23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When my HELOC was transferred from XXXX to Shellpoint/Newrez , an accounting error occurred. Since XXXX of 2024, dozens of phone calls, documentation describing the error, snapshots of direct deposits, spread sheets verifying their accounting error, etc. has been communicated/issued to Shellpoint/Newrez. XXXX letters from Shellpoint have been received stating they are working on resolving the issue. To date, nothing has been done by them other then sending incorrect monthly statements. Every phone call ends in nothing but the representative saying they are sorry and they'll expedite the research and have someone call me. I have never received a call. It has been over XXXX months dealing with these people with no results. I need your help, how can pressure be put on this issue so it can get rectified?
Product: Debt collection

I have attempted on many occasions over the past few months to get XXXX XXXX to send me a billing statement that clearly shows that I owe this debt to them, including the services that I am being billed for. 

After explaining to them that I will not pay a bill that does not show the charges for the services that I am being charged for, they have refused to communicate with me, and turned me over to a debt collector, Revco Solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I faxed a complaint to XXXX XXXX  due to late payments reported on my credit report while I was on a COVID forbearance program, as my wife had contracted XXXX  twice in XXXX and was hospitalized, causing a loss of income and increased medical expenses. I included copies of the mortgage statements that they had sent to me during this period of negative reporting, which clearly state on the statement that You are currently on a COVID-19 Forbearance Plan. See additional information related to COVID-19 Forbearance Notice on page 2. The same statements further state : " IMPORTANT COVID-19 FORBEARANCE NOTICE : You are currently on a COVID-19 Forbearance plan. Please note that the billing statement shows the Amount Due, which is the contractual amount needed to bring the loan current, however, you are not required to make any payments during the COVID-19 forbearance period. In addition, your account will not be assessed late charges, receive adverse credit reporting and there will be no foreclosure action during the COVID-19 forbearance period. Please refer to your COVID-19 Forbearance plan letter or visit your account online for more details. '' However, their response was that while the statements indicated the active forbearance there were other letters sent advising that the forbearance was expiring. However, I extended the covid forbearance and they don't have any documentation stating the forbearance expired or was extended, even though they continued it for a period thereafter.

Furthermore, when I asked for reinstatement options they referred me to the State of Texas website which indicated that my income was too " high '' for any programs and I had to come up with twenty four months of payments in one lump sum to avoid foreclosure. I paid over {$29000.00} to keep my house after being on a government backed forbearance program. How did anyone expect to pay all the months that were deferred in one lump sum payment? Also, during the forbearance period XXXX would not accept partial payments. This was a terrible and frightening experience to have the threat of losing our house after dealing with Covid. I feel XXXX is not supportive of the governments efforts nor the situations that some of their borrowers faced on these unprecedented times. And I would also ask why the government programs could not help all Americans that were on these deferred programs. 
I have been unable to refinance this mortgage or obtain credit due to these marks. It has had an extremely detrimental effect on our lives.
Product: Credit card or prepaid card

My bank was stopping payments on my account due to a fraud alert. I tried but couldn't make a payment. Then when I did make the payment Capital One had closed both my accounts.
Product: Debt collection

National Credit Management placed an account on my credit in which is not mine or a result of identity theft. I have never done business with this company and this is not my debt. It shows the original debtor as XXXX XXXX University which I have never attended. I have reached out to the original Creditor and they said they do not have me as ever being a student. National Credit Management is fraudulently trying to collect a debt that I dont owe. It shows on my credit I opened the account in XX/XX/2023 which is fabricated and untrue. This is something made up. I will be sending the original creditor a request for debt validation.
Product: Debt collection

Contacting me all hours of the day. Contacting my job. Calling me on the weekends after hours from a text now number.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two hard inquiries on my credit report that should no be there I have no knowledge of these application please take them off. 

