23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sir/Madam, This is the letter of complaint about a loan application through     XXXX   XXXX   We applied for a loan at the end of  XXXX  to buy a condo unit in  XXXX . Mortgage broker  XXXX   XXXX  advised us to apply for the loan as a secondary home, and assured us from the beginning that our application will be approved. Trusting his assurance ; we paid initian fee and started the process. Projected closing date was the end of  XXXX . We were asked for tremendous amount of paperwork and never given the guidance how to prepare it. We enrolled brokers ' supervisor but again without any support. We did not complete the process in time as our phone and emails/text messages never returned timely. Eventually, our application was denied and information was not given directly to us but to our real estate agent. The reason for the denial was that wrong type of loan was applied for. We were told that we should have applied for different type of loan from the beginning. With the fear of loosing our downpayment ; we ended up applying higher rate with higher points, which costed us  XXXX  $ extra money.   If we were told the truth from the beginning and treated timely and professionally we would not go through this misery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company stating that they wrote {$640.00} off of the loan. This is untrue as I paid the entire amount in full. I have disputed this twice and Wells Fargo dealer services has refused to update with the correct information.
Product: Debt collection

XXXX is claiming I owe {$340.00} which was sent to XXXX XXXXXXXX XXXX XXXX XXXX to be collected. I called both companies which advised me the name and information on account didnt belong to me. However it was not removed from my credit. The home address on the account is from New York, which I never lived in NY a day in my life.
Product: Mortgage

My name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX XXXX CA XXXX my family and I have been living here for many years. 
I want to file a complaint against Bank of America for violating the California Homeowner Bill Of Richts_Restriction on dual track foreclosure It became into Law on XXXX XXXX I was astonished in shock when I got a call on Friday XXXX XXXX, XXXX from a stranger notifying me that the house was SOLD the day before on Thursday XXXX XXXX. I advised the person on the phone that it was impossible because I was on a modification review with Bank of America Modification department and I had not received any letters of the denial on my modification review. My loan is a XXXX XXXX XXXX XXXX Loan a government entity this is unreliable I am a Veteran of the XXXX and I have been struggling with a XXXX make it impossible to continue to work I had to take an early retirement due to my XXXX. My income then dropped and I call Bank of America to requested help with my mortgage payment Bank of America agents advised me to STOP making my mortgage payments it was the only way they could help me and I follow their instruction they would help me with a modification under the ( HAMP ) Making Home Affordable program .I have been faxing all requested documents for a long time modification packages one after the other. I had a package submitted under review at the time of the AUCTION on my home. 
Bank of America is deceitful, shady, the method they have used to process my loan modification is dishonest after I was assured I would be eligible for the Making Home Affordable program if I followed their instructions and I did. 


I strongly believe Bank of America is not in compliance with the government standards and codes, especially with the California Homeowners Bill of Right on the Dual Tracking therefore I ask that you apply your regulatory authority and re-evaluate Bank of America policies and their process of assisting home owners with the modification under the Making Home Affordable ( HAMP ) program It is my believe their underlying guide lines contains misrepresentations, deception and violation of The Truth In Lending Act - TILA. This federal law was enacted in XXXX with the intention of protecting consumers in their dealings with lenders and creditors. 

I consider Bank of America to be deceitful, fake, unprofessional their lies and lack of willingness to assist home owners in times of crisis and desperation ; They should not be allowed to SERVICE XXXX XXXX XXXX XXXX XXXX. I evaluate them to be a poor customer caring SERVICER. Bank of America has demonstrated we are insignificant to them no customer value or respected toward Veterans or the homeowners at all.
Product: Student loan

Navient misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file. These late payments are erroneous and misrepresent my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for account XXXX are inaccurate. I have been enrolled in autopay and have consistently made payments on time. 
Violations of Consumer Rights : Fair Credit Reporting Act ( FCRA ) : The reporting of false late payments violates 15 USC 1666 ( b ), 15 USC 1681i, and 15 USC 1681s-2, which mandate accurate reporting of credit information and ensure the maximum accuracy of consumer files. 
Fair Debt Collection Practices Act ( FDCPA ) : Reporting these inaccuracies may constitute a violation of the FDCPA, which prohibits misrepresentation of consumer account information.

Truth in Lending Act ( TILA ) : These inaccuracies violate the TILA, which ensures the accurate disclosure of credit terms and conditions.

Civil Liability : Articles 616 and 617 ( 15 USC 1681n and 1681o ) outline damages for willful and negligent noncompliance with FCRA requirements. 
Account Details : Account Number : XXXX High Balance : {$15000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$14000.00} Account Status : Open Payment Status : Current Creditor Type : Personal Loan Companies Payment Amount : {$320.00} Last Payment : XX/XX/XXXX Term Length : XXXX XXXX XXXX Payment History : 30-day late payment noted for XX/XX/XXXX ; 60-day late payment noted for XX/XX/XXXX. 
Discrepancies Identified : Inaccurate payment history : The reported 30-day and 60-day late payments are erroneous.

