23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have owned my home for 20 years and am facing foreclosure due to the fact that the current holder of the mortgage, Shellpoint Mortgage Servicing, refuses to allow me the opportunity to negotiate or compromise or work towards any type of reasonable solution. They are denying me access to government and in house programs that I believe that I qualify for, they have refused to assign a dedicated contact to work with me, and when I try to call them to work towards resolution they say they are not responsible for what the past holders of this loan did wrong. I am essentially told that I unless I offer them one lump payment for the full reinstatement of the loan that they have no interest in speaking with me and that I need to talk to the foreclosure attorney. 

I am a self employed real estate developer and I make a decent living. In 2008 when the market crashed I, like millions of other Americans began struggling and was not able to keep up with my obligations. As a result, I fell into a foreclosure status and began trying to work things out with my lender at that time, XXXX. After trying to get XXXX to work with me I ended up negotiating a lump sum payment of {$25000.00} in order to postpone my sale date and work towards restructuring or modifying my loan. However, despite this large payment on my part, XXXX did not work with me towards this goal and instead my loan got transferred to XXXX. 

While at XXXX I tried once again to start the process towards restructuring or modifying my loan, but was unable to make any progress. Believe me, it was not for lack of effort. When I would finally get someone on the line from XXXX they would tell me that there " were no options, and that I needed to reinstate the loan or they were going to foreclose. '' I believe that XXXX was denying me access to government and in house programs that were set up to help people such as myself. 

Since the loan has gone to Shellpoint, I have run into the same issues. The agents are telling me there are no options other than full reinstatement and that my issues I had in the past with XXXX and XXXX are MY problem, not theirs. I believe that Shellpoint is denying me access to government and in house programs that should be made available to a struggling homeowner such as myself. I am employed and can afford a reasonable mortgage payment. I realize that I am delinquent on this loan, but I want to be presented with options OTHER than full reinstatement in one lump sum. I believe that Shellpoint is violating the government rules relating to their receipt of bailout money from the taxpayers and that I am entitled to a fair and transparent review of my current and correct financial information so that I can be considered for restructuring or modifying my loan. To date this has not occurred.
Product: Credit reporting or other personal consumer reports

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX , NY XXXX ; XXXX XXXX XXXX  XXXX, NY XXXX ; XXXX  XXXX XXXX Balance : {$70.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

XXXX XXXX calls twenty times a day. It doesnt matter the time. They left threatening legal actions on voicemail
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan with XXXX and XXXX reported my account as 120 days late to TRANSUNION, which is incorrect. I entered into an agreement with XXXX in XXXX and told them that I would be going back to school in XXXX so they put a hold on the account until then. I didnt go to school in XXXX as planned. I called them and made payments in XXXX and XXXX per the second agreement I made with them to keep my loan from being in default. I have payment receipts to prove I made payments. They also reported that my payment was {$45.00} instead of the XXXX payments I was making. Incorrect information again. I contacted XXXX first and they did nothing to remove the false information in my credit report. I decided to consuct business with XXXX instead. The loans at XXXX are paid in full and the account is closed but TRANSUNION is still reporting the account as 120 days past due. It brought my score down significantly. All that I asked of Transunion was to remove the remark regarding my payments being 120 days late and give me back the points I lost on my credit score.  TRANSUNION has done nothing after I contacted them several times regarding the removal of the incorrect infomation.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024
Product: Credit reporting or other personal consumer reports

these false accounts have been reporting on my consumer report and causing me great financial hardship. They are also in violation of 18 U.S Code 1028A, and 15 USC 1681b. I have the right to privacy and if I gave written consent that these can even be reporting then please provide the original copy with my wet signature allowing this. 

I have asked over and over for the bureaus to fix this but they haven't so if you ( CFPB ) don't make them remove these false accounts then I will have to reach out to the attorney general and make sure to add that the CFPB were aware of these violations as well and still allowed these accounts to stay on my consumer report.
Product: Credit reporting or other personal consumer reports

I ask the credit bureaus to verify these accounts they verified these accounts saying they were Accurate I check my credit report and they still showing incorrect also Equifax and XXXX nonexistent no response this is not my first Attempt resolve this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validate Account In Accordance with the Fair Credit Reporting Act XXXX # XXXX Has violated my Rights 15 U.S.C 1681 Section 608 A. States I have the right to Privacy.

