23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have water damage to our home and the insurance company made the check payable to Pennymac and the flooring company. After several months the mortgage company is still refusing to endorse the check over to the flooring company. We ( myself and the flooring company ) have done everything the mortgage company has asked. The mortgage company keeps saying one thing and then changing things the next time you call. they even told the flooring company that they called me and I cancelled an inspection of my house and that is why they could not endorse the check. NO ONE from the mortgage company has EVER called me. This is so frustrating and I have spent way to much time dealing with this company.
Product: Debt collection

Repeated calls more than once daily beginning XXXX/21. Company refuses to detail exactly what I owe and why, tried to say it was my visit but then said it was my child 's. When I asked the manager to email me information so we can get something worked out he raised his voice and began threatening and belittling me, speaking over me without listening to my responses to his questions. 
XXXX XXXX  is the manager whom threatened and belittled me, then refused to provide information I requested to validate the debt. Poof of harassing and threatening behavior can be provided upon request
Product: Mortgage

HSBC failure to forestall the foreclosure sale while a modification application pending with servicer.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX Balance {$180.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$9800.00} XXXX XXXX Original Creditr : XXXX XXXX XXXX Balance {$2300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  request for identity information. 
I'm attaching 605 letter, Driver 's license, utility bill, social security card, fcra rule 605,
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing continues to report that I owe on 2 separate accounts. One being XXXX  for {$1700.00} acct # XXXX and the other XXXX {$1000.00} Acct # XXXX. These accounts are over 7 years old and should have fallen completely off all my credit reports. I have submitted disputes to Convergent Outsourcing at least 3 times during this past year to no avail. My last certified letter to them was in XXXX & XX/XX/2022. They still refuse to remove. 

Could you please help me with this situation? 

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

NOTICE OF DISPUTE I've tried multiple times to resolve this with Equifax. Equifax has done nothing more than delay. They previously came back and said the accounts are verified. I am asking once again that Equifax provided me with documentation that I am LEGALLY OBLIGATED bound to to pay this alleged debt. Equifax has received identification information several times. Please be aware that this is resulting in financial hardship. Failing to respond in legal and lawful manner will result in additional actions. Failing to respond within 7 calendar days will be interpreted as your admission that this debt is invalid. Please authenticate and provide me proof that I am, '' LEGALLY OBLIGATED '' to pay this purported alleged debts. A simple answer of being " HAVE BEEN VERIFIED '' does not constitute an adequate legal or lawful response. Respectfully delete the following immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Logged in and was required to verify with secondary check sent by text. Confirmed and logged in. Created a new payee that was in the system for a car loan. Then went to pay via XXXX someone who was already sent money through website. 

The system immediately refused payment and flagged account. There was no reasoning for this. System said that someone was unable to reach me and immediately denied. No contact was received. Yet did get text in order to log in to website. Tried again and same exact error. Got emails telling me to check my secure messages and I go to check and told Im locked out. 

Call in few times and finally get someone who says they cant verify me with traditional means. Has no explanation why the text is all of a sudden not going out or allowed, even though Im calling from the number on file. Tells me I need to verify with public records, which is data that was previously removed. However, somehow chase still has, even after it was removed with all XXXX credit bureaus. Why are they using inappropriate data? 

Even though 24 hour customer service, the fraud department closed for night and continues to deny me access to my funds to pay bills. This is the 3rd time they have done this and this defective flagging system needs to be shut off
Product: Mortgage

Bank of the West is transferring to BMO over the first weekend in XXXX. In all the literature that I have received, as a HELOC customer of Bank of the West, there is not a phone number to be found for questions. I have an automatic transfer from an outside account that processes on the XXXX of the month. The transition to BMO is taking place on the XXXX of the month. The automatic transfer every month entitles me to .125 off the rate of my HELOC. Therefore I need to be sure the automatic transfer will process. 
As there were no phone numbers in the literature, I opened up mobile banking app. No phone numbers there of ANY kind. I opened up a statement and found a phone number. I called and was never presented an option to speak with a representative. After a few trips through the phone tree, I was hung up on by the system with a 'we are are sorry you are having trouble, please call back later '. What a disaster! I called back three times and gave up. I finally called my local branch for more information. 
The phone tree BOTW has set up is NOT customer friendly and I am GLAD BOTW is going away.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX, On a recent review of my credit report, I discovered XXXXXXXX XXXX XXXXXXXX XXXX reporting the collection account referenced herein. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify XXXXXXXX XXXX XXXX XXXX that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account.

