23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Complaint Addition/update : This is a response to SLS 's  request 60 days to respond to my complaint COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Trouble during payment process. I am requesting an immediate response to questions I started asking in XXXX of XXXX and ongoing errors SLS refuses to correct. SLS must correct negative credit until this matter is resolved. I have been told I can get no credit until 14 months after said negative has been brought current. 
This is a request for SLS immediately : 1- mail me a copy of a letter they have or will immediately send to all 3 credit reporting agencies requesting all negative credit be removed from my report. 
2-mail me a second letter agreeing to halt all future negative reports to the credit bureaus because or until SLS states did or did not take my XX/XX/XXXX payment to cover escrow shortage spreads of high as {$17000.00} to {$12000.00} with knowledge SLS had not moved the last funds to escrow correct it's error in reducing my mortgage payment and the XX/XX/XXXX analysis showing the corrected escrow shortage was less.. 
3- SLS is to send me a letter stating SLS did or did spread the above inaccurate escrow shortages which were higher than that of the XX/XX/XXXX analysis showed {$10000.00} is the figure SLS should have spread. 
4-SLS did or did not double/increase my modification payment effective XX/XX/XXXX to correct at shortage of more than {$19000.00} due to SLS 's reduction of my modification payment XX/XX/XXXX without just cause, failing to verify escrow payments with taxing authorities, my insurance company nor XXXX XXXX who had set the original payment. 
5-XX/XX/XXXX XXXX transferred {$2200.00} of escrow to SLS with the loan in XXXX, please explain why SLS refunded {$1400.00} of said escrow to the borrower in XXXX and told the borrower SLS required a minimum of {$2800.00} in excess escrow be kept in his account. 
.6-SLS 's response to my previous complaint stated the XX/XX/XXXX payment was due at time of transfer which is not true. Please provide the date my XX/XX/XXXX payment was received and verify did XXXX XXXX transferred the loan XXXX of XXXX with loan payment being automatically withdrawn from the borrower 's account the first of every month until XXXX of XXXX when SLS doubled my payment. 
7- send the information on contact information on the owner of the loan
Product: Mortgage

Shellpoint Mortgage Servicing has been overcharging my account from XX/XX/XXXX to the current date. Charges include overpayments listed on the mortgage statement, alleged home inspection, overcharged late fees and hazard insurance. I tried resolving this matter through dispute of making Shellpoint aware of the misconduct of the account and as yet the misappropriation of my funds has not stopped nor been resolved. I also filed a complaint with the South Carolina XXXX XXXX on XX/XX/XXXX. I filled out an intake sheet and assigned an attorney on the case. Shellpoint was also sent a Letter of Demand on XX/XX/XXXX in amount of approximately {$930.00} owed in debt of my account, ( XXXX XXXX and XXXX Dollars ) which has increase being this case is currently going on and Shellpoint still continue to overcharge my account late fees. I was hoping to resolve this matter through mediation and if I can not resolve this through mediation than I attend to file the complaint with the XXXX XXXX XXXX in XXXX South Carolina. If Consumer Financial Protection Bureau knows of any one that can mediate this problem between myself and Shellpoint it would be appreciated. I am a retired senior citizen with very low income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried over and over again ( at least a dozen times ) on XX/XX/2021 to get my 3 credit reports online through XXXX. Each time, I got a vague error message telling me that either my credit report wasn't available, or they were not able to verify me -- even though all the information I provided repeatedly -- was complete and accurate. ( I checked it dozens of times ). I then tried to contact someone at annual report.com, using the " contact us '' button provided on their website, and let them know I wasn't able to use their website to obtain my credit reports. I got a computer generated boilerplate letter in the mail on XX/XX/XXXX telling me I would have to ask for my credit reports by mail. Yes, snail mail. Really???

I then tried again to get my reports online and so far have only been able to get my Transunion report online ( which I have saved to PDF and stored ). This is what I wish to do with my other credit reports, but for some reason, I kept getting the same error message I received on XX/XX/XXXX and wasn't able to get those. Yes, I got the same ridiculous message asking that I submit a request to receive them by snail mail in paper form. Extremely inconvenient and inefficient. And horrible for the environment.