Jpmcb card XX/XX/XXXX Jpmcb card XXXX XXXX XXXX XXXX
Product: Mortgage

We have a home loan for about XXXX  years now, and this past year the mortgage and escrow account was transferred from XXXX XXXX to Shellpoint. For the entire duration of this loan and escrow account to date, the escrow account has always covered local property/school taxes and homeowners insurance. After transferring to Shellpoint this past year, we have been unable to have Shellpoint pay for the homeowners insurance they are required to pay per the escrow agreement. We spoke with agents in the customer service department XXXX XXXX department, and even the tax department several times. 

The latest points of contact were on XX/XX/25, XX/XX/25, and XX/XX/25. Initially, we were told that the homeowners insurance had already been paid and mailed out back in XXXX. Then, when our insurance company said they never received payment and we spoke with a few more agents, we were told that the escrow account does not cover homeowners insurance and that we could ask about adding it, but that it didn't cover it already. We explained to them that there must be an error on their part because the escrow account has always covered it. 

We verified with our insurance company, XXXX, that the homeowners insurance had always been previously paid by XXXX XXXX, and they verified this. This has been an ongoing battle over the phone with Shellpoint to try to get them to even acknowledge their financial obligation, much less pay it. They have led us on with extremely long lead times of XXXX business days to " attempt '' to get homeowners insurance added to the escrow account, and said that it may not be approved even after XXXX business days. 

Despite the bill being due on XX/XX/XXXX, it still has not been paid, regardless of the numerous calls that have been made. We are now at risk of losing homeowners insurance because of Shellpoint 's mismanagement and errors.
Product: Debt collection

Back in XX/XX/XXXX I open a credit card with XXXX XXXX XXXX  with a {$500.00} credit limit. It was charged off in XX/XX/XXXX. I filed for bankruptcy in XX/XX/XXXX and I got the card to help build my credit back up. I ended up being out of work for little while and got behind. I moved in XXXX and got married in XX/XX/XXXX. In XXXX of XXXX, my son was in a very life threatening accident and was in the hospital for a while. In XX/XX/XXXX XXXX XXXX had me served at my old address for a judgement. My sister or someone claiming to be my sister happened to be close to the house and took the paperwork. When I was notified I went to the courthouse and signed the paper to request a hearing. Well my son was still in the hospital and I forgot about the court. So they filed against me. XXXX, per their attorney Cooling and Winter also filed for a FiFa to be placed on my property in XX/XX/XXXX, because they knew that I came off my bankruptcy in XX/XX/XXXX. So in XX/XX/XXXX XXXX credit begin to report the debt on my credit as their debt. They are now saying that I owe {$1000.00}. My complaint is for the amount of time that the debt was placed in their office XX/XX/XXXX. They were pulling my information because they knew of the public records about the bankruptcy so they could see my new address and contact information. Also I have 2 open credit card accounts with XXXX XXXX right now. They use the the Cooling and Winter law office to collect their money and will not deal with the debtor. The Cooling and Winter law office have random people calling and working on the case. And they are very unprofessional and will not return calls or answer emails. They even had an attorney from different area to step in on their behalf. My case number is XXXX XXXX is XXXX.
Product: Credit reporting or other personal consumer reports

My credit reports are showing a late payment error from XXXX. I never been late on any of my statements with them. This late payment error is bringing down my fico score unfairly and I need this corrected right away or I will be looking into filing a claim against them for defamation of my character.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to discover that I have been a victim of identity theft. Numerous accounts on my credit report were not opened by me. I am distressed that this information has been included in my credit profile and that your procedures have failed to ensure the highest possible accuracy in your reports. Credit reporting laws require that bureaus report only 100 % accurate information. Every measure must be taken to ensure the information reported is completely accurate and correct. 

