23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Re : Shellpoint Mortgage Servicing We have recently completed a Chapter XXXX bankruptcy and have notice from the Chapter XXXX  Trustee, that we/they have paid our Mortgage payments as required and we were current upon closing of the case, XXXX 2017. We have made the payments required by Shellpoint since the closing and have canceled checks to confirm receipt by Shellpoint. They continue to insist that we owe additional funds that seem to be attributed to amounts they had not posted properly during the bankruptcy. According to our records, the bankruptcy trustee made final payments in the amount {$56000.00} on XXXX XXXX, 2017. They also made a payment in the amount of {$56000.00} on XXXX XXXX, 2017. We received a letter from Shellpoint of Notice of Default and Intent to Accelerate dated X/X/2017. We have contacted them and talked with several employees without resolution. We have asked them for an audit and a full explanation of the amount they feel is owing. They have sent us an account summary but we have not received an adequate explanation of the full postings in the bankruptcy. We have been working with them since XXXX 2017 and feel that they are not diligently pursuing resolution. We have had no control over the selection of mortgage holders since our contract was sold by XXXX XXXX XXXX ( XXXX XXXX ) several years ago, we wish to refinance with a reputable firm as we have no confidence in Shellpoint. We are unable to do that until this matter is settled. We would appreciate any help you can provide.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX {$3400.00}, XXXX XXXX {$1600.00}, XXXX XXXX {$2100.00}, XXXX XXXX {$8500.00}, XXXX {$1400.00}, XXXX {$650.00}, XXXX {$970.00}, XXXX {$910.00}, XXXX {$860.00}, XXXX XXXX {$1500.00}, XXXX {$1100.00}, XXXX XXXX {$680.00}, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Debt collection

On XX/XX/18, XX/XX/18, and XX/XX/18 I submitted verification to the credit bureaus of the accuracy of the charge off account placed on my credit file by US BANK. 
Not until XX/XX/18 via CFCB did I receive a response from US BANK. 

It is my understanding that the bureaus were supposed to receive a response ( as well as I ) within 30 days to prove the accuracy and verification of this account. This was not done within this timeframe. This is a violation and the account should have been removed.

In their response via the CFCB portal they also insinuated that they had incorrect addresses for me in order to verify me of the alleged debt from 2 separate collection offices. 

I would like to know when those collection offices were attempting to contact me since my phone number and address were the same for quite some time.
Product: Debt collection

I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for Synerprise Consultinto release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you - Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after. 


Best Regards,
Product: Mortgage

I applied to a 2nd mortgage thru Discover loans recently on line. I was mailed the loan application and received it on XX/XX/XXXX. I gathered all information they said was needed, signed all necessary pages and returned the application through the US postal service 3 day on XX/XX/XXXX ( which they should have received on XXXX XXXX ) I have not at any point during this application process received any correspondence via email, phone call, or US mail from Discover Loans asking for additional information or concerning any problems with my application, but today on XX/XX/16 I receive an email from them stating that they have been trying to contact me and due to not being able to do so have closed my file and that I am free to start this process all over again. Again I repeat, at no time have has discover card reached out to my in anyway about anything. The obviously have my information on how to reach me ( I got the email when I started the process and one when they closed it but not a word from them in between ) Which leads me to question what really is the issue
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute errors on my Experian credit report that need to be fixed. The report shows incorrect names, " XXXX XXXX '' and " XXXX XXXX, '' which do not belong to me. My correct name is " XXXX XXXX XXXX XXXX XXXX. '' The report also lists two incorrect addresses, " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX '' and " XXXX XXXX XXXX XXXX XXXX D A, XXXX, NJ XXXX. '' The correct address is " XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. '' Lastly, the report lists the wrong employer as "XX/XX/XXXXXXXX XXXX '' and " SELF EMPLOYED. '' My correct employer is XX/XX/XXXXXXXX. '' As mentioned in 15 USC 1681e ( b ), the mistakes on my report violate the requirement to maintain the maximum possible accuracy of information. These inaccuracies impact the integrity of my credit file and go against the law 's rules for accurate reporting. I request that my personal information be updated and corrected accordingly. Failure to do so could result in liability under 15 USC 1681n and 1681o, with possible damages of up to {$1000.00} for each mistake.
Product: Mortgage

XXXX XXXX XXXX  XXXX my lender ) sent a notice of escrow shortage with their XX/XX/year> statement. I responded with a letter XX/XX/year>, and advised them my escrow account was over, XXXX at the time. 

My monthly payment was increased {$130.00} to {$1400.00} starting XX/XX/year>. My account statement XX/XX/year> shows the current {$1600.00} balance before I made the XXXX payment today. 