Inconsistent " Date Opened '' and " Date Reported '' compared to prior records. 
Requested Resolution : I request that Experian conduct a thorough investigation, remove the inaccurate late payments, and update my account to reflect my accurate payment history of XXXX XXXX on-time payments. I expect to receive written documentation confirming the correction within 30 days. 
Thank you for your attention to this matter. Please let me know if you require additional information. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Yesterday on XX/XX/XXXX I tried to logon to my account to unfreeze it and no matter what I did it didn't work. 
They asked for my email and social and then when I put the correct info it they said it didn't match their information. 

I tried to change my password and gave what they asked for and they said they would send a verification code by text and it never came. 

I tried the above at least XXXX times. nothing work and not verification codes came. 

I wrote them a letter a month ago and not response. 

I am completely unable to to access my account to unfreeze it and they do not provide any live person technical support and their automated system is not working. This is the XXXX day I have tried and nothing works and you can't get anyone on the phone.
Product: Debt collection

I paid off the debt XXXX XXXX and was told that the collection would be removed from my credit report. They have yet to remove this account from my credit report. It reported XXXX and XXXX as being past due and it is affecting my credit score. I have called and spoke with several reps that have stated " there isn't a supervisor available to take my call '' when asked to escalate me to one. This is reporting inaccurate information and needs to be removed immediately.
Product: Checking or savings account

I received a XXXX XXXX  cashier 's check for a car reimbursement. I didn't have time to cash at XXXX XXXX so I went to my bank of america. I went to pls first and they were going to charge me so I put it in my account mobile deposit. It said the funds would be available the next morning at XXXX XXXX 3 days later I'm being told it's another 4 days untill they give me my money. They said it was XXXX XXXX didn't pay the money and I went to XXXX XXXX  and it had been paid for over 24 hour 's. I'm a single mother that lost everything due to XXXX That money was our rent in our extended stay and to buy a car. Were now locked out of our apt with no car. Bank of america still won't budge or even tell me why.
Product: Credit reporting

Trans Union is not responding to my numerous requests to investigate, verify and remove the accounts from my credit report that were opened fraudulently.
Product: Debt collection

back in XXXX of XXXX, i called the water delivery company XXXX to cancel our service. at the time we had several 5 gallon bottles of water, it was agreed we would run through them and a final date of empty bottle pick up was established ( around XX/XX/XXXX ) the bottles were picked up as agreed. i received the final bill in XXXX and paid it. then in XXXX we received four more bottles. i immediately called XXXX to let them know that we did not want them and that the account was cancelled back in XXXX.they said they would fix it and pick up the water.at he end of XXXX i received a bill for the new delivery. i sent the bill back to them, writing on the face of it that the account was cancelled in XXXX. i then got a bill in XXXX for the same delivery. i wrote on the face of that bill, again, that the account was cancelled in XXXX and requested that they stop sending me bills and to come pick up thewater. they completely ignored both of my requests. i janurary we received another bill with surcharges. for the third time i sent the bill back, writing on it again that i was getting extremely frustrated with them ignoring what i'd written on the bills. to be honest, i included a bit of invective and commented on the incompetence of whoever was opening the bills i had sent back. so in februrary i got another bill which i threw out in frustration. in XXXX i got another bill and was very frustrated so i called XXXX to complain, inquire about the issue of them not understanding that the account was cancelled back in XXXX and to try to work out with them what exactly the problem was. i explained this whole saga in detail to the person on the phone, expressing my frustration. the way the call ended was that she would look into it, they would pick up the water that is still on my porch from last XXXX and they would make sure the account would be cancelled. i never heard from them until my wife received notification from a collection agency in the middle of may-the account is in her name. it was a generic letter with no reference to XXXX, whatsoever. when she called the collection agency, they sent the string of bills that i described above. i believe this was unfairly sent to collection i believe their company engaged in improper action. i have since called both XXXX and the collection agency and got the complete run around from both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S.C 1681 requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, and relevancy. 

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : *** Identity Theft- XXXX Account Number : XXXX *** Identity Theft-XXXX-Account Number : XXXX *** Identity Theft-XXXX- Account Number : XXXX *** Identity Theft-XXXX XXXX XXXX-Account Number : XXXX *** Identity Theft-XXXX XXXX-Account Number : XXXX *** Identity Theft-DP OF EDUCXXXXAccount Number : 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 further states that a consumer reporting agency can not furnish an account without my written instructions or consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : States that 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 crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States that 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

I have sent letters made calls back and forth to the Dept of Ed who tells me my account is closed paid in full and should not show any negativereport to the XXXX credit reporting agencies. Dept of Ed student loan claim Imust dispute any negative information with transunion XXXX orXXXX. I have done so many times and it continues to show multipleincorrect reports of missed payments. I have asked the closed accountsbe removed which are from more than 7years ago but all I get is ais a customer remarks added to their report claiming I never missedpayments. will they ever help me and clear my record so I can buy ahouse! I have sent proof to the agencies from my student loan companythat the accounts are paid what else do they need???
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Money transfer, virtual currency, or money service

Optum Financial has managed my XXXX account while I was employed by XXXX XXXX XXXX XXXX. In XXXX of XXXX I initiated trustee to trustee transfer request between Optum Financial and Lively, in which the funds were transferred directly between providers. On XX/XX/XXXX, this transfer took place successfully and I never had to take possession of these funds. However, in XXXX Optum Financial has issued a 1099-SA form for XXXX tax year, in which it claimed that I received a 30k+ distribution, which created for me a large tax liability to IRS. When I called Optum Financial in an attempt to correct this error, the customer service rep. ( XXXX ) told me that Optum has issued a check # XXXX that I cashed and therefore closed my account. Off course this wasn't true, and it never happened. The rep told me that there is nothing more she could do for me. At my request, the rep promised to email me and have a supervisor contact me about this problem. None of these things ever took place. I request that Optum Financial correct their error and reissue corrected 1099-SA form, so I can proceed to file my income tax return. I have all the necessary documents supporting my claim. I request that Optum Financial resolve this error as soon as possible, because I can not file my income tax based on their incorrect 1099-SA..
Product: Mortgage

I filed a complaint with the Federal Trade Commission and was directed to CFPB. 

SHELLPOINT HAS RECEIVED SIMILAR REQUEST BUT SHELLPOINT HAS NOT ADDRESSED THE QUESTION IN LEGAL MANNER. 

Shellpoint claims that the XXXX and XX/XX/2022 mortgage statement is different because the XXXX  is for XXXX XXXX XXXX Now, anyone with any sense knows that a XXXX is supposed to represent XXXX 2022- XX/XX/2022. 

Therefore, SHELLPOINT HAS NEVER EXPLAINED WHY THE 2022 XXXX AND MORTGAGE STATEMENT PRINCIPAL ARE NOT THE SAME. 

SHELLPOINT DEFRAUDED ME AND THE CARES ACT BY NOT APPLYING THE MONEY TO MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Bankruptcy Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Shellpoint mortgage was the 3rd services assigned to my note. The debt was apparently bought by six different Bank or mortgage companies just since XXXX, I've lived in my home for 20 years now. 

Advertisements Any way in XXXX my loan serviced by XXXX assigned by both XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX and XXXX however never filed a record of deed in my district courts of XXXX County in XXXX Record of deeds office. During that. Statement had recv a loan modification which extended my payment years bringing my 25 year note to a 32 yr note which within the first five years flattened out at a ride in interest fee to a whopping XXXX per cent and apparently added over XXXX to the balance of my debt. 

Not one company this note was service by was ever opened with a positive escrow like it should of but shellpoint leveled the playing field dirtier than any of them in the past..they sent me directly to foreclosure stating they had full control over account as of XX/XX/XXXX and sent me a notice to accelerate foreclosure proceeding as of XX/XX/XXXX EVEN THOUGH I HAD SENT THEM AND THE CS OF PRIOR SERVICER HAD SENT THEM OK ACCOUNT IN GOOD STANDING AND CURRENT DUE TO A MODIFICATION THEY JUST FINALIZED IN XX/XX/XXXX DIRECTLY THEN FLIPPING MY MORTGAGE TO US BANK ON XXXX XXXX XX/XX/XXXX. 

WELL THEY HAD FINALLY GOT A JUDGE TO SIGN THE MOTION TO DISCLOSE AFTER A BOTCHED BANKRUPTCY WAS DISMISSED NOT ONCE BUT TWICE.YET MY ATTY THE JUDGE AND THEMSELVES WERE PERFECTLY AWARE THAT THEY WERE CONTACTING ME THROUGHOUT THE BANKRUPTCY YET NO ONE ACKNOWLEDGED THAT AS ILLEGAL NOT EVEN MY BOGUS ATTY XXXX XXXX XXXX AND HER INCOMPETENT XXXX PARALEGAL STAFF. 

*******WHAT DID I DO.. I TURNED TO XXXX CONSUMER AND BLASTED SHELLPOINT FOR THE *** ID NOT ONLY GONE THROUGH SPECIFICALLY WITH THEM OVER TWO YEARS, HOWEVER THE WHOLE 18 YEAR PERIOD ID CONSTANTLY BEEN THREATENED OR HAD MONEY TAKEN TO PAY MONTHS ID ALREADY SUBMITTED PAYMENTS FOR. XXXX WELL IN XXXX GOTTEN EN ANIMAL FROM A AMAZING WOMEN/Paralegal to XXXX XXXX who is CURRENTLY GATHERING EVIDENCE AND HAS WRITTEN THE INITIAL FILING TO A CLASS ACTION LAWSUIT AGAINST CHECKPOINT LOAN SERVERS PLEASE GO ONTO THEWebsiteE AND FILL OUT YOUR ONLINE SUBmission http : /Gucovschi-law.com/mortgages
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. XXXX XXXX XXXX has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to XXXX XXXX XXXX was XXXX of XXXX. However XXXX continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The Credit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the Credit Reporting Agencies allowed XXXX  XXXX XXXX to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. 

Re-aged charge-off dates according tot the Credit Reporting Agencies XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ).

Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
Product: Checking or savings account

Capital One has been unable to process payroll direct deposits for the last full day ( at least ). From XX/XX/year> to XX/XX/year>. Myself and others have been told MANY different possible times this might be fixed by low level phone support agents. Many of those times have long since passed.