23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Hello Sir/ Madam, I was on the Approved Forbearance plan, and the mortgage company is reporting negative inquiries on my credit report, which is severely impacting my credit scores. I have talked to the mortgage company about it, but they are not willing to fix it.

They had reported 120 days past due on my credit report while I was on a forbearance plan.

The mortgage company 's name is Shellpoint Mortgage LLC and NEWREZ-SHELLPOINT. 
My loan number is : XXXX Please help regarding this matter, as I want the late payments to be removed from my credit report. 

Regards, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute a charge-off listed on my credit report for the account XXXX XXXX XXXX I recently reviewed my credit report and found that this charge-off is inaccurately reported. 

The account was reported as a charge-off on XX/XX/year>. However, my records indicate that I made payments on time following the initial late payment.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found discrepancies related to late payments. These errors do not match my usual payment behavior. Please make the necessary corrections and update my account.
Product: Credit card or prepaid card

On XX/XX/202, all of a sudden without any notification and commnucation, Amex closed 9 of my accounts and took away all my Membership Rewards points that worth over {$3000.00}. I was informed that a few past interactions was not very professional with customer support representatives. 

Right after I notched 9 of my accounts were closed my Amex yesterday, I immediately follow up the procedure to communicate and get help from the corporate office. 

I was decently polite and professional with an executive member over the phone to talk through the situation of the frustration I had with customer support representatives in the past. I truly want Amex to take a second look at the situation again and give each other a second chance moving forward. 

After talking to the an executive member, she told me she couldn't help to reopen my accounts. I tried talking to Amex Financial Review department to see if I could any help from them. However, I was by a Financial Review representative that she doesn't have the authority to do anything, besides documenting what we have talked in the conversation, which she did agree that I am a very respectful and fair customer. She suggested to keep calling the executive team again and have them take a look at her notes and listen to the recored phone conversation with her to have a second chance to reopen my account.
Product: Checking or savings account

In XXXX of XXXX, I was victim to a phone-spoofing scam that resulted in me losing a substantial amount of money ; I submitted a complaint with CitiBank 's fraud investigation system and the government, after which the funds were seemingly recovered and returned to that checking account. However, I have since been frozen out of the count and have never been able to access the funds myself ; I believe they are still being frozen under the pretense of investigation.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer credit report and I noticed that I had some fraudulent accounts/items on my profile. I'm referring to a hard inquiry from XXXX XXXX XX/XX/year>. Please remove this item from my report IMMEDIATELY because I did not authorize them and I do not recognize them. I never entered into an agreement or a contract with XXXX. Which makes this a fraudulent item, inaccurate reporting to my consumer credit report and a violation of my consumer rights under the FCRA. This fraudulent reporting is hurting my ability to obtain credit and is damaging my financial reputation. I demand for all forms of communication from XXXX to cease and for this item to be deleted from my consumer credit report.
Product: Bank account or service

I received a promotional mailer from M & T Bank stating that if I opened an EZChoice Checking Account with a minimum monthly direct deposit of at least {$100.00}, I would receive a {$150.00} bonus within 90 days of account opening. I opened my account on XXXX/XXXX/2015 with a {$100.00} initial deposit and subsequent {$50.00} weekly direct deposits. 90 days came and went with no {$150.00} bonus. I reached out to the XXXX ( Delaware ) XXXX to speak with XXXX XXXX, who originally opened my account. She claims I am not entitled to the bonus, because it had to be {$100.00} weekly direct deposits. When I opened the account in XX/XX/XXXX, I told XXXX XXXX I was going to make {$50.00} weekly direct deposits. She said nothing to the contrary. This is false advertising, plain and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cavalry Portfolio, a debt buyer, is reporting two items to my credit bureau, lowering my score. The original creditor, who I had history with and on time payments at one point, sold my account. Cavalry then placed this on my credit as a chargeoff, as if I never had any positive payment history. This is false and misleading. They did this for one reason, to get paid! This is infair and unjust! I have worked out an agreement, but this should be removed immediatley. to use my credit bureau against me, like a weapon should be illegal and moving forward prohibited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry showed up on TransUnion from XXXX XXXX Bank without a contact phone number. First premier website only gives contact information for existing card holders. 
Called TransUnion, and the only help they offered, after a series of unreadable chat exchanges ( & nbpb was repeated as the body of the text ) was the same phone number from the banks website, with the instructions to call the bank. Attempted to file a fraud alert on the FTC website, and their action plan included, as step one, to call the bank : the same bank for which there is no readily available phone number. TransUnion should never have allowed an inquiry from a company with an unavailable number, and they, as well as FTC should have accurate contact information, if that is what is going to be required to file a dispute. The inquiry alone has dropped my score, and I have no way to challenge it, short of snail mail, which could take weeks, during which incredible damage could be done.
Product: Checking or savings account

