car. I told her there was absolutely no way that car was worth {$6100.00} - I am on my second engine, the interior leather is pealing and there are locks broken on the passenger and passenger backseat. 

I even told the representative who assisted me with the loan that my car was in no way worth even XXXX of the loan they were giving me. I was not explained that they input value to my car or else I probably would not have taken the loan. Not only this, but I had to put OneMain on my insurance as a lien holder. Im not comfortable with that at all. In the event something happened to my car or I was in an accident, they would file a claim for monies on the car, leaving me high and dry and without a car. 

All I want is my car title back and the loan redrafted to an unsecured loan. I will pay the loan off in 3 years, but I would like my car title. The reality is, I keep my car maintained, but it is a XXXX XXXX XXXX car with it being shy of the XXXX mile mark. I have also seen reviews where people are still waiting for the titles to their car back, XXXX years, which is another concern of mine. I would like the XXXX help in at least getting my car title back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chase Mortgage is being reported in the remarks " Payment Deferred. '' This is incorrect and needs to be removed
Product: Debt collection

Hello I have a major complaint. I pulled my credit report. And noticed that Experian and XXXX have two different account numbers, no address reporting for the bankruptcy reporting on each bureau. Thats fraudulent and misconduct to my future of purchasing a house. I yu have tried communicating with the creditor about this and they have no response. Also there is correct court name reporting on each bureau where the information came from so I have no clue. This is fraudulent! I need this remove ASAP! I know my rights! I have proof of miss information not use correctly on both bureaus.
Product: Money transfer, virtual currency, or money service

Wells Fargo has refused to provide proof of fraud investigation.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for their refusal to remove disputed accounts from my credit report, despite multiple disputes and provided documentation. The accounts in question are listed under collections as follows : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX These accounts are inaccurately reported and are not listed on my credit reports with other credit bureaus. Despite my repeated efforts to dispute these accounts, Equifax has not taken any action to remove them. Additionally, Equifax has failed to respond to my prior complaints about this issue. 

The continued reporting of these accounts is hindering my ability to secure mortgage approval, as it negatively impacts my creditworthiness. I demand that these accounts be investigated and removed from my credit report immediately to ensure that my file reflects accurate and fair information.
Product: Debt collection

USI Solutions Inc is the collection company. 
On XX/XX/18, I spoke with a representative from USI and asked them to stop calling my father who is in a XXXX XXXX. The representatives him that he was would not stop calling and that would continue calling him daily. Today the company called me twice, called medical facility twice and called my father 's cellphone. The representative that called the medical facility represrntent himself as a family friend to the nurse that answered thephone phone.
Product: Credit card or prepaid card

I contacted XXXX XXXX about XXXX XXXX XXXX charges on the XXXX of XXXX in regards to not seeing a bill. They said they would not wave the charges, however I was not getting my bills with them by mail or e-mail ( electronically ). There was no bill, but I finally got a response by mail on XX/XX/XXXX -- again, stating they would not wave the fees. I had struggled with their online phone service, then to get bills, and now that I have paid them ( since recieving my payment for this late fee ), they have added an additional XXXX dollars in charges. Same thing, no response to my message about this on their electronic messaging, no bill and more charges. I JUST got a messaged response, and this was not a helpful response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I send out a dispute letter to all there credit bureau TransUnion, XXXX, and XXXX  to verify all the information that i think are incorrect and wrong i am exercising my rights under fair credit reporting act i gave them 30 days to response and no answer so i want the items to be removed and deleted.
Product: Mortgage

I have been having a difficult time paying the mortgage for some time now. I have asked for a modification twice and both times have been denied. I have tried calling a customer care associate several times and they are never of any help. They either do not return phone calls or are not able/willing to offer any feasible solution. My house is now going into foreclosure and I feel that someone within the company should have been more willing to help. It seems as if they are just out to make money from my struggles.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I purchased XXXX XXXX XXXX Tickets via XXXX through my Chase mobile app. The seller had listed their ad on XXXX, and I sent them {$100.00} for the tickets. They informed me they would immediately send the e-tickets to my email, but they never did. They then blocked my number. I called Chase almost immediately to try to stop the pending transaction, but they informed me there is nothing that they can do, and that I need to figure it out myself.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence and to continue disputing unauthorized inquiries that remain inaccurately reported on my credit report. This letter serves as my Round 6 dispute regarding these unresolved issues.