I have already contacted the Federal Trade Commission and filed complaint # XXXX. I kindly request that you block and eliminate all erroneous information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. & 1681c-2 ), which mandates the removal of such accounts within 4 business days of receipt. Specifically, please remove all information related to identity theft, including the following accounts : XXXX. XXXX, Account number : XXXX. 
XXXX. XXXX, Account number : XXXX. 
XXXX. XXXX XXXX, Account number XXXX... 
XXXX. XXXX XXXX XXXX, Account number : XXXX... 
XXXX. XXXX XXXX, Account number : XXXX... 
XXXX. XXXX, Account number : XXXX... 
XXXX. XXXX, Account number : XXXX... 
XXXX. XXXX XXXX, date of inquiry : XX/XX/year> XXXX. XXXX XXXX, date of inquiry : XX/XX/year> XXXX. XXXX XXXX of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX  XXXX - XXXX, CA XXXX ( Address ) XXXX XXXX XXXX XXXX XXXX - XXXX XXXX CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( Address ) XXXX. XXXX XXXX XXXX - XXXX XXXX, CA XXXX ( Address ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, CA XXXX ( Address ) XXXX. ( XXXX ) XXXX XXXX Phone number XXXX. ( XXXX ) XXXX XXXX Phone number Furthermore, in compliance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following details : 1. The names and business addresses of each individual with whom you verified the information. 
XXXX. The date on which you contacted the individual information furnishers. 
XXXX. The method of communication used to verify the information. 

I want a human verified response as supposed to the computer generated responses I have been getting.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have mailed 2 rounds of letters to Experian, one last month and one this month. They continue to send me emails saying that they dont think it was me that sent the letters. I have called each time telling them it was me that sent the letters. They are not processing my disputes.
Product: Credit reporting

I am a victim of identity theft. I have contacted Chex Systems Inc on numerous occasions and have found that they flagrantly violate the provisions in the Fair Credit Reporting Act. My previous financial institution, XXXX XXXX, had a date breach and/or hack several years ago which resulted in my sensitive personal information being shared with over XXXX people. The information included my full name, driver 's license, date of birth and social security number. I have had to dispute numerous accounts opened in my name as a result. I previously disputed the XXXX accounts that are being reported on my credit file with Chex Systems directly with Chex Systems and have now filed a complaint via the Consumer Financial Protection Bureau which Chex Systems responded to. Chex Systems claims to have investigated my previous disputes. Upon my communication with the XXXX companies that have reported information to Chex Systems ( XXXX XXXX Bank and XXXX XXXX XXXX Bank ) I was told by XXXX companies that Chex Systems never forwarded them my complaint and that they were not aware of any identity theft because Chex Systems never told them. I had these conversations with both companies over the phone and XXXX XXXX sent me the attached letter confirming the conversation and letting me know that they told Chex Systems to remove this information. In the response I received from Chex Systems Inc this week through the Consumer Financial Protection Bureau they stated that they would not remove the information - this after the provider of this information has told me in writing that they have requested Chex Systems remove this information immediately. I have attached to this complaint a copy of the written communication from XXXX XXXX XXXX Bank which informs me that they have instructed this credit bureau to follow the law under the Fair Credit Reporting Act and to remove the information from my credit file. I have previously supplied Chex Systems with a copy of the letter from XXXX regarding the identity theft and also provided in the previous complaint filed with the CFPB. In XXXX letters I have attached the financial institutions have provided contact information for any third party to contact to confirm any information. In reaching out to XXXX Bank I was told that they also have no record of Chex Systems contacting them to validate this identity theft. To date I have contacted Chex Systems numerous times and spent hours of my time attempting to rectify this situation and have provided written notice with contact information for them to validate my claim of identity theft and to date they have not honored my rights under the FCRA and attempted to validate my claim.
Product: Debt collection

I don't know where this came from. I have been using XXXX for the last ten years. This is some new report from XXXX. I researched that it is an internet provider. I have not ever used this service before. This is the result of identity theft obviously. I will not be paying this as it is not my debt. It needs to be removed immediately.
Product: Debt collection

After looking on my credit report, i've noticed accounts that in my name with my authorization. My information was available on the dark web after my identification was stolen. The companies below have not acknowledge the fraud on these accounts. 
XXXX XXXX XX/XX/XXXX {$7600.00} XXXX  XXXX XX/XX/XXXX {$13000.00} AFFIRM XX/XX/XXXX {$2500.00} XXXX  XX/XX/XXXX {$870.00} XXXX XXXX  XX/XX/XXXX {$10000.00}
Product: Debt collection