You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Attached to this complaint are : - Written letter of complaint - Copy of my drivers license - Copy of my social security card - Copy of proof of address via a bank statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Equifax to update my personal information on XX/XX/2021, and remove all inaccurate personal information from my credit report per the Fair Credit Reporting Act and they have failed to comply with my request to update my personal information and to delete all inaccurate personal information per the Fair Credit Reporting Act.
Product: Bank account or service

Chase bank closed my account because loss prevention did not like that I was depositing my fiance '' a paychecks. At the time he did not have his own account and was having me deposit them for him. They closed/purged my account and reported it to XXXX XXXX XXXX as closed for cause. This also caused the same thing to happen to my XXXX checking and savings account. As a result I am not able to bank anywhere. Had I known that depositing my fiance 's checks would cause such an issue I would not have helped him out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX 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 card

After threatening to reduce my credit limit by tomorrow if I don't pay almost {$1000.00} on my account which is otherwise in good standing and my minimum payments have been met, American Express telephone system is " undergoing maintenance '' and I am unable to speak to a live US customer service agent to make the {$1000.00} payment that American Express pulled out of their XXXX and demanded I pay in less than one week or my credit limit would be reduced. I can't make a payment if these XXXX  won't answer their phones.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint : Investigation of Consumer Rights Violations by XXXX XXXX ( Account : XXXX ) To Whom It May Concern, I am submitting this formal complaint regarding alleged violations of my consumer rights under federal law by XXXX, related to the mishandling of my account XXXX Account : XXXX ). I request that the Consumer Financial Protection Bureau investigate these violations immediately under the authority of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Below, I have outlined the specific violations I believe have occurred : Violations of Federal Law Violation of Right to Privacy under 15 U.S.C. 1681 ( Section 602 ) : The FCRA explicitly provides me with the right to privacy regarding the collection, dissemination, and use of my consumer information. I believe XXXX has violated this principle by mishandling my account information without proper authorization. 
Violation of Written Instruction Requirement under 15 U.S.C. 1681b ( Section 604 ( a ) ( 2 ) ) : According to the FCRA, a consumer reporting agency can not furnish a consumer report without my explicit written instructions. I did not authorize NR/SMS/CAL to access or share my credit information, and any such action was undertaken in violation of federal law.

Violation of Timely Payment Processing under 15 U.S.C. 1666b : Under the Truth in Lending Act, creditors may not treat a payment on a credit card account under an open-end consumer credit plan as late if the payment is received by XXXX XXXX. on the due date at the specified location. I believe XXXX improperly treated a timely payment as late, which has negatively impacted my account and potentially my credit report. 
Outcome Desired I am requesting the CFPB to : Investigate the aforementioned violations by XXXX 
Require XXXX to provide a full explanation of their actions regarding the alleged violations. 
Ensure that any inaccurate or improperly handled information is corrected, and all adverse actions against my account are reversed.

Additionally, I request that any adverse impact to my credit score caused by these violations be rectified immediately. 
Supporting Information Account Number : XXXX Date of Issue : XX/XX/year> XXXX Conclusion I trust that the CFPB will take this matter seriously and conduct a thorough investigation. These violations have caused undue stress, potential harm to my financial standing, and a breach of my consumer rights under federal law. I look forward to receiving an update regarding the resolution of this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

INCORRECT ESCROW ANALYSIS AND IMPROPER MORTGAGE PAYMENT ADJUSTMENTS BY NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING **Complaint : ** I am formally submitting this complaint regarding the mishandling of my mortgage and escrow analysis by my mortgage servicer, NewRez/Shellpoint XXXX Due to an incorrect escrow calculation, my mortgage payment was DOUBLED without any justification or valid reasoning. Despite my numerous attempts to resolve this issue directly with NewRez/Shellpoint , they have failed to correct the error, resulting in incorrect amounts being deducted from my bank account. 

Here is a detailed timeline of events : 1. **Transfer to New Servicer** on XX/XX/2024 NewRez/Shellpoint assumed my mortgage from XXXXXXXX XXXX XXXX 

2. **Escrow Analysis Error** : In XXXXXXXX XXXX  NewRez/Shellpoint conducted an escrow analysis, resulting in a significant and incorrect increase in my mortgage payment. 

3. **Contact with Customer Service** : Since XX/XX/2024, I have made at least XXXX different attempts ( both verbal and written ) to resolve the issue with NewRez/Shellpoint through their customer service channels. Every time, I have been met with excuses, vague explanations, or promises of a future resolution that have not materialized. 

4. **Incorrect Payment Deductions** : Despite my numerous attempts to rectify the situation, NewRez/Shellpoint has not only failed to correct my escrow and payment amounts, but on XX/XX/2024 ; began deducting the incorrect, XXXX % inflated mortgage payment from my bank account. 

4. **No Resolution** : I have repeatedly requested that NewRez/Shellpoint correct the escrow analysis and allow me to pay the accurate mortgage payment amount, but no action has been taken on their part. I have removed my payment information from their system in order to prevent further unauthorized or incorrect withdrawals, and I am currently unable to pay the correct amount for my mortgage. 

The continued mishandling of my account by NewRez/Shellpoint has placed undue financial strain on me, and I am unable to make proper payments while this issue remains unresolved. 

This situation is unacceptable, and I am requesting immediate intervention by the CFPB to ensure the following : 1. **Correct the escrow analysis** and adjust my mortgage payment to the accurate amount based on the corrected analysis. 

2. **Refund any overpayments** made due to the incorrect mortgage amount deducted from my bank account. 

3. **Acknowledge my formal complaint** and provide a timeline for resolution within a reasonable time frame.

4. **Refrain from any Credit Reporting practices** regarding my payments as I am unable to make proper payments due entirely to NewRez/Shellpoints mishandling of my account. 

5. **Transfer my loan** to another servicer who is competent enough to responsibly handle mortgage servicing operations. 

I request that the CFPB investigate this matter and hold NewRez/Shellpoint accountable for their improper handling of my mortgage account. 

Thank you for your assistance in this matter.
Product: Vehicle loan or lease

XXXX XXXX ( Mechanics Bank  ) uses an app for loan payments. There is no way to adjust the payment amount to pay more than the minimum amount. If you want to pay extra, you have to send multiple payments. Quite often, if I send two identical payment amounts, the second is ignored. They make it super difficult to payoff the loan early by also limiting monthly payments to {$2500.00} dollars a month. I wasnt told that extra payments dont just go to Principal. I had to figure that out myself because there is no way to mark a payment as principal only on their app. When I asked how to get my extra payments credited to principal only, I was told I had to email every time after the payment and ask for it to be credited to principal. I started doing that in XXXX. The loan was initiated in XXXX this year. Over half the time, my payment still has not been credited to principal. My next loan payment currently isnt due until XXXX of XXXX because of these errors. I emailed multiple times to get this fixed. I was finally told to call customer service which I did on XX/XX/XXXX. They told me I have to email after every payment again and refused to fix my loan payment history to credit the extra payments to principal only.
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX I financed a brand new Volkswagon I was in a total loss accident not even XXXX weeks later that was covered fully by my insurance providers whom wrote the check and Volkswagon is still trying to tell me I owe XXXX out of XXXX I have asked for proof as ive never gotten a response from them I receive so much mail from them stating I owe them
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with CFPB about XXXX credit investigation practices. I have uploaded proof to you guys as well as XXXX that the Debt was paid in full. On today XX/XX/2023 XXXX has come back saying the company verified the debt and that I am still past due when I have provided XXXX proof that the debt was paid and they still reporting inaccuracies on my report. Again I will provide proof here that the debt was paid in full on XX/XX/2023.
Product: Debt collection

Collection agency is attempting to collect a debt but is not licensed in my state ( Georgia ) to operate as a business.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance is misreporting the balance and status of a charge-off auto to XXXX  and XXXX. The account has been settled for less than the full balance, and is reporting to XXXX  correctly with a {$0.00} balance owed, and settled.
Product: Credit card or prepaid card

I have changed my contact information and Discover card is calling my mother’s telephone number at least three times an hour everyday. They are harassing her. I have submitted contact information but they keep harassing her. I have not lived with my mother in 23 years. They have been doing this since XX/XX/2019
Product: Checking or savings account

During XX/XX/2021 : XXXX XXXX  stored my cash at Citizens Bank as part of a sweep feature of a Cash Management Account. The cash was FDIC insured and incured interest. My XXXX Cash Management Account was compromised and unauthorized withdrawals took place, which included the EFT and Debit withdrawal of cash from Citizens Bank to another bank. XXXX XXXX claims they are regulated under FINRA and do not need to follow CFPB Consumer Protection laws, even though it was stored at Citizens Bank and advertised the program as regulated by federal banking laws.
Product: Mortgage

On XXXX XXXX, XXXX, I had XXXX XXXX XXXX XXXX. We contacted Loancare to do a loan modification. We were approved for a trial plan and made the 3 payments in XXXX, XXXX and XXXX. XXXX advised us that they would send us the final modification paperwork which we received on XX/XX/XXXX. It stated that our first final modification payment would be due on XXXX XXXX, XXXX. They said nothing about any other payments before the XXXX. payment. I called Loancare on XX/XX/XXXX to confirm the XXXX XXXX payment. I spoke to XXXX with Loancare and he said that we had defaulted on the trial plan because we missed a XXXX payment. We were not aware of a XXXX payment due. He said that they had tried to contact me by phone 3 times. I didn't have that phone number anymore because it was a company phone that I had to turn back in. XXXX has my wife 's phone number and is authorized to contact her. She was never contacted. There were other ways to contact us. They have my e-mail also. I explained to XXXX that we had and have the money for the XXXX payment. He said that they can not accept our money now because we have defaulted. We have worked for 6 months to follow their modification plan. We were not aware of a XXXX payment between the trial payments and the final modification payments. Many people can not make their mortgage payments right now but we can and we want to so that we can keep our home and fulfill our obligations.
Product: Money transfer, virtual currency, or money service

Zelle did not disclose there is no way to obtain my money back once money is transferred with that app.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am filing a complaint regarding several unauthorized hard inquiries listed on my credit report with XXXX. These inquiries were made without my knowledge or consent, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires explicit authorization or a legally valid purpose for accessing a consumer 's credit report. The unauthorized access negatively impacts my credit score and creditworthiness, as hard inquiries can remain on a report for up to two years.

Below is a list of the inquiries that were made without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have already contacted XXXX via a formal dispute letter ( dated XX/XX/XXXX ) requesting the removal of these inquiries. However, the inquiries remain on my report. These inquiries were neither authorized nor associated with any legitimate application for credit initiated by me. Their continued presence constitutes a violation of the FCRA, and I am requesting the CFPBs assistance in ensuring they are removed promptly. 

Actions Taken So Far : Sent a dispute letter to XXXX on XX/XX/XXXX, requesting the removal of unauthorized inquiries. 
Provided detailed information about each inquiry, including the date, organization, and contact details, but the issue remains unresolved.