23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home mortgage has recently been transitioned from " Specialized Loan Servicing '' to " Shellpoint Mortgage Servicing '', which as I understand included a change in the company as well as moving my loan to a different system. This occurred at the end of XX/XX/year>, with the first communication from Shellpoint Mortgage Servicing on the XXXX of XX/XX/year> notifying me of a successful account migration. This notification stated that my loan number remained the same, the mortgage terms did not change, and my automatic draft withdrawals would continue as previously scheduled with Specialized Loan Servicing. The next 2 monthly payments occurred without issue and on time. 

However, on XX/XX/year> I received a letter from Shellpoint which claimed that they did not have proof of hazard insurance for my home ( this is contrary to the statements made by them in the previous letter that everything had been migrated successfully ), and would proceed to purchase it for me via escrow at exorbitant rates unless I provided proof of hazard insurance. Within 2 weeks I provided proof of my home insurance to Shellpoint via their online portal, sending them the quote for my insurance renewal ( scheduled for XX/XX/year> ). 

On XX/XX/year> I received a letter identical to the previous one, demanding proof of hazard insurance. I called their customer support line on XX/XX/year> to inquire about the reason for these continued demands. After speaking with XXXX of their representatives ( identified by the email XXXX ), I was told that the issue had been that Shellpoint was unaware of my existing home insurance that was set to expire and renew on XX/XX/year> ( again, this is contrary to their initial communication about a successful account migration ). I was then asked to email my existing policy document to XXXX XXXX at the above email address, and after some time was told that everything was cleared up and the change would go into effect in 1 to 2 days, and I would receive a confirmation letter within 14 days. 

Instead of the confirmation letter, on XX/XX/year> I received 2 letters. One of them, dated XX/XX/XXXX ( clearly backdated to create the appearance of being sent prior to my call ), notified me that because Shellpoint did not receive the requested home insurance information, they are purchasing insurance on my behalf and this has been added to my escrow. The second letter, dated XX/XX/year> ( also clearly backdated ), specified a payment breakdown for the purchased insurance. 

As can be seen from the chronology of this matter, Shellpoint has used unjustifiably aggressive tactics to lie and mislead in their communication with me, ignore the provided evidence, and proceed to place what are effectively fraudulent charges on my account. I have currently cancelled automatic payments to Shellpoint, and have contacted my bank to block future ACH withdrawals made by them from the linked account. Both the documents sent to Shellpoint for proof of my hazard insurance are attached with this complaint submission.
Product: Mortgage

Rushmore Loan Management Services serviced our mortgage. The account holder is my deceased husband. On XX/XX/XXXX, I, the surviving spouse, sold the property which carried a mortgage serviced by Rushmore Loan Management Services. When I sold the property, there was a remaining Escrow Balance held by Rushmore totaling {$480.00} that is owed to me after the debt was resolved from the sale of the home. On XX/XX/XXXX, I had confirmed with an agent that my name was added to the account and a check would be mailed to me, under my name. However, we received the check issued to my late husband, which we can not deposit. Therefore, we re-engaged with Rushmore, speaking with another agent. At that time, they requested we send the check back to Rushmore, as well as writing a letter and signing it, stating I am the executor for the account. We provided that on XX/XX/XXXX. We didn't hear anything until XX/XX/XXXX, where it was stated the letter we provided was not sufficient. We again contacted Rushmore and spoke with a Customer Service Supervisor ( XXXX XXXX on XX/XX/XXXX. He confirmed additional documentation was needed, but was unable to provide what that documentation needed to be. After our call, I proceeded to provide a copy of an attorney prepared, signed, and notarized Affidavit of Heirship and Corroborating Affidavit used to sell the home in the state of Texas. A week has passed and nothing has been resolved with Rushmore Loan Management Services. We still have not received confirmation on what documentation is required, or if the documentation provided was sufficient to collect on the remaining Escrow Balance after speaking with two different Customer Service Supervisors on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE ADVISE THE UPDATED XXXX XXXX Part XXXX SUMMARY : The Consumer Financial Protection Bureau ( Bureau ) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act ( FCRA ). This advisory opinion explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. How did you verify these accounts? Insufficient matching procedures can lead to entities providing reports to companies without a permissible purpose.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding an inquiry to be in error.The Fair Credit Reporting Act states that The only permissible purpose for pulling a persons report is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The below inquiry is not related to one of the allowable purposes as I have reiterated from the Fair Credit Reporting Act. 


