23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to formally dispute a foreclosure notice I recently received from Shellpoint Mortgage Servicing. In XX/XX/XXXX, Shellpointbegan servicing my Home Equity Line of Credit ( HELOC ). At that time, my principal balance was XXXX. I have retained copies ofmonthly statements from XXXX onward, none of which indicate any outstanding payment. Despite having a XXXX balance, I recentlyreceived a Notice of Foreclosure from Shellpoint. Upon inquiry, Shellpoint claimed that the {$900.00} charge was for interest accrued XXXX closed loan. I vehemently deny requesting or authorizing the closure of my HELOC. I have not signed any documentation related tosuch a closure. I have attempted to resolve this matter with Shellpoint through multiple phone calls and emails, but to no avail. I havebeen unable to obtain a clear explanation for the charges or the foreclosure notice. I kindly request your immediate intervention toinvestigate this matter and take appropriate action. I believe that Shellpoint 's actions are unjust and have caused me significantdistress. Attached are my statements from XX/XX/XXXX for : XXXX number XXXX : This statement shows no payment due and no outstanding balance. I am therefore perplexed as to how they have calculated interest on a XXXX balance. Loan number XXXX : This statement also indicates no payment due or interest due, with a XXXX principal balance. I am unable to understand the source of the alleged interest payments. I have had multiple phone conversations with Shellpoint representatives, during which I was initially informed that these payments were fees. As my fees were paid at closing, I inquired further. Shellpoint then claimed these overdue items were interest payments. However, when I pointed out the absence of any principal balance, they reverted to calling them fees again. I have recorded phone calls with Shellpoint representatives where they explicitly stated that I no longer owe any money and that the issues have been resolved. These recordings are attached to this email. During these calls, Shellpoint acknowledged an error and confirmed that the issue had been rectified. Despite these assurances, I continue to receive letters at my residence. Furthermore, my tenants have also received letters regarding loan number XXXX, stating that the loan is overdue. These letters were sent after my conversations with Shellpoint, where they confirmed the resolution of the issue. Consequently, my tenants are now expressing concerns about potential eviction and are withholding rent payments. This ongoing situation is causing me significant stress, impacting my sleep, and negatively affecting my health. The persistent harassment through these letters is also disrupting my business operations. I have attempted to resolve this matter by working with Shellpoint, but my efforts have been met with a lack of responsiveness. I am also reaching out to the Consumer Financial Protection Bureau and filing a complaint with them. Therefore, I request that Shellpoint promptly provide me with the contact information for their Legal Department, including their email address, phone number, and mailing address.
Product: Payday loan

XX/XX/2013, I visited a California Check Cashing location in XXXX XXXX, CA. I took out a {$250.00} loan and paid {$45.00} in fees. Every two weeks I visited the store and paid off the loan. I would repeat the loan every two weeks because I kept falling behind with my other expenses. Paying the loan back would make me repeat right away to get back on track. I did not give the lender access to my bank account. Instead I would go in every two weeks to pay and repeat the loan. 

XX/XX/2013, I did not have enough money to continue repeating this loan. I fell at work and did not have a steady income. I was not able to pay back the last loan I took out because the lack of income made it difficult to pay for my basic expenses. Let alone paying back the loan. My family and basic expenses came first. After I stopped visiting the store and making the payments, California Check Cashing called my home to let me know that I had a pending debt. 

Even though I wanted to pay my debt and prevent any damage to my credit, I simply did not have the money to do so. I owed {$300.00} and a few months after I did not return, I received a letter. This time it was not California Check Cashing, bit rather a collection agency that was asking me to pay back what I owed. They gave me options to pay back that loan along with another one from a separate lender I had also borrowed from. 