XXXX XXXX taxes are XXXX per year, which have been paid. I've paid {$6700.00} to escrow this year before today and that payment will take me over {$7000.00}. 

Also, my senior exemption of {$500.00} is not reflected in the current statement. 

Please review their bookkeeping and take the appropriate corrective action. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following items completely from my Credit Reports : XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removal of the inaccurate information about my inquiry has not been given any attention by Transunion Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, Transunion XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here is the list of the following Inquiry that needs to remove Completed from my Credit Report. 
XXXX Date of inquiry XX/XX/2020
Product: Credit card

I have been trying to go over my 3 Lowe 's account with customer service who does not speak very good english or understand. But each time I call I get someone in the XXXX. I get put on hold or go from customer service back an fourth to fraud division for hours on hold? My 1st Lowe 's card number XXXX, I have not used this card for several years. I noticed someone had starting having problems with the card in XXXX. So I filed a fraud alert with the credit Bureaus and all my credit card companies. I noticed someone was charging items on my Lowe 's card, I filed fraud dispute on these charges. So they agreed to send me out a new card which I did not receive, when I called about my new card it was discovered that someone had called in and changed my address, plus phone number to a XXXX address. XXXX XXXX XXXX XXXX XXXXXXXX IL. XXXX phone # XXXX, XXXX, XXXX, in which I do not recognize. The new replacement card was sent to the address above. So I had that card replaced with Account number XXXX. Again I did not receive my card, that is when I called in and had my account closed and filed fraud dispute again. For some reason I am still receiving bills and Lowe 's keeps ruining my credit. Please straighten this out or send it to someone who can. I have not used any of these lowes/synchrony card since XXXX. Synchrony has tried to collect on debts that I did not make, Paypal/Synchrony, HomeDepo/Synchrony, Lowes/Synchrony , and several other /Synchrony Credit Cards that someone else had applied for and used??
Product: Credit card

I am a member of USAA. I have a card that I use, but not consistently, so I would expect some months there would be no charge and no statement. I had signed up for " electronic delivery '', and have been receiving promotional emails that include " For your credit card ending in ... '', and also received a bill back in XXXX that I paid, so I thought I was still signed up to received electronic notifications, as I was still getting notifications that specifically referenced my card. In XXXX I received notification that my balance was overdue and to pay it or I would go into collections. I paid it immediately. It was only for about {$33.00}, so I didn't notice there was a {$15.00} late fee attached. I just received another letter today, and that is when I saw XXXX late fees : XXXX for {$15.00} for XXXX and XXXX for XXXXXXXX XXXX  for XXXX. Again, I paid the balance just a few minutes after I got the notice in the mail. However, I never received any kind of normal notification that a bill was due. Had I received that I would have paid on time. 

I called to find out why I wasn't getting a statement, only to be told that I have to go into their app or website and update my preferences to receive notifications if I had signed up for electronic delivery. I felt this was really deceptive, as electronic " delivery '' implies i will be sent notification, not that I will have to go to their website to fish for a bill. As I had gotten statements by email previously and was getting other emails during this time, including ones that referred to my credit card, I thought I was signed up to receive notifications about my account. The agent and a manager informed me that only XXXX fee could be waived. While I can understand wanting extra alerts for things like charges over a specific amount, or automatic payment made, I can not fathom why anyone signing up for " paperless delivery '' would, as a default, not want to receive notification that they have a bill due. While this is only {$15.00}, it strikes me that this could result in other members being charged late fees because they received some emails from USAA but not their statements. The app was confusing to even get to this setting, and because I was receiving other emails I had no reason to assume I needed to take this action.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles operations, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ). As a user of the platform, I am troubled by the allegations that Zelle has not adequately protected consumers from fraud and unauthorized transactions. 

The safety and reliability of a financial service are paramount, and the allegations of Zelle failing to address widespread fraudulent activity raise serious doubts about the platforms commitment to its users. Transparency, swift dispute resolution, and effective consumer protections are essential for maintaining trust, and I feel Zelle has fallen short in these areas. 

Unfortunately, I fell victim to fraudulent activity while using Zelle, and despite reaching out to the team for assistance, I received little to no meaningful help in recovering my funds. 

