23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/year> I made a typographical error in making my payment to my Amazon XXXX XXXX, which is issued by Synchrony. This resulted in a very large overpayment. The payment amount was {$59000.00}. 

On XX/XX/year>, my bank, XXXX XXXX, reversed the payment. 

On XX/XX/year> I made a payment in the amount of {$3000.00} to cover my statement balance since my bank had reversed the prior payment. 

Also, on XX/XX/year> unknown to me, XXXX XXXX  reissued the original payment of {$59000.00}. All of this resulted in a credit of {$58000.00}. I contacted Synchrony asking for a credit refund. They said I should get it in 7-10 business days. 

On XX/XX/year>, instead of receiving my refund as indicated, I received a letter stating Synchrony needed proof that the money came from my bank account. I provided documentation from my bank that the money had indeed been sent from my account. Once again, I asked for a credit refund. 

On XX/XX/year>, I had still not received my refund of {$58000.00}. I contacted Synchrony. I messaged with XXXX XXXX, who also enlisted the help of his supervisor. He acknowledged they received my proof of payment. I was told by XXXX XXXX a credit refund would be expedited and I should receive it quicker than the normal 7-10 business day. 

On XX/XX/year> I have still not received my refund of {$58000.00}. I called Synchrony again. I spoke with XXXX. She informed me that a refund check still has not been issued. She claimed that it had to be reported to the XXXX due to the size of the refund. She stated the money would not be refunded until XX/XX/year> or XX/XX/year>, and then it would still take 7-10 days for me to receive it. 

I'm not saying Synchrony is refusing to refund my credit of {$58000.00}, but they are also not making a real attempt at refunding my credit. They have had weeks to report my refund to the XXXX. Can someone please assist me get back the {$58000.00} that Synchrony has been holding hostage.
Product: Checking or savings account

The bank dispersed unauthorized funds In the amount of {$100000.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my report. Please note I am a junior. They are affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND TRANSUNION ARE posting unauthorized inquires to my credit report : XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/ XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX/XX/XX/XXXX/ XX/XX/XXXX/ XXXX/XXXX  XX/XX/XXXX/ XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX THE FOLLOWING ADDRESS IS NOT MINE I NEVER LIVED HERE : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX THE FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX   ACCOUNT # 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 card

Today XX/XX/year>, American Express closed all my accounts which had membership rewards points, without my consent or giving me a specific reason. 

My account was in good standing and did not have any outstanding balances that were overdue. 

I feel misled to spend on the cards to earn points for them to close the account before I could use them.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITALONE collection is not my account. I have never applied nor authorized anyone to apply on my behalf for any CapitalOne account. I have never incurred nor authorized any charges to a CapitalOne account. I have NEVER had a Captial One credit card. Please remove this erroneous information from my Credit Reports immediately.
Product: Debt collection

NewRez LLC XXXX Shellpoint assessed a predatory late fee of {$64.00} as it failed to and continues to fail to comply with FHFA regulations dated XX/XX/2023 and failed to exclude the cumulative cap on disaster payment deferral or a COVID-19 payment deferral when NewRez LLC / Shellpoint is aware that as per FHFA regulations the cumulative cap does not apply to disaster payment deferral or a COVID-19 payment deferral. 

( See attached exhibit A and B ). 


Simply stated the prior Covid 19 payment deferments are NOT included in cumulative cap and can NOT be used as a basis for denying the current 3 months deferment request. 

NewRez LLC/ Shellpoint does the OPPOSITE. NewRez LLC/Shellpoint uses a prior Covid 19 payment deferment as a basis for denying the current 3 months request. 

I have not used any of the FHFA allowed to be deferred 6 months of payments based on XX/XX/XXXX FHFA guidelines. 
FHFA regulations specifically exclude prior Covid 19 issued deferments as a basis for which NewRez Shellpoint can deny the current 3 months deferment request. 

There is NO CAP that Shellpoint can rely on to to justify their refusal to provide a current payment deferment because cumulative cap does not apply to disaster payment deferral or a COVID-19 payment deferral. 

NewRez LLC/ Shellpoint simply ignore the fact that the previous 21 months Covid -19 deferment as a result of XXXX XXXX XXXXXXXX shut downs which had occured as a result of nationwide disaster and Gov. XXXX executive Orders related to NYC shut downs and shelter in place and Covid 19 deferment can NOT be used as a basis for You have exhausted the maximum amount of allowed deferred payments ; therefore, the loan does not qualify for an additional 3-month deferral due to COVID-19. ( Verbatim from Shellpoints letter dated XX/XX/2023 ). 


NewRez LLC / Shellpoint continues to operate in direct violation of federal regulations despite of their full knowledge of the exclusion of the cumulative cap on disaster payment deferral or a COVID-19 payment deferral. 