Inquiry by : XXXX Inquiry date : XX/XX/XXXX Issue : I did not authorize this inquiry. 

Inquiry by : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Issue : I did not authorize this inquiry. 

Inquiry by : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Issue : I did not authorize this inquiry. 

These inquiries were not authorized by me, and their presence on my credit report is negatively affecting my credit score and financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information in my credit report.
Product: Credit card or prepaid card

I started a dispute with my crypto.com card company on XX/XX/2021, and they ard still not telling me amything other than when they have an update it will know, but I've been trying to get an answer to my question I don't necessarily need or want am update ivd bern trying to find our way I wasnt given provisional credit as it states on this conpanys card holder agreement handbook that I recieved upon setting up and account with crypto crypto.com that I should BS provisionally credits XXXX businsss dAys after dispute is made and they have XXXX extra days in certain situations to add provisional credit to an account in the case that they nees more time or decide to investigate fire her taking longer.i have not Ben offered, given, or even answered about provisional credit in any shape or form by company and at this point I feel Ignored and that they don't cars about my situation degrading this card and I feel very mistreated and disrespected they sont understand that I havd been stolen from and im already upset angry an broke and that they are the ones the only ones that can help me clear up the situation I cant do it myself I cant ask then inveTigTion team a question or i would do it myself and they just keep giving me. Ridiculous response that in no way even almost answers my question but it been well past the 10 or even 15 business days timeframe please help me even if to only get a response that would ease my anxiety a littke I just wanted my money back and to know what happend that would help tremendously
Product: Mortgage

I closed on my refinance XX/XX/XXXX and there was set to be {$2800.00} set aside and that portion was to be used to pay for our property taxes for the month of XXXX. 

However, when taxes became due freedom mortgage did not pay them. Instead, taxes went delinquent and they tried to use the money in my escrow account but it wasnt enough. ( because they already had the money for my taxes from closing ) So the payment didnt go through, freedom finally made a manual payment ( XX/XX/XXXX ) of property taxes 2 months after they were past due. This included a late fee which they are obligated to pay but instead they added it to our escrow shortage they claimed we had because the taxes cleaned our account out. 

So they made us split up the shortage over a year. For the past year we have been making additional escrow payments because of an error on their end. 

I can count at least 7 times over the past few months that I have tried to get help with this issue. I was positive that we werent short but not one single representative noticed the error. No matter who I am directed to or who I ask nothing made a difference.

Freedom even ran not one but TWO escrow analysis and neither time did they notice the error or the charge for the late fee? I finally got tired of the never ending we understand that not everyones financial  situation. The money we have isnt the problem. The problem is that freedom has over charged us on our mortgage for almost a year and had no plans to notify us or even credit us for the fee which is illegal. 

I cant trust this company with my money and information anymore. This has been the worst home buying/owning experience that I ever expected. No one cared, but they all care to have us pay for a refinance again. 


Now, on XXXX XX/XX/XXXX we received a mysterious payment from an unknown source in the amount of {$2800.00}. My idea is that someone finally realized the issue and was trying to fix it without us finding out but the damage has already been done. Ive been forced to pay a higher payment during a global pandemic with literally ZERO comprehension on freedoms part.

I dont just want my money back but I need freedom to pay for this erroneous error that could have quite literally led my home into a foreclosure. So much for using my VA loan with this company.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : I discovered four unauthorized XXXX transfers in my online account. One took place on XX/XX/XXXX and the other three took place on XX/XX/XXXX. The recipient was a person named XXXX XXXX whom I don't know at all. The total amount was {$4500.00}. I immediately called TD Bank to report these unauthorized transfers. A representative at the Fraud Department told me she was not able to stop the transactions since the first one had been processed and the other three were in process. She filed the case and submitted it to the Disputes & Claims Department. She also told me the investigation would be complete within 10 business days and I should receive a written letter about the result. In addition, she helped me close/freeze the old account, open a new one, and transfer the majority of fund from the old one to the new old. 

XX/XX/XXXX : I called TD Bank to ask about the investigation result since I never received the letter. I was told the department determined the four transactions were processed properly. Therefore, there was no need for further. After hearing my explanation of the situation, the rep filed the case for me again and suggested that I fax a copy of the police report and the identity theft report I filed with FTC afterwards. Following her advise, I faxed both reports along with a letter to explain what happened. 