The week I received that letter I was expecting to work some extra hours at my new job. I thought I would make enough during those extra hours to pay off the loans. However, everything changed last minute and I was not given the extra hours. I do want to pay off the loan, but need them to work with me and give me a payment plan that I can actually afford.
Product: Debt collection

I had a credit card with XXXX XXXX that went into collections 6 years ago. They have reported the debt as new multiple times, causing it to be on my credit as a new debt for the third time. Ive disputed with them the dates of my account and was told well we can do what we want. They have called me up to 5 times a day, between humans and robo calls. They also called family members and an ex-husband who I havent had contact with for 4 years and told him I had a personal debt. My debt was reported again XX/XX/2019 as a new collection account after I disputed the dates of the previous account. They continue to robo call me everyday, multiple times a day. Its harassment.
Product: Debt collection

I am not responsible for a debt this company claims I own. I am not responsible for the debt advance capital solution claims that I am responsible for and they have not provided any proof or shown a contract as I have asked them to. I never signed a contract or entered into any agreement with this company, nor the original creditor. Apart of that this company dont have any license in Connecticut
Product: Vehicle loan or lease

On XXXX XXXX, XXXX my car was repossesed. 
On XXXX XXXX, XXXX Wells Fargo XXXX Department was made aware that the tires on the vehicle were leased and needed to be removed prior to car being sent to the auto auction fornsale. 
XXXX XXXX, XXXX XXXX XXXX XXXX sent over notice to sale vehicle to move vehicle tomauction WITH THE LEASED TIRES still on the vehicle. 

It appears Wells Fargo is refusing to remove and release the tires from the vehicle prior to the vehicle being sold. 

I have reached out to them again, this problem has yet to be resolved.
Product: Checking or savings account

I lost my phone. Someone used it to make purchases in the amounts totaling XXXX dollars. Someone then turned my phone into the police station. They changed my account number and replaced my bank card but only refunded XXXX dollars
Product: Checking or savings account

Open an account with Fulton Bank couple years back. In order for the account to be closed all fees was paid. XXXX XXXX shows I owe XXXX dollars. All fees were satisfied prior to closing account
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Sect

ion 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Mortgage

In XXXX of XXXX we purchased a home in XXXX, Ohio. After we had lived there for about a year, we discovered that we had bought an " over-inflated '' home. Although it was over-inflated, we continued to make payments. The private owner that we were involved with processed a shady loan for us. During this time ; not only did our loan get sold three times but the payments increased nearly three times than when the lloan first originated. The broker did jail time when all the loans got investigated. This property has sold twice since XXXX. But yet there is a {$30000.00} loan balance that a loan company inTexas is reporting us " late '' every month on our credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleading for your help in getting this erroneous account removed from my credit reports : XXXX XXXX Account # XXXX. I have been disputing this account with the credit bureaus and creditor for over 1 year. Not only is this account not mine but it is also reporting completely inaccurately. Please see the attached snap shot from my credit report pulled on XX/XX/XXXX from XXXX XXXX showing how this inaccurate account is reporting on my credit report. 

How can the loan be reporting as opened with Experian on XX/XX/XXXX and reporting as opened on XX/XX/XXXX on XXXX? How can the terms be " 12 months '' on Experian and due weekly on XXXX? How is my high credit limit {$500.00} on Experian with no credit limit reporting on XXXX? How is the date last reported on Experian XX/XX/XXXX but on XXXX  its XX/XX/XXXX? How is the date last active on Experian XX/XX/XXXX when its reporting as XX/XX/XXXX on XXXX? The account is reporting as charged off on Experian from XXXX XXXX XXXX but was reported as a charge off on XXXX  starting in XXXX XXXX XXXX and now is reporting in good status??? 

I have even spoken to representatives from Experian who stated that they never received any verification that this account belonged to me but simply received a letter from XXXX to " Leave the account on my report '' How is this fairness in reporting?? 

How can this possibly be accurate reporting? Per CFPB 's own website " The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. '' There is nothing fair or accurate about the reporting of this account and it should not only be deleted immediately but I should be entitled to remedy as is my right as a consumer for the year that I have fought to remove this accurately reporting account. This is clearly willful negligence on behalf of both Experian and XXXX. 

Per the CFPB website : " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected ... '' This information is completely inaccurate, incomplete and unverifiable and it should be deleted IMMEDIATELY. Not in 30 days as I have waited over 365 days, this account should be removed right away! 

Please remove this account immediately : XXXX XXXX Account # XXXX
Product: Credit card

I called into Synchrony Bank when I noticed an unauthorized transaction on my card. This happened on XXXX XXXX, of 2016. They said they would close my account for fraud and issue me a new card. They did issue me a new card, but I never got a credit on my account. When I called them back, a month later ( XXXX16/ ), they said that they had lost my info and would reprocess my fraud claim, which would take another 30-60 days. During this time I spoke to several representatives from synchrony to make sure they did n't lose track of my claim. But THEY DID!!! Can you believe that I called them on XXXX/XXXX/2016 and they said that the fraud claim was not filed and it would take another 30-60 days to process my claim. A month later after several phone calls to Synchrony, I got a letter saying I benefit from services ... this letter was dated XXXX/XXXX/2016. I was very confused at this point, because I explained to the bank that I did n't know the company, and never gave them authorization to charge my card. What benefit did I get from them? This was an unauthorized transaction and I thought that maybe they misunderstood what I had explained to them. So I called them back and said they must have misunderstood, and that I had no dealings with this company, and that in order for me to benefit from the service they had to sell me something. Which could not have happened because I DO N'T KNOW WHO THEY ARE. So they told me they would give me reconsideration ( XXXX/XXXX/2016 ). On XXXX/XXXX/2016 they sent me a letter denying me again, with the same boxed checked. I benefitted from services. No explanation. Nothing. They have a {$0.00} fraud liability protection, I do n't understand why they are not adhering to their own policy.
Product: Debt collection

I took out a {$1000.00} flex loan with XXXX XXXX in XXXX TN in early XX/XX/2018. I was working a lot of hours and forgot to make the payment on it. I never received any phone calls or letters from the store or company at all after taking out the loan, so I forgot about it completely. That is until a sheriffs deputy showed up at my house to serve me with paperwork for court. I contacted XXXX XXXX in XXXX TN - the firm listed on the paperwork - regarding the paperwork and was informed that it was due to the flex loan with XXXX XXXX. They told me the only way to avoid court - and garnishments and other negative information showing up on my credit report - was to setup payments with them of a minimum of {$200.00} per month. That was more than I could reasonably afford - and there was no debt to income analysis done - but since I wished to avoid all of the negative consequences and I was unaware at the time that I could have possibly obtained better terms if I went to court, I agreed and have been paying them {$200.00} per month by bank draft since then - all without STIILL receiving any paperwork stating how much I owed originally or how much my remaining balance is. 

I have been trying for over two weeks at this point to make my next payment and have been unable to reach anyone at XXXX XXXX to take my payment or to get anyone to call me back. I have even reached out to my local XXXX XXXX location for help in reaching them and all they could offer was to keep calling the number - and that the law office was in the same building as the XXXX XXXX corporate office. 

I know that I took out the loan, but I feel that XXXX XXXX took unreasonable advantage of this situation by not notifying me of my debts and payments. Furthermore, I have attempted in every way to keep up my agreement, but XXXX XXXX is not making themselves available to keep up their end and accept my payments and causing me undue stress about my situation in the process. And, I still have no idea how much I owe, if my loan has been properly moved to default, if I have any further options, etc. All in all, these two companies manipulated and bullied to take advantage of the situation.
Product: Credit card or prepaid card

For one thing XXXX  card is not a conventional credit card by any means yet they are backed by the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ) and yet, their emergency support line ( XXXX ) XXXX rarely resolves customer concerns in a prompt and timely manner. There is never a supervisor or manager when requested and to date, NO managerial staff ever contacted me back regardless of how many times i ask for one. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX therefore, they do not realize the gravity of an issue and the problem is compounded terribly. 

ON XX/XX/2022, I promptly disputed almost {$3000.00} in UNAUTHORIZED TRANSACTIONS made on my account due to my XXXX and wallet with all my bank and credit cards being stolen and as embarrassing as it was I provided further proof to XXXX via email that i was " unavoidably detained '' due to wrongful incarceration and went to further explain that my XXXX XXXX has been hacked. Their support staff REFUSED to update the new phone number or email and each time they send a confirmation email, it gets sent to the hacked email so the perpetrators were well informed of what i was doing to recover access to my accounts. I wasn't able to pay any outstanding bill since XXXX refused to issue even provisional credit while the investigation was ongoing. Due to their repeated refusal to credit back all the UNAUTHORIZED TRANSACTIONS, I have been forced to suffer late fees, penalties, and impacts to my credit history and still to date, they have not provided good reason WHY they are withholding my funds from my 2 govt. Direct deposits ; they refused to give me pertinent information so I could change my direct deposit to another bank and it was not until 5 days ago, I was able to finally access my account so i was able to transfer my XXXX direct deposit. Still, after an INSIRMOUNTABLE amount of phone requests and emails, they still REFUSE TO CREDIT {$3000.00} back to my account and I still have not received any email responses to any escalations to my complaint to their emergency support phone line. I have been forced into eviction because of these missing funds which they still refuse to credit 30 days later. They have terrible fraud protection measures and lousy customer service - false advertisement at best. I EXPECT my funds today or an explanation from their executives WHY they can keep my money. 

Their dispute department is non-existent and has given me NO REASON AT ALL WHY my money has not been refunded. I even told them a police report has been filed
Product: Money transfer, virtual currency, or money service

My Coinbase account had an attempted unauthorized password change last week, no big deal, I haven't used the service in years so I simply locked the account. 

Between yesterday and today, a total of {$4000.00} was taken from my bank account from coinbase. Coinbase has no customer service support to get help with, I got in contact with my bank and locked my savings to protect myself from additional charges. I can not even access my coinbase account because the password was changed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted the XXXX letter requesting to have inaccurate personal information to be removed from my credit report. 
On XX/XX/XXXX I submitted the XXXX letter requesting this information to be removed from my credit report. 

As of XX/XX/XXXX, I have yet to receive and update credit report nor has it been updated on myequifax.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

hipppaa and ftc violations sent over 30 days XXXX Opened XX/XX/XXXX + {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1300.00} Original creditor : XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I had my tax advance of XXXX deposit into my credit karma bank account. Credit karma froze my account and will not allow me to withdraw any of my funds. They will not tell me when they will unfreeze my account or even why its froze. I have gotten nothing but the same generic response from everyone I spoke with saying to wait it out. I was depending on my money to pay my bills. Now they are not allowing me to take it out. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX # XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to JXXXX XXXX XXXX XXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX # XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX XXXX XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX # XXXX should delete all account information they share with Equifax, XXXX, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX # XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX XXXX XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.
Product: Checking or savings account

XX/XX/XXXX : checking account closed due to bad customer service XX/XX/XXXX : advertising on Bank Of America Credit card application once logged on my account, inviting me to open a checking account opened to get a welcome bonus of {$200.00} ( {$2000.00} direct deposit under 90 days ). Application in pending for manual review. 
XX/XX/XXXX : application approved manually with the XXXX bonus code confirmed. 
XX/XX/XXXX : requirements met ( over {$2000.00} XXXX received ) XX/XX/XXXX and XX/XX/XXXX : I called multiple times to know why I did not get the bonus. The answer was " you had an account with us in the part 12 months so you don't quality ''. 

The advertising was inside my Bank of America account and was personalized, a coupon code was also pre-filled. 

Why presenting a {$200.00} offer in big letters if the customer does not qualify?
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

I had a very expensive car loan for several years with Wells Fargo and they would use aggressive tactics to collect payment before due dates and collected unjust late fees. My car was eventually voluntary repossessed in XXXX The car salesmen was aggressive and cut corners to stick me with the high interest rate payment and even sold me fake auto insurance in order to be able to make the sale. My children were small and I needed a car. I was young and did not have any guidance. They got me and took more money than I could ever afford. Please verify if I am included in the current class action lawsuit.