This is a second formal request for NewRez LLC / Shellpoint to further elaborate on to why NewRez LLC / Shellpoint continues to fail to exclude the cumulative cap on disaster payment deferral or a COVID-19 payment deferral when NewRez LLC / Shellpoint is aware that as per FHFA regulations the cumulative cap does not apply to disaster payment deferral or a COVID-19 payment deferral. 

This is equally a formal request for NewRez LLC / Shellpoint to remove a predatory late fee of {$64.00} as NewRez LLC / Shellpoint continues to fail to exclude the cumulative cap on disaster payment deferral or a COVID-19 payment deferral when NewRez LLC / Shellpoint is aware that as per FHFA regulations the cumulative cap does not apply to disaster payment deferral or a COVID-19 payment deferral. 


Encl : FHFA regulations exhibit A and B.
Product: Credit card

Please review the enclosed documents, and I request that the bureau initiates an inquiry into these accounts where I have consistently been on time with payments, yet they are inaccurately reporting me as late.
Product: Debt collection

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$0.00} / XX/XX/2019
Product: Credit reporting or other personal consumer reports

I am filing this report to document the unauthorized use of my personal information and identity, which has resulted in accounts being accessed, created, or reported to credit reporting agencies without my knowledge or consent. These activities violate my rights under federal laws, including the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). 

Upon reviewing my credit report, I discovered multiple accounts that I did not authorize, or permit to be reported. These accounts are fraudulent and represent misuse of my personal information. 
Incident Details 1. XXXX XXXX XXXX Account Type : Factoring Company Account Original Creditor : XXXX  Amount Due : {$690.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Type : Factoring Companys Account Original Creditor : XXXX XXXX XXXX  XXXX. 
Amount Due : {$630.00} Status : Placed for Collection Estimated Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Type : Collection Agency/Attorney Original Creditor : XXXX XXXX  High Balance : {$260.00} Amount Due : {$2300.00} Status : Placed for Collection Date Closed : XX/XX/XXXX Estimated Removal Date : XXXX/XXXX Nature of the Fraud These accounts were not authorized by me. I did not provide my consent for my personal information to be accessed, shared, or reported to any credit bureaus or third parties. 

The unauthorized reporting of these accounts constitutes identity theft and illegal use of my personal information, as prohibited under : 1. 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Unauthorized sharing of personal information without explicit consent.

2. 15 U.S.C. 1681b ( Fair Credit Reporting Act ) Lack of permissible purpose to access or report my data.

3. 15 U.S.C. 1681e ( b ) ( FCRA ) Requirement to ensure accuracy and verification of reported data. 

Impact of XXXX The unauthorized accounts have : Negatively impacted my credit report and credit score. 
Resulted in financial harm and reputational risk. 

these accounts have damaged my creditworthiness and caused undue stress.and stoping me from becoming homeowner Action Requested I am requesting that this report officially document the unauthorized use of my identity and personal information. This report will be submitted to : Credit reporting agencies ( XXXX, Equifax, and XXXX ) as evidence to remove these fraudulent accounts. 
Relevant federal agencies such as the FTC and CFPB, if necessary.
Product: Checking or savings account

On XXXX XXXX I went into the Financial Corporation to have my Security agreement stamped with a Medallion Signature Guarantee along with and instrument irrevocable international bill of exchange for promise to pay in the amount of {$500000.00} REDEEMABLE IN LAWFUL CURRENCY OF EXCHANGE ( 12 USC 411 ). As a Creditor of XXXX XXXX XXXX. I was denied receiving my information processed by Branch Leader XXXX XXXX as she stated she needed to send this information to her upper authority to await their response. After what time the financial institution sent a notice of closure via email advising me the accounts, I have with them would be closed indefinitely and that I have 7 calendar days to remove all my funds and close the accounts.

And if I fail to do so they would automatically close the accounts. I did reach out to the Branch Leader XXXX XXXX a banker picked up the phone and told me to hold the line while she gets her on the phone, the phone call was discounted, and I did not get her to communicate with me why this financial institution would be closing my account. If I had to guess its probably because I also advise her, I would be submitting her with all my documentation as it regards to the accounts for example Durable Power of Attorney, FDIC Declaration for Power of Attorney, and UCC financing statement as it pertains to the DEBTOR XXXX XXXX XXXX. 

I also called the bank to get a clear and cut reason why the institution would be closing my accounts the phone call was drop but I did receive a return call from XXXX the phone number XXXX ( XXXX ) XXXX XXXX and the supervisor advise my she don't see nothing on my account as it pertains to my account being closed, I then told her I do intend reporting this case to the XXXX and request them the send it to the SEC XXXX Moreover, I did demand an ownership release letter stating I XXXXXXXX XXXX XXXXXXXX XXXX the true owner and living person to receive all my shares from the security agreement with the XXXX  # XXXX to be deposited into my XXXX account. I also sent this information Registered Mail to the responsible parties below. 

