23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving multiple phone calls, sometimes per day. Blocked numbers, spoofed numbers, etc. The agents are dismissive when I tell them that the debt was sent to them in error. I applied for and received a credit card but did n't end up using it for my dental work. I have the receipt for the cash payment. I 've tried calling Synchrony bank - where the debt seemed to originate - but they say that once the debt has been sold they can not retrieve the information that would clear my name. 

The agents from this company, XXXX XXXX XXXX, have heard all of this information but do not seem interested at all in it. They repeatedly say that they only want to discuss how I can pay them. If I try to disengage the conversation because I am driving or my children need my attention, the agents will firmly try to keep my attention to their call.
Product: Checking or savings account

I deposited a settlement check that I received from my lawyer, I deposited it into my account and it was being held for 12 days. But the lady told me to call customer service to see about moving it faster, to which I was transferred to the fraud department, who advised me that they could not verify my check, they could not call the other bank, they could not call my lawyer, they could not call the settlement company and they could not call the check verification company all because there was not a call in verification number in there system. And now they are threatening to close my account to end ties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our names are XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you and family are well during these unpredicatable and extenuating times. 

We needed to file a claim in regards to refinancing. We have been trying to resolve an ongoing issue ( s ) with Shellpoint and felt that it was necessary to refer to you for advisement. We have been trying to resolve the issue of credit reporting on behalf ofthe third borrower, XXXX XXXX XXXX XXXX. ( my father ) ; as of now we are all making payments and no payment or credit line is being reported on his behalf. 


We've been relentlessly trying to get Shellpoint to solve this issue since midXXXX. We've sent the right emails with the right documentation, but, only to be presented and met with conflicting information along with false reassurance ( s ). We have been told in writing that this was going to resolved months ago in XXXX. 


Here we are in middle of XXXX and it has to have been taken care of, as my father 's credit report still has not been updated. We are completedfrustrated at this point, as we can not move forward with the VArefinancing process until this credit matter has been taken care of. 

Please assist us and look into this problematic company that has a very troubling user record with the XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

1. Shellpoint will not provide me a designated representative. My representative is supposed to be XXXX XXXX. 

Shellpoint is falsely stating that they can not reach me. I have asked my designated representative on the phone to communicate with me via email. There is along email trail demonstrating that is it false when Shellpoint says they have made several attempts to contact me unsuccessfully. 

2. Shellpoint will not communicate with me directly at XXXX. 

XXXX. Shellpoint is unreasonably alleging I need to contact them bi-weekly by phone. If they will not honor, their own written statements, I do not have any chance if they are not willing to put the options in writing. 

The reason this is important for Shellpoint to try and claim that I am not being cooperative is because I made the trial plan total payments. But, Shellpoint sent a conflicting statement and used their error to allege that I did not complete the trial payments for the modification. I contacted my designated representative about the conflict. He acknowledged and said that he would speak to his supervisor. When Shellpoint never responded back to me, I paid the alleged difference.
Product: Mortgage

I filed same complaint on XX/XX/year> Complaint XXXX under XXXX XXXX  since they're the ones I'm having fraudulent activity with and LoanCare, my Mortgage servicer. 
Now I want to report LoanCare. They have assured me problem has been fixed but I have closed same bank account 3 times this past week. My mortgage has not been paid since I can not shared addy'l banking information. Please look into matter. See attached activity.
Product: Mortgage

Informed by XXXX that the servicing rights to my mortgage loan was to be handled by another company and as of XXXX XXXX, 2015 they could no longer accept my mortgage payment. Also, informed by XXXX that they were missing a payment that I show through XXXX XXXX XXXX the payment was negotiated ( cashed ) as all payments are sent through credit union. XXXX also increased my escrow requirements more than XXXX just before the transfer and did not justify. I made contact with local tax office and insurer and the billings do not justify the increase. XXXX letter provided a number and address of SETERUS and the contact information failed to produce a person to speak with only a recording of information that is to come at a future date. XXXX says they can not correct the records even with proof as my account is now with this company that is only represented by a recording that goes into a continuous loop.
Product: Debt collection

On XX/XX/XXXX, my experian credit report was flagged with a collection by XXXX XXXX XXXX in the amount of {$590.00}. On XX/XX/XXXX, I mailed a letter to experian exercising my right under the Fair Credit Reporting Act, Section 609 to be provided the source of the information with the original contract that contains my signature. I never received this information from them but instead they opened an experian website dispute with the results of it being an accurate collection belonging to me. On XX/XX/XXXX, I mailed another letter exercising my right under FCRA 611 ( a ) ( 7 ) for the method of verification used to verify XXXX XXXX XXXX account. I also stated that according to FCRA 611 ( a ) ( 7 ), they had 15 days from receiving the letter to provide the information or delete the negative item from my experian credit report. They never provided me with the information but instead they opened another experian website dispute with the same original results. On XX/XX/XXXX, I mailed another letter requesting for the collection to be deleted since they did not provide the information within that time frame and nor did they ever provide it.
Product: Student loan

The Complaint relates to Complaint Number XXXX. 

