23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX just switched banks to Comenity. On XX/XX/XXXX I called to find out where my new card was & was told that it would arrive on XX/XX/XXXX. I explained that we would be in XXXX then & was there any way to get it sooner. I was told NO. Yet they wanted me to give them a payment over the phone. I said I would pay when my card arrived & I actually have an account with them. 
We arrived home yesterday & we have a bill from them but no credit card. I called to find out what was happening & at first they told me I wasn't in their system. When I mentioned I had a bill from them I was asked to read the # 's off the bottom of the bill & suddenly they found me. I explained that our card never arrived. I was told they would reissue my card & it would be at least 2 more weeks before it arrives. I told her to please understand that until I have an actual card & account with them I am not making any payments.
Product: Debt collection

All I know is that this account is showing up on my credit report and I have no knowledge of account or any business dealings with this company
Product: Debt collection

I spoke to a representative about this debt on XX/XX/XXXX. I notified the collector that I did not open this account. I am a victim of identity theft and I have been trying to get the police and other authorities to help me. When I checked my report on all three credit bureaus, I noticed several charges on my report. One of the charges that I notice was from Waypoint Resource Group ( XXXX XXXX ). I called this company to inquire about this debt because I did not open anything with this company. The representative stated that this account was opened in XXXX and closed in XX/XX/XXXX. The debt is in the amount of {$720.00}. She also gave me the address of the individual that opened the account XXXX XXXX XXXX XXXX  XXXX FL. I do not live at this address, and I had this address removed from my XXXX report. I have been living at the same address for over 10 years and the address on XXXX XXXX XXXXXXXX XXXX, XXXX FL is not my address. Please help me rectify this situation.
Product: Mortgage

my XX/XX/2022 payment has been refused to apply to my loan. the company said it was because the amount was less than required, however my payment was exactly the amount on the statement from the loan company.
Product: Mortgage

Network Capital has been calling me daily even after me requesting to be taken off of their call list. This most recent call, the telemarketer was asking what my rate was then told me that they could definitely beat the rate and transferred me to a licensed XXXX. The XXXX instantly told me that they couldn't beat the rate that I currently have. My complaint is 3-fold ; network capital is telemarketing my cell phone number, they have non-licensed people discussing rates with me, and they're providing false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX will not return my phone call or give me the correct email to dispute this off my credit report properly. I am demanding this ( XXXX XXXX ) to be removed off my credit report or I will bring on a lawsuit starting next week. I never signed and agreement with XXXX or XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX is violation of my right per FCRA. This is affecting my life and needs be handled. POLICE REPORT ATTACHED BELOW
Product: Credit reporting

This month I checked my credit report through XXXX. On each report there was a new item for {$2000.00}. One is listed as XXXX ( TransUnion ) the other as XXXX ( XXXX ) ; both list the original creditor as XXXX. I do not have a XXXX account ; my last XXXX account was closed in XXXX, 2011 ; and had a XXXX balance. I have received no XXXX communications since.
Product: Credit reporting or other personal consumer reports

XXXX XXXX erroneously and illegally reported a duplicate automobile account on XXXX with a Last Activity Date of XX/XX/ XXXX XXXX 

XXXX XXXX is not reporting on TransUnion or TransUnion is not updating XXXX XXXX 's reporting because it is not on my TransUnion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
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 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 ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX  Balance : {$2800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

Tried to get inquiries removed from my accounts with TransUnion, XXXX, and XXXX told them that they were not authorized but the companies refuse to remove them.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX XX/XX/year> {$1000.00} By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.
Product: Checking or savings account

I have been charged overdraft or returned item fess when the balance is low, even though money comes in the next business day, often before the check or transaction clears. 

XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is Bank of America and I have a inquiry on my report that I didn't authorized nor did I apply for anything and I want this item removed via FCRA section 623 if you can't provide proof that I requested to have this inquiry on my report It's fraud.
Product: Mortgage

I have recently lost my job and contacted Shellpoint Mortgage Servicing about any programs/options they may have to assist me. 

My first contact was shortly after I became unemployed on XX/XX/2018. In this conversation I was informed that there was a pay for two months, then defer two months payment. 

My second conversation with Shellpoint Mortgage Servicing on XX/XX/2018 led me to first believe that there were NO options to provide me that would help ease the pain and stress of being unemployed. 