15 U.S.C 1681 Section 608 A. Section 2 it also States a consumer reporting agency can not furnish my information without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is a payday loan masked as an installment. I borrowed {$3000.00} and have made payments totaling {$2300.00} and continue to make payments of {$110.00} every two weeks through a payment arrangement. They claim I still owe them {$4600.00}.
Product: Student loan

I filed a complaint on Monday XX/XX/XXXX, I provided information and minimal documents. It was received and followed up with a false statement from XXXX XXXX. As of today I have new information to provide that will prove my point and complaint! Just got an email from a credit bureau notifying me my credit score just went down 135 points in the last 24 hours because of XXXX XXXX, SO, I called XXXX XXXX  and spoke with XXXX   ( employee id XXXX ). Guess what? I explained to her everything I have been since calling back in XX/XX/XXXX to report losing my job, the calls I've made, the calls I've received explaining my situation to every time. During that time not one customer service representative offered any solutions, input, etc ... till XX/XX/XXXX. In XX/XX/XXXX I was told to go online and do the IDR/Forbearance form and send it. Well I did! First week of XX/XX/XXXX I spoke to XXXX  ( XXXX  ) and she notified me it was taken. So AGAIN I explained my situation to her. At that time she told me she would make note on my account, send me out a dispute, AND IDR by mail. Just received it TODAY XX/XX/XXXX when on the letter its dated XX/XX/XXXX. XXXX ( XXXX ) called me a week after and AGAIN I explained my situation to him and told him XXXX made a note in my account. XXXX informed me there was no such thing. Back to today, about an hour ago. I explained my situation to XXXX  ( XXXX ) as I have done so many time since XX/XX/XXXX to numerous attempts to resolve, ask for help, etc ... Guess what she just did for me in a matter of minutes over the phone? SHE PUT ME INTO THE INCOME DRIVEN REPAYMENT PLAN, RESOLVED WHAT I'VE BEEN TRYING TO ACCOMPLISH SINCE XX/XX/XXXX ON. Your customer service need to be retrained, come to work AND work! Do their jobs! And be able to do what XXXX did in minutes, This all could of been taken care of long ago if your customer service acted as XXXX did today, I FINALLY got someone who knew what to do, and did it. NOW, I'm not going to stop there. I'm going all the way with this, I refuse to accept my credit score dropping 135 points because your staff doesn't want to do their jobs. I'm the one whos suffered, I'm the one who's tried taking care of this long ago, I'm being responsible in doing everything since day one to handle this. XXXXXXXX XXXX  has not! Now I'm stuck with a credit score that's unacceptable to me, my other creditors, and any plans on buying a house in the future, private loans, etc ...

XXXX deserves recognition for her work today with me! The rest of the customers service representatives I've dealt with in the past need to be terminated immediately!
Product: Debt collection

A XXXX XXXX report unauthorized by hitting my credit account, I have no idea who they are or what I would have any connection with. It is falsely accused
Product: Credit card or prepaid card

fraudulent charges made. not my charges card was stolen. Please remove from all 3 credit reports XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Last payment XX/XX/2019 Credit Card
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 at XXXX XXXX  I sent written communication to Bloomingdales dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received NO written communication from Bloomingdales. They did NOT meet the requirements of FCRA 623/FACTA 312. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing Bloomingdales communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires Bloomingdales to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. Bloomingdales provided none of the above. Bloomingdales continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. Bloomingdales has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, on XX/XX/2020 I sent a second written communication to Bloomingdales dated XX/XX/2020, requesting the same information with same results of NO written response. The above illegalities were committed via USPS mail.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX Account Name : U S DEPT OF EDXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : U S DEPT OF EDXXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX Account Name : U S DEPT OF EDXXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : U S DEPT OF EDXXXX # XXXX Account Name : U S DEPT OF EDXXXX # XXXX Account Name : U S DEPT OF EDXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : U S DEPT OF EDXXXX # XXXX Account Name : U S DEPT OF EDGSLATL # XXXX Account Name : U S DEPT OF EDXXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have applied for a business mortgage loan in XX/XX/XXXX through PNC bank. The agent who handled the case was : XXXX XXXX, vice president and senior health care relationship manger in XXXX. 

