23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our 2nd mortgage was transferred to Shellpoint at the beginning of XXXX, 2020. I sent in a check payment to the address provided. The check was cashed by Shellpoint but not credited to our account. It took over two months to rectify this error. I made two payments in XXXX just to be sure that we would not be 'late ' on our payment. In the meantime, in early XXXX, we received a letter stating that we would be put in the 'Forbearance Program ' unless we responded. We did respond by phone and were sent a letter stating that we had declined the program on XX/XX/XXXX ( see attached ) and that they had fixed the payment recording error. I thought that would be the end of it. In XXXX, we attempted to refinance our mortgage, only to find that we had been placed into forbearance without our consent, and this had been reported on my husband 's credit report. We have called multiple times this past month and are also having IT issues and can not access our Shellpoint account. IT reached out after two weeks but we missed the call. After a month, we have yet to receive a letter stating the error and nothing has been corrected on our credit report.
Product: Credit reporting or other personal consumer reports

THERE IS A XXXX ACCOUNT ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE TO BE OPEN USING MY PERSONAL INFORMATION AND I BELIEVE THIS IS A CASE OF IDENTITY THEFT. I WOULD LIKE THIS ACCOUNT REMOVED FROM MY CREDIT REPORTS IMMEDIATELY AS THESE NEGATIVE REMARKS ARE HINDERING ME FROM OBTAINING NEW LINES OF CREDIT. ALSO THERE ARE 3 HARD INQUIRIES THAT I DID NOT INQUIRE XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX ( Finance ) XX/XX/2023 I NEED THESE ISSUE HANDLED PROMPLTY PLEASE TO AVOID LEGAL ACTION
Product: Vehicle loan or lease

I bought a vehicle from XXXX XXXX in XXXX XXXX. I was approved for financing by Four sight capital LLC & they insisted that I must have gap Insurance besides my insurance to cover the balance incase my car was totaled & my insurance didn't pay the full amount owed. I bought this car on XX/XX/XXXX XXXX. On XX/XX/XXXX ( XXXX months ) after I bought the car it was involved in an accident. My insurance company paid the actual value of the car & the gap insurance was supposed to pay the balance. I contacted Foursight Capital and they told me they working with the gap insurance to get the other balance paid only to be told later that gap insurance didn't cover the whole amount. After back & fourth for years & after they reported my account delinquent to credit bureaus I demanded to see a copy of the gap insurance I had paid for {$800.00}. I was shocked to see that the gap certificate issued had a forged signature. It is my belief that this was fraud on most likely that's why they didn't cover the remaining amount. I'm attaching this proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX To Equifax To Whom It XXXX Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 

XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX VIOLATION I DID NOT GIVE PERMISSION TO SEND OUT MY INFORMATION TO A THIRD PARTY MEDICAL Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1692g. Validation of debts XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputedaccuracy XXXX XXXX XXXX Account Number : XXXX DELETE FROM MY CREDIT REPORT XXXX. Under 15 U.S.C 1681c-2-block of information resulting from identity theft. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 bureaus AND the creditor continue to report an account that has passed its 7 year stale date. The bureaus are illegally using " dispute '' dates to correct info that's wrong to add to the last reported or last payment dates, in an effort to favor the creditor to keep the accounts on my reports for longer than the 7 year time frame for negative debt. I have not had any contact with this creditor in 7 years. There's been no activity or movement on it. Therefore it expired in XXXX oXXXX XXXX  along with the creditor they acquired XXXX. 

It's months past time to remove both! If they are not removed promptly by all, I will not hesitate to sue the bureaus for inaccurately keeping info on my report, and adding incorrect dates in an effort to favor the creditor. The creditor doesn't care they'll go along with whatever the bureaus decide but if these 2 accounts are not removed with this dispute I will file suit against all 3 bureaus and the creditor if I have to include them for allowing the inaccurate info to remain on my credit. This is your only chance to remove both accounts. If they are not then I will see you in court.
Product: Money transfer, virtual currency, or money service

Prior to Coinbase notifying customers that their merchant code changed such that credit card purchases would be coded as cash advances, they continued to represent that credit card purchases would not be treated as cash advances. Despite this, they have refused to refund cash advance fees charged by credit card companies from the time that such purchases were treated as cash advances until they gave proper notification of their merchant code had changed.
Product: Consumer Loan

I leased a Mercedes Benz ML-350 through Mercedes Benz Financial Services ( MBFS ). We also enrolled in the Mercedes Benz mbrace service for safety & security, which cost over {$300.00} per year for enrollment. The lease expired and the car was returned in XXXX 2014 and at that time, I explicitly ask if there were any more obligations at the dealer to which the vehicle was returned. On XXXX XXXX, 2014, I was charged {$310.00} to my XXXX XXXX in an automatic renewal for a vehicle that I clearly no longer leased. Mercedes only reimbursed {$260.00} as they claim the service was being used from the start of the year to when the charge on my credit card statement was discovered. How can Mercedes charge for a service on a vehicle that I clearly no longer had?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying unsuccessfully for over a week to obtain the payoff amount for my mortgage I have with planet home lending to no avail. I have submitted proper request and called them today to be treated rudely and talked down to. I have never missed or been late on any payments. Was told my information was inaccurate only to be reviewed by a supervisor and he seemed it was correct still no assistance.
Product: Credit card

