23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I HAVE BEEN CURRENT WITH MY MORTGAGE PAYMENTS FOR XXXX  YEARS. COMMUNITY LOAN SERVICING BAYVIEW LOAN SERVICING, LOAN # XXXX HAS BEEN TRANSFERRING MY LOAN TO SEVERAL LOAN SERVICING COMPANIES WITHOUT INFORMING ME ABOUT THEIR DECISSIONS. IN XX/XX/2022 THEY TRANSFERRED IT TO XXXX XXXX XXXX. THE PAYOFF AMOUNT WAS {$170000.00} AS OF XX/XX/2022 BUT NOW IT IS {$180000.00} AS OF TODAY, FOR THE LAST XXXX  MONTHS THEY INCREASED THE PAYOFF AMOUNT SUSTANTIALLY. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX OF XXXX XXXX XXXX WERE TELLING ME THAT THEY WERE WORKING ON MY LOAN MODIFICATION TO GET MY MONTHLY PAYMENTS STABLISHED AND WITH SAME TERMS AND CONDITIONS. THEY ASKED ME IF {$650.00} MONTHLY PAYMENTS WAS OK WITH ME i ANSWERED YES. I REQUEST THAT MY MORTGAGE ACCOUNT STAYS WITH COMMUNITY LOAN SERVICING BAYVIEW LOAN SERVICINB SINCE THEY WERE OFFERING ME HELP THROUGH THE GOVERNMENT PROGRAM SINCE I LOST MY JOB DUE TO XXXX. PLEASE I NEED TO FINISH WITH THIS NIGHTMARE. I AM A SENIOR CITIZEN DREAMING ABOUT TO HAVING SOME PEACE OF MIND AT MY AGE. GOVERNMENT PROGRAM WAS OFFERED TO ALL CITIZENS WHO LOST THEIR JOBS DUE TO XXXX  TO AVOID LOOSING THEIR HOMES AND I HOPE THIS GOVERNMENT PROGRAM REALLY IS TO HELP US TO KEEP OUR HOMES. I WORKED VERY VERY HEARD TO RAISE MY CHILDREN AS A SINGLE MOTHER AND ALSO PAYING MY MORTGE ON TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023 to update this suspicious information. I think you have not validated these accounts : XXXX XXXX Balance : {$130000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} I sent a request to validate them last time but they are still erroneously reported on my file This was already included in my prior COMPLAINT, and I'm including it again.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX  XXXX XXXX XXXX {$2000.00}, XXXX XXXX  XXXX XXXX {$280.00}, XXXX XXXX XXXX XXXX {$17000.00}, XXXX XXXX XXXX XXXXXXXX {$6500.00}, XXXX XXXX XXXX {$4800.00}
Product: Mortgage

To drop my PMI, Bank of America is insisting that I use their appraisal company that is charging {$570.00} to do a home appraisal. Home appraisals in this area are {$450.00} at the high end some are much lower. They are licensed by the State of Texas so I should be able to chose one on my own. So my complaint is that they are forcing me to use their appraiser and pay a much higher fee. They are also charging {$170.00} for a Stand Product Listing fee. 
It also took two request to get a letter from them that allows me to schedule their appraisers, then I have to mail it to them and wait on a response. They are slow to act and will not give you any information on the phone about if you are near the 80 % mark so you are just taking a chance and paying the large appraisal fee to maybe be told no your not quite there yet. They should look at the appraisal district which is usually lower and be able to give you an estimated time when you would be eligible and not just wasting money.
Product: Mortgage

XX/XX/2021 My hardship began on XX/XX/2021, my home was broken into, my wife and I were in stubbed multiple times. We were XXXX XXXX. I was XXXX  for over a month. I lost my income, so did my wife. We also lost our rental income due to the Covit-19 Pandemic. We were left in a very bad financial situation. It was hard to keep up with all our financial obligations. 
We reached out to Shellpoint Mortgage Servicing for help. We submitted a loan modification application. After six months reviewing the application, I was told that I would get an estimate trial monthly payment of {$2100.00}, with a dawn payment amount {$6500.00}. ( Please see attached email notice, proof of payments. ) On or about the XX/XX/2021, after the 3-month trial payments, we received a permanent modification agreement, with a new monthly payment {$3200.00}. A XXXX dollars higher than our previous monthly payments which were {$2300.00}. 
Shellpoint it is servicer with a very bad record on helping home owners. I am writing this complaint to also help other homeowners that have been harmed by Shellpoint.

Shellpoint failed to provide us with the available options for home owners, who lost rental income with the covid-19 under the New York Law, such as to have the arrears accumulated during our hardship period added to the back of our loan, with no additional interest, late fees, or penalties ; The option to assume our regular monthly payments of {$2300.00}.

We can not afford an increased of {$1000.00} in our mortgage payments. We should not be penalized for such horrible stubbing ordeal that my family had to endured.