If I am supposed to have access to my credit reports for free on a weekly basis, and I don't see how I could possibly send a separate letter to each of the 3 credit reporting agencies every week. That is completely ridiculous. This needs to be resolved immediately, as there is a pressing after that requires me to have access to my credit reports in real time ( not the 2 weeks it ordinarily takes by snail mail -- especially after XXXX gutted -- and continues to try to destroy -- the USPS ).
Product: Student loan

Starting around 2004 I took out loans with Sallie Mae. In no way did my school explain to me that they were private loans. Now the loan servicing center Navient is trying to make me pay XXXX back to them. I did not even know who navient was until they started hounding me. I have tried to work with them but I am currently behind. I can't pay this ridiculous amount and I don't feel I owe it especiallywhen Sallie Mae was the servicer and apparentlysold my loans to Navient. It's a shame a school would continue to ask so much tuition that they have to result to tricking people into private loans and loan money that they know borrowers won't be able to pay back. I'm in my XXXX year of teaching and can't think about retiring because of Navient. They are also hounding my XXXX XXXX XXXX mother who was my cosigner. Nothing they have told me was true even to the point that they promised if I made 12 payments of XXXX a month they would release my cosigner and then they didn't honor it. In trying to do this I almost lost everything I have and even my spouse. It doesn't matter if you get the company to investigate its own people, they are not gon na be for the borrower.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I spoke with a Equifax Representative at XXXX estimated time about me the inaccurate investigation by Equifax concerning my credit file Confimation # XXXX inaccuracy and Equifax Failing to provide me the consumer with " Verifiable Proof '' of the original creditor signature concerning the debts in my credit file. Equifax representative misrepresented me, was rude, and Intentionally and Willfully ended the call with me without my consent and transferred the call to a survey. Check their recordings. The Equifax Representative Did This Because He didn't have a accurate response concerning the unlawful acts Equifax have commited in Violation of 15USC 1681 ( a ) ( 4 ) Negligence, Breach of Confidentiality, Breach of Trust, Data Brrach, False Documentation Inside My Credit File, Identity Theft, Fraud, Damages all affecting my Credit causing me severe finacial Hardship and enslavement of my future
Product: Credit reporting, credit repair services, or other personal consumer reports

I want LVNV Funding to validate this accountg they are reporting on my credit report!
Product: Credit reporting or other personal consumer reports

I'm filing a complaint against your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Items were deleted from my credit report, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or I will seek litigation. I have also attached an invoice for violations of the 3 items. Payment is to be remitted to the address on the invoice. The remedy is being pursued in relation to Rule 55 of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, I originally opened a case in XXXX of 2020 regarding a transaction that is not valid. The credit card company didn't open it until XXXX. They had given me a provisional cresit. They incorrectly closed my claim in XXXX stating that " I had requested to cancel the purchase '' which is not true, and upon further investigation they have reopened the case. Because of the fact it was closed, I am supposedly no longer eligible for a provisional credit ( even though I did not request to close it ) and I now have a pending balance due of the full amount of this charge as well as the interest associated with it. They are not being helpful at all.
Product: Credit reporting or other personal consumer reports

I was shocked this afternoon to find inaccurate accounts suddenly appearing on my credit report, with no explanation whatsoever. I checked my credit report as usual, but this time, out of nowhere, there were errors. I even tried refreshing the browser, hoping it was just a glitch, but the errors didnt disappear. Given this unexpected issue, Im asking for a thorough review of the documents Ive sent to ensure I wont have to worry about this again.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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: Money transfer, virtual currency, or money service

Put simply, it never works. whenever I am dire need of access to my funds, PayPal randomly stops working and no customer service agent is able to ever fix it in a timely fashion. This has been going on for years and its included one occasion when XXXX XXXX XXXX XXXX XXXX XXXX and PayPal EVEN WHEN MY LIFE WAS AT STAKE was not able to fix their own XXXX product. 

Furthermore, I am banned for life from Venmo FOR NO REASON, but i am apparently able to use PayPal still? PayPal owns Venmo.. 

Whats really going on there is that PayPal makes money off of the Exchange of cryptocurrency. I used to do this independently, including with Venmo. PayPal weaponizes their terms of service and subsidiaries against independent Bitcoin traders to enforce a monopoly on trading crypto with PayPal and Venmo, which makes this also an anti-trust concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any unauthorized inquiries which was opened without my knowledge, consent or authority. The following inquiries need to be removed as they are fraudulent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In XX/XX/2023, EdFinancial listed my IBR loan as forgiven on their website. ( I also have much public service, but no technical qualification due to dates. ) In detrimental reliance on that information, I made several significant changes in my life. My current payments are XXXX XXXX and as I understand it, I need to wait about 5 more years for forgiveness under IBR, but I'm upset by being misled about status, and consequences of their reneging. Is there anything to be done? Thanks for your attention.
Product: Credit reporting or other personal consumer reports

I disputed an inaccurate account with TransUnion, but they failed to properly verify the information as required under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX, Account # XXXX. 