This person initially promised to get the loan approved within a week, Although we have submitted all required documents, he kept delaying the application and/or the process repeatedly for no reason for months. 
He would not communicate, reponed to calls or emails from me or the buyer agent. when we finally sat down to close on the loan, the PNC bank agent predicted that he is in a hurry and has to be with somewhere else within an hour, pushing us to sign very quickly. He never offered to go through the XXXX pages document he carried with him. I discovered NEW TERMS that were never discussed or approved by me, ONLY after I asked him specifically to show me the section where it states that there will be NO prepayment penalty. To my choc and dismay, he had that clause written in the contract although He neither discussed it with me nor did I agree to it. Furthermore, he tried to convince me that it is a STANDARD in every business loan I refused to sign and asked him to revies the agreement and remove the clause of " prepayment penalty ''. He made it sound impossible, but only to contact me the next day to tell me that he agreed to it and will remove the clause. 

Since the closing has been delayed several times because of him, the owner refused to delay the closing to an INDEFINATE date. 

Therefore, I had to close on the building the next day and pay cash for it. 

The bank agent later agreed on XX/XX/XXXX to REFINANCE the building with the same terms agreed. and since the application has been already approved, the closing should have been done very shortly after. To date, he never contacted me with any date and only kept ignoring my communications. 

I feel there is clear evidence of discrimination and bias and that his behavior was unprofessional and malice.
Product: Prepaid card

I have an American Express gift card and Ive tried to use it in grocery stores, gas stations, and store fronts and it doesnt work ANYWHERE. Its embarrassing at this point. After 5 times of trying it you just give up hope. I think something is actually wrong with the card. But Ive read other reviews of people having the same issue. Card says its activated when I call the line and my balance is still the same. Trying to call customer service, youre on hold for hours at end. And I dont have that much time for {$50.00}. Terrible conundrum with even worse solution to it.
Product: Money transfer, virtual currency, or money service

I am filing a complete against Cashapp ( Block , Inc. ) due to inadequate customer service An unfair practices, which violate The Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed To take timely and effective measures To prevent an address fraud on their platform leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask, do XXXX consumers have a Right to Challenge XXXX, PayPal over their Refusal to allow competition, regards the choice of who they wish to process payments for items bought online in America?  I was Coerced into taking out a Contract with PayPal in 2015 as payment processor. I purchased 12 items on XXXX, All the sellers claimed they had a contract with PayPal to process buyers payments, PayPal refused to accept my payments for those 12 items, refused to process a payment demand from XXXX for their fees. No reason given by PayPal. I then stated to PayPal I wished to close my account with PayPal, they have refused my request. There have been a number of Class Actions taken against PayPal, v I refer to Civil Action XXXX : XXXX XXXX XXXX PayPal Settlement XXXX Does that mean XXXX and PayPal can Treat Consumers around the World with Impunity? Thank you for your time and help. XXXX XXXX. XXXX. XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$950.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This account needs to be updated to report accurate information. This false reporting of a collection is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX -- - I was never late on this account because I always pay on time. The payment history of this account is inaccurate! PLEASE INVESTIGATE AND UPDATE THIS ACCOUNT WITH LAWFUL ACCURACY! 

XXXX # XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 

XXXXXXXX XXXX XXXXXXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XXXX/XXXX/XXXX, I mailed my XXXX XXXX mortgage payment of {$1200.00} by USPS certified mail to Chase. On XXXX/XXXX/XXXX, Chase received my XXXX XXXX mortgage payment. Chase applied the whole {$1200.00} mortgage payment as a principal reduction payment. This is the second time in two weeks that Chase has misapplied our mortgage payment as a principal reduction payment. On XXXX/XXXX/XXXX, I mailed our XXXX XXXX, mortgage payment by USPS certified mail. On XXXX/XXXX/XXXX, Chase received our mortgage payment of {$1200.00} and applied the entire amount to a principal reduction. Both payments were clearly marked as a mortgage payment. Chase has not fixed either mortgage payment and has not sent us a mortgage statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

They have been calling me at my workplace repeatedly and I have contacted them several times telling them that I can not take personal calls at work and that they should stop calling my workplace. 
This occurred 9 times in XXXX of 2018.