Once pushed, I was forwarded to another customer representative to discuss the options which suddenly became available. The options available are for a 3-month forbearance which will become 100 % due on the fourth month. The fourth month would require 4 whole payments at once!

I do not believe this is a viable option that would be of help in relieving the financial burden during a period of unemployment. Having to come up with 4 months of mortgage payments after having been unemployed adds to the financial stress caused by the disruption in income.

When asked about the original offer of deferring two months after having made two months payments, the customer service representative told me that my financial backer, XXXX XXXX   does not participate in that offer. 

I am having a hard time believing that there are no viable options that would be of benefit to helping a customer out during a time of financial burden.
Product: Debt collection

After XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX, I received a bill with a summary of charges that included {$6200.00} in XXXX and XXXX charges of which {$1600.00} was being billed directly to me instead of insurance. However, my child never attended the XXXX or XXXX so I called to inquire about the charges the week of XX/XX/XXXX ( XXXX ). The billing representative told me to submit my questions in writing along with my account to their XXXX XXXX XXXX. She was unable to provide any information about why XXXX charges were listed. I wrote a letter as directed. I never received a response. Thus, I paid {$800.00} on XX/XX/XXXX and {$80.00} on XXXX XXXX and of the total sum awaiting a response to keep the account from being in poor standing. I wrote another letter approx 30 days later on XX/XX/XXXX through certified mail with tracking. To date, I have not received any correspondence from XXXX regarding my inquiry about these charges. However, I received a notice in the mail that the account had been sent to collections. The name of the agency is Receivables Outsourcing, LCC and the total debt listed in {$770.00}. It is unethical to add false charges to patients and its even more egregious to ignore my letters and instead, send these inaccurate charges to a debt collector
Product: Credit reporting, credit repair services, or other personal consumer reports

UNITED STUDENT AID FUNDS Closed :XX/XX/XXXX XXXX Closed :XX/XX/XXXXXXXX XXXX Closed :XX/XX/XXXX Attached is the settlement letter from XXXX a collections for XXXX also USAFunds. I reached a settlement last year with XXXX, paid Taxes as a earned income last year as well. I have tried to over and over to reach USAFunds to remove account from Credit Report with no luck, this is a sister company to XXXX. XXXX has sent me letters showing account closed XX/XX/XXXX Can send these in as well once I get them scanned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, US Dept of Ed/XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX and 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 consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with the major credit bureau Equifax About the unverified info being reported from XXXX XXXX XXXX account number XXXX. 
I have sent XXXX notifications, I have not even seen if the account is in dispute or heard from them in XXXX months about this unverified account. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple dispute letters and CFPB complaints against you to request to remove the erroneous information that you have been reporting on my Credit File. When I checked my credit record, I discovered multiple billing problems. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any negative statements on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that should have been corrected and or removed a long time ago : XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}. Also, you have been failing to send me copies of proof of verification from the investigation you were supposed to conduct. I have my doubts whether you did any investigation at all. Under the FCRA, I am going to request once again to remove the negative marks and statements on the disputed accounts or completely eradicate the disputed accounts themselves.
Product: Credit reporting or other personal consumer reports

On my credit report is a collection from a company called XXXX I have never heard of them. Nor do I believe this debt is accurate. I looked XXXX up online and found their contact info. Referencing the FTCs website, wrote them a debt validation letter. My letter refers to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). It specifically asks XXXX what the debt is for, how XXXX  calculated the debt, proof of any document with my signature, proof the statute of limitations has not expired, and proof XXXX  is licensed to collect this from me. In the attached letter, they responded with a vague response, a balance, and a statement saying I owe the debt. They provided no contract and/or proof that this debt is mine! Consequently, Im formally requesting you contact this collection company and have them send me a confirmation this debt has been removed from their system. I want to be assured I am not responsible for a debt XXXX can not legally prove is mine.
Product: Checking or savings account

I learned a Navy federal account was fraudulently opened in my name, Im unaware how being Im not a qualified for member ship I have not affiliation with the XXXX nor military my personal information was used to open this account and credit card. Ive recently learned I was a victim of the data breach and my information was compromised. Ive received recently disputed this account and the address 2021 XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX as fraudulent but yet it remains. Despite sending ftc reports police reports proof of address an id and social
Product: Credit reporting or other personal consumer reports

My information was leaked fo the public and asking all negative information be removed
Product: Mortgage

I contacted the SPS mortgage servicing company to request a mortgage loan forbearance due to work closure on XX/XX/XXXX. 