XXXXXXXX XXXX XXXX XXXX XXXX 
Inquiry Date : XXXX XXXX Please Remove the Inquiry from my Consumer Report immediately.If the above company purport to have pulled my consumer report with my permission, then I exercise My legal right to ask for verification, including ; 1.Name and title of the person who pulled my consumer report 2.Date they purport that I gave permission.

3.Method they purport that I gave permission.Please include documentation of said permission. 


Thank You XXXX XXXX.
Product: Debt collection

Hello my name is XXXX XXXX XXXX, the reason for this help is because I am a single mother of XXXX kids. Im having a hard time finding a place to live, due to my eviction that was held on my credit report on XXXXXXXX XXXX XXXXXXXX. I made a payment that was paid in full amount of {$3600.00} on XXXX, XXXX. Payment was paid to the creditor " Claymore Crossing Apartment '', here is the creditor account # XXXX to the collection agency : Transworld Systems Inc ( TSI ). Here is also their account # XXXX. 
I also do have a letter stating that my eviction has been paid off, I just need the help to get it deleted off my credit report so I can be able to provide a roof over my kids and not move into a shelter.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX- XXXX
Product: Credit reporting or other personal consumer reports

After my Debit Card had been compromised and not realizing that it was linked to my XXXX XXXX XXXX which was for protection for my XXXX Phone sometime on or around XX/XX/2023 already a month past XXXX XXXX Sent me via email to update my payment information. Once I received my new card and remembering now that some 6 months ago I had the cell phone protection. I began trying over and over again to give XXXX the updated New Debit Card information ( No money was borrowed ) it never worked and I kept trying so after several attempts it worked. Thus, thinking all is good I began to receive Mailings from TD Bank not having any idea what this was for I finally called them and was told they got the money from XXXX for the protection of my phone. 

Then after several attempts tying to contact XXXX and I mean a lot, almost always, getting disconnected or the wrong department I started with TD BAnk and went thru several attempts to rectify the problem. So finally I got the Manager at TD bank who gave me her Initials of ( XXXX  ) and explained the entire thing she told me that if XXXX did this then TD Bank has no right to report me negatively to the Credit Bureau. Then she asked if I would stay on while she contacted XXXX. I said fine, but warned her we would get disconnected when she tried and we got disconnected and XXXX never called me back and I was never able to get her again. All of this for {$3.00} a month now I have negative items on my credit report and have no way to resolve it and TD bank keeps increasing the time and penalties after me thinking it was all good when I updated my Debit Card information with XXXX.
Product: Credit card

On XXXX XXXX they sent me a letter saying a balance transfer was complete to their Wells Fargo credit card from my XXXX XXXX XXXXXXXX credit card in the amount of {$900.00} plus roughly {$140.00} transfer fee. The amount showed up on the new Wells Fargo credit card, but was never paid to my XXXX XXXX XXXX credit card. I called them after five or so to find out what was going on and they told me at that time, it could take additional 10 days. I called back 10 business days later and they told me it could take another 10 days and asked me to get a transfer # from XXXX. XXXX XXXX XXXX told they wouldnt be able to provide that since nothing was transferred in the transaction shouldve bounced back immediately. I called and let them know. They said they would escalate it and a call back in five more days or so. We also figured out at that time that the account number I gave them was for the wrong credit card, but was also a XXXX  XXXX XXXX credit card but with a XXXX balance, so nothing to take from. ( I have two ). I called back and they told me to call the XXXX XXXX XXXXXXXX Which I did and they told me the same thing, no wire transfer # available. XXXX said, the money would still be with the person who was supposed to transfer it. Although it was never transferred, they just added it to their own card. Then I got a letter in the mail at the end of XX/XX/XXXX that said it would take another 30 days and they would have an answer by XX/XX/XXXX. They have called me every 3 days to let me know they still dont know where the money is. Last week I finally got upset with them and said something had to be done. This is no longer acceptable and they have not called me since.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize, nor benefit from the following accounts. Block and Remove. 

XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX has not been verified, nor is it in compliance with XXXX XXXX XXXX XXXXXXXX and FEDERAL LAW 1006.26.
Product: Bank account or service

I 'm dissatisfied that Bank of America is charging me {$5.00} to replace a defective debit card they forced on me with the " enhanced chip technology. '' The chips are so fragile that unless you keep each card protected in a silk sleeve, locked up in a safe deposit box 3 stories underground with an armed guard, it 's not going to last. Every checkout person I 've talked to says it 's incredibly common, so I know Bank of America is replacing countless debit and credit cards for their customers due to defective technology, but instead of doing the right thing for the customer and replacing the card for free, they charge {$5.00} and leave the customer with the impression that it must be our fault. Sure, it 's the customer 's fault. Is that the brand Bank of America wants to promote?
Product: Vehicle loan or lease

Capital One Auto is illegally reporting this account on my consumer reports as paid in full for less than full balance AND charged off. This is illegal and wrong. An account is either charged off from an unpaid balance or settled for an agreed amount which XXXX out the account or paid. I have attached a letter from Capital One Auto clearly stating that I agreed and paid the proposed amount of {$390.00} as a " settlement offer ''. I agreed to settle. Once the money was paid the account should have reflected as such. Capital One Auto is refusing to correct their grave error which is illegal and misleading to the consumer and anyone that is verifying my credit worthiness. Their negligence is continuing to cause me undue hardship. I am constantly being faced with discrimination of my credit from their illegal practices. I have also attached the settlement letter to this complaint as proof stating directly from Capital One Auto that this account should have reflected settled for less than full balance that's it that's all. Capital One Auto continues to violate many laws of the Fair Credit Reporting Act and my rights as a consumer.
Product: Mortgage

Loan originator, XXXX XXXX XXXX ID # XXXX was unresponsive and misleading in describing cost associated with refinancing mortgage held with existing lender ( Freedom Mortgage, NMLS ID # XXXX ). Process was initiated in late XX/XX/2021 and concluded in early XX/XX/2021 when I declined to close without an explanation of closing costs that were added to loan without disclosure. 

Throughout the experience, Freedom Mortgage and their associates were unresponsive to multiple calls and emails
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In roughly XXXX of XXXX I had a existing credit card for home upgrades that I received through USAA that they solicited me to get instead of a home equity Loan. In XXXX of XXXX i lost my job and was trying to work with USAA on payments as well as my other creditors. When I lost my job in XXXX I called USAA and tried to work out a payment with them as I was going to be bind for a few months. They refused to work with me and wanted all the past due payments at that time. I did not have the money at that time to work them and I told them when they wanted to work with me to call me. A month later they called me and stated they wanted the entire balance in full. I told them that this was impossible and when they could work with me and I mean really work with me to call back. 

I then started receiving collection calls and I told the companies the same thing as well as to send me documentation of the debt which I never received. At the middle of XXXX and through beginning of XXXX I started getting more collection calls and they were now stating USAA had sold them the debt. I thought this was odd as USAA should have filed a XXXX debt cancellation but I was getting these phone calls. I told the collection agencies to send me a letter and no one never did. I called USAA and they refused to talk to me and cut off web access to my account overview. 

