23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a homeowner with a mortgage serviced by Shellpoint Mortgage. I am currently three months behind on my mortgage payments and have made multiple good-faith efforts to work with Shellpoint to bring the account current through a loan modification, deferment, or forbearance. 

Despite providing detailed documentation of my financial hardship, Shellpoint has refused to offer any meaningful assistance. My mortgage is currently at an 8.875 % interest rate, which is far above market and unaffordable given my situation. I have requested a rate reduction or modified payment terms, and Shellpoint outright denied it despite the fact that I am trying to avoid foreclosure and bankruptcy. 

I own and operate small businesses in the oil and gas trucking sector. Market volatility, delayed payments, and rising operational costs have created a temporary financial strain. I am actively working to stabilize my finances, but Shellpoints unwillingness to work with me has made recovery extremely difficult. 

This situation feels like predatory servicing, especially given the excessive interest rate and their refusal to cooperate even though I am making every effort to resolve the situation without losing my home.
Product: Student loan

My loan balance is not correct. The current balance shown by Fed Loan is {$340000.00}. 

I have gone to Fed Loan and they do not have any loan documents to prove my loan balance which keeps accruing interest. I called and they told me to go to my loan servicer XXXX. They couldn't help and referred me back to Fed Loan. 

I proceeded to find out what my true loan balances were by going back to my university, XXXXXXXX XXXX ( currently XXXX XXXXXXXX XXXX ) and was able to obtain a transcript from the registrar showing my financial activity between XXXX when I last attended school. I graduated on XXXX XXXX with my XXXX XXXX. 

My transcript shows that I had a total of XXXX XXXX XXXX XXXX student loans of {$31000.00}. How did we get to {$340000.00}?
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Consumer Financial Protection Bureau, I am writing to request your assistance with fraudulent bank accounts that have appeared on my credit report. The only banks I have opened accounts with are XXXX and XXXX. However, I have noticed accounts listed from other banks that I did not open or authorize. 

I request that the accounts from any other banks be removed from my credit report, as they are not associated with me. I Sent Them A Letter And They Never Responded Back. 

Thank you for your prompt attention to this matter.
Product: Mortgage

NOD filed XX/XX/XXXX, Notice of trustee sale scheduled XX/XX/XXXX Ive spoken several times to express I want to keep my home. I am experiencing hardship due to COVID, requested consideration for loan forbearance, modification. I was advised recently to submit additional documents which I did. I requested an additional forebearance to XX/XX/XXXX as per XXXX XXXX. Was advised my loan investor was not XXXX XXXX. Directly sent documents I received from servicer of XXXX investor. Was told hed forward it. On XX/XX/XXXX recd acknowledgment from servicer of XXXX XXXX investor. This is dual tracking. I should have been eligible any assistance XXXX XXXX affording it borrowers affected by COVID. Please help. I have never been able to speak to contact listed on letters. One individual didnt realize california non judicial state, told me courts are backed up. Please help
Product: Debt collection

This debt was awarded to my ex-husband, XXXX XXXX, in XXXX of 2021. I provided the company and the collection agency with the divorce paperwork asking t Them to remove it from my credit. No response from either company. In XX/XX/2021, I contracted with a credit repair agency to get this taken care of. They have sent multiple letters to avant and absolute resolution, the collection agency on my credit report, with no response and they have not removed it from my credit. I do not know what to do to get these people to take this off of my credit. I have sent them legal documents, the credit repair agency has sent them multiple legal documents, and they are doing nothing that late they are legally obligated to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  ( 0 minutes ago ) to me 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. 


Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Has violated my rights. 
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: Credit reporting, credit repair services, or other personal consumer reports

Few years ago someone stole my identity and started opening credit cards under my identity. Ive filed 4 police report in the last 3 years because someone either applied for loans or credits. And Ive been filing dispute with the credit card companys but they keep saying they have me verify but wont show me proof when I requested them the documents. Ive been sending them letter for the last 6 months and I havent received a letter from them. I need to remove this account that dont belong to me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I have noticed a collection account on my credit reports that I do not recognize or have any knowledge of. This account is inaccurately listed under my name, and my attempts to resolve this issue with the credit bureaus have not led to any meaningful action. 
I have provided supporting documentation requesting verification and removal of this. erroneous account, yet the credit bureaus continue to report them as valid without offering substantial proof. This has caused significant damage to my XXXX XXXX and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust. 
The unjust account in question : XXXX  : XXXX : {$18000.00}
Product: Bank account or service

On XX/XX/XXXX My bank account with PNC was frozen and -XXXX dollars to which i did n't even have XXXX in it. I inquire and find out they said it 's a Bank Lien from a company called XXXX XXXX apparently based in XXXX XXXX. There is a long story to it so to shorten this, I am a victim of Fraud in XXXX XXXX ( i just found this out today ) PNC here in XXXX should have never processed the lien as it was fraud docs as well as being expired. I lost 2 days of work over this and had to work with the Court in XXXX and PNC Garnishment department to get this resolved asap as I need to pay mortgage and my wedding on XX/XX/2016. I was successful with getting the funds released but am not concerned as to why my bank was not able to protect me in this and with the documents they received as I 'm told should have never been processed from the start and I want answers as well as anything i would be entitled to in this. I probably may need to go to XXXX for a court hearing at some point. None of this happened in my state of residence XXXX the lein was sent to my XXXX address when i was in the service to which i have not lived in XXXX since XX/XX/XXXX. Please contact me to review and/or help me through this ordeal I just went through b/c at this point i no longer trust Banks if they could n't protect me from a " supposed '' government entity ad well and not XXXX government.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX & Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting

I went XXXX XXXX XXXX in XXXX NH. 
Not knowing they did n't accept my XXXX. 
They did not tell me this when I went to I would n't have gone there. 
Got a bill from XXXX XXXX and called XXXX. They explained the situation to me but said this one time they would take care of the bill. Which they did. 
Not I receiving a bill from the DR who say me that day for 1 minute. He didnt even take a XXXX of even look at me in any way. So now I am receiving a bill from they Dr who saw me for {$370.00}. This is outrageous. XXXX already paid the XXXX and I never heard of the DR billing me separately. This is an exorbitant amount for someone to charge and I was only there for 1 minute. 
I am furious at this charge and now they are reporting me to credit. 
This is very unreasonable.
Product: Credit reporting

the information on my credit score is all over XXXX years old i got hurt at work in around XX/XX/XXXX and tried to go back to work in XX/XX/XXXX but could not now i am trying to go back to work again and this credit score will not let me do any thing i have to work for myself because my injury makes me very unreliable why does n't workmens comp take care of me why do i have to have social security pay me not even near what i was making this country does not take care of its working men when they get hurt on the job i worked hard all my life i was getting ready to retire now i am homeless and have nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husbands, his wife name is the same as mine and I believe her things were included with mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my account about 3 months ago and its still showing up on my credit report. I contacted the collection agency and they said its an Experian issue and they need to update their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX student loans and each reporting agency is showing that I have several more than 7 Trans Union is reporting XXXX, XXXX is reporting XXXX, and XXXX is report XXXX. Several have account numbers that do not corespond with the XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

SEE ATTACHED!!! 


please be advised that this is not a duplicate complaint please thoroughly read the below, attached, complaint & request for production of information. Do not mark this complaint as a duplicate. None of my complaints have been duplicate. Please stop marking my complaints as duplicate. Thank you. 

ATTENTION CREDIT REPORTING AGENCIES I have attached you to this complaint to notify you again that XXXX credit and I the consumer are in active litigation. You CRAs & XXXX credit are legally required to delete the account from my consumer report while in active dispute ( litigation ). All collection efforts must stop on this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to the credit bureaus on XX/XX/XXXX, but they have not responded yet. They are supposed to respond within 30 days.
Product: Credit reporting or other personal consumer reports

I called these companies that are reporting inaccurately on my credit report and they have refused to send me any paper work regarding legitimacy of this account. I asked for the original contract and have yet to receive it. This account is impeding me from applying for new credit.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 my credit was ran by several banks. We are uploading a photo of those banks. I would like the removal of the inquiries off of our credit. I did not submit my credit to be ramped by. Who's banks in any time?
Product: Credit reporting or other personal consumer reports

