23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  XXXX Account number : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX  Balance : {$500.00} XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$500.00}
Product: Money transfer, virtual currency, or money service

{$470.00} dollars was sent through ZELLE to my daughters XXXX XXXX account from my institutional bank XXXX. Zelle payment ID # XXXX. Although an email confirmation was sent from XXXX XXXX that money was sent to the account, it wasnt deposited because my daughter closed the account and once, she remembered to tell me on the sane day of transaction, we had no option to cancel transaction. We have jointly been on the phone with Zelle, XXXX XXXX & my institution to get resolution and for money to be returned only to be told by Zelle, we must go back to the bank & for the bank to tell us to go back to Zelle. Disputes was filled only to be told the bank have no number to reach a live person at Zelle
Product: Debt collection

I have filed a complaint on Contract Callers INC with CFPB, FTC, XXXX, Georgia Attorney General, XXXX  XXXX, all three major credit bureaus, Contract Callers Inc and the utilities commission and have not received a response yet. This debt was paid directly to XXXX  XXXX. CCI is reporting that debt was paid to grantor. That entry is preventing me from achieving financial goals in my personal life. I have never done business with this collection agency. I want the to delete the entry and remove my information from their data base immediately. This is the second time I have complained with the cfpb regarding Contract Callers Inc.
Product: Debt collection

I have never had a relationship with " XXXXXXXX XXXX '' yet there is an account showing as owed by me and being collected by Persolve Legal Group. 

I have attempted to speak with both XXXXXXXX XXXX and Persolve to determine where this account came from. XXXX can only tell me that it was " XXXX '', another company I've not heard of. Persolve has told me the debt would be removed as it was part of identity theft, yet to date, the account remains on my credit report.
Product: Credit reporting or other personal consumer reports

Where do I begin, I applied for a separate '' my Own '' Southwest Rewards Credit card because of the XXXX bonus points they were offering..I have worked my whole life and now retired since age XXXX, now XXXX, ,This has been going on since, XX/XX/year> or XXXX have called over 15 times, spent many hours on the phone, being verified by Chase then not verified and now they refuse to give me my own personal card. Today they asked me if to verify if I put in a credit card dispute with the existing card we have from them ( over XXXX yrs and an XXXX XXXX  ). I answered No and that was the wrong answer and they refused to talk with me. I answered honestly as my husband put in a {$16.00} dispute against XXXX. I have unfrozen my credit, several times, told ok. and this goes on and on. Please help I just want a credit card in my name, I am a retired XXXX XXXX, my husband retired law enforcement. Please straighten Chase out for us. Please Proffessional Courtesy!! 
Please make Chase accept me from what I am, even have US Passport I am XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX for over 37 years!! 
I feel I am being switched around so many times, nobody in Chase Bank has a clue Sincerely, XXXX XXXX Thank You for your HELP
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 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX XXXX XXXX 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all 3 bureaus including, XXXX XXXX.
Product: Credit card or prepaid card

OnXX/XX/XXXX a man called me and asked if I could send a box to XXXX I said I could and someone delivered it. On XX/XX/XXXX, he called again and we went thru the same process. I emailed him the receipts and asked him to sign, which he did. I also asked for a copy of his driver 's license and front and back of the credit card. Also done. On or around XX/XX/XXXX, I received notice that he was protesting, saying that the card was used fraudulently. I followed up with my processor and his bank, all to no avail. My account has been charged back $ 1,700+ and I paid XXXX another $ 1,200+ for the shipments. My card service rep told me that he has worked this scam all across the country. His credit card company is siding with him because he is a " Premier '' member. They are protecting a thief and I am really XXXX. I want and desperately need my money back. Chase will not talk to me since I am not the cardholder. They obviously know that this guy has done this dozens of times ( if not more ) and are protecting him. I have attached documents to support my claim. Chase needs to know that this is not OK. This is a Mastercard World Elite Merit 1 credit card. Please contact me if you need more information.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan for airfare on XXXX XXXX on XX/XX/2024. I was redirected to the Affirm website. Affirm redirected me to a page asking me to make a payment as a previous loan payment had been missed. The way the page read gave the impression if I paid the late payment first, my loan would be approved. I was not denied the loan at that time. As soon as I paid the missed payment, I was denied. Affirm knows they were wrong because they have now changed the entire process- now, if you apply and are behind, they immediately deny you instead of redirecting you to make a payment for an approval.
Product: Credit card