BY THE INTERVENTION OF AN INVESTIGATION OF THE CFPB IT WILL HELP TO PROTECT MY CONSUMER RIGHTS, AND HELP ME KEEP MY HOME. 

Very truly yours, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

had cash app for years with no problems. I got scammed for {$900.00} and I was taken thru so much to get my money back. out of the blue my cash app was taken from me and deleted. I emailed multiple times and NO ONE RESPONDED!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) is inaccurately reporting XXXX late payments for XXXX and XXXX of 2020 on an old, closed and paid off credit card! I was never late on making payments when I had this card and when I spoke to XXXX in the past, they verified that I was never late as well and that the late reportings were due to fees. I was advised by XXXX that they would remove the late payments and update the credit reporting agencies with the correct information of no late payments. As of today, the XXXX inaccurate late payments still shows on my credit reports and have not been corrected! I previously had spoken with the XXXX department and was advised that this would be resolved and updated, however, whenever I send the dispute to update it, XXXX updates the same information, containing the XXXX late payments. This is frustrating and very stressful to my life!
Product: Debt collection

I received a letter dated XX/XX/2023 in response to a validation request sent by me. The information was sent via registered mail. All requested information was not sent. The information sent was ( letter response, transaction payment list, a digital buyers order, and digital retail installment agreement ). It was requested that Bridgecrest provide e-signature verification that displays electric record of esignature showing date, time, IP address, and device used to sign the agreement ( Not provided ). The response letter and documentation sent is not sufficient evidence to prove validation requirements. Also noticeable was there was no notice of right to dispute on Bridgecrest response
Product: Mortgage

I am the executor and sole beneficiary appointed in the Last Will and Testament of my late fianc and, the probate Court In our County He had stated to me that if anything happened to him, that the mortgage would be paid. I called Wells Fargo to inquire about this and what I needed to do. I was told quote. " I don't think we can do that because it's in bankruptcy. '' It was not. I also called the insurance company XXXX XXXX. And was told by the agent that wrote the policies " Get me a policy number '' and hung up on me. I again call Wells Fargo and was informed by an insurance dept representative that I had cancelled the mortgage insurance. The policies were not renewed in XXXX the decedent died on XX/XX/XXXX ; at which time the policies were in force for another year. I have asked for the insurance documents which I have been denied as beneficiary the Successor in Interest and as Executor of the estate. I filed a complaint with Wells Fargo about this and the estate issued a subpoena to XXXX XXXX. The documents provided included Reinsurance endorsement letters from Wells Fargo to XXXX XXXX. for the years. XXXX. XXXX. XXXX. XXXX XXXX XXXX and XX/XX/XXXX. After I requested the insurance documents, I filed the complaint with Wells Fargo, an executive representative responded in writing to the complaint stating that they had never sent any letters to anyone or any insurance company about the property and there are no letters like I had referenced. This was untrue as the subpoena proved. see page 2 & 3. According to the servicing rights from Wells Fargo about consumer reinsurance endorsement. consent. it states that the insurance endorsement does not cover homeowners or hazard insurance that protects the dwelling and your personal property. It covers your mortgage or Title insurance, see page 1 These letters from Wells Fargo ask that a reinsurance endorsement be issued for these policies if they do not meet a certain financial rating. I have been denied my rights as beneficiary and Executor. I was not told I could assume the loan without qualifying or refinancing the loan as I inherited. The law also states that the lender treats the Successor in Interest as if I were the borrower. This too has been denied me. Wells Fargo Bank NA has not been untruthful and deceptive regarding the wrongdoing perpetrated on the Estate and me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items and authorized inquiries, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items and authorized inquiries that concern me : DPT EDXXXX XXXX Balance {$740.00} DPT ED/XXXX XXXX Balance {$530.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX NORTH XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate bankruptcy information appearing on my credit report. Specifically, the following XXXX bankruptcy entries are being reported : Date Filed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries do not belong to me. Both entries are inaccurate and appear to reference the same case, yet they are reported as XXXX separate bankruptcies. This error is negatively impacting my credit score and overall financial standing. 

Previous Disputes : I have disputed this information with the credit bureaus on XXXX prior occasions, most recently in XX/XX/XXXX. Despite providing evidence that these entries do not belong to me, no resolution has been provided. 

Background : As a victim of the XXXX data breach, I am deeply concerned about the integrity of my personal information. Attached is confirmation of my status as a victim of the XXXX data breach to underscore the need for accurate reporting. 

Legal Grounds for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure maximum possible accuracy in credit reports. Reporting bankruptcies that do not belong to me and listing a duplicate entry are clear violations of this law. 

Furthermore, in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  the court emphasized the obligation of credit reporting agencies to conduct a reasonable investigation into disputed information. This obligation has not been met despite my prior disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern, I have recently received a copy of my credit report. The report had an account listed from XXXX XXXX a credit card. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. I provided a identitytheft report and a police report, backing my claim and nothing happened. 

XXXXXXXX XXXX  ( Opened XX/XX/2018 ) I am writing this letter to you in an effort to get this removed. Please delete your information from my credit reports. I have never had an account withXXXX XXXXXXXX. Someone opened this account in my name in 2018 please remove it immediately before further harm is done. I am requesting that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. This is a written dispute of this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me.
Product: Debt collection

Hi, Over a year ago I gave birth to my son and paid in FULL all hospital bills. However, they have continuously called me over the past year trying to collect money from a bill that was already paid. Despite the fact I have sent several times proof of payment to the hospital they continue to call me and now they hired a collector. I would obviously pay if I actually owed the money but this isn't the case. This is bringing a lot of stress and could possibly hurt my credit. 

I'm attaching the hospital bill + a copy of my bank statement were you can see that the payment was made + the letter I received from the collection agency. 

I hope you can help me with my problem. Have a wonderful day! 

XXXX XXXX, XXXX
Product: Debt collection

AFFIDAVIT : VERIFICATION OF DEBT 1. That I have the requisite knowledge of the facts regarding [ name of bank ] Account Number ENHANCED RECOVERY # XXXX including the credit card agreement, account ledgers, and bookkeeping entries ; is my experience that ENHANCED RECOVERY does not follow Generally Accepted Accounting Principles ( GAAP ) or the Federal Reserve Banks policies and procedures, and did not create credits from the Contract holder signed receipts, promises to pay, notes, or other instruments ; all material facts and terms and conditions regarding the alleged account, have been disclosed to the contract holder in the purchase agreement and promissory note. I request real proof that ENHANCED RECOVERY is the legit holder of a contract that can enforce a claim upon my person. 
.
Product: Debt collection

I am appalled at this debt collection post card I received at the beginning of XXXX from FIRST FEDERAL CREDIT CONTROL , INC . The alleged debt that they claim I owe was already paid upon arrival at my doctors appointment last year, XXXX its ridiculous that I receive something like this in the mail with everything going on today. You would think theyd have a little empathy. I have never agreed to do business or agree to any contract with FEDERAL CREDIT CONTROL , INC. Ive never given them any of my not only private, but also personal information. This is exploitation Theyve violated multiple USC codes with the letter as I exhibited it and made notes with disputes and have sent it back to them. I AM A CONSUMER. I have every right to point out that according to 15 USC 1692d, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. They have threatened to report me, a natural living person, to a national credit bureau if supposed debts are unpaid. According to 15 USC 1692e a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. According to subchapter 5 of 1692e they did exactly that. Theyve plastered their logos all over the invoice which is yet, another violation. I refuse to allow such abuse and mistreatment from a fraudulent company like this one. I am looking forward to their response wthin 30 days from the date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal
of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information.

3. Written confirmation of the actions taken to resolve this dispute.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding late payment records on my credit report, which I strongly believe are incorrect and potentially linked to a data breach : XXXX XXXX XXXXXXXX - {$15.00} XXXXXXXX XXXX XXXXXXXX- {$2600.00} XXXX XXXX XXXX - {$0.00} These records do not reflect my actual payment history, yet despite my repeated efforts to correct themproviding documentation and following up diligentlyno changes have been made. This ongoing issue has hurt my credit standing and caused unnecessary frustration. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to an accurate credit report. Any incorrect, outdated, or misleading information should be updated or removed immediately. I urge you to take swift action to rectify these errors. 

Given the impact on my financial health, I ask that this issue be prioritized. I look forward to a timely resolution.
Product: Debt collection

I have disputed a medical bill because they will not provide the details of the bill or any information of the bill. I see that it was removed from my XXXX credit report but continues on my XXXX report. I would like it removed from all of my credit reports.
Product: Credit reporting or other personal consumer reports

I am rejecting this response because : XXXX XXXX XXXX recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, XXXX has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted XXXX XXXX XXXX providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. XXXX XXXX XXXX failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
XXXX XXXX XXXX continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that XXXX XXXX XXXX adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Product: Prepaid card

The gift card was XXXX $ so I was able to buy something in-store at for XXXX dollars the XXXX of XXXX, XXXX but when I tried to buy something on XXXX on XX/XX/XXXX, the website kept saying declined.
Product: Credit reporting or other personal consumer reports

I been to get these fraudulent accounts removed due to a victim of identity theft I have police resports as well for proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong hard inquiries on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a hard inquiry from Sync/XXXX  on XX/XX/20. On XX/XX/20, I was at XXXX 's and they asked if I wanted a rewards card and I specifically asked if it would run my credit and was told no. I explained that I was in process of trying to buy house and did not want to apply for credit card and they guaranteed me it was only a rewards card for coupons, like XXXX XXXX XXXX. They said the info needed was just to verify my identity. They lied