MOHELA has again issued me past-due notices in error. I paid my monthly bill of {$840.00} on the due date of XX/XX/2024. My bank information shows that my payment cleared on XX/XX/XXXX. On MOHELAs website, it shows that MOHELA is still processing this payment. Yet MOHELA sent me two past-due notices on my account and shows that I owe {$1400.00} by XX/XX/2024. 

MOHELA issued me past-due notices in error in XXXX and earlier in XXXX. While it corrected past-due status on its website, MOHELA has never sent me corrected invoices. I am very concerned that MOHELAs gross negligence and incompetence will negatively impact my credit.
Product: Debt collection

I paid the bill ( I have a transacted check to prove this ) and they are still sending me letters. despite my sending them a copy of the check in question. they are assessing fees on the and interest on the bogus charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : XXXX XXXX-XXXX XXXX XXXX   XXXX XXXX TEXAS XXXX THIS ACCOUNT IS NOT MY ACCOUNT AND I AM NOT PAST DUE ON MY CHILD SUPPORT. I DISPUTED THIS ACCOUNT ON XX/XX/XXXX THROUGH CERIFITED LETTER LETTING THEM KNOW AS WELL AS EQUIFAX THE ACCOUNT WAS NOT ACCURATE AND MY PAYMENTS HAVE BEING MADE ALWAYS ON TIME. I WAS INFORMED XX/XX/XXXX THAT THE ITEMS WERE REMOVED FROM MY CREDIT REPORT. NOW I DISCOVERED THAT THE ITEM HAS BEEN REINSERTED ONTO MY REPORT. IN ACCORDANCE WITH THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT SECTION 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) requirement relating to reinsertion of previously deleted material. ( ii ) Notice to the consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I RECEIVED NO SUCH NOTIFICATION. THIS IS A VERY SERIOUS VIOLATION OF THE FCRA, AND I RESERVE THE RIGHT TO PURSUE LEGAL ACTION FOR YOUR BLANTANT DISREGARD FOR THE LAW. EQUIFAX AND THE ATTORNEY GENERAL 'S OFFICE SHOULD BE ASHAMED OF THEMSELVES. INVESTIGATE INTO THE MATTER. YOU HAVE ME MIXED UP WITH SOMEONE ELSE MAYBE THE NUMBERS OR NAMES GOT CROSSED, OR SIMPLY A HUMAN ERROR.
Product: Credit reporting or other personal consumer reports

I took out a vacation loan with Uplift for a few trips home and what not. I ALWAYS PAID ON TIME DESPITE BEING UNEMPLOYED, EVICTED AND WITHOUT A VEHICLE!!! I HAVE BEEN LIVING ON THE STREETS FOR ALMOST TWO YEARS SOMETIMES MOTELS WITH VOUCHERS, VACANT PROPERTIES, SHELTERS OR IN PUBLIC PLACES. I HAVE NOT BEEN ABLE TO GET HOUSING, A JOB WITH A DECENT SALARY NOR A CAR BECAUSE THIS, EVERYTHING IS WAITLISTED IN TERMS OF PUBLIC ASSISTANCE, ETC. I WAS TOLD THAT I NEEDED MORE HELP THAN ANY ASSISTANCE PROGRAM IS QUALIFIED FOR DUE TO SEVERE NATURE OF MY SITUATION!!!! I AM ASKING KINDLY FOR YOU ALL TO REMOVE ALL NEGATIVE INFORMATION OFF MY CREDIT REPORT AND/OR PAY {$100000.00} IMMEDIATELY!!!! IF YOU ALL DO NOT YOU ALL WILL AN ADDITIONAL {$100000.00} IN LEGAL FEES IMMEDIATELY!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent company certified letter with all identifying information including FTC ID theft affidavit and prior police report. 

Company has not resolved issue and has not blocked information pertaining ID Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/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 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, credit repair services, or other personal consumer reports

Capitol One has done an inquire on my credit report every month with you me knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint because I have received phone call from my banker and he notified me that they received a few application for credit lines on my name, they called me to verify if it was me. I declined these applications and confirmed that I didn't apply for anything, any loan or cards. I been advised to check my credit report because I haven't done that for a while, so, I obtained my credit report and noticed several hard inquires on my report from Transunion that I never authorized. I was shocked. So I have filed FTC Report and I have included in this package. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. 
I'm representing myself by myself and I do not involved any third party for this matter. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
Here are the name of these inquiries : XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. 
XXXX, XXXX ; XXXX XXXX XXXX XXXX. XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX. 
So, all being said, all these hard inquires are not mine and must be deleted immediately.
Product: Credit card