Back in XXXX of XXXX, I received an email from XXXXAmerican Express advising that for each additional cardholder that was added to my account, I would qualify for a 10,000-bonus mile credit up to 4 authorized users. I took advantage of the promotion, added the users to the account thru the link that was provided in the email. After the qualifications were met, I reached out to Amex in XXXX, XXXX, XXXX, XXXX, and each time I was told that the credits would post XXXX weeks after the qualifications had been met. The qualifications were met no longer than XX/XX/XXXX on XXXX, XXXX, and XXXX. I reached out to them on XX/XX/XXXX and was told I needed to request credit from XXXX, after reaching out to XXXX, I was advised that I needed to reach out to AMEX. Today on XX/XX/XXXX I was told that their research team said that despite the information provided by me, there was no promotion offered, despite me receiving one of the XXXX bonus miles for one of the additional users on XX/XX/XXXX to my sky-miles account with XXXX. I have tried to resolve this now with over ten hours of manpower, and still am being told XXXX weeks, however, according to XXXX, they do not see any promotion pending on their end. I am getting conflicting information ; I am owed still XXXX bonus miles for XXXX XXXX, XXXX XXXX, XXXX XXXX. It appears that the one credit for XXXX was credited for XXXX XXXX. During today 's interaction I was not given a case number with Amex by the specialist, I was given this verbiage. " I am afraid, case number is something an internal id, and we are unable to share it. However, you can keep chat id as reference : XXXX '' I was also told this by the specialist. I see that a case was opened for this, and our team updated that there was no such promotion available against the additional users. After reaching out to XXXX today, I requested to speak with a customer advocate Research Specialist, and the person that I am working with is not a customer advocate specialist, she keeps reiterating 8-12 weeks. The terms and conditions were met. Now I was just told that the promotion started in XX/XX/XXXX, despite, me receiving an email on XX/XX/XXXX and adding the users on XX/XX/XXXX. ( XXXX, XXXX, XXXX ). Each time I reach out, I am told something different. The only thing I can think of, is that when Fraud was reported under the old card number XXXX it invalidated the promotion that was on there.
Product: Vehicle loan or lease

Loan was for 72 months they are still saying I owe over a year of payments I have been paying consistently and I believe they are over charging my account for more than what was agreed. Loan taken in XX/XX/XXXX and my last payment should be XX/XX/XXXX but payment is showing it will not close until XX/XX/XXXX I want them to please look over payments and close my account XX/XX/XXXX that is the date of last payment due! They need to re-evaluate my payments made and look at whats been collected
Product: Money transfer, virtual currency, or money service

Commencing on or about the XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX  XXXX ( the Scammer ), XXXX : XXXX  ( the Scam Website ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. The equivalent of XXXX USD was transferred from my wallet utilizing Coinbase services
Product: Debt collection

My claim concerns Jefferson Capital Systems ( debt buyer ) attempting to collect on an account which is disputed by myself under general principles as outlined in the FCRA. 
I have disputed this account with XXXX, XXXX and XXXX, and the company stamps the dispute as having been deemed accurate days later, with no proof whatsoever, no investigation, no documents, nothing but the false statement that they have met the guidelines for accuracy in disputing as presented in the Fair Debt Collection Practices Act. 

Jefferson Capital Systems has violated my rights in this regard, and I wish for this agency to intervene and mediate this matter, make this complaint public so that others may learn from it and so that it becomes part of the public record against Jefferson Capital Systems violation of consumer rights. 

I authorize this agency to review all my credit bureaus, to verify the claims outlined, where multiple disputes have been presented, including date and time, and when they have been returned as accurate ( date and time ) without the requested information. 

Also, since I dispute this as not mine, I ask that this agency mediate the matter of mandating an investigation and removal of this error collection, so far as it is able under the law.
Product: Mortgage

I have prepared a document for the company in question, explaining to them that until they can provide evidence of an actual loan, true Business Records of debits and credits according to XXXX, and information showing to whom any monies collected will go, they can not enforce any collections actions. I was the unwitting victim of a mortgage securitization XXXX scheme, for which far more than the value of my mortgage with the original lender, is worth. They owe me compensation for forcing me to provide them the means to run this scheme, and that is far more than the value of the property they're trying to force me out of. The courts are, naturally, on the side of the banks, and have provided no relief, and have failed to force them to produce any evidence of a debt, or any records showing their claim that this mortgage is not already satisfied. I have proven over and over that the entity ( the trust into which the mortgage was securitized ) they claim they are collecting for is closed, and has been for years. I have proven this trust earned multiple times more than the value of the mortgages used in the securitization scheme, so it is obvious that SPS, as well as the prior servicer, XXXX, and the foreclosure mill law firm that has represented both, are seeking money from me for their own unjust enrichment -- profits, when there is no debt owed. 

The document lays out my evidence of the scheme, as well as provides all the negotiation documents requested by SPS that they continually ask me to resend. I have assembled them all into one document so there can be no further claims that I failed to produce anything they requested.
Product: Debt collection

I don't recall having a contractual relationship with this collection company CREDIT CONTROL SERVICE. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding Experian 's inaccurate reporting on my credit report. Specifically, Experian has listed a negative entry related to XXXX XXXX that is false and misleading. The report indicates that I owe a delinquent amount, despite the fact that the issue is still unresolved and under negotiation. 

This entry pertains to a vehicle that was stolen and subsequently towed by a company called XXXX. I am currently in the process of negotiating with my insurance company, XXXX XXXX, to resolve the matter and pay off the remaining amount owed. The claim is still open, and the situation has not yet been settled. Given this, it is premature and unjust for Experian to report this matter as if it were a closed or resolved debt. 

I have made several attempts to communicate with both XXXX and Experian to rectify this erroneous listing, but the issue remains unresolved. This inaccurate reporting has caused significant harm to my credit score and has created undue stress as I try to resolve the matter with my insurance company. I respectfully request that the Consumer Protection Bureau take action to have this false information removed from my credit report immediately. 

I would appreciate your assistance in ensuring that Experian and XXXX properly update my credit report to reflect the accurate status of this unresolved issue. I am prepared to provide documentation supporting my claim, including evidence of the ongoing negotiations with XXXX XXXX regarding the stolen vehicle. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Credit card or prepaid card

Most Wells Fargo credit card users also have a checking account with the bank. When they make payment from their personal checking account by transferring to their credit card, the fund is deducted from their checking account right away but doesn't post on the credit card right away. It can take up to 5 days to show payment on the credit card. This is done in purpose to charge interest on the credit card while holding the fund in the bank 's account for cash-flow. This should be illegal and unethical holding customer payment while charging interest for what is already paid. This has been happening for a very long time and hopefully there is a way to stop it. 
This happens only on personal credit cards, for business credit cards they actually process it right away because they know business owners understand cash-flow and interest charge.
Product: Mortgage

I am filing a second complaint with CFPB against NewRez dba Shellpoint because CFBP closed my first complaint XXXX while not one of my concerns were addressed by NewRez dba Shellpoint.

I am disappointed that CFPB would close my complaint without ANY rele
vant response from NewRez dba Shellpoint. 

Please see my first complaint filed with CFPB, complaint number noted above. 

In a nutshell : On XX/XX/XXXX, NewRez dba transferred a mortgage totaling {$380000.00} ( account number XXXX ) to me as the mortgage holder and owner of a property when I did not own the property and the first deed of trust loan was more than satisfied and paid off to a XXXX   balance. 

