23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My current mortgage lender is Shellpoint Mortgage. Shellpoint administers an escrow account on my behalf through which real estate taxes are paid.

I am refinancing my home mortgage through a new lender.

I contacted Shellpoint before refinancing to confirm that I could request suspension of real estate tax payments through Shellpoint 's escrow because my new lender would be assuming responsibility for these payments going forward.

Shellpoint representatives confirmed that real estate taxes could be suspended in the manner I requested.

I completed the refinance transaction and my new lender was to pay real estate taxes going forward.

After I completed the refinance paperwork, I was informed by Shellpoint that Shellpoint 's real estate tax payment through the escrow account could not be suspended.

This contradicted previous representations by Shellpoint.

The reason given by Shellpoint for not suspending real estate payments was that Shellpoint works with a third-party escrow administrator. No explanation was provided as to why Shellpoint could not work with the third-party administrator to request suspension of the tax payment.

I spoke to Shellpoint representatives several times after being informed that Shellpoint could not suspend real estate payments. I was told by phone representatives several times that real estate payments could in fact be suspended. I was also told that a " lock '' or " freeze '' had been placed on the account that would suspend the payment.

Shellpoint made the real estate tax payment despite their representations that it would not. I spent several hours on the phone clarifying these issues and the end result was contrary to my initial request.

In addition, once it was determined that both Shellpoint and my new lender had made payments on my real estate taxes, Shellpoint did not provide clear directions or sufficient documentation for me to request a refund on the duplicate tax payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXXn XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U. S. C 1681 Section 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Student loan

I enrolled into a XXXX. I am over {$100000.00} dollars in debt ( due to insanely high interest rates ). I was never able to finish school because I reached a " cap '' on federal loans and I was n't able to receive any private loans. Navient is asking me to pay over $ 500 monthly to pay back my parent plus loan. I make {$2000.00} a month and that is IMPOSSIBLE. They have no sympathy for their borrowers hardships and continue to tackle on fees and interest.
Product: Credit card or prepaid card

I purchased a XXXX gift card from XXXX on XX/XX/XXXX. Shortly after, I attempted to use the card at a seafood market. The transaction was declined, the merchant showed me his computer screen verifying the issuing bank declined transaction, however, a hold for the purchase amount of {$87.00} was placed on the gift card. On XX/XX/XXXX I called XXXX ( number on the back of the card ) and spoke with a representative who assured me that, without fail, the hold would be released on XX/XX/XXXX. Today is XX/XX/XXXX and the hold is still not released. I called customer service again and was advised the hold would not be released until XX/XX/XXXX. 
In addition, I have a {$12.00} balance on the card. I have attempted four separate time, at four separate merchants to use the card ( all amounts less than {$12.00} ). Each time, the card is declined for insufficient funds. Customer service has no explanation as to why these transactions are being declined. 
This company is holding {$87.00} of my money when the merchant has verified numerous times the transaction was declined and settled on their end. The small balance that is available is unusable because all transactions are declined.
Product: Credit card

I was charged XXXX $ for an order that I did not place. XXXX eats billed me for an alcohol order that I did not order or receive. According to uber and XXXX the order was to my address however I was not home nor did I place the order. XXXX explained that my card has been entered and billed manually then immediately rescinded. I was still out of pocket {$60.00}, XXXX eats refused to honor a correction due to my outreach surpassing XXXX hours after the order so my only option was to contact XXXX. XXXX refused to correct the issue because of the circumstances listed above. This is a fraudulent bill by XXXX eats and someone attempting to bill my card. I attest that I received nothing and did not place this bill
Product: Credit reporting or other personal consumer reports

I have requested that in three different occasions that each credit bureau Equifax, XXXX, and XXXX provided me with Original Level documentation from the Original creditors about the accounts reported. Neither the Credit bureaus nor XXXX XXXX XXXX were able to provide any evidence of account ownership from me, nor signed contracts where I owe XXXX XXXX XXXX any amounts at all. Hence another account was disputed because even XXXX was not able to produce such documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan ( serviced by XXXX XXXX ) is INACCURATELY reporting as late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My loan was in FORBEARANCE during that entire time period so it should be marked on time. I have tried to resolve this issue with Equifax multiple times by filing a direct dispute with them. They stated in their response to my dispute that " This creditor has verified to OUR company that the current status is being reported correctly. " That is IMPOSSIBLE because I have a credit reference letter from XXXX   XXXX stating my account has NEVER been delinquent ( see attached ). I also have provided my FORBEARANCE LETTER from XXXX XXXX proving my account was in forbearance during the period its marked late on my credit report. I believe Equifax is not actually doing an investigation and are falsely reporting on my credit report. It is my understanding that a credit reporting agency not correcting an inaccuracy after being provided PROOF of the inaccuracy is illegal and a violation under the FCRA. It is also my understanding that Congress decided the burden of proof falls back to the CRA and they must provide documentation to the consumer for what they are reporting. I received no such documentation. Provide me with a new credit report showing my payment chart for XXXX XXXX marked on time, with ZERO late payments. This should happen quickly since I have provided you proof of what I am saying. Or provide me with documentation of your so called investigation as to how you are verifying this information, as REQUIRED my law. These violations carry monetary damages, which I will pursue if this is not fixed.
Product: Credit reporting 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  Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

i checked my reports and noticed some inquiries from companies that i did not give consent to acces my credit reports. I am very concerned about all activity going on with my credit reports these days. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting an incorrect account on my credit report. Equifax is reporting uplift account which is not reported on my other two credit reports because the account is incorrect. Equifax incorrect reporting is negatively affect my credit and is causing me undue financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle is a XXXX XXXX with vin XXXX and the account number XXXX. 

