23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

i have increase my credit score by 30 points also have been waiting several months for 5 inquiry to go off my credit score that did go off in XXXX after this started to get emails from XXXX and letters in mail from them saying pre approve for loan so i taught was in good shape so i apply got pre approve so submitted rest my info then got denied so this added another inquiry on credit i never would have apply if they made me think i would get approve by sending me email and letter right after my hard work getti g score up and waiting for inquires to go off just to turn around get one put right back on and score drop down few points again.. I would like for them to take the inquiry back off. if you dont have them do it i caint cause they will just say i apply which is true but not untill they started sending me emails and letters after i work to get score up and inquiry off
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the accuracy of the late payments with XXXXXXXX XXXX, with the results being the same. I called Equifax to provide documents that I received from XXXX. I was not able to upload the documents. I have spent hours trying to get to someone to assist me. The process is not designed to help consumers. Because of the improper reporting of this account I have been denied my mortgage loan which ha cost me money, stress and homelessness.
Product: Mortgage

On XXXX XXXX, 2016 a payment was mailed to LoanCare for my XXXX 2016 mortgage as well as a payment to the principal. This was clearly outlined on the payment form, which accompanied my check. The total amount ( principal and mortgage ) was deducted from my checking account on XXXX XXXX, 2016 however, LoanCare did not do apply any funds to my XXXX 2016 mortgage, instead all funds were applied to the principal. ON XXXX XXXX, 2016 I called customer service to have them correct this error but was told by Agent XXXX that I can not make payments in advance. After pointing out to her that nowhere in LoanCare 's notification communication or website nor in my mortgage agreement did it state that I would be penalized for early/advanced payments she placed me on hold to inquire with a Supervisor. She returned to the call to inform me that I can in fact make advance mortgage payments and as such she will submit a request for reversal for the amount to be applied to my mortgage. She stated that this request was to be completed by XXXX XXXX, 2016 and my online account would be updated to reflect this change. 

On XXXX XXXX, 2016 I checked my online statement and noticed that the reversal was not made. I called LoanCare, again, to inquire what was the status of the process. I was notified by Agent XXXX that the request would take " a few more days '' and there is nothing she can do at this point. I requested to speak with a Supervisor at which time she stated that no Supervisor was available and as such one would contact me by close of business on XXXX XXXX, 2016. No supervisor has contacted me since then. 

On XXXX XXXX, 2016 I called Customer Service to verify that the issue was rectified again to be told that the amount was not applied. Speaking with Agent XXXX she noted that nowhere on my file was it noted that I called LoanCare on XXXX XXXX, 2016. I requested again to speak with a Supervisor at which time she transferred me to a XXXX XXXX -- the call went straight to voicemail. I left a detailed voicemail message regarding this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act American Express account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 : states I have rights to privacy 15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose,
Product: Credit reporting 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. I told experian, XXXX XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
XXXX5 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Checking or savings account

Citizensbank. Opened an online account and deposited {$510.00} on XX/XX/XXXX. After several days, was unable to log into the online account. Called Citizensbank and was transferred to tech support, which took an hour to answer. At this point, I was told the account was closed and that I would be receiving a check for the initial {$510.00} deposit within 10 business days. After 10 business days had passed on XX/XX/XXXX, I still had not received the check. At this point, I called and was told the account was not closed but that the bank had chosen not to continue business with me but provided no reason. I was told once again a check would most likely be coming. I was given no specifics on when that check would arrive or tracking information or anything. I was then told I would again not be able to get online access to simply withdraw my own money.
Product: Credit card

I made a payment at the beginning of the year to pay the account balance in Full, the company asked me to verify that it was my account, which I did attempt to do, The account was in my name from which the payment was made, the funds were from my tax return. They rejected the payment, closed my account, charged me numerous late fee 's. Damaging my credit. I am asking that this account be removed from my credit file due to the damage that this has caused.
Product: Debt collection

I.C. Systems has called repeatedly. I told them I couldn't pay the debt and they would have to wait until tax time ( I actually do pay medical bills with my tax refund ). Since then, they have been flagging my account with the same bill over and over again. I have gotten several notifications from XXXX about I.C. Systems flagging my account. My credit score has went down XXXX points because I.C. Systems keeps reporting the same bill over and over again. They have reported it 4 times in the month of XX/XX/2021.
Product: Debt collection

I am writing to file a complaint against Tenaglia & Hunt, P.A. for engaging in practices that I believe constitute serious violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I also request that, as part of the resolution, damages be awarded for the harassment and distress I have experienced due to these violations. Below are the details of my complaint. I previously owed a debt to XXXX XXXX. This debt has been canceled, as evidenced by the Form 1099-C filed with the Internal Revenue Service . On XX/XX/XXXX, I was contacted by Tenaglia & Hunt, P.A. They represented themselves as a debt collector attempting to collect the canceled debt and further indicated that they were acting in the capacity of an attorney on behalf of XXXXXXXX XXXX They initiated legal action under case number XXXX. I contend that this communication constitutes a violation of the FDCPA for the following reasons : Misrepresentation of Attorney Status : Under 15 U.S.C. 1692e ( 3 ), a debt collector is prohibited from falsely representing or implying that they are an attorney if they are not. By presenting themselves as legal counsel and pursuing legal action on a canceled debt, Tenaglia & Hunt, P.A. has misrepresented its authority. Threats of Unauthorized Legal Action : The FDCPA, under 15 U.S.C. 1692e ( 5 ), prohibits a debt collector from threatening legal action that they do not intend or are not legally entitled to take. Initiating legal proceedings for a debt that has been canceled is a clear violation of this provision. Harassment and Emotional Distress : The actions of Tenaglia & Hunt, P.A. have not only been deceptive but have also caused significant harassment, emotional distress, and other harms. These actions warrant the awarding of damages for the distress and inconvenience experienced. The conduct of Tenaglia & Hunt, P.A. appears to violate key provisions of the FDCPA : 15 U.S.C. 1692e ( 3 ) : Prohibits the false representation of ones status or affiliation, including falsely claiming to be an attorney. 
15 U.S.C. 1692e ( 5 ) : Prohibits the use of misleading statements about the initiation of legal action. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the Supreme Court affirmed that the FDCPA is a valid exercise of Congresss power to regulate interstate commerce, confirming that its protections extend fully to actions taken by debt collectors, including those acting as attorneys. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) further supports the principle that consumers may recover statutory and actual damages when relying on misleading representations made by debt collectors or their representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX an auto loan through Wells Fargo was opened in the amount of XXXX dollars. I was in a rehabilitation center until XXXX/XXXX/XXXX and can provide documentation to prove this auto loan was by no means financed in my name or by me at all. It is a joint account, installment for 72 months and shows paid in full XXXX/XXXX/XXXX. Wells Fargo sent me an email yesterday XXXX/XXXX/XXXX stating millions of dollars have been allotted for individuals that have had an account opened in their name but was in fact fraud or identity related. I have not contacted the company due to it being paid off however with this alarming email from Wells Fargo I want it resolved in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 



The following items need to be removed and blocked as they are fraudulent. 



XXXX. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Debt collection

Mr. XXXX XXXX, in a letter dated XX/XX/2021, created the impression as an agent acting on behalf of the Ohio Attorney General and as a practicing attorney in the state of New York. Mr. XXXX also created the impression that a default judgment would be made against me by the state of Ohio, if I do not contact him. Mr. XXXX made clear he would use any information I provide against me, if I contact him. 
Most importantly, I never owed such debt, never used the name appearing in the letter, never was associated with any person with the name appearing in the letter, and never, in any manner, was associated with XXXX XXXX. 
Mr. XXXX predatory practice is chilling. It is particularly onerous when targeting minority communities, members of which are often immigrants and are unfamiliar with the American legal system and their rights. 
I hope the agency will take action to protect vulnerable communities. I am outraged because I can imagine an old XXXX immigrant lady in XXXX XXXX receiving such a letter. It would deeply worry her and she may settle to pay a debt she never owes.
Product: Mortgage