On this date XXXX  company opened a collection. 
Account # XXXX {$2100.00} that I owe I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureus XXXX XXXX
Product: Credit card or prepaid card

My credit score has significantly decreased from over XXXX in XX/XX/XXXX to XXXX in XX/XX/XXXX ( an all-time low for me ) due to high credit card use. The root cause of the high credit card balance was an administrative delay by PNC Online Bill Pay. I scheduled a payment on XX/XX/XXXX. I called PNC Customer Support on XX/XX/XXXX because the payment had still not been processed. I was instructed by PNC customer support to immediately stop payment on the XX/XX/XXXX PNC Online Bill Pay payment and pay with a PNC Internal Transfer on XX/XX/XXXX. I was told this would be both the fastest method of payment and reduce the risk of a duplicate payment. I followed these instructions and took these actions. I was told the only way PNC could look into my problem was to write a letter to PNC Bank Consumer Credit Bureau Investigations. I did so on XX/XX/XXXX. PNC left a voicemail on XX/XX/XXXX that PNC would not be contacting the credit bureaus to fix my credit history. This problem impacts me, my wife, and my two sons since we share this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX and Transunion choosing to report XXXX XXXX XXXX XXXX Account # XXXX on my consumer credit report has violated my rights under 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions and consent, Which I did not give XXXX or Transunion at all. 

Also under 605B of the Fair Credit Reporting Act, XXXX and Transunion are supposed to block and remove all fraudulent information no later than 4 days of receipt of Identity theft documents in regards to the fraudulent information. I clearly provided those documents to XXXX and Transunion and they accepted those documents. 

They then deleted the said account Under the name of XXXX XXXX XXXX XXXX Account # XXXX and then added it back to my report without notifying me of them adding it back to my consumer report which was another violation of my consumer rights. 

In accordance with the requirements of the FCRA section611 ( a ) ( XXXX ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to 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 XXXX 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 blatant disregard of the law. 

Throughout all of this going back and forth I have been nothing but professional with how I have handled XXXX and Transunion. They have yet to show me any so-called proof of this account being verified that they keep claiming that it is. 

This is my last attempt at settling this in an easy way, if XXXX and Transunion do not delete this fraudulent information from my report I am going to seek litigation for actual damages and seek financial remedy for each FCRA violation they have committed toward me throughout this whole experience. I will join in on the class action lawsuit XXXX already has which shows their incompetence and unprofessional practices. 

In the documents below I have included my *Federal Trade Commission Identity Theft Report XXXX XXXX Police Department Report XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and Transunion * XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Transunion *Social Security Card * License
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted credit one to close this account. I paid balance and was assured that account is closed as of XX/XX/XXXX when statement closes. 

My Experian account is showing account as open with balance owing. I submitted first dispute which XXXX XXXX falsely claimed that account is still open as of XX/XX/XXXX. I submitted second dispute with Experian showing status of account, XXXX  XXXX falsely and fraudulently verified account as open. Not only was it false, XXXX XXXX under false pretenses backdated account status to XX/XX/XXXX in order to falsely report account as open as opposed to closed
Product: Mortgage

Hello I just wanted to have this complaint captured so that everyone is aware of how unprofessional first American title was! I had a horrid experience with an agent by the name of XXXX XXXX, she works specifically with escrow at this company. She works at the XXXX XXXX XXXX and has got to be removed from being near a phone by all means! She shouldnt be allowed to be interfacing with potential clients or existing ones. She made a significant amount of XXXX XXXX while forgetting to place herself on mute and have a colleague of hers partake in this conversation. As a person of XXXX  ethnicity it made me sick to my stomach that this company has not only failed to be diligent in acknowledging my concerns but responding that my concern has been heard and action is going to take place! I have sent numerous emails asking for someone in management to get back to me and my messages go unheard. Im doing this in hopes that someone will hear me. Someone will give me a proper response. Do not bring your business here!
Product: Debt collection

This account was placed on my credit report and was previously deleted. However, the same company has placed the deleted account back onto my credit report causing my credit score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke ro XXXX XXXX about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX