23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shellpoint is my mortgage company. I pay monthly, {$780.00}, on time every month via my bank 's bill pay feature. 
Beginning in XXXX I paid {$880.00} ... an extra {$100.00} on top on my {$780.00} due so I could pay off principal faster. 
Also beginning in XXXX, Shellpoint stopped posting my payments. The ONLY change was that I started paying extra- same timing, same pathway, same everything else. 
Shellpoint indicates they can not locate the payments despite me providing them bank transaction confirmation. They want a cancelled check- never mind that I have ALWAYS paid this bill electronically. Who pays with checks anymore?? 
Shellpoint neglected to inform me they were not posting my payments- I see the money deducted from my bank account and sent to them, and logically assume my bills are paid. They have my payments. Wouldn't you think a mortgage company would figure out where payments should be posted in their system and not just disappear? 
The FIRST indication of a problem was when XXXX texted me with a drop in my credit score. 
I called Shellpoint and have gotten nowhere. They refuse to acknowledge their error and refuse to right my account or to even look to see where they allocated my payments. EXTREMELY FRUSTRATING.

So in summary : I pay my mortgage every month, never miss a month. Shellpoint took my money but hasn't posted it. My credit score is dropping because they ( fraudulently ) notified the credit agencies I was in arrears ( I was not ). And they added late fees. 
DO NOT USE SHELLPOINT. My mortgage was with another company that sold it to Shellpoint- they have horrible customer service and even worse business practices. Avoid them.
Product: Checking or savings account

On XX/XX/XXXX, I received an email informing me that my credit card payment to XXXX XXXX  for {$100.00} had not been received. I went to my Citizens Bank account on-line and saw that my check ( # XXXX ) had been altered, with a different payee ( not XXXX ) and a different amount ( {$16000.00}!!! ). 
I called Citizens Bank and told them of the alteration. I was advised to go to my local branch, inform them, and open a new account. 
On XX/XX/XXXX, I received a call from XXXXXXXX XXXX XXXXXXXX XXXX informing me that they had put a hold on that check that had been deposited in a XXXX  account at an ATM ( in XXXX, MA ). 
On XX/XX/XXXX I went to my local Citizens branch, closed by old account, and opened a new one. I was informed at that time of several incidents like mine and was assured that it was clear that my check had been altered. 
On XX/XX/XXXX I received from Citizens Bank a request for information so they could proceed with their investigation. 
I sent Citizens Bank the information they requested : a copy of my bank register with the XXXX check and amount highlighted, my copy of the XXXX bill with the date of payment indicated, a copy of my last bank statement with the copies of all my checks in that time period which showed that the writing on the " pay to the order of '' line and the amount did on check # XXXX did not match the writing on the other checks. 
This information was mailed on XX/XX/XXXX. 
On XX/XX/XXXX I called Citizens Bank Complaint Department and they told me that XXXX XXXX  had been contacted. 
On XX/XX/XXXX I called Citizens Bank again and was told they would again contact XXXX XXXX  and I should contact them again in XXXX weeks. 
On XX/XX/XXXX I received from Citizens Bank the same requests that I had received on XX/XX/XXXX. 
I called Citizens Bank and was told to only needed a copy of my bank register ( which I had already sent ). I sent it again that day. 
On XX/XX/XXXX I again called Citizens Bank and was told that they still need to follow up with XXXX Bank. I was hung up by a supervisor I asked to talk to ( her name was XXXX XXXX. 

This is a complaint against Citizens Bank both for the length of time that they are not returning my money to my account and for the way I have been treated. 
Please contact me if you need any more information.
Product: Debt collection

I have a collections on my report from IC SYSTEMS. This collection has been paid in full and IC SYSTEMS SAID they would contact the bureaus XXXX and XXXX and have it deleted. It has not been deleted. I know it does not take 30-60 days to submit this request. Because it didnt take that long to put it on my report. I want this remove immediately. It is messing up my credit file.
Product: Credit reporting or other personal consumer reports

A letter was sent over on XX/XX/24, XX/XX/24 and XX/XX/24 for the credit bureau to investigate inquiries that were not authorize by me but are showing on my credit report. The credit bureau did not do their investigation with in the time frame needed or send any correspondence to me proving any proof. I requested these inquiries to be deleted from my credit and 60 days have pass with out a response.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 

I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 

Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX, XXXX, and Equifax after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me.I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my previous request and hoping that the accounts listed below lates will be removed : XXXX XXXX Balance : {$160000.00} XXXX XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$1500.00}
Product: Debt collection

Originally saw this account under the name XXXX  reached out to inform the company that the account wasnt mines and was made from someone using my identity, but it stayed on my report. Now the account has been charged off and is on my credit even though i never made any purchases
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my personal credit reports that are UNVALID as in never been validated items. A few different creditors, none in which i've ever come into relationship with. These accounts just don't belong to me. They've been on my report for about a year now and ive been back and forth with these credit bureaus about removing ( blocking ) these fraud accounts pursuant to the FCRA 605 ( b ) law I've sent out all the necessary documents needed to activate a blocking on these accounts, yet these credit agencies have failed to do so. Why? I have yet to receive any concrete evidence or proof of validation with these reported items from neither party ( credit agencies or creditors ). This is blasphemy, that these credit bureaus have been willfully disobeying credit laws at the consumers expense. It has been XXXX trying to reestablish my identity and these credit agencies have been little to no help. I need the CFPB to oversee this to make sure these credit agencies due their jobs with providing full proof of VALIDATION of the fraud accounts they've deemed " accurate and valid '' Pursuant to Fcra law 809 ( a ) ( b ), and no i've never hired any credit firm to help me amid these tragic events, i sincerely made phonecalls to all 3 bureaus, asked questions, got answers, and went online at FTC.GOV to study the FCRA Laws, THIS IS ALL FREE AND ANYONE CAN DO THIS, IT IS NOT A CRIME TO KNOW MY CONSUMER RIGHTS! So XXXX you guys at the office who left the last cfpb response not honoring my request because you said i hired a credit firm and you didnt think i've authorized these disputes, are XXXX! All of ya, XXXX! THIS IS ME, XXXX XXXX, This isn't rocket science as everything needed to know is ONLINE. Yall have willfully broken fcra laws and i KNOW IT, These are unfair business practices and ill fight tooth and nail until you guys fix these mistakes! Otherwise ill sue and i keep a trail of EVERYTHING.
Product: Checking or savings account

BofA won't credit XXXX acct. With unauthorized charge of XXXX. In XXXX Pa at XXXX XXXX auto.. also XXXX charges of roughly XXXX. From savings acct. Were fraudulent about XXXX  year ago. 

XXXX. Was fraudulent charge by carry XXXX and XXXX  XXXX at XXXX XXXX XXXX bank XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX - XX/XX/2021 As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
I have contacted Experian several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for two separate deposit accounts and XXXX  XXXX and XXXX  XXXX XXXX I was declined because of this darn credit system which is all fraud. Early warning services , LLC says its a government agency. Where to start with XXXX, CFR, XXXX violations and Consumer laws that all of these corporations are in on to deprive the true creditors. Buckle up sent off some documents to be authenticed and correction of status. I will not stop until I expose and everyone of this corporations indentured trustees will be filed on in federal court
Product: Vehicle loan or lease

In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report. This is hurting my lively hood and I cant apply for anything. I am demanding that you remove this account from my consumer report I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things ; 1. Enter your request here ; Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

This is hurting my lively hood and I cant apply for anything. This has affected my mental space and stressed me beyond measures that it has caused my mental health to get to it's lowest point. I am demanding that the account with XXXX, XXXX XXXX, and XXXX XXXX be deleted from my consumer report
Product: Mortgage

I received a loan modification from JP Morgan Chase XX/XX/2010 after I had been in a forebearance for 8 months and moved into a trial loan mod where I made all trial payments and was given a permanent loan mod XX/XX/2010. I continued to pay my loan mod after I had fully executed and sent back to Chase within their time period requested. However, 5 months later ( after I continued to pay Chase ) they claimed they did not receive in the time and reneged on the loan mod. However, I recently requested and finally received a copy of the loan mod ( I have been asking them for over 2 years ) that clearly shows that they did receive the mod in time. Chase got final judgement on my house on XX/XX/XXXX and now they send me a copy of the modification they reneged on. This clearly shows bad faith on their part. All I want to do is pay the agreed upon payment and stay in my home. Also it is ironic that I would FINALLY receive a copy of the loan mod 2 days later after the bank got final judgement on my house. I diligently did everything Chase requested me to do ( over and over again ) to obtain my modification only to have Chase reneg on it.
Product: Debt collection

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : XXXX XXXX XX/XX/year> {$1200.00} XXXX XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting a negative collection account from XXXX XXXX XXXX on my credit report. I have disputed this collection account with Experian and XXXX, but they have not responded and have not removed the collection account. Both Experian and XXXX were advised these charges were unauthorized and any services performed by the original creditor were done without my consent and without my written permission. I have never provided my social security number to the original creditor or XXXX XXXX XXXX, but somehow they have obtained my social security number through unknown means and without my authorization. I am not liable for these charges and never agreed to have these services performed. This is a civil matter and not a collection account debt. It is being mishandled and by Experian, XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several FTC Identity theft reports to TRANSUNION yet as of todays date, the adverse accounts on the report are still currently reporting onto my consumer credit file. Whenever I speak to any agents at TRANSUNION they tell me that their " Internal polices '' prevent them from blocking information due to identity theft, which is noncompliant with 15 U.S.C. 1681c-2 ( a ). I have sent TRANSUNION everything that the law requires yet these accounts are still reporting onto my consumer credit file in violation of the Fair Credit Reporting Act. I have attached the required information to this complaint as well. It is frustrating already having to deal with matters of identity theft and the consumer reporting agencies such as TRANSUNION are supposed to have procedures in place to ease the burden consumers face when dealing with identity theft. I have decided to use this CFPB complaint to contact and provide all of the information required by the subsection so that I have a formal record of my attempt to handle this matter directly with TRANSUNION prior to any further required action. The law is very clear about what is needed in order to apply the block of reporting in regards to matters of identity theft. This adverse information is harming me tremendously and preventing me from moving forward in life, I am unable to get a house to live due to these adverse accounts damaging my credit file. These matters have severely harmed my general reputation and because I have never authorized the reporting of these adverse accounts my individual rights to privacy have also been violated. Please ensure that TRANSUNION follows the law and Blocks the reporting of the information that I have identified as resulting from identity theft. For the record these accounts have already been blocked from reporting by XXXX ( proof attached ).
Product: Credit reporting or other personal consumer reports

I have no affiliation with the creditors listed, and I did not initiate this inquiry.
Product: Prepaid card

My latest call to customer service was on XX/XX/XXXX. The service rep who barely spoke English took the card numbers, name address and then wanted the name of the person who called about the cards in XX/XX/year>. That would have been someone at XXXX XXXX trying to get our purchase through. I dont know their name so they opened a case number XXXX. I told the. I wanted a refund so I thought opening the case was appropriate. However what actually happened is that they said we would be sent a form to complete and would need to send a copy of my drivers license, proof of my address and a copy of the front and back of each card, froze the cards because they opened a case and said they wouldnt issue a refund. They would only issue a new card. Obviously a new card isnt going to do anything for me. 

I have 4 cards but there is only one field to enter a card number Please help..thank you
Product: Mortgage

The balance on my home loan was paid off and the funds was wired on XX/XX/21. I haven't received a " satisfaction '' of my mortgage being paid off and show it's been recorded from the mortgagee. I have called several times and either it has been sent out and they will resend it. Now that rates are low, I would like to get new loan, but can't do until this is resolved! I've had issues with these people before regarding the escrow account with this loan. It seems it goes to deaf ears. Now that the mortgage has been paid off, it's happening all over again. I have been calling Shellpoint every month for the past year regarding their accounting being incorrect which backup copies from the county tax assessor 's office have been verified and sent from the county tax assessor 's office. The worst experience I've ever had with a loan service. Hence, the reason to pay them off! I've had it with them!