USAA is now trying to send a XXXX to the IRS for the year of XXXX taxes when it should have been done in XXXX as the proper discharge data for the debt. This is not right as well as selling the debt and then claiming it is theirs to discharge. For these reasons I am disputing the XXXX from USAA and need help as they will not talk to me or give me access to my account or other existing accounts which I am still making payments on.
Product: Money transfer, virtual currency, or money service

My kids father deposit his tax refund into my account they ask me for more information to sent his id and 1040 he sent it and they said they could release it because my name was not on his check so they sent it back to the bank that sent it to them so he received at check from his tax off a couple days letter the block my card with my weekly the The posit always go I also have money already available they told me for them to unblock it I will have to get them my id, social Security card or birth certificate, and my unemployment information I sent it and they said it will take up to two days for a reply for them to unblock it and the been calling for 5 days talk too many supervisors and my Attorney they not trying to give me any information I have to children and I have bills and rent to pay time are hard been though this Pandemic going on
Product: Debt collection

On XX/XX/year> I received this email from XXXX XXXX, on behalf of XXXX XXXX Good Morning XXXX, Both my XXXX, XXXX XXXX ( XXXX ) along with Associate XXXX, XXXX XXXX ( XXXX ) are working on your situation with following resolutions : Will be submitting a refund Will be removing you from course as well as grade not impacting XXXX and then being registered for upcoming XXXX term. Regards, 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 If I am unavailable and you need immediate assistance, please call Toll-Free Phone : 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 Not only did they not follow through on handling the financial error, but this account has been negatively impacting my account and credit report as a result of the incorrect and fraudulent information. XXXX XXXX  attempted to get me to repeat and charge me for a course that I had already completed and now is still trying to collect on my for a course I was never supposed to be in. This is why XXXX and XXXX promised to fix it but never did. This MUST be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 - received information via mail about 2 attempted credit cards being opened in my name. They were denied which is concerning as I have great credit. 
XX/XX/2022 - called both companies to report fraudulent attempts at obtaining credit card. Both companies confirmed they were attempted online. Both confirmed that my social security information, birthdate, drivers license, name, and home address have been compromised. Both companies have reported the fraudulent activities and are investigating. More information to be sent to me via mail. 
- Called XXXX, XXXX, and XXXX to freeze my credit reports. 
-FICO XXXX XXXX confirmed that my score has been negatively impacted by these activities. 
-Contacted this website : US Federal Trade Commission to report activities. 
-Currently on call with Social Security Administration for assistance on steps to take. 
-Will be calling DMV tXXXX report that my driver 's license number has been compromised.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Items from Credit Report under 15 U.S.C. 6802, 15 U.S.C. 1681b, and 18 U.S.C. 1028A Dear Sir/Madam, I am writing to formally request the removal of certain negative items from my credit report, as they have been reported inaccurately and in violation of federal laws, specifically 15 U.S.C. 6802, 15 U.S.C. 1681b, and 18 U.S.C. 1028A. 

Under 15 U.S.C. 6802, financial institutions are required to provide consumers with privacy notices and an opportunity to opt out of information sharing with third parties. I believe that XXXX XXXX Violated my rights under this section by improperly reported a late payment in XX/XX/year>, leading to unauthorized sharing of my personal information and subsequent negative reporting on my credit report. 

Additionally, 15 U.S.C. 1681b outlines the permissible purposes for which a consumer report may be furnished. I have reason to believe that my credit report was accessed without a permissible purpose, resulting in inaccurate negative items being reported.

Furthermore, under 18 U.S.C. 1028A, it is a federal offense to knowingly transfer, possess, or use, without lawful authority, a means of identification of another person. I suspect that my personal information may have been unlawfully used, contributing to the erroneous negative items on my credit report. 

Given these violations, I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take the necessary steps to remove the inaccurate negative items from my credit report. Attached to this letter, you will find copies of my credit report highlighting the disputed items, along with any supporting documentation. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 
Sincerely,
Product: Credit reporting or other personal consumer reports

Hello they reported me for late payment which is not correct i asked them to correct it and they don't even provide which steps they took and proof of late payment i want them to remove!
Product: Debt collection

Debt has still been accumulating after closed and written off. 60 months ago.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


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: Credit reporting or other personal consumer reports

I noticed the problem in XX/XX/XXXX Incorrect Information : 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 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