I was using a banking service for my Business, that I have used for four years. I had a client to pay an invoice this morning in the amount of {$1900.00} and went to use the business debit and checking card I have through Square, that I have had for 3 years. I attempted to pay a contractor via his desired payment method of cash app, and the transaction was declined. After that, I went to check my balance and the available funds of {$1900.00} was gone. I contacted Square who told me a hold was placed on my account with no details, and the hold couldn't be lifted until Monday when the team returns. I requested a supervisor and to no avail, wasn't assisted. I was told I would have to wait the entire weekend to have the hold reviewed and lifted.

My concern is that even Credit unions who aren't available on weekends, has a team available when these issues occur to prevent anyone from being without their funds. Square is unlawfully holding consumers funds, with no available team or persons to ensure the hold is legit and legal, and consumers have access to their funds. 

Now I am out of my funds, and have to prolong a contract with a client. I am a business owner, and now I can not conduct the service that a client paid me for in a timely manner, because I don't have the funds to pay the contractor. Now I have to explain this to the client and potentially look like a fraud. This has cost me a lot.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I disputed a ch XXXX bankruptcy that appeared on my credit file wanting the information in the report to be accurately validated and be verified by Lexis Nexis. 

Lexis Nexis had 30 days to do so upon request in the dispute or remove the public record because they could not verify the accuracy of the information. 

As of XX/XX/2018, I have not heard any response from Nexis Lexis. I  have contacted them on 3 occasions : 1st contact I was told that it was received and being processed. 2nd contact : I was told it was processed on the XX/XX/2018 and letter sent. I received a dispute alert from the credit bureaus indicating that I had initiated disputes with them. I found out that Lexis Nexis had initiated these disputes with the credit bureaus without my permission because I wasnt disputing anything with the credit bureaus. My dispute was for the inaccurate information the Lexis Nexis had in their file. 

Still I had not received a response from Lexis Nexis regarding my dispute with them. On my 3rd contact inquiring about my dispute, I was told that there was never a dispute letter received. By that time, I had received a letter from Nexis Lexis stating that the credit bureaus must have lost my disputed. I inquired about this letter while on the phone with the 3rd contact Representative. 

He, ( XXXX  ), which was a false name because I spoke to him before and he used another name, stated that he did not even see in my file any letters regarding a dispute and he had no idea of what letter they sent met, and that Lexis Nexis should not have initiated any dispute with the credit bureaus which also wasnt indicated in any notes in my file. He was just as confused as I was about the whole situation and apologized because he couldnt help me because of nothing being dictated in my file. 

I contacted the credit bureaus requesting information about this situation and was told that they information that they received came from Nexis Lexis and they are the furnisher of the public record 3rd party vendor of the public record and not the court. 

I am requested that this information be removed from my report for final resolution due to the activities of Nexis Lexis for their deceipt about receipt of my dispute with THEIR company and initiating disputes with the credit bureaus without my knowledge and/or written permission.
Product: Mortgage

During the recent disaster from Hurricane Irma XX/XX/2017, I reached out to the lender to provide payment relief, they gave us a payment deferral which they advised would get added to the lone, they then didn't provide any options as required by Federal Law and started threatening with Foreclosure if the full amount {$4500.00} was not paid in full.
Product: Credit card or prepaid card

