23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have fallen past due on my mortgage on XXXX of XXXX after getting sick from XXXX XXXX which caused me to be out of work and loose income during this time. Soon after I reached out to Shellpoint and requested a forbearance program. Recently I tried to request for mortgage assistance under the XXXX XXXX programs. On my last conversation with Shellpoint on XX/XX/XXXX they advised me I was declined for modification because a failed XXXX  stating my home has equity and that is the reason they could not help me. My understanding is with the increase in home values most all homes have equity, and this would mean they are not helping any homeowners if it doesn't benefit the lender. Also, on XX/XX/XXXX Shellpoint advised me my home loan is no longer a XXXX XXXX loan and that my loan was sold off to a new investor on XX/XX/XXXX and with the new investor they do not have a Partial claim program placing the amount I'm past due due to the XXXX forbearance towards the end. I believe there is predatory lending happening because before the loan was transferred to a new investor, they knew I was past due and also knew there was equity in the home. I feel this new investor is purposely trying to foreclose on my home. The only offer they gave me was for me to pay {$5600.00} down payment and produce payments of {$1400.00} per month which I told them I could not afford. The denial I attached shows the XXXX  results to be incorrect and per my research other homes have been saved showing the same XXXX  results. As well on the Denial letter dated XX/XX/XXXX shows my loan to still belong to XXXX XXXX but I was told otherwise on XX/XX/XXXX by Shellpoint. Shellpoint initiated foreclosure on XX/XX/XXXX while I was in review for assistance as per CFPB guidelines I feel Shellpoint is violation of Dual Tracking laws of foreclosure as well as Failure to perform and Negligence. Shellpoint and its investor knew I was past due on my mortgage before it was transferred to the new investor and are not willing to offer me a loan modification to save my home. On number XXXX on the XXXX  it shows the investor is Shellpoint but on page XXXX of the Denial Letter it shows XXXX  XXXX XXXX XXXX  XXXX Something is illegal here!
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 i received a notification via email stating a XXXX XXXX XXXXXXXX card ending in XXXX was unlinked to my cash app. I immediately checked my account and noticed XXXX $ transferred to the XXXX XXXX XXXXXXXX. I instantly contacted cash app support to let them know the transaction was fraudulent and that I DID NOT authorize this transfer. The support team refunded me XXXX $ because the account in fact did not belong to me. But it would take 10 business for them to investigate. A day later, I received an email stating I authorized the charge when I was totally unaware of the transaction. I filed a police report ( incident # XXXX ) and i also emailed them a copy of it but the support told me the decision is final. I use cashapp as my primary bank therefore I cant do a chargeback and I have no money to pay my bills, eat, or even get gas due to this negligence. I really need help in getting an immediate reversal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX REFYSED TO RENEW OUR LEASE IN XX/XX/XXXX DURING COVID19 AFTER WE RWPORTED THEM TO HUD AND TO THE XXXX XXXX XXXX XXXX INSPECTORS FOR LIVING IN AN UNINHABITABLE HOME. BEFORE WE WENT TO COURT IN XX/XX/XXXX WE CALLED THE MANAGER OF XXXX XXXX  AND TOLD HER WE HAD ALL THE MONEY PLUS LATE FEES TO CATCH US UP PLEASE RENEW OUR LEASE. SHE SAID NO WE DONT HAVE TO RENT TO YOU. THE JUDGE TOOK INTO ACOUNT THAT WE FIXED THE HOUSE UP AND TOOK A BUNCH OFF THE TOTAL LEAVING A BALANCE OF {$2200.00}. SHE REPORTED THE INFORMATION TO ALL 3 CREDIT AGENCIES. XXXX TOOK IT OFF IN XX/XX/XXXX BECAUSE XXXX XXXX IS REPORTED THE WRONG INFORMATION SAYING I OWE {$6200.00}. XXXX AND XXXX HAVE NOT. I HAVE BEEN DISPUTING THIS SINCE XXXX WITH BOTH XXXX  AND XXXX  STILL TO THIS DAY. I HAVE TALKED TO XXXX XXXX AND THEY REFUSE TO TAKE IT OFF AND SAID THEY WOULD MAKE SURE I WOULD NEVER BE ABLE TO RENT OR BUY A HOME AGAIN. TGEN TODAY XX/XX/XXXX MY HUSBAMD AND I TALKED TO PROFESSIONAL COLLECTION THAT HAS THE ACCOUNT TO XXXX XXXX AND SHE SAID AND I QUOTE ... ... '' WE DONT HAVE TO VERIFY THE INFORMATION ON THIS ACCOUNT BECAUSE WE HAVE A CONTRACT WITH XXXX XXXX  '' THIS Was SAID AFTER I ASKED PROFESSIONAL COLLECTION HOW THEY VERIFIED MY DEBT TO XXXX AND XXXX NOW DUE TO PROFESSIONAL COLLECTION NOT VERIFYING DEBT AND XXXX HXXXX FOR REPORTING THE I CORRECT AMOUNT, AND FOR XXXX  AND XXXX NOT LOOKING ON BOTH SIDES. I AM UNSURE IF I WILL BE ABLE TO GET A MORTGAGE NOW.
Product: Mortgage

I started a refinance process with Lakeview Loan Servicing on XXXX/XXXX/15. Since starting this process, it has been an absolute nightmare. It started with me constantly requested a copy a of appraisal and not receiving if for 6 weeks .... until I filed my first complain with the CFPB. When I filed my first complain XX/XX/XXXX, the company finally started to work on my loan application and things began moving along. The loan finally moved to underwriting where I was told I would have to bring almost {$900.00} to closing. Mind you, I have an email from XXXX/XXXX/15 that states the only out of pocket costs I would incur was the appraisal fee, which I had already paid. So not they want another {$900.00}. I told them I felt misled. They then stated I needed to have a condo questionnaire completed .... another {$200.00}, what happened to that {$410.00} that was supposed to be my only out of pocket expense? Fine, I had everything completed and moved ahead, I was told they had everything they needed. I had n't heard from them in awhile so I send an email yesterday to check up on things. I received an email back stating the loan was held up in underwriting due to a litigation with the HOA. They never told me about this ... I only found out because I emailed them. Coincidentally I received an email yesterday from my HOA manager stating she had sent several emails to my loan processor and provider him with her personal cell phone number because he asked her for some documentation and the loan processor never responded. The HOA manager is neighbor/friend who is going out of her way to do something extra for me and the loan processor did n't even have the decency to respond to her. This constant lack of communication is unacceptable. Being put on the back burner time and time again is unacceptable. Being told I will only have to pay the appraisal fee as my out of pocket expense and then being told 2 months later that I need pay another {$900.00} in closing fees and {$200.00} for a condo questionnaire is highly misleading. I would not have even started the refinance process had I known that all of this was a possibility. I even told the loan originator that on the phone when I called regarding their refinance offer. I told him up front that I did not have extra cash to bring to closing and that last year I went through the process with another bank where I was told my appraisal was my only out of pocket expense and then they wanted {$2000.00} in closing costs. I was very explicit when I said I did not want to waste anyone 's time if that was a possibility this time around. But here we are, over 2 months later and they are backing out of their word. And yes, I have the email where this is guaranteed. I am tired of this process. I am tired of fighting with this bank. I am tired of having to check up on them like they are children to make sure they are doing their jobs correctly. I have my own job to do, I ca n't do their jobs as well as mine.
Product: Mortgage

1- Customer Service is not available. Contacting the LoanCare Mortgage experience is horrible ; robot/ answered machine lead to end calls. Last month, waiting time prompt as 1 hours!. After several temptations, I had to call the previous mortgage (? ) to connect to this mortgage ( HomeLoan ) (?? ). The process took 3 days with many long waiting time. Just today, wait time estimated about 2 hours because technical problem.

2- Menu changed to unfriendly used. Took out the options from original loan, which is I can make extra payment occasionally. It changed to default monthly. In the other hand, I feel this change is a dishonest business.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized on my credit report. These only show up on my TransUnion report, which is weird. These need to be removed : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorizeXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

Capital One has agree to delete both accounts from my consumer profile with the response reported by the CFPB they stated that capital one trade line is to be deleted due to inaccurate reporting. These accounts are still not reporting accurately on my consumer reports please remove both accounts from all my consumer reports that you do not have my permission.I will pursue legal matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had my credit pulled to purchase a new home and my current servicer, Nationstar/Mr Cooper has not reported my mortgage to the 3 major credit bureaus since last XXXX and the last payment they reported was 30 days late which is inaccurate and I have called and tried to discuss and have corrected and have not had any luck. I have called numerous times to try and get them to report my mortgage to the bureaus and even done a conference call with the company that pulled my credit and have had no luck. I am at their mercy to close on my new home as the lender needs the mortgage reporting and reported accurately.
Product: Mortgage

I applied for a modification, the bank modification department gave me a payment plan to follow, I would know the outcome at the end of the plan. I followed the plan as requested, but the bank failed to notify me of the outcome, I kept calling and asking what to do, the loan officer never answer my calls, the customer service department kept telling me to keep sending the amount as per payment plan. After a couple of months, I made the decision to start paying more to catch up with the normal payment. The collection dpt. started calling me saying I was late on the payments, I kept explaining to them about the situation, and they kept giving me the run around within the different departments ; Although they knew I never got an approval or denial letter, they still reported my account as past due with the credit agencies. I 've asked them to view my payment history showing never late, just following the payment plan, but the bank refuses to remove the bad reporting from the credit reporting agencies. 
The purpose of this complaint is to ask Citi mortgage to immediately remove the bad credit report from all the reporting agencies. 
This is not accurate reporting and has been hurting my ability to refinance and improve my quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter to the credit bureau about incorrect information on my credit report. They replied with a letter that claims an account is not reporting however, it is still on my credit file. They never replied with the request made in the letter.
Product: Credit card or prepaid card

I have an Chase credit card Visa Signature, Mileage Plus Awards. 

On XX/XX/XXXX I wrote a convenience check ( balance transfer check ) from my Chase Visa card for the amount of {$3400.00} and mailed it to XXXX XXXX. On XX/XX/XXXX Chase posted the payment, and listed that XXXX XXXX had cashed the check. 

XXXX XXXX have refused to credit the amount to my XXXX XXXX credit card. Chase supplied me with a copy of the check, front and back, but there is no endorsement information on it. XXXX XXXX has asked Chase to run a " trace '' on the check, but Chase have said they can't do that. 

Without more information from Chase, XXXX XXXX are not accepting responsibility for the lost amount, even though Chase has told them that XXXX XXXX cashed the check. 

On my last call with XXXX XXXX, they said that without more information from Chase, " We assume that some other party called XXXX XXXX cashed the check, but not us. '' It's absolutely ridiculous. 

Meanwhile I am being I owe both XXXX XXXX and Chase {$3400.00} each! Grand total {$6900.00}. 

I have spent hours making calls and explaining the situation over and over again. I have been on numerous calls with both banks, even conference calls with both banks at the same time. Chase assures me that XXXX XXXX took my money. XXXX XXXX keep asking me to ask Chase for more information. Chase tell me they have given me all the information they have. Meanwhile, I am caught in the middle. 

I don't know how else to resolve this, I need some urgent help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never moved here this is identity theft. This is what my credit report is stating. 
XX/XX/XXXX XXXX XXXX account. {$3800.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$3800.00} Balance updated XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I received a letter from a supposed attorney working for Professional Finance Company. He only identified himself as XXXX XXXX. There is no law firm contact information at all. He only suggested me to call Professional Finance Company to pay the alleged debt. He threatened to take legal action on this matter and seek judgment against me. 

He states that he will not initiate any legal action until I have exercise my rights ; which I did a year ago ( XXXX, XXXX ). I requested a validation of my debt ( a detail statement and a copy of the contract which bears my signature ) the only paperwork that I received was a copy of a statement which included the name of the " original creditor '', interest rate, interest accrued including fees and total amount due. 

I sent them a second letter stating that I needed more information on the debt and they kept sending me the same statement. PFC said it was all they needed to provide to collect the debt from me. Which I didn't agree and they reported me to the credit bureaus. To stop this misleading information, I decided not to fight it with them nor the credit bureaus. 

After a year ( XXXX, XXXX ), they threaten me to take legal action against me but they keep sending me the same statement but now with a different account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account has been too old to be on my credit report so I want it to be removed right away.
Product: Credit card

If you have any questions or would like to provide additional information, please feel free to contact me at XXXX XXXX. I am typically available XXXX, XXXX XXXX p.m. ( ET ). XXXX of the XXXX XXXX XXXX XXXX XXXX neither answers nor returns calls.
Product: Credit reporting or other personal consumer reports

The removal of these unauthorized fraudulent accounts from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. Written documentation that I opened this account. They could not provide that information. 

XXXX - WFBNA CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having trouble submitting my Identity theft Police report to TransUnion. Rather, to have TransUnion accept my Report. TransUnion has made the determination that my " ID Theft Report not valid. '' Could someone at CFPB look at my Identity theft Police Report and tell me the reason or reason it is not valid? I have reached out to TransUnion by letters, but have not yet received a response to any of my letters as to why my Identity Theft Police Report is not valid. 
Likewise, I have brought the TransUnion letter to the XXXX Police Department. The Detective, XXXX XXXX, assigned to my Identity Theft Case does not know the reason why TransUnion has determined that my Identity Theft Police Report is not valid. 
Also, could someone at CFPB tell me what is the criteria that makes or does not make an Identity Theft Police Report not valid? If I have that information, I can inform the XXXX  Police Department to make the correct changes that would make my Identity Theft Police Report valid, so I will be able to submit a valid Police Report To TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT CT GA XXXX # XXXX LEXISNEXIS IS IN VIOLATION OF 15 USC 1681 ( a ) ( 4 ) They Infringed upon my right to privacy as a consumer.

( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

LEXISNEXIS IS IN VIOLATION OF 15 USC 1681b. ( a ) ( 2 ) I never gave them written consent to furnish this information. There is no such thing as public information a consumer has a right to privacy. 

a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$16000.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of account that does not belong to me or was opened without my permission. 

XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/2017 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.