I urge them to take immediate and concrete steps to enhance consumer protection, improve fraud prevention measures, and communicate these improvements transparently. I want to feel confident that my financial transactions are secure and that Zelle prioritizes customer safety and trust above all else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

My house was severely damaged by fire, In XX/XX/XXXX. Since then, I no longer have the single rental income that I was dependent on to help me in paying my Reverse Mortgage obligations ( Retaxes, Insurance, Water/sewer ). I am a XXXX old, XXXX man living on my Social Security Income. My Insurance Company denied my claim and I have filed suit against them in Federal Court. The decision is scheduled for XX/XX/XXXX. 
Since the fire, I have met all my obligations, yet my Loan Servicer, Plaza Mortgage foreclosed on my property, because I had not fully paid my insurance. I borrowed the money to meet the Insurance payment and the foreclose is temporally removed. Since I depleted all my savings to meet my mortgage expenses, I now find myself unable to meet any of my mortgage expenses on time. Although my mortgage holder is aware of my current situation they continue to harass and threaten me with foreclosure. I am a very sick man and this pressure from Plaza Mortgage is having a profound effect on my health, I have since learned that Mortgage servicers like Plaza, employ tactics and impose illegal charges on individuals like myself. I am seeking the assistance of CFPB, as I try to keep only asset I have, my home. Please let me know where I can seek help ( financial or other ). 
Meanwhile, I can only watch as the inflated interest rates literally rip the value out of my house. Because I have a adjustable interest rate for the past two years is over 12 %. 
Please help or advise me on how to proceed, going forward. Thank you
Product: Debt collection

The Equifax Credit Reporting Bureau is erroneously listing that I owe XXXX telecommunications collection accounts. I so not owe anything to either XXXX of them accounts nor have I ever had an account with them. They are stated as : XXXX. Company Name : XXXX XXXX XXXX  Date : XXXX Amount : {$350.00} XXXXCompany Name : XXXX XXXX Date : XXXX Amount : {$540.00} Equifax has already admitted to allowing a data breech on my credit bureau records .

Under Fair Credit Reporting Act ( FCRA ), which is Title VI of the Consumer Credit Protection Act. The FCRA is codified at 15 U.S.C. 1681-1681x : The Key Protections are as follows : Sure! Here are some key provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. Accuracy and Privacy : The FCRA promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies Protects Consumer Rights ] ( XXXX XXXX XXXX ). It ensures that consumer reporting agencies maintain accurate data and protect consumer privacy. 

XXXX. Disclosure of Information : Companies that provide information to consumer reporting agencies must investigate disputed information and notify consumers when an adverse action ( such as denial of credit, insurance, or employment ) is taken based on their reports. 

XXXX. Consumer Rights : Consumers have the right to know what is in their file, request a free copy of their credit report once every XXXX  months, and dispute incomplete or inaccurate information. They are also entitled to a free file disclosure if they are the victim of identity theft, have inaccurate information due to fraud, are on public assistance, or are unemployed but expect to apply for employment within XXXX  days. 

XXXX. Adverse Action Notification : If information in a consumer report is used against them, consumers must be notified and given the name, address, and phone number of the agency that provided the information. 

XXXX Credit Scores : Consumers have the right to request a credit score from consumer reporting agencies that create or distribute scores used in residential real property loans. However, they may have to pay for it unless it's provided for free in certain mortgage transactions. 

XXXX. Dispute Resolution : If a consumer identifies inaccurate or incomplete information in their file, they can report it to the consumer reporting agency, which must investigate unless the dispute is frivolous. 

These provisions help ensure that consumer information is handled responsibly and that consumers have the necessary tools to protect their credit information. 

On XXXX : I contacted Equifax attempted to resolve the outstanding collection issues that are being reported. Yet was unable to submit my inquiry after attemting to do so XXXX ( XXXX ) times that day.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

What happened? 

I am filing this complaint regarding twXXXX unauthorized hard inquiries that have appeared on my TransUnion credit report. These inquiries were not authorized by me and should be removed from my credit report. 

Inquiries in question : XXXX. XXXXXXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) - Date : XX/XX/XXXX Actions taken : I have not authorized these inquiries and have not provided consent for these institutions to pull my credit report. These inquiries are negatively impacting my credit score and were conducted without my permission. I have already submitted an FTC report for these unauthorized inquiries.

Supporting USC Codes : - 15 U.S. Code 1681b - Permissible purposes of consumer reports - This code specifies the permissible purposes for which a consumer reporting agency may furnish a consumer report. Any inquiry not fitting these purposes is unauthorized.

- 15 U.S. Code 1681n - Civil liability for willful noncompliance - This code allows for civil liability for willful noncompliance, entitling the consumer to damages.

- 15 U.S. Code 1681o - Civil liability for negligent noncompliance - This code allows for civil liability for negligent noncompliance, entitling the consumer to damages.