Our firm, XXXX XXXX, XXXX, has been monitoring our client 's request for mortgage assistance to Shellpoint to ensure Shellpoint 's compliance with Regulation X. We sent Shellpoint our client 's complete Request for Mortgage Assistance Application via facsimile on XXXX XXXX, 2016. Additionally, a hard copy of the application and supporting documents were mailed via certified mail [ Tracking No. : XXXX XXXX XXXX XXXX XXXX ] to the address designated by Shellpoint for Loss Mitigation applications on XXXX XXXX, 2016. According to the U.S. Postal Service, Shellpoint received the hard copy application and documents on XXXX XXXX, 2016. At both the time the application was sent by us and received by Shellpoint, there was no foreclosure sale date scheduled for the property. Accordingly, the application was received more than 45 days before a scheduled sale date. Moreover, we sent a Request for Information ( " RFI '' ) to the address designated by Shellpoint on its website for such correspondence on XXXX XXXX, 2016 asking Shellpoint to determine whether the application submitted was complete or incomplete and to provide a list of any documents missing if any. 
Despite being required to send written acknowledgement of a complete or incomplete package after receipt and to respond to the Borrower 's RFI under Regulation X, Shellpoint has failed do either. As of the date of this complaint, Shellpoint has failed to send any written acknowledgement of the Borrower 's application or any written response to the Borrower 's RFI as is required under Regulation X. Due to its failure to acknowledge our client 's application package, we subsequently sent Shellpoint a Notice of Error ( " NOE '' ) on XXXX XXXX, 2016. As of the date of this complaint, we have not received any written acknowledgement or response to our NOE either. Even more unnerving than Shellpoint 's failure to acknowledge receiving the Borrower 's application is its blatant disregard for its responsibility to take any steps available to stay foreclosure proceedings as it completes the review of the application. 
While it is well settled that servicers shall instruct their counsel to take any necessary action ( s ) available to stay a pending foreclosure proceeding as a review is completed, Shellpoint has clearly failed to do. Instead, its counsel has pushed forward with the foreclosure against our client and insisted the trial go on as scheduled for XXXX XXXX, 2016. We put both Shellpoint and its counsel on notice of its failure to take any action to stay the proceeding due to the application review by sending an additional NOE to Shellpoint and handing its counsel a copy in open court. Notwithstanding the foregoing, Shellpoint 's counsel continues to insist we move forward with the trial, which is set to continue every day for the next few weeks. We believe Shellpoint is blatantly disregarding its responsibilities owed to our client pursuant to Regulation X and is brazenly engaging in the prohibited practice of dual-tracking each and every day that the trial proceeds while the review of our client 's loss mitigation application is still pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please DELETE these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$0.00} XXXXXXXX XXXX XXXX BALANCED {$0.00} XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that XXXXXXXX XXXX Account number XXXX is reporting late payments incorrectly XX/XX/XXXX 30 days late. XX/XX/XXXX are XX/XX/XXXX both being reported 30 days late. 

How can I be 30 days late all 3 months it is the credit bureau responsible to report complete and accurate information. Please update this account. I have attached my credit report as proof. I have also included a copy of my ID and social as proof of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my personal information to open accounts in my name without my knowledge, I have reached out before and Im reaching out again with attached information to have this removed from my credit report.
Product: Checking or savings account

I was with NFCU for years and I got fees thinking I had funds available then would spend it later to find out they were never there.
Product: Money transfer, virtual currency, or money service

I filed a complaint with the CFPB on XX/XX/2023 ( Complaint # XXXX ), the Company response XXXX was that they released the funds for me to withdrawal. In fact they have not, I have tried for the last 4 days to withdraw and they continue to hold the funds.
Product: Credit card

On XX/XX/XXXX I placed an order from Nordstrom XXXX  using my Nordstrom credit card for three items : underwear, a jacket and pants. It shows on my statement as two charges XXXX and XXXX. When the items arrived, I received the underwear but instead of pants and a jacket I received a pair of men 's sneakers and kids ' sneakers. When I called, I was told they had to charge me again for the jacket and the pants in order for them to ship and they would credit me for the incorrect order. On XX/XX/XXXX they issued the credit for the incorrect items in the amount of {$120.00}. When I received the jack and pants I didn't like them, so I returned them in the same box Shipped with USPS Tracking # XXXX showing received in XXXX, PA on XX/XX/XXXX at XXXX. I have been calling since then to see why the credit has not been issued to my account for the jacket and pants I didn't return. I have had more conversations that I can count with both Nordstrom Card Services and Nordstrom XXXX  and they said they would fix it but the credit would never appear on my account. The last communication Nordstrom Card Services said they do not know why Nordstrom XXXX  refused to issue the credit even though I have provided both Nordstrom XXXX  and Nordstrom Credit Services evidence the tracking number for the returned items I did not like.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried contacting XXXX, experian, and XXXX various times within the past year challenging the 100 % accurate reporting of this charged off account being reported on my credit report ... each time they say that it is verified as accurate ... .how so? they are violating my consumer rights high credits do not match per bureau XXXX is reporting {$3900.00} experian is reporting {$3900.00} XXXX is reporting {$3500.00} dates of last active do not match per bureau XXXX is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX dates of last payment do not match per bureau XXXX is reporting XX/XX/XXXX experian is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and if you look at the 2 year payment history they are reporting XX/XX/XXXX
Product: Credit reporting 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. 

Account Name : SUNRISECRED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

Debt that is more than XXXX years old was added to my credit repor t as a new collection account. It it on all 3 credit reporting agencies. Equifax, XXXX  and XXXX. They published the information after the debt recovery company assured me it could/would not go on my report. This bogus collection account dropped my score 24 pts in one day. The credit reporting agencies are very lax when it comes to negative marks and don't properly investigate the debt and the time of the account. It will take more than 30 days to get this off and in the meantime my trustworthiness takes a fatal hit in these hard economic times!