If there are any inaccuracies or incomplete information regarding my accounts, judgments, liens, balances, payment history, late payments, account history, or any other details in my credit report, I request that you promptly correct or remove those items from my credit file in accordance with the Fair Credit Reporting Act.
Product: Vehicle loan or lease

XX/XX/2020, payment of XXXX. Me and a partner have been trying to make a payment when they called and take XXXX each week. Turns out, they haven't been taken out the money from my partners account and now it is 37 days late when we asked to take out XXXX each week. We just paid XXXX today and made sure they actually did it. They kept saying payment received but turns out they never took out any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXXXXXX,  XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX, XXXX XXXX XXXXXXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE
Product: Mortgage

XXXX XXXX sold my mortgage to Select Portfolio Servicing. Select Portfolio Servicing is not allowing me to refinance my mortgage with XXXX XXXX XXXX. I gave XXXX XXXX XXXX access to my Select Portfolio Servicing account in XXXX and Select Portfolio Servicing has been claiming they can not find my Finalizing Loan File for over 3 months. Select Portfolio Servicing is also planning on charging me a reconveyance fee of an unknown amount even though I got my mortgage through XXXX XXXX. I want to refinance my mortgage with XXXX XXXX XXXX because of the superior rate they've offered me. Select Portfolio Servicing has me at 3.875 % on a Conventional 30-year and XXXX XXXX offered me {$3.00} meaning I've missed out on thousands of dollars of savings while Select Portfolio Servicing doesn't provide the Finalizing Loan File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got several issues going on with Transunion, My scores went down dramatically for NO REASON- I was added as an authorized user to my moms credit card, 2 XXXX XXXX XXXX XXXX credit card in which she has good history, never late, etc, instead of my credit increasing AT ALL!!! it keeps going down daily, and i don't know why! I need my scores to be updated right away! 

Also, there are several inquiries in my credit report that I did not authorized and I am SURE this is due to some data breach, and I am going to file a lawsuit if this is not resolved right away!! I do not want to receive a response stating the inquiries are valid because they are not, I am 100 % sure this is due to a data breach or something transunion is doing wrong. I need inquiries to be deleted right away! 
The inquiries in question are : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Consumer Loan

I am disputing a credit charge from XXXX XXXX in the amount of {$890.00} .On XX/XX/XXXX, I entered in to an agreement with XXXX XXXX giving me a 24 month grace period ending in XXXX I have been trying to correct this error with XXXX Research Specialist TD Bank which provided the loan. I have emailed her left messages on her voice mail, with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, 700 CREDIT/XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy 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. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac-counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We were affected by the Pandemic ... A business  venture we had projected as having promising possibilities was adversely impacted by the restrictions imposed by State Governments ... The Business was based on XXXX XXXX in the XXXX XXXX XXXX. 
The Need for this XXXX / XXXX XXXX / XXXX XXXX  is/was immense ... The potential Income from this XXXX XXXX XXXX career was intended to compliment our retirement benefits and provide additional career alternatives professionally! The Business  never got off the ground and the Venture Capital, Educational Certification, Cost of Course Requirements, Licensing Cost, etc was spent with no realization of the eventual Pandemic experience ... We have had to restructure our Finances, contact Creditors, budget our Monthly Income against the Cost of Living! We leased a Vehicle at the end of 2019 when income and expenses for us monthly was convenient ... We had no idea what was looming Economically after the New Year ... In essence we have been able to manage our debts by corresponding with creditors and making payment arrangements that provides partial payments and eliminates hardships for us monthly! We have written to Toyota on several occasions asking for relief with basically no remedy ... Toyota 's response has been Lease Cancelation Notices, Money Demands that have been met at the cost to other Bills Monthly. Toyota has attack our Credit Report and Credit Rating relentlessly ... Their Customer Account Reps are totally unconcerned with anyone they service ... the Reps recite Corporate Policy on the Phone with No Recourse ; therefore, I have discontinued Phone contact ... It's Senseless!