My mortgage loan was transferred from XXXX XXXX XXXX as of XX/XX/2020. After registering as a new customer with SPS, I immediately asked for a forbearance due to my job situation. I also sent two emails to my account 's Relationship Manager on XX/XX/XXXX and XX/XX/XXXX respectively. Those emails were never returned. I also sent a letter dated XX/XX/XXXX outlining my concerns about the proposed forbearance plan and my objection to the agreement. 

Although approved for the forbearance, a balloon payment was to be required in month 4 of approximately {$12000.00}. If I am asking for a forbearance now, how does SPS expect me to make a large balloon payment 4 months later? When I called a spoke to an SPS representative, they could only tell me that " some options '' would be available to me within 30 days of the forbearance plan 's end date. I pressed the representative for answers but all I got was excuses and confusion. 

At that point, I asked that the forbearance plan be cancelled. I told the SPS representative that the CARES ACT does not authorize mortgage lenders or servicers to add on balloon payments at the end of a forbearance period. Again, I received no assistance but excuses. I also made note of the CARES ACT provision within my XX/XX/XXXX correspondence to SPS. 

SPS has no interest in helping struggling homeowners. I request that your organization hold them accountable for not providing solid solutions for homeowners during this COVID-19 crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX listed below has violated my civil rights. List of accounts that need to be removed asap : ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened : XXXX XXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 ) ( 1 ) 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. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX {$0.00}
Product: Mortgage

I purchased a tri-plex in XXXX. My first mortgage is with XXXX Mortgage and is in good standing. I have less than {$7000.00} left on this loan so I should be done with payments in XXXX. I took out a second ( home equity line of credit ) on the property of {$200000.00} in XXXX with Wells Fargo to help with expenses at my restaurant. When I closed the restaurant in XXXX, I got a one-year modification from Wells Fargo, reducing the payment in half. After the year was up, I was still unable to pay the full payment of {$1400.00} and re-applied for another modification with Wells Fargo which was denied. So I just continued to pay the original modification amount of {$710.00}. Wells Fargo accepted these monthly payments for the next seven years. I got a couple of letters from them regarding my delinquency and bankruptcy in XXXX and XXXX but they still continued to take my payments. I got paperwork the other day for the beginning foreclosure process. My complaint is, why did Wells Fargo continue to accept the partial payments for seven years knowing that they were going to forclose on the property?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022. Its been well over 30 days, I still have received anything back. 


According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to XXXX XXXX XXXX XXXX, Il XXXX. Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is XXXX I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$810.00} XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was scammed of {$350.00} after I received an email stating that in order for me to upgrade my XXXX account to a XXXX business account I had to send {$350.00} to a XXXX agent. The emails were structured as a XXXX email and the fraud/ scam artist was impersonating a XXXX  agent. 

Filed several times already and no one has been able to help me. I work hard for my money and I was scammed of {$350.00}. Money that could be going to my family and expecting baby. I filed this claim the day the incident happened so I don't know why the money wasn't stopped or retracted as soon as I sent it. Instead the process has been dragged XXXX months. Wells Fargo has a policy where the supposedly protect their customers from incidents such as this one, but they have done little to nothing to help me. This is the first time a situation such as this one happened to me and my own XXXX bank is unable to protect me from things like this. MY OWN XXXX  BANK IS UNABLE TO PROTECT ME FROM FRAUDS AND SCAMS.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused insignificant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I sent a check to citi bank and it got miss placed and it didn't get applied to my account the check nu isXXXX citi bank XXXXXXXX XXXX SD XXXX  XXXX the check is for XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I stayed at XXXX XXXX in XXXXXXXX XXXX - the room was {$330.00} and then {$100.00} deposit. I checked out on XX/XX/XXXX, no damages - hotel was {$330.00} total. I reached out to Cash App on XX/XX/XXXX as to why my account still was pending. They told me that if I provided them with a receipt that shows that my account was {$0.00} that they could release the funds. I sent them that, now it is now XX/XX/XXXX and my money has still not been released. I have emailed, texted, called, and they have no said they have 31 days to release my funds but I was never told this. I need help getting my {$100.00} back, I dont have the extra money to waste/lose. HELP!