I have disputed a charged with Current Bank, whom I bank thru and have all my direct deposits through. There was a charge of XXXX on my account. I have disputed this with the company and also my bank. The bank has told me to send in documentation in regards to my money being put back in my account that was back in XXXX, I haven't received a letter, email, or call in regards to my money. The purchased was made XXXX, I talked to one of the reps she stated that nobody had signed for the product that was ordered which means it was just ordered and sent without verification, she stated it was made online. I have no receipt, nothing in the mail in regards to this unauthorized purchase. I cancelled my card right away and got a new one and I have yet to see my money. Both companies tell me to reach out to each other its been about 3 months and I'm not going to wait longer because they didn't wait to allow somebody to use my card online to order things. Fast forward to today XX/XX/XXXX, I had been reaching out several times with absolutely no response, this dispute had been opened since XX/XX/XXXX and they responded last week rejecting my money after stating I would get it back, they dont have a direct contact, nobody can give me any type of information, the actual company cant even tell me anything all they know is that my card was used online and the address was used but it wasnt delivered to my door, our mail here the mailmen or XXXX or any delivery carrier drops packages at the front office. There is absolutely no packages with my name on there. I want to know who signed for it because what company ships out over XXXX $ in merchandise and doesn't require a signature. and the name they used was a company name so I want my money refunded to me expeditiously the same way it was used to make the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the accounts named " XXXX, '' and " XXXX XXXX '' I am requesting that these two accounts be removed from my credit report. There are inconsistencies and incomplete information on these two accounts in all three credit bureaus. The account named XXXX XXXX has inconsistencies and errors. XXXX  has incomplete information under the account information. The term of the account is missing. Also XXXX  is still reporting that I am still making payments on a closed account from XXXX to XXXX when they classified it as a charge off in XX/XX/XXXX. The High Credit amount is not shown and the term frequency says Monthly while XXXX  's information doesn't give a term. Also, the account number is missing completely in my Equifax report. Under XXXX  the last payment made is inconsistent with the information Equifax gave. My date of last payment is XXXX XXXX, XXXX while XXXX  says that my last payment date was XXXX XXXX, XXXX. Also, XXXX  has me current on payments from XX/XX/XXXX to XX/XX/XXXX. I don't have any open accounts with these creditors. Under the account named XXXX my XXXX  credit account has numerous unlisted information, it's incomplete. I want it removed from my credit report. XXXX  shows that it reach it's 90 day mark in XXXX XXXX when it was supposed to be charged off. While Equifax  says it was charged off in XX/XX/XXXX. However, XXXX  says it was actually charged off in XX/XX/XXXX. XXXX  says it was charged off in XX/XX/XXXX. There are numerous inconsistencies here. Equifax  listed the date the account was reported was XXXX XXXX, XXXX. XXXX  and XXXX  both says that the term was 8 months. However, Equifax  says the term frequency was monthly. Clearly there are much inconsistencies in the reports and I am requesting the removal of theses account. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included a screenshot insude the dates of XX/XX/2024, and XX/XX/2024. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, This complaint involves not only PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, NJ XXXX But all 3 Credit reporting bureaus, XXXX, XXXX and XXXX. In the previous year of 2020 my mortgage payments were reporting late on my credit report, negatively affecting my credit and lowering my score. The credit bureaus are operating out of compliance. Due to the fact stated in the Consumer Financial Billing Act. I should be contacted before anything is placed on my credit report that has the potential to adversely affect my report. Also, I'm given A certain amount of days to respond to offer an explanation. In this case I was never called, emailed or received A letter. 

Thank you
Product: Debt collection

I recently just signed up XXXX and upon looking over my credit report I noticed a new debt collection that has effected my score dramatically in which I was working on and making great positive results. I seen that it is a debt collection for an auto loan that was just opened in XXXX of XXXX and is in collections for {$1000.00} in which I know I have not applied for any car loans at all this year or last. I have 1 auto loan that was on my credit report which is through consumer finance and that amount was XXXX which during covid-19 I was working with XXXXXXXX XXXX and they were able to get this debt charged off my account which was opened in XXXX and charged off XXXX. I have not applied for any loans after that and the car that I have now I can not get registration for nor car plates so I know for a fact I would never qualify for a loan with my current vehicle. Also the new debt says it is being collected by national credit adjusters which I have never heard a d it is through XXXX XXXX XXXX but was only just opened XX/XX/XXXX also on all 3 credit reports it shows the account number for this to start with different abbreviations at the beginning. I have never received notice of this debt in the mail nor a phonecall the first time I learned of this is when I signed up for XXXX.
Product: Checking or savings account

Iam Filing a complaint regarding capital one 's failure to deposit my direct deposit from my employer, or any other deposits. They noted technical difficulties in their website and received an email stating that they were going to solve the issue by Friday morning of the date XX/XX/year>. This situation raises concern about consumers protection laws.
Product: Vehicle loan or lease

I am currently being garnished for a vehicle that I did not purchase. I have made several attempts to find out who purchased this vehicle in my name but was not successful. I reached out to General Sessions Court and the Attorney who was handling this matter and no one returned my calls. It has been very difficult for me to live financially with this garnishment coming out of my pay. According to their records the car was purchase when I was a minor.
Product: Credit reporting or other personal consumer reports

The list of accounts first premier bank account number XXXX has violated my federally. protected consumer and confidentiality under 15 USC 1681.VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c. ( A ) ( 5 ) SECTION STATES. NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION any OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

the Law Firm of Nair and Levine, debt collector for the XXXX XXXX XXXX XXXX XXXX, is taking me to court for a debt that I have disputed for over 7 years for exhorbitant billings based on estimates, and faulty equipment, which was on my credit report, then removed after I wrote the CEO XXXX XXXX explaining the situation believing he would see my good faith efforts in trying to resolve the issue that was placed on my credit not due to come off for another year and blocking me from obtaining a mortgage. Rather than a reply the matter was turned over to debt collector and a scheduled court date is XX/XX/XXXX. The company in the collection of this debt has threatened me, mispresented its billings, embarrassed me publically claiming I owe this bill when I have disputed it from the first billing. I have tried every way to resolve this matter that is only met with the alleged bill increasing in what I am said to owe, other issues including the malicious litigation that is scheduled this week. I continue to dispute this debt for which from the status conference on XX/XX/XXXX, it is obvious that the purpose is just to grant the company and debt collector judgment and taking action to secure money for them that I have strenuously protested through out that I do not owe. I have documents to support all my defenses and what I setforth in this complaint.
Product: Checking or savings account

my account bank was bridge on XX/XX/XXXX, I call the bank right away, I change my password right away, they did fraudulent transaction into my account, I went to the bank they close my account, they say it's a final decision with no explanation. I'm Victim of fraud and they treat me like trash. I'm bank of America customer for over years with no issues, overdraft or any transaction fraudulent. please help
Product: Mortgage

Me and my wife have a mortgage with XXXX, this organization choses Seterus Inc. to collect the monthly mortgage on its behalf. After I have lost my job for about a year, I was going to lose my house. Thank XXXX I found a new job back to XXXX last year and I started making payment to Seterus until I saved my home from foreclosure. Seterus had me and my wife signed a new agreement by taking us from 2 % interest to 4.5 % rate. We have accepted. However, We got surprised that from {$2300.00} per month, only {$230.00} was applied to the principal and it is been going this way from XX/XX/XXXX until now. The principal was {$380000.00} jumped to {$390000.00}, and after 9 months of payment on time, the principal is {$380000.00}??? 
We are working hard me and my wife trying to save our home, but the way Seterus is acting toward our situation is not helpful and needs to be adjusted. Since XX/XX/XXXX we have paid toward {$410000.00} the amount of {$250000.00} and we still showing {$380000.00} as the principal of the loan??? 
Please we need help, what should we do? Thank you. 
XXXX & XXXX XXXX
Product: Mortgage

My HELOC loan was transferred to Shellpoint from Specialized Loan Servicing. 
I called the company to find out why I was not receiving a monthly statement after the transfer. I received one statement in XXXX. I did not receive a statement for XXXX. I am not on paperless billing. I use the statements to properly manage my budget. 

My minimum payment with Specialized Loan Servicing was {$100.00}. 
I looked at Shellpoint 's website online, that showed a monthly payment of {$68.00}, and no payment due for XXXX. I am trying to pay off this loan making extra payments to principle. 

There should be no reason for them to not send me a monthly statement. I believe it is required by law. There should also be no reason for them adjust the minimum payment just to stretch-out and to extend this loan.