NewRez dba Shellpoint said in their response to my first complaint that there was a zero balance on the mortgage/loan under my name XX/XX/XXXX when the property was sold. I did not sell the property on that date because I was not the owner. Again, my loan had shown a zero balance XX/XX/XXXX. NewRez dba transferred the new loan to me in error. I was not the owner. 

I had received a XXXX, IRS form 1099A from XXXX, that I have submitted with this complaint that proves that the property was owned by XXXX XXXX XXXX XXXX  XXXX after XX/XX/XXXX. I filed that correct IRS form 1099A for XXXX with my XXXX federal and state taxes. 

To my horror, I received a XXXX IRS form 1098 in XX/XX/XXXX from NewRez dba Shellpoint (  NewRez had purchased XXXX ) showing me as the owner/mortgage holder. NewRez dba Shellpoint in their response to my first complaint CFPB XXXX that the IRS form XXXX, 1098 was sent to me by mistake and I should ignore. This is not acceptable. I can not and will not ignore the XXXX, 1098. I demand a corrected form showing my name with a XXXX amount in box 2 (  Outstanding Mortgage Principal ) and no date in box 3 ( Mortgage Origination Date ) and XXXX amount in box 10 ( Other, because I did not pay into an escrow account for property tax of {$2100.00} ) and no date in box 11 ( Mortgage Acquisition Date ). As the provider of the XXXX, IRS form 1098, NewRez must follow legal IRS procedure, send me a corrected form and can not not simply tell the me, the recipient and taxpayer, to " ignore '' the form. 
I have filed complaints against NewRez dba Shellpoint with the Attorneys General of Pennsylvania, California and South. Carolina.
Product: Mortgage

On XXXX/XXXX/2012, I sold my home via a cash sale. At the time Green Tree Servicing LLC ( XXXX XXXX XXXX was the mortgage holder ) discharged my mortgage after the sale was properly sold. The amount discharged was {$53000.00}, ( A XXXX Form was issued by Green Tree Servicing ). My credit report since 2012 reflected the cash sale with no amount outstanding or in arrears. Now comes Ditech Financial LLC from XXXX XXXX, SD and placed a balance of {$52000.00} on my credit report showing the amount is in arrears. It appears that Ditech Financial LLC bought the accounts from Green Tree Servicing or joing together. I became aware of this situation through my XXXX credit monitoring service, provided to Federal Employees. I want Ditech Financial to erase the amount it placed on my credit report, ASAP. This is damaging my credit now. Green Tree never placed the amount charged off as an amount in arrears.
Product: Mortgage

XXXX   XXXX     XXXX   XXXX   Customer Relations  XXXX   XXXX   XXXX   XXXX , Ga  XXXX  --  XXXX  DA :  XXXX   XXXX ,  XXXX   RE :  Requesting a Copy of My Full Mortgage Payment Account History/Including Interest Paid During Time of Loan (  XXXX   XXXX ,  XXXX  to  XXXX ,  XXXX  ) This letter comes to request a copy of my entire mortgage account payment history/file from the inception of my mortgage loan which was  XXXX   XXXX  to  XXXX   XXXX ,  XXXX . According to my records Ive paid a total of {$34000.00} during my loan with you. How much interest was paid toward my mortgage loan during that time.   XXXX   XXXX   XXXX   purchased the loan from y ou (   XXXX   XXXX   ) I must inform you that my name could  have been listed as  XXXX   XXXX .  XXXX  when transferred..     Please check your records under both names. Please send any contact and copy of information where mortgage documents were sent at the end of the loan with your company. I would assume that all information was sent to  XXXX    XXXX    XXXX , if everything was transferred to them at the end of the mortgage loan with  XXXX   XXXX   XXXX   XXXX   XXXX .     My Request and Concerns Are As Follow : Please provide original amount of loan financed Interest rate at time of loan Please include a copy of all signed documents Interest paid towards mortgage while you owned the mortgage loan Total of Monthly mortgage payments made while you owned the loan Ending Balance of mortgage loan owed when you transferred it or sold the mortgage loan.   Provide documentation of the year when mortgage loan should be paid in full according to your records.