23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It XXXX Concern, I am writing to express my frustration and disappointment with Shellpoint Mortgage XXXX 's handling of my insurance check related to the damage caused by Hurricane Beryl on XX/XX/year>. The lack of urgency and repeated delays in processing this matter have caused unnecessary stress and delayed critical repairs to my property. 

After filing an insurance claim, I received a check for {$6900.00} and sent it to Shellpoint Mortgage via certified mail on XX/XX/year>. I was assured by a representative that the check would be processed and returned within XXXX business days. However, weeks passed, and I was informed that the check could not be located. 

Subsequently, I worked with my insurance agent to issue a replacement check. Before mailing the replacement, I contacted Shellpoint to request expedited processing given the prior mishandling, but I was told the same standard XXXX business day timeline would apply. The replacement check was sent via certified mail on XX/XX/year>, and tracking confirmed it was received and signed for by Shellpoint on XX/XX/year>, at XXXX PM. 

Once again, XXXX business days passed with no update. When I followed up on XX/XX/year>, I was told the check could not be located. I requested to speak with a supervisor but was unable to do so at that time. After escalating the matter further, I finally reached a supervisor on XX/XX/year>, who acknowledged that the check had been received but was sitting in a backlog of letters yet to be processed. 

This level of negligence and delay is unacceptable. It has been over XXXX and a half months since I began this process, and my roof remains unrepaired due to Shellpoint 's mishandling of the insurance funds. The funds do not belong to Shellpoint, and holding them for an unreasonable amount of time is both unprofessional and detrimental to your customers. 

I demand immediate action to expedite the processing of my check and a written explanation for the repeated mishandling of this matter. I also request that Shellpoint reviews its procedures for handling insurance claims to ensure that no other customer endures such an ordeal. 

Please address this issue promptly, as any further delay is wholly unacceptable. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Hello, My name is XXXX XXXX. I now live in Tennessee and While off of work on XXXX Lewis McDonnell Associates called my place of employment. They also called on XXXX and threated to come up to my job. I had no knowledge of this case nor have I ever received anything from them. I spoke to someone named XXXX ( who refused to give last name ) was completely rude on XXXX. After calling my place of employment for a Second time telling me he doesn't care, this isn't customer service. I asked him to stop the calls to my place of employment, and let him know about Debt Collections Act doesn't exist. After I told him that they are violating this Act. He said that the calls wouldn't stop and that I would be getting served at my place of employment. and that no such act existed XXXX was yelling and completely and utterly unprofessional.
Product: Checking or savings account

On Monday XX/XX/2021, while at work I began receiving text messages from Chime Bank indicating security codes, which I did not request. Someone transferred all of my funds from my credit building and savings accounts to my spending account and then sent it internally to pay to friends. The transaction was sent to a XXXX XXXX I have never nor did not authorize this transaction. This low life left XXXX cents in my account and this is not the first time. My debit card has been compromised with this bank and replaced twice. They need to better safeguard the accounts of their members and the FDIC really needs to further investigate.
Product: Checking or savings account

I was scammed by online company. 
Tried to buy cat for XXXX . 
Pay in Bank of America and bank does not allow me to Desputing. Its happening XX/XX/2121 2121
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was considering the purchase of a vehicle and was shopping insurance costs. I ended up giving XXXX my credit card, not sure why they needed it, that according to their phone rep bound me to a policy for the vehicle. I thought it was a deposit that if I didn't use them I could get back. I did not buy the vehicle so did not need insurance. My existing insurance, XXXX, covered me for the vehicle anyway, and I have provided them proof of that coverage during the time they are billing me for. I even cancelled with XXXX and they continued to bill me. Now that I haven't paid, and obviously can't afford 2 insurance payments, especially for a vehicle I don't own, they turned me over to collections, Credit Collection Services, who continues to harass me and ruin my credit. I have talked to both about this, multiple times but didn't keep the exact dates, and it all keeps coming back to ME needing to go to the DMV and provide them with a report showing my name is not listed as an owner of the vehicle. This is a direct violation of the FCRA surrounding accuracy of data and their only solution is for me to go wait at the DMV to get a report to send them so they can consider the disputed amount. They have also asked me to call the dealership to prove it, which I have, but their accounting team never gets back to me. Meanwhile, they have destroyed my credit. They can run a report themselves to see I don't own the vehicle but they choose not to do anything on their side to try and resolve. Just keep pushing it back to the consumer and if I don't do what they want, to fix their error, I get harassed by a collection agency. I spoke to Credit Collection Services and XXXX on XX/XX/2021 one last time to try and resolve.
Product: Credit reporting

Dear sir/madam, as I was going through my credit report on Experian and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX XXXX XXXX any time I dispute the account, they kept sending a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX XXXX. Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX XXXX or any of it affiliates. 
I am requesting that XXXX XXXX XXXX or any of their affiliates should remove such negative statement from my credit report
Product: Debt collection

XXXX. I have never had an account with these company, JPMCB CARD with Account Number : XXXX, REMOVE from all credit reporting agencies that's reporting. 

XXXX. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You are JPMCB CARD, the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B ) ( 3 )
Product: Credit reporting or other personal consumer reports

PLAINTIFF : XXXX XXXX XXXX DEFENDANT : EXPERIAN XXXX  XXXX MUST BE REVIEWD BY A HUMAN MUST BE REVIEWED BY A HUMAN VIA XXXX XXXX MAIL/RETURN REQUEST CERTIFIED # XXXX XXXX XXXX XXXX XXXX XXXX DEAR DEFENDANT : EXPERIAN INFORMATION SOLUTIONS , INC . 
XX/XX/XXXX MY STRAWMAN NAME READS : XXXX XXXX XXXX MY STRAWMAN ADDRESS READS : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX MY DOB READS : XX/XX/XXXXXXXX  MY SSN LAST FOUR READS : XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX My First & Last name are as follows : XXXX XXXX XXXX My Current Street Address is as follows ; : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and ACCURATE information on my credit report per FCRA regulations 15 USC 1681a and I demand, as my lawful right, for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue, My First & Last name are as follows : XXXX XXXX XXXX My Current Street Address is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX After you have completed my request, please send me a copy of my credit report reflecting these changes.My current address is XXXX XXXX XXXX XXXX XXXX MESQUITE TX XXXX YOUR COMPANY IS SETTING ME UP FOR IDENTITY THEFT FRAUD PRIVATE AND PUBLIC FRAUD IF MY MAIL FROM YOUR COMPANY ENDS UP IN THE HANDS OF A SCAMMER EXPERIAN WILL BE LIABLE AND I WILL SUE FOR NEGLEGANCE! DELETE ANY NAMES ADDRESSES THATS NOT IN THIS LETTER THAT EXPERIAN IS HOUSING ON YOUR PLATFORM! FIRMLY, XXXX XXXX XXXX XXXX WITHOUT PRJUDICE
Product: Payday loan, title loan, personal loan, or advance loan

They told me one fee, but when I looked at my account it was outrageous fees & interest
Product: Vehicle loan or lease

I am writing to file a formal complaint regarding the actions of Santander Holdings USA , Inc. concerning the repossession of my vehicle XXXX XXXX XXXX in XXXX. Despite being entitled to the right of rescission under 15 U.S. Code 1635, which provides consumers with the ability to rescind certain types of credit transactions within a specified period, Santander failed to honor this legal right. After promptly notifying Santander of my intent to rescind the loan within the allowable timeframe, they proceeded with repossessing my vehicle, an action that clearly violated federal law and my rights as a consumer. I contacted the attorney general for my state in Florida, rust law firm and Santander. I ve been patiently waiting for the remedy and its almost near the end of XXXX. I sent the rescission letter and called Santander Holding USA, XXXX XXXX XXXX, Florida the car dealership back in XXXX, but these companies looked past me in the worst way. 
Furthermore, I have not been granted any relief or compensation from the settlement that was reached in the lawsuit involving Santanders fraudulent and deceptive practices against desperate consumers. Despite the documented evidence of my case, I have not been included in the settlement benefits that were intended to provide relief for consumers affected by Santanders predatory lending and improper repossession tactics. This exclusion has further compounded the harm I have experienced and left me without recourse. I have been taken advantage of and I doubt Santander will fix this issue.

I respectfully request that the CFPB investigate Santanders failure to honor my right to rescind, by pulling files and not just listening to some shady character or characters. I am the one that is severely affected by this group as a consumer. They unlawfully repossessed my vehicle, and my exclusion from the settlement. I seek your assistance in ensuring that Santander is held accountable for their violations of consumer protection laws and that I receive the proper remedy and relief for the losses I have suffered. Santander, and XXXX XXXX XXXX have all my documents that i sent regarding the right to rescind. 
Thank you for your attention to this important matter.
Product: Credit reporting or other personal consumer reports

Inquiry was placed on my credit report that I did not submit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, now XXXX on multiple occasions, I even contacted the Federal Student Aid Department. This information didnt get updated. They have admitted to putting a retroactive forbarence on my account. I called and advised them on multiple occasions that it should be in a forbearance status as I was unemployed at the time, and was going though financial hardship still due to the loss of my mother, they have failed to retroactively correct this all the way, and have not updated my credit report for years.
Product: Payday loan, title loan, or personal loan