Over XXXX months ago, I submitted a fraud claim to Bank of America ( BoA ) regarding my credit card. Since my card was about to expire, BoA sent a new physical card to my address without notifying me, but I never received it. On XX/XX/XXXX, BoA suddenly sent me a text message asking if I had made a transaction at XXXX, as they suspected fraudulent activity ( details are in the screenshot I submitted ). I was at home working at the time and had my physical credit card with me. I checked the account and figured out there are more than {$400.00} charges in my account which is not made by myself. I immediately locked my card to prevent further unauthorized charges and submitted a fraud claim to BoA on the same day. Customer service confirmed that the fraudulent charges were made using the new card they had sent. After I submitted the claim, BoA temporarily refunded the fraudulent charges. 

However, XXXX months later, BoA informed me that my fraud claim was denied because the transactions occurred near locations where I typically make purchases. Ive never shopped at those stores, and I believe the person who stole my card made those transactions in the XXXX area immediately after stealing it. I think BoA did not conduct a proper investigation before denying my claim, and they have now recharged the fraudulent transactions to my account. ( Please see more details in the attached denied notice from BoA )
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX account XXXX
Product: Credit card

I have a credit card with XXXX XXXX Citibank XXXX which I have not used in many years. I recently checked my credit and they had applied {$10.00} to my account reflecting it was over 60 days. I did not receive anything to even let me know I owed them. I telephoned them and was told there was nothing they could do. They had tried to contact me on an email address I have n't had for several years. There was no effort to contact me by mail until yesterday when I received an alert ( after the fact ). This incident dinged by credit for XXXX points. After talking to them it seems the charge was for having an account. I feel it is very unfair to report an over XXXX when the consumer was not even made aware. Like I mentioned, that card has not been used for years. I went ahead and paid the {$10.00} that they were claiming I owed. However, I feel the fair and right thing to do is to remove that from my credit report.
Product: Vehicle loan or lease

I have already sent a complaint to CFPB on XXXX XXXX XXXX now someone at XXXX credit are trying to repossess my paid for truck yes it paid in full and I don't have my title because they are saying I owe more money and interest don't understand why I owe interest when I paid all my late fees when I was late every month and I paid all the advances back I think someone inside of XXXX credit is using XXXX credit name to steal within their offices so I have hired someone to audit my contract and take a look because I don't understand what's going on
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 : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my report shows wrong address, wrong accounts, wrong ss, wrong dob. Wrong personal info.
Product: Mortgage

I cancelled my hazard insurance with XXXX effective XX/XX/XXXX and started a policy with XXXX effective XX/XX/XXXX believing it would be a smooth transition. 

I received a letter on XX/XX/XXXX from Mr. Cooper informing me they had not received documentation on the new policy. The same day I uploaded the documentation from XXXX. 

After multiple phone calls I am still being threatened with paying for 3rd party coverage on XX/XX/XXXX and XX/XX/XXXX even after they have received and processed my documentation. They do not dispute that I had coverage on XX/XX/XXXX and for part of the day on XX/XX/XXXX. 

In short, they are continously threatening me in writing with adding coverage for XX/XX/XXXX on my home despite acknowledging valid and acceptable coverage was on the house.
Product: Debt collection

I am a CONSUMER and Jpay is collecting a debt that has not been verified. They are and have violated and discriminated against me. False and misleading. 15 USC 1692A and 1692E ....! 9 USC 1520
Product: Debt collection

On XX/XX/year>, I received a call from XXXX advising me to call XXXX and to provide XXXX XXXX # XXXX. When I called, I was told someone attempted to serve me paperwork but no one was home. At this I am thinking this is in reference to something else. Something told me to look up the phone number I called and I saw information about it being a scam. I called the number that initially called me and asked what it was about. I was told it was for a Discover credit card with at $ XXXX balance and there was a civil suit against me. This debt is at least 20 years old. I have since gotten married and they were still using my maiden name and were attempting to get my new address. I wish I had googled the phone number before I called. Something told me afterward to look it up because they really didn't give me any information.
Product: Debt collection

I kindly requested LVNV Funding LLC. through XXXX XXXX XXXX stop communication and to Cease and Desist of continuing of doing do, harassing, using profane language, false misrepresentation, use of threatful and deceitful allegations that I owe them any money. LVNV Funding LLC. has done nothing but harm, damage and distress me and my reputation by reporting illegal accounts without my written consent, way worse by illegally creating such since I have never and theres no proof that I have ever inquired their company services for any type of service. LVNV Funding LLC. its violating my federally protected rights and my request to stop doing so, effective immediately. If this account continues reporting on any of my consumer reports without my consent and failed to provide proof of our contract, proper receipt documentation or contract stating that you own, are authorized or illegally bought this alleged account, Ill have no option but pursuing this matter in the legal field and seek for monetary relief for every month that this company has willfully no comply with the law by illegally furnished an account that doesnt exist, for identity theft, for sharing private information with third party companies without my written consent, harassed with unauthorized illegal communication, harm and damage my reputation per 15 U.S. Code 1681n.
Product: Mortgage

I lost my job due to lack of work. Its taken everything I got to feed my kids and keep the lights on. I 'm only 15days late on my mortgage with 21st mortgage corporation. I tried calling and talking to my financial counselor XXXX XXXX to see if he could give me until XXXX/XXXX/2015 to make payment in full. I began to tell him my situation he replied " so your going to risk the roof over your children 's head by not making this payment today in full. '' I was spoken to very rudely then hung up on. I tried to call directly back XXXX times never got him back on the phone I had to speak to someone else which only told me to sell whatever I could to make this payment or did I know a few people to borrow money from. because they will give me no other option other than pay it in full or its out of there hands after today. I offered to pay {$250.00} today and the rest on the XXXX but they refused to accept it. and told me if I did n't pay it in full by XXXX eastern time today that they would move forward with foreclosure process.
Product: Checking or savings account

My identity was stolen as well as well as my bank accounts. my account was closed and hard pulls we made on my credit.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint Regarding Reappearance of Bankruptcy on Credit Report I am writing to lodge a formal complaint regarding a recent issue with my credit report that has caused significant distress and financial inconvenience. Despite having successfully declared bankruptcy in 2021 and subsequently having derogatory information related to a mortgage company 's erroneous report removed after intervention by XXXX, I am dismayed to find that XXXX has re-reported the same bankruptcy status. 

This re-reporting is not only unjustified but also illegal under consumer protection laws. The mortgage company responsible for the initial error has already acknowledged and corrected their mistake, yet I am now unfairly burdened with the consequences of this reappearing bankruptcy on my credit report. This situation is causing undue hardship as it affects my financial credibility and potentially undermines my ongoing financial commitments. 

I request immediate action to rectify this error and remove the erroneous bankruptcy status from my credit report without delay. I urge XXXX to investigate this matter thoroughly and take swift corrective measures as required by law. Additionally, I request confirmation in writing once the correction has been made and assurance that such errors will not recur in the future. 

Please acknowledge receipt of this complaint promptly and provide a timeline for resolution. I look forward to your swift action in rectifying this serious matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a judgement and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per one of the govt sites i 've been to. thank you for taking the time to hear me go on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit Bureau stated my accounts were properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal and they also 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 instruction.

Attach is first letter I sent stating this
Product: Credit reporting or other personal consumer reports

I did a loan consolidation in which I paid my loans off for Navient I asked XXXX if they would please update my loan balance on my credit report and they refused please see the statements attached can you please require them to update my credit report with the right balances asap since they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/WELLS FARGO and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/WELLS FARGO and XXXX XXXX with no successful resolution. XXXX, XXXX, XXXX  reporting me late. There was definitely an error on their part. I was never 60 days late ( XX/XX/XXXX, XX/XX/XXXX ) and I was never 90 days late ( XX/XX/XXXX )
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX I went to the WELLS FARGO ATM in XXXX XXXX in XXXX XXXX to deposit a check from a friend, who by the way sends me a check every month same dates, give or take ( between the XXXX and XXXX ) and always for {$100.00}. Well, this time the ATM machine ate my check and gave me no receipt or any kind of validation of deposit. I called asap to report this and it's been all this time with NO updates and no one on the phone can give me any information. I've called several times. Today is XX/XX/XXXX and still NO money and it says in my account " CASE CLOSED '' what does that mean?? I want my money, it was a faulty ATM, not my error. 

Also my unemployment benefit money that I always receive 1 or 2 days after I submit my claim has not yet been posted. I filed on Thursday XX/XX/XXXX and it usually shows up the next day. It is in the amount of {$260.00}. This is unfair and I am so in need of money. I do not know what's going on, but I feel like they do not care. I am in desperate need of those funds. NO ONE IS ANSWERING MY QUESTIONS.....
Product: Mortgage

In XXXX we received an email that our loan was purchased by LoanCare. The end of XXXX we received another form email that the transfer was complete. However we never received any USPS mail with account specific information. 

I mailed our check and added a note that we did not receive info about our account and could they please mail us account information. Additionally I explained we do not receive mail at the physical address so please send the our PO Box ( the address was supplied ) In XXXX same thing. No mail so I sent the payment and a letter. Again please send to PO Box . 

Today we were served a threatening letter that they were going to foreclose on us and we were behind on payments. We have never missed a payment and have tried over and over to obtain information about our loan. 

Please help us get our account information On a note this is the 3rd company this year to have our mortgage and this is the only company who will not mail us a statement.
Product: Checking or savings account

I am trying to link my account with the APP XXXX to allow me to invest small change from purchases but PNC is not allowing this connection