TransUnion claims the information was verified, but they have not provided the legally required method of verification under FCRA XXXX ( a ) ( XXXX ). I formally requested this information, and they have failed to comply. If the account can not be 100 % verified with actual documentation, it must be deleted per FCRA XXXX ( a ) ( XXXX ) ( A ). I am requesting that TransUnion remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get validation of a debt that appears on my consumer report. I have sent request on XXXX, XX/XX/22 and XX/XX/22 with no response from the consumer reporting agency ( Experian ). I requested that the account be validated or deleted and to date, no response has be forthcoming.
Product: Checking or savings account

I got my checking AND savings account closed down by Discover Bank over 3 weeks ago with still no reasoning as to WHY they have even closed it and I still have not received my checks with my balance of over {$3500.00}. Since XX/XX/year> I have been getting lied to and neglected by tens of supervisors and representatives and just given straight up wrong information and hung up on multiple times. On top of that I have gotten many late fee 's because of this situation and no being able to pay any bills and I have almost lost my home due to not being able to pay my rent because discover still has my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter previously to three credit bureaus to inform them that the disputed items still remain on my credit file. I kindly request that you assist me to investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Kindly assist me to remove these fraudulent items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX Balance : $ XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX  XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX XXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX A ) XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00}.
Product: Debt collection

Im constantly receiving calls and emails from different companys regarding student loans debt, credit card debt, and debt from a school that I didnt attend a semester at.
Product: Bank account or service

I 'd like Chase Bank to issue a letter of explanation about a forged check on my account. It 's almost comical, but I do need the letter so i can complete the refinance of my mortgage. 
In a nutshell : Someone going by the name XXXX forged a check on my account. I alerted Chase and a day later Chase closed my account, and opened a new account in my name. 
While Chase apparently automatically forwarded other autopay orders to my new bank account, somehow the autopay for my Chase credit card - and only my Chase credit card - was not forwarded, and I missed two payments. Chase 's credit card division then reported my delinquency unleashing a cascading chain of events, as my credit rating momentarily plummeted and XXXX is now holding up my mortgage refinance until i can supply a letter of explanation from Chase. 
Chase refuses, of course to admit they goofed, and refuses even to issue a letter explaining the events that led to the late credit card payments. Meanwhile, my credit score has recovered but XXXX 's mortgage division insists on a letter of explanation from Chase before they will allow me to complete my refinancing. 

I am attaching copies of relevant correspondence. 

Please ask Chase to issue a brief letter of explanation, noting that a forged check forced the closure of my account and an oversight led to two missed credit card payments. My Chase account has a balance in excess of {$110000.00}, and the credit card bill was in the hundreds. 

Many thanks - XXXX XXXX XXXX
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : BK OF XXXX XXXX # XXXX XXXX XXXX XXXX ACC # XXXX XXXX IN ACC # XXXX ACC # XXXXXXXX XXXX ACC XXXX XXXX XXXX XXXX XXXX XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

Subject : XXXX  Adjustment Request for Late Payment Account Ending in XXXX Dear Bank of America Customer Service, I hope this letter finds you well. I am writing to formally request a goodwill adjustment for a late payment reported on my account ( ending in XXXX ). I take full responsibility for the late payment ; however, I would like to explain the circumstances and kindly request a one-time courtesy removal. 

From XX/XX/XXXX to XX/XX/XXXX, I was experiencing significant financial hardship, which unfortunately impacted my ability to make a timely payment. As a XXXX XXXX, I have faced unexpected financial challenges during this time, but I have since taken steps to stabilize my situation and ensure that all future payments are made on time. 

Prior to this, I have maintained a consistent history of on-time payments and have been a responsible account holder. This was an isolated incident, and I sincerely regret any inconvenience it may have caused. Given my long-standing positive relationship with Bank of America , I kindly ask for a XXXX  adjustment to remove this late payment from my credit report. This adjustment would greatly assist me in maintaining a strong financial standing as I continue to move forward. 

I truly appreciate your time eand consideration in reviewing my request. Please let me know if you need any additional information. Thank you for your support and for the valuable services you provide. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

The bank keeps arbitrarily honoring ACH withdrawals even though I had a negative balance. I am being charged {$36.00} for each " bounced check ''. This is keeping my balance continue to go into the negative and I have not been able to afford to close the account once and for all. The bank is PNC Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX, has 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 1666b A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I went to the car dealership and was trying to apply for a car. They said they was going to give me a soft inquiry on my credit but when I checked there was a lot of hard inquiries. The names are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX