23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I own a high-end rental property in XXXX, CT. It rents for almost {$5000.00} a month. I had a tenant who lived in this home for 14 years. Unfortunately, this tenant lost his job in XXXX and did not pay for over a year and I ultimately had to evict him. I got behind on my mortgage payments because of this and ShellPoint Mortgage Company threatened me with foreclosure. 

However, in XX/XX/XXXX, ShellPoint Mortgage offered me a formal Repayment Plan. Per the terms of the plan, I needed to pay {$25000.00} down and then pay {$6000.00} per month. There was no explanation of how the amounts were determined. The Repayment Plan included an option to appeal. Furthermore, the Repayment Plan stated that I did not need to make the full payments until the appeal was resolved. 

From my perspective, the payments seemed much higher than I had expected, based on the amount I owed ; so I submitted a formal appeal on XXXX XXXX. I received a response from ShellPoint on XX/XX/XXXX, that addressed the first two points of my appeal. However, the third point of my appeal was not addressed. On or around XX/XX/XXXX, I received a letter in the regular mail from ShellPoint stating that my matter was complex and asking for more time. On XX/XX/XXXX, I had not heard anything, so I sent an email reminding ShellPoint that item # 3 of my appeal had not been addressed, I did not get a response to my appeal during XXXX, so in XXXX I again sent an email to remind them that my appeal had never been answered. I also pointed out to ShellPoint that their team had made a mistake in calculating the payments of the Repayment Plan and the payments were overstated by over {$800.00} per month. 

At this time, ShellPoint advised that I missed the cutoff for the original Repayment Plan because I did not make the payments in XX/XX/XXXX. They advised I would need to apply for a new Repayment Plan and would need to submit multiple documents to see if I could get approved. I reminded them that the original Repayment Plan included a right to appeal and that payments were not required until the appeal was settled. I advised them that it is unethical and perhaps illegal to refuse to honor the Repayment Plan. However, they refuse to honor their written word. 

During the month of XXXX, I had emailed my ShellPoint contact to see if I could submit the regular payment while waiting for my appeal to be completed. I was told that any payment not for the full amount ( even though the amount was overstated ) would be returned to me.
Product: Debt collection

Credence Resource Management purchased a debt from XXXX XXXX another debt collector that had previously been disputed with XXXX  and removed from my credit. It was placed on my credit again under Credence Resources Management. I do not owe XXXX XXXX or Credence Resource Management money nor do I have a contract with them to pay. Per the FCRA this entry must be deleted from my credit immediatly as it violates my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI filed Bankruptcy/case number is XXXX. Attorney XXXX XXXX added XXXX XXXX XXXX  XXXX without my permission. I was discharged in XX/XX/XXXXfrom wageearner. The case number was XXXX, XXXX XXXX was my mortgage. I learned he was working with XXXX XXXX/aka XXXX XXXX XXXX who posed as a paralegal with the XXXX XXXX XXXX. The XXXX Family have been working with an attorney name XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Tennessee XXXX. My credit report shows the date for XXXX XXXX XXXX XXXX purchase was for XX/XX/XXXX. Which is impossible because that is the year I originally purchased the property at XXXX XXXX XXXX XXXX TN XXXX. I told the trustee XXXX XXXX I was a victim of identity theft. I was told to notify my counsel. Neither Attorney XXXX or Attorney XXXX XXXX XXXX would listen to me. The sell of the property was done without my presence. I never received anything. All the information I now have is what I 've pulled. My mail was being stolen. A attorney was kind enough to pull information for me. XXXX County Register office sent me a copy of the deed. The number is XXXX. It shows the property was sold for {$18000.00}. Yet a XXXX was reported to IRS using The Department of labor Federal Identification number. Which is XXXX. The amount reported to IRS in XX/XX/XXXXon the XXXX is {$23000.00} + {$9900.00} using my social security number. Account number XXXX was referenced. A different address was used for Tennessee Housing Agency. The address reported to IRS is XXXX XXXX XXXX XXXX XXXX. The address on the deed for Tennessee Housing is XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX. I received a letter from IRS dated XX/XX/XXXX. They are still investigating the XXXX identity theft form I sent them. These people needs to be prosecuted. IRS sent me the transcript in XXXX. I recently learned of this fraud. Court documents have been tampered with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute incorrect information on my credit reports regarding XXXX. I sent several letters to all 3 credit bureaus as well as XXXX asking for this account to be removed from my credit bureaus. XXXX never responded to my complaints. They, nor XXXX, XXXX  or Experian provided proof that I ever had an account with their company but they all continued to report the account as accurate. I would like these companies to provide me with written proof of any contract that I ever signed with them. If they can not provide me with proof, I would like it removed from my bureaus.
Product: Credit card

US Bank has closed XXXX accounts and XXXX out the credit limit on XXXX other credit card accounts and has confiscated about {$9000.00} worth of reward points without warning. No letter has been sent advising reasons for the closure. Repeated request for comment by the company has been left unanswered.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX  XXXX Account number : XXXX Inquiries : 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 XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

FRANKLIN COLLECTION SV is trying to collect a debt that was the result of Identity Theft. I've sent a letter to them and have yet to hear back from them concerning this debt that is not mine. I am asking for your help to resolve this matter so that I can continue with my credit not being effected by this information.
Product: Debt collection

On XX/XX/15 I received 6 consecutive calls from Navy Federal in the span of 4 minutes. I was expecting to receive collection activity, but felt harassed by the excessive amount of calls literally back to back.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX XX/XX/2024 NELNET XXXX XXXX XXXX XXXX, OR XXXX Dear Nelnet, I am writing to bring to your attention an issue with the reporting of my student loan account. According to my records, the debt on my student loan has been SATISFIED, but it is still being reported as outstanding on my credit report. 

I request that you update your records and report to the credit bureaus that the debt on my student loan has been satisfied. 
I understand that errors can sometimes occur in the reporting of loan accounts, but it is important for my credit report to accurately reflect the status of my loan. I hope that you can correct this issue promptly. 

I would appreciate your prompt attention to this matter and confirmation once the changes have been made to my credit report. If you require any additional documentation or information from me, please let me know. 

Thank you for your assistance in resolving this issue. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX,, NV XXXX XXXX XX/XX/year> Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear Credit Collection Services, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ).

As a customer of Credit Collections Services, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing NPI. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties.

My concerns are as follows : 1. I have not received any of your privacy notice and disclosures.

2. I have received no information on this matter only a bill saying I owe XXXX XXXX 

To resolve this matter, I kindly request the following : 1. Confirmation of whether my nonpublic personal information has been disclosed to third parties.

2. A copy of your current privacy policy, as required under 15 U.S.C. 6802.

3. Immediate cessation of any information sharing that is not explicitly authorized by me.

4. Instructions on how I can exercise
Product: Credit reporting, credit repair services, or other personal consumer reports

I first sent dispute to experian on XX/XX/XXXX in regards to PAID collection private student loans. ( While in school my dad who paid for my college became sick and could not work so we got behind on my tuition then caught up with everything so it is now PAID. ) I would like for those two negative but yet paid accounts to be removed from my reports as it is causing anguish and considerable amount of damages to my reputation. I am unable to get approved for other things such as jobs, and extending other credit. Upon me doing research to try and make my life better by getting these items removed I found this law 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By continuous reporting inaccurate information without my written consent first, experian you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974. 
Pursuant to 15 U. S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs 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 and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. My character is being annihilated yes the accounts were PAID but upon just looking at my reports all one would see is collection which is negative and seems as if I am not responsible when that is not the case at all. Please delete these accounts from my credit report as I NEVER gave WRITTEN consent to furnish in the first place.
Product: Credit reporting

Accurate background check list me having lived in States that I have never lived in including a State I 've never been to.
Product: Credit card or prepaid card

Sychrony bank has misleading and fraudulent information about their no interest promotion. I was told that their would be no interest added to my balance, yet they keep refinancing late fees into my loan by using their own made up policy. My minimum payment contract was agreed at XXXX dollars a month and now it is XXXX dollars a month, without any notification of this change, through any document or new contract.. I have attached the disclosure statement and their is no information about financing late fees into my loan.also in the billing statement their is no information of financing late fees into my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I am filing a complaint over unknown address on my credit report I have been trying to block access to my credit report do to the fact that someone is using my personal information. I am requesting a Block/Freeze on my file until I can get things straight. Please remove the following addresses from my credit file they are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX OH XXXX I have number on my report that are not my please remove/delete the following : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Mortgage

This is the second complaint I've had to file against Flagstar Property Loss. Flagstar sent me the final reimbursement payment from the major water damage to my condo that initiated in XX/XX/XXXX and was finally resolved XX/XX/XXXX. I paid out of pocket so that the construction could move forward and was to be reimbursed. Attached is an email of the second and final reimbursement check in the amount of {$39000.00} issued on XX/XX/XXXX. The check was received in my mailbox several days AFTER I had left the country for an extended period of time. I informed Flagstar of this several times prior, asking them to expedite the reimbursement check. Intentionally, they withheld it. I communicated with them several times while out of the country informing them that the check was valid for 180 days, I had a copy of the check and that it was in a safe holding in my home. Several times, I communicated to them that I was in receipt of the check and would deposit it upon my return. On XX/XX/XXXX, I deposited the check to my credit union. On XX/XX/XXXX, I received a notice from my credit union showing the check had a stop payment and was returned, deducted from my account with a service charge. When I spoke to the supervisor XXXX ( ID # XXXX ) from Flagstar Property Loss at XXXX PST XX/XX/XXXX, she informed me that my credit union returned the funds to them with no explanation. She further informed me that a new check was already reissued to me and in the mail as of XX/XX/XXXX. When I asked for a copy of the check and the check number, her story changed to they were currently the process of reissuing the check and did not have a check number. I asked for an email confirmation that my credit union returned the check for no apparent reason, along with a copy of the new check. I have not been provided that information as of yet. My credit union confirmed there was a stop payment on the check which was why the check was returned. Flagstar has habitually lied to me, acted negligently throughout this entire process, have intentionally withheld funds from me and now illegally placed a stop payment on a reimbursement check and lied again.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was stunned to see that it now contains incorrect accounts, and I dont understand why. I always check it and everything has been fine until today, but suddenly, these discrepancies popped up. I refreshed the page, hoping it was just an error, but nothing changed. Because of this, Im requesting that the documents I provided be carefully examined so I can rest easy, knowing this wont happen again.
Product: Consumer Loan

I had my car loan from First Niagara Bank since 2015 but was changed to Key Bank, since the first payment made I have had issues with Key Bank properly posting my payments. On the first payment, the remaining or extra amount that I had sent was posted to the following months payment even though I specified that I wanted it posted to the principal. Then for the following 2 months, my payments, which have all been sent in on time are showing up on their end as late. I have also received XXXX late fee charges for this. This month, once again my payment was not posted correctly because my minimum payment for the month is twice as much. I have to spend hours on the phone every month to correct what is being done wrong and every time I am told that it will be fixed yet it continues to happen.
Product: Credit card or prepaid card

I went to bank of America to cancel all accounts including my credit card account. My credit card was never cancelled and was charged without my knowledge. I am buying a house and checked my credit report to find I have a delinquency on a bank of America credit card that was supposed to be cancelled. I have contacted Bank of America and they have not been able to clear the charge from my card nor have they been able to remove the delinquency from my credit report. I have been transferred to 5 or more different people while on the phone with bank of America while requesting the card to be cancelled and charge to be removed and delinquency to be removed from the credit Report. I have never missed a payment in my life and have had a very high credit score until this incident. I am currently on the phone with them for 1 hour and 15 minutes.
Product: Credit card or prepaid card

I have had a Target card since 2015 and has never missed a payment with Target. I also have many other cards on my credit report with a 100 % payment history. Target XXXX recently reduced my credit limit from XXXX to XXXX, when I called to inquire, the response was it was the credit bureau decision. Most recent Target XXXX decreased my credit limit again this time to {$900.00} which was a huge impact on my credit report impacting my credit utilization ratio. Target XXXX is not able to provide me with a reason why they are constantly decreasing my credit limits even though I have no missed payments. I work for XXXX as a XXXX making well over XXXX yearly and I dont understand why my credit limit is being decreased as well as no one can explain why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the month of XX/XX/2019, I found a collection account on my credit report which I have no knowledge of. I sent a request for debt validation on XX/XX/2019 addressed to XXXX XXXX XXXX. This company never sent me any proof whatsoever in regards to the collection account which in turn they are reporting to Equifax and it is damaging my credit which affects in so many ways. After waiting over 30 days for a response from this fraud of a company, I never got one! Finally I decided to dispute through Equifax thinking they would demand this company to show proof or validation but they are also a big disappointment since they just verified and said the account would remain on my report, just like that without any proof, incredible? When I contacted Equifax I did it in writing through the United States Postal Service certified mail and provided them with copies of all the letters I had sent XXXX along with proof of signature receipt from the USPS, and they answered through paper mail, and never provided any evidence that these people have a legitimate right to be reporting this adverse information on my credit report. They have never provided debt validation which is my right under the credit protection laws. I would like for you to please investigate this matter and get Equifax to remove this information from my credit report as soon as possible.
Product: Checking or savings account

Between the opening of my account to current I have had multiple issues with excessive fees, overdrafts ( when I have alerts for over draft ), and when account overdrafts they charge more fees. I have disputed this multiple times with Wells Fargo and nothing gets done about it.
Product: Checking or savings account

Opened a personal account in XX/XX/2022, starting in XX/XX/2022 there was a compromised account issues. I requested a new account be created due to the issues that was still taking place. They stated a new account would be created and Fraud Department would address this matter moving forward. In XXXX  alone I had to file 70 disputes yet USAA refused to provide me a new account after I requested multiple times. I made the decision to apply for a new account and they denied this application request. Forcing me to keep an unsecure account resulting in fraud continuing to happen. They made the decision in the middle of the night to close all of my joint accounts and my spouses personal account that my name isn't attached to. Resulting in USAA to stop all the disputes I had to complete due to there failure they automatically closed them froze the accounts in a credit only mode and are withholding all of income for XXXX for 60 days. So we are now having to go to arbitration with USAA and causing us to potentially be evicted and unable to get food for our three kids. Our income is VA XXXX  and Social Security. We have also been charged with insufficient fund fees which they were not aloud to do as well. We have banked with USAA for 15 years. Only provided document closure for one account with my name.