XXXX XXXX  ( XXXX XXXX XXXX XXXX ) ICO XXXX XXXX PER THE SEC 10K AND 8K FILEING & INDENTURE TRUSTEE XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ICO XXXX XXXX PER THE SEC 10K AND 8K FILEING Breach of fiduciary duty Evidence of tax fraud 1099 ( B ) Collusion by deceitful agreement Organized crime Money laundering This Financial institution has not conducted fair and accurate behavior, to act as a transfer agent between me and my Treasury Direct account as they agreed to the do within their contract.

I advised the financial institution per the Full

Faith and Credit Act of the ( HOUSE OF REPERESENTATIVES ) Report 113-48 113 Congress 1st Session Section 1. short title This Act may be cited as the Full Faith and Credit Act. SEC. 2. Payment of Principal and interest on Public Debt and Social Security Trust Funds. And that I wish to bring my surety bon
d to life and have them deposit it and act as a transfer agent for me.
Product: Mortgage

Our Mortgage loan # XXXX was bought out by Lakeview Loan Servicing , LLC inXX/XX/XXXX. XXXX XXXX  handled it previously and paid my County Taxes inXX/XX/XXXX My escrow account has been charged twice for that now. {$1600.00} was paid XX/XX/ and {$660.00} was paid in XX/XX/. When the new company ran my new escrow analysis it shows another tax amount due in XX/XX/ of {$1600.00}. This is not due nor paid and caused a huge shortage in my escrow. Which in turn caused me to pay extra every month. I have a ticket number where I sent payment receipts in for taxes and I opened the issue with Lakeview. That is # XXXX. It's now XX/XX/XXXXand I have called more than 10 times. I get the same answer of its being processed and a new date everytime. Please help.
Product: Credit reporting or other personal consumer reports

I have been identified as a XXXX XXXX XXXX that has resulted in Debt Bondage and affects my consumer report. As a XXXX of XXXX XXXX XXXX XXXX XXXX you have RIGHTS. Under the Fair Credit Reporting Act ( FCRA ) Section 605C, negative information on your Background Check attributable to trafficking may be BLOCKED from Background Check reports ordered by future employers, volunteer organizations and landlords.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX CARXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

New Jersey Higher Education Student Assistance Authority XXXX XXXX XXXX XXXX XXXX is stating I am liable for a student loan that isn't mine XXXX, and they in violation Section 2A:14-1 Which they can not legally collect on a debt past 6 years. The loan was issued in XXXX and its now XXXX. They keep harassing me for payment. I want this loan discharged.
Product: Credit card

i reported to the company a credit card was open due to identity theft and the alleged account had fraudulent monthly payments and a balance ran up to nearly ten-thousand dollars i sent my identity theft report from the police station with a copy of my id to the bank showing this account was fraudulent only for them to say we believe this is your account because the person who was using my stolen information made monthly payments under my name! my personal information has been used to open a credit card account in my name without my knowledge or consent, in violation of S.512 - Identity Theft and Assumption Deterrence Act of 1998 and ( 15 U.S.C. 1681n ). This is a clear case of identity theft, and I demand that you take immediate action to rectify this situation. Failure to comply will result in 15 U.S. Code 1681o - Civil liability for negligent noncompliance. I have reason to believe that the perpetrator has been making monthly payments on this account using my stolen identity. This constitutes a false representation in connection with the collection of a debt, in violation of 15 U.S.C. 1692e.
Product: Debt collection

The company Cbe Group keeps harrasing me by phone constantly day and night. I have told then numerous times to stop calling but they continue to do it please help.
Product: Credit card or prepaid card

XXXX XXXX canceled my flight ( XXXX ) to XXXX, on XXXX XXXX on XXXX 's Day weekend ( CONFIRMATION # : XXXX ). I booked a package with XXXX XXXX ( flight & hotel ) for 2 nights. XXXX refunded me my flight tickets and only 1 night hotel stay! I'm out {$370.00} due to canceled flight. And Citi is the siding with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX Equifax has Violated my Rights 15 U.S.C 1681 section 602 A. States I have the Rights to Privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESIDENT VERIFY In accordance with the Fair Credit Reporting Act. The lists of accounts below violates 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 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 

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 crime 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Vehicle loan or lease

In XX/XX/XXXX bought a new XXXX XXXX XXXX from XXXX XXXX in XXXX, Florida and opted to add an additional product of life insurance that was provided by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX in the amount of {$1300.00} for the term of the loan. I have traded this vehicle in for a new XXXX XXXX XXXX and was owed a refund for the life insurance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and found that I was only to receive a refund for the amount of {$490.00} dollars out of the {$1300.00} paid to them. 
My feeling that this is another way of ripping off consumers considering that only two and one half years had elapsed on the loan and was charge {$880.00} this is an outrageous amount and again its a money maker for the company at the expense of the consumer!
Product: Credit reporting or other personal consumer reports

The account was not over 30 days late. This has been confirmed by XXXX. The account is confirmed closed and paid as agreed.