Citi XXXX XXXX XXXX  credit card offers a service called XXXX which allows you make payment plans on expenditures over {$75.00} over a period of time. Service works with XXXX where XXXX lets you select this feature at checkout time and XXXX ( I believe ) pays the interest because when used through XXXX, the interest is always 0 % and the number of months given to pay purchase is based on total spent - as an example a {$100.00} charge will give you only the option for 3 months interest free in your Citi XXXX card while a purchase of {$300.00} will give you XXXX and 6 months options and a {$500.00} will give you 3, 6 and 12 months interest free finance options. Once you setup your card to pay something like the entire monthly statement balance PLUS your XXXX  MONTHLY AMOUNTS DUE, the system automatically figures out to charge everything you spent the month before MINUS the TOTALS in XXXX where it should only 'collect ' the monthly payment for EACH XXXX  PLAN. Citi is supposed to add any extra payments to the highest interest balances first. However, since they are all 0 % from XXXX, it should ignore these 0 % XXXX  plans and apply any extra payments ( beyond the prior balance and all required monthly XXXX amounts ) to the XXXX  with the highest interest/cost. However, here list the CITI BANK SCAM - it actually does NOT DO THAT, and it APPLIES ANY EXTRA PAYMENT XXXX the 0 % XXXX, BLATANTLY IGNORES the HIGHEST COST XXXX, and ANY EXTRA MONEY LEFT AFTER PAYING ALL 0 % XXXX  IS APPLIED TOWARDS THE XXXX ' MONTH 'S BALANCE for the MONTH that has NOT CLOSED YET. This is NOT what they explain to you because the BALANCE of the month that has YET TO CLOSE is 0 % - you HAVE NOT YET BEEN BILLED FOR THAT MONTH - this falls within the 30-day grace period which has not even begun yet because current billing period has not closed yet. So, I have the ONLY ONE XXXX XXXX LEFT ( {$1800.00} with an $ XXXX fee for 12 months - they don't allow you to choose any period LESS THAN 12 MONTHS 'EVEN ' if you are financing the minimum {$75.00}, which is ridiculous ) that I'm paying a FEE FOR and that one plan ONLY got it's MINIMUM monthly due amount applied towards it. This is NOT what I was explained MULTIPLE TIMES when I called to make sure before creating the XXXX  XXXX  and they won't fix the reallocation of my extra $ XXXX payment to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX : XXXX -- -> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I think someone tried to get a car with my information because this all inquires I got on my transunion report. and I recognize none of it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Banco Popular de Puerto Rico, XXXX XXXX branch is not.paying attention to send me my Visa card since XXXX XXXX.I am very needed to receive my Visa card because is urgent to me to resolve some problems.I am calling frequently to Costumer Services numbers and they are not answering the telephones and I visited the offices and they said that they sent the card but it was returned and I confirmed that it was the correct address .but I didn't receive the Visa card yet.and I am  sure the address is correct.please help me.Thank you ( excuse my English errors because I am Spsnish speaker )
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

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 formally notify you that I am a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) due to the fact that these accounts and information were compromised in the breach.

The accounts to be blocked and deleted are as follows : XXXX. XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2200.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX  XXXX Bankruptcy - XXXX - XX/XX/XXXX - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is full faith and credit from Secretary of the United States Department of state for name XXXX, XXXX Dba XXXX XXXX. Please update and remind be all derogatory accounts from credit report. 

United States of America constitution 1787 Article I Section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.
Product: Checking or savings account

I opened a checking account with Wells Fargo on XX/XX/XXXX. Banking promotion was for {$300.00} once I met the qualifications. I had a direct deposit of {$1000.00} within 90 days. Deposits of {$1000.00} made on XX/XX/XXXX and on XX/XX/XXXX. No credit received from Wells Fargo within 90 days of meeting requirements.
Product: Vehicle loan or lease

When I purchased my lease I was sold by the sales team that XXXX have their value and I could use the equity at the end. Now that my lease is completing I am told that the only way I can sell it is to buy a new a new vehicle with volvo AND it must also be financed with Volvo. The dealerships have conflicting information, and the representatives at Volvo Financial lack empathy and seem to numb to this situation. We have struggled to make the payments, and were planning to utilize the small equity that we had. Now we have to turn in a unit that has equity and then they charge fees to turn in. Then I am sure they are going to charge to recondition. It just seems deceptive and this process benefits 100 % volvo financial. If I could just pay it off there would be no additional fees. I feel as though no one is standing up for the consumer and they have become greedy with inventory issues.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft this credit card and address should not be on my record XXXX XXXX Date opened XX/XX/XXXX Balance {$640.00} Status Closed. {$140.00} past due as of XX/XX/XXXX. I never had this account or address never lived XXXX XXXX XXXX XXXX, TX XXXX.