XX/XX/XXXX : I received a letter, dated XX/XX/XXXX, from the Disputes & Claims department at TD Bank. They have determined no error occurred so there was no action needed at their end. 

XX/XX/XXXX : I sent another package that contains the police report, FTC report, and a letter explaining the situation and requesting the return of {$4500.00} by mail. As of today, XX/XX/XXXX, I haven't heard any response from TD Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion numerous times explaining that the following inquires are listed as someone was trying to get accounts opened in my name. I am not working with any credit repair or quick fix company. I am taking numerous hours out of my day from my family to get this corrected and each time nothing. I believe you are sending computer generated responses or not looking and sending the same responses. Please delete the fraud information from my credit report.
Product: Debt collection

XXXX, Harris & Harris-collects for XXXX XXXX  XXXX Balance : {$110.00} To Pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reply STOP to stop This text has been sent to me twice. Most recently, XXXX XXXX and also about 2 weeks earlier. I have not clicked on any links nor have I called the company. I know this is a scam because I never traveled the XXXX XXXX, ever. There was no car license plate or home address provided, and I never received a bill in the mail from the XXXX XXXX or this " debt collector ''.
Product: Credit reporting or other personal consumer reports

while reviewing my Equifax credit report I noticed that the account # XXXX is inaccurately reporting and using my credit report inaccurately according to Title 15 US Code 1681b that states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account shows inaccuracies with payment reporting and account status. the company has not verified any connection to me and this account and can only furnished typed electronic paper That does not verify ownership of this account. I do not and have not opened an account with this company or any other company. According to title 15 US code 1692 I exercise my right to cease communication with this debt collector. Under code 1692g there is no validation of this debt. I requested legal documentation with a verified signature on XX/XX/XXXX and the company responded with a electronic typing which appeared to have my name on it. Due to my involvement in the XXXX Equifax data breach, I strongly stress that this item be removed based on Title 18 Us code 1028 I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Fraudulent Transactions and Lack of Support from PayPal and XXXX I am filing this complaint regarding a series of fraudulent transactions that occurred through PayPal, involving significant financial losses and a lack of support from both PayPal and XXXX. 

What Happened : Between XX/XX/year> and XX/XX/year>, I sent a total of {$6000.00} through XXXX and PayPal to a XXXX  acquaintance ( {$1500.00} through XXXX and {$4500.00} through PayPal ). These payments were made using XXXX and using PayPal 's " Friends and Family '' payment option, as I was misled by the recipient to believe it was necessary for the transaction. Shortly after, I realized I had been scammed and began the process of seeking resolution. As the scammer who went by the name " XXXX XXXX, '' would send me checks just for them to get bounced Actions I Took : PayPal : I contacted PayPal on XX/XX/year> to report the fraudulent activity. 
Initially, I was told to speak with a manager for resolution, but despite multiple follow-ups, no manager returned my calls. 
Ultimately, a PayPal representative informed me that because I used the " Friends and Family '' option, they would not assist with reversing the charges or investigating the fraud. 

XXXX : On XX/XX/year>, I contacted XXXX to dispute the charges made on my XXXX credit card through PayPal. 
XXXX informed me that they adhere to XXXX terms and policies, meaning they could not help due to the " Friends and Family '' nature of the transactions. 
I was directed to file a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX, which I submitted on XX/XX/year>. 

Impact on Me : I am currently being charged interest by XXXX on the disputed PayPal transactions because the dispute is not considered " under review. '' The total amount lost is {$6000.00}, which has caused significant financial stress. 
The time and effort I have spent contacting both PayPal and XXXX have yielded no support or clear solutions, leaving me feeling abandoned by both companies. 

Why I Need Help : As a consumer, I feel that both PayPal and XXXX have failed to protect me from fraudulent activity and left me with no recourse. I trusted these platforms to provide secure financial services, and I am now at a significant financial disadvantage due to their refusal to take accountability. 

Thank you for your attention to this matter. I look forward to hearing back about a resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to 15 u.s.c1692c by law a XXXX  credit have violated my right by in lawful communication. I have tried to resolve this dispute I would like them to remove this information from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts XXXX XXXX {$1300.00} XXXX XXXX {$480.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$900.00}