I am two months past due - approx. {$140.00} I have no income at the moment and am not in stable housing. I explained this to several people who have called. I asked them to stop calling me. They increased their calls. I get up to 62 rapid, repeated calls within an hour each day. I have been able to block their numbers but it went on for more than a week. When I tried to call the number back they do not answer.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : DEPTEXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX {$6700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX # XXXX - Opened XX/XX/XXXX Account name : XXXX XXXX XXXXXXXX  # XXXX Opened XX/XX/XXXX Account name : USDOEXXXX  # XXXX - Opened XX/XX/XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX These accounts have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I advised professional bureau of collections maryland ... that I never received a notification ... they reported on my credit report on XX/XX/XXXX ... the account was received by them for collections in XX/XX/XXXX ... asked when notification was sent they said via email ... to some unknown email address that's not mine ... they continued to text and call me ..even after advised..they never sent me a validation if debt ....
Product: Mortgage

I called XXXX  due to COVID Forbearance Relief they said there was high volume in calls and said my forbearance would end on XX/XX/XXXX, but then they said I would owe all funds all at once, I told them I did some reading and they can't make me pay all at once. They did not offer how they will settle my forbearance once it is over. There number is XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft information that is reporting I didnt open up any accounts
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00}
Product: Mortgage

In XXXX, 2019 the house went into foreclosure due to financial issues. My ex-husband had taken out the mortgage, while we were married, in his name only. I filed with the court and mortgage company to get the loan put into my name. A modification was put into motion. After completing the 3 month trial, it was finalized - however, the amount was for close to {$8000.00} more than was owed originally. I was told that there would be NO additional fees to the modification. Upon seeing the final modification papers, I was under the impression that once the first permanent payment was made the loan would go back to the original $ XXXX. I even noted this in correspondence with the mortgage company in an email that included their attorneys and the magistrate overseeing the case. Since then the amount has not been fixed. In XXXX, 2019, I had a phone conference with XXXX XXXX and XXXX XXXX, of Flagstar Bank. It was explained that I would be given a trial modification for XXXX, XXXX and XXXX and provided I met the requirements, the loan would be modified in XXXX permanently. I was told that any late fees, penalties, etc my ex-husband owed would not be put on the loan or be my responsibility. XXXX, XXXX and XXXX, I made payments. When I got the modification in XXXX it was for {$99000.00} - it was my understanding that it would return to the {$91000.00} balance once XXXX XXXX payment was received. I have tried to contact Mr. XXXX several times with no luck. Attached you will find the transactions on the loan, modification, emails and confirmations of messages to and from all parties involved. Last attempt was XX/XX/XXXX -I have received NO response. 

My original complaint : XXXX was dismissed for the very issues I am complaining about. Your response was : The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

BUT they have had this authorization since last Summer and I have re-sent it several times. I am not only resending the original documents but also the signed authorization they keep claiming they need. 

Also the trial agreement, which clearly states ( Section 4 ) that additional charges can not and will not be added to the mortgage.
Product: Credit reporting or other personal consumer reports

This account was charged off for the amount of {$220.00}. However kikoff has reported that his account as charged off on my consumer credit reports. I am requesting a copy of the 1099c.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received an email from Experian to tell me that I have a negative impact on my credit report upon checking my report I found that XXXX XXXX reporting that Im late more than one month for my monthly payment. 
Accordingly I called XXXXXXXX XXXX and they informed me that it was a mistake from the administration team and it shouldnt been reported and they will try to fix it with the credit report. 
I complain today because this such mistake caused me lost 58 points from my score and my goal to achieve above 700 credit score was destroyed for such mistake and now I will never be able to being approved to get a conventional mortgage in order to be able to buy any apartment in New Jersey especially I got denied for over than 20 times to buy because my current mortgage is FHA loan which is declined by most sellers in NEW JERSEY. 
Please note that the credit bureaus are taking so long time when they add a positive impact on credit profile and they are very fast for negative ones. 
I have been fighting hard in the last year to buy a place to live with my family and I cant because the FHA loan that is being declined by most sellers either individual sellers or companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke with both XXXX  and GM financial XX/XX/20 after receiving a letter from GM Financial explaining they could not find my account. Spoke with both parties who told me that 1 ) XXXX   would not correct my credit reporting unless GM Financial let them. 2 ) Spoke with GM financial after they mailed me a letter saying we can find your account. 

I explained to GM financial what was on my credit report, how long this has been going on for and I was willing to settle this with GM financial and they said, NO. 

They are not actively trying to collect anything however they would not try and work with me to get this resolved, that they understand why XXXX  is saying that but they wont do anything. So I feel I am sitting here trying to get this corrected, off my record and both parties are saying they will not help me. How can I fix this if both parties are denying ownership and knowledge? I have disputed this multiple times which GM financial comes back and somehow provides my credit bureaus with information but when I dispute I get nothing and then letters saying they can't find me. Just want this to go away and they don't take me seriously or care. 

The account they have for me is under XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and the last 4 of my social is XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be Verified You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 

XXXX XXXX XXXX  on my report