I paid a XXXX lease in full and returned the vehicle in pristine condition, and well under the mileage limit allowed from XXXX XXXX to XXXX XXXX. 

I was told that there may or may not be an additional payment depending on XXXX 's final evaluation of the vehicle. I was in the process of moving from XXXX  to XXXX  in XXXX and lost track and contact with the company through time. 

The account was showing a status of " Paid, closed '' previously but ended up going in to a collection status for {$380.00}. I thought there was a mistake so I disputed it and around that time my credit score decreased by 100 points. 

There was a lot of confusion so I payed the additional payment but the account status is now showing up as 24 Charge off 's. This is frustrating because its derogatory and looks bad after I paid in full as agreed for {$17000.00} plus the exiting {$380.00}, and is obviously affecting my score negatively. 

I tried contacting XXXX several times to try and come to terms on this, but I keep getting shifted around, or I need to set up a new account but don't have information to start an account etc.. They're very difficult to work with, and to get in touch with the right people seems nearly impossible.
Product: Debt collection

I asked Hunter Warfield to stop contacting me in XXXX of XXXX on a recorded line. I received mail dated XX/XX/2024 that states it's an attempt to collect a debt. It reiterates the debt with a copy of my lease. I'm happy to provide the documentation they sent in the mail if necessary.
Product: Credit card

In XXXXXXXX XXXX XXXX I was offered a credit card from Citi with a XXXX XXXX XXXX for 13 months credit card. 

I apply, got approved and record the card approximately early XXXX. I put approximately {$1000.00} on the card. Approximately 3 weeks after I received the card I was notified the credit limit was reduced from {$13000.00} that both parties agreed to - to {$2000.00}. I submitted 2 complaints to citi via telephone. Both times the rep said theyd submit the claim. Both times within 24 hours I was denied. 

I checked with the credit bureau that is affiliated with Citi and they confirmed that from the time I applied for the card and when my credit limit was reduced there was no meaningful change in my credit report. 

XXXX XXXX and have had good credit since my XXXX It seems clear to me this was some kind of bait and switch. 

All I want is the restoration of the credit card limit of XXXX XXXX as both parties agreed credit
Product: Consumer Loan

We traded our Toyota Sienna in at the beginning of XXXX 2015. Our typical payment would have been due on XXXX XXXX but the dealership told us not to pay it as it was included in the payoff amount that would be sent to Toyota Financial Services. TFS received the payoff on XXXX XXXX, 2015. In XXXX we were told that Toyota had reported to the credit bureaus that our XXXX 2015 payment was past 30 days late. Since we were given this information I have contacted Toyota Financial Services XXXX times via phone, once via email and another via written letter. I have heard nothing. We need to get this removed from our credit report. This payment was not over 30 days late. We are in the process of purchasing a new home and this blemish on our credit report is significantly affecting us. I do n't know what else to do and I 'm at my wits end with Toyota.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevents and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Bridgecrest and XXXX XXXX are obligated by the FCRA to abide by laws set forth to them. I as a consumer have advised of collections that are FRAUD. Said companies had 4 days according to LAW stated in my letter attached to remove such items. An FTC fraud report was filed on my behalf as a consumer. The credit reporting agencies also forwarded this information to the corporations listed. I as a consumer am now requesting Bridgecrest and XXXX XXXX to provide the documentation to determine any of the listed items were indeed authorized by, I, the consumer with written instruction per 15 usc 1681. I am also protected by the Privacy act of 1974.I am reporting that this is not only fraudulant but that i also DO NOT give written, unwritten, verbal or non-verbal permission for these accounts to report on my credit file. XXXX does not apply here so do not even come with that rebuttle. Bridgecrest and XXXX XXXX have 15 days to provide me with the name of the person they spoke with, document used, signed application with consumer wet-ink signature, securities accounting documents, CUSIP number, and the original contract, and qualified written request. If said corporations do not have documentation to show these were in fact authorized and accurate it must be removed immediately. Said companies are not only violating FCRA laws, CFR laws, but also the Privacy act of 1974. Said Companies are Liable under the SEC to follow certain rules. Bridgecrest XXXX File Number of depositor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NEW YORK XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX, NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX I will be filing form 211 Treasury OMB forms to audit consumers account as well as a 3949A.
Product: Credit card or prepaid card

I checked my account credit limit on the XXXX. I found out that Synchrony Bank took my available cash that I paid on my account, kept it, then lowered my credit limit after I had been a customer for 10 yrs with Amazon! I never paid them late, I paid earlier than my due date and I sometimes paid more than the minimum. I paid this particular account 3 times in XXXX ; {$39.00} on the XXXX ( which was more ) ; {$500.00} on the XXXX and {$50.00} on the XXXX. My available credit limit was {$700.00} and rather than applaud my payments or offer me a credit line increase, they took my money, essentially stealing it from me and lowered my credit limit. I could understand their concern if I paid them haphazardly or didn't pay any attention to due dates but that was not the case. And this is how I have paid them consistently for 10 years! I am flabbergasted and incensed! Now comes the part that is definitely egregious ... .the customer service of the staff there is very unprofessional and not conducive with the Amazon branding of a smile. While Amazon is dedicated to helping their customers, this company acts as if they are bill collectors ... .I was placed on hold for 20 minutes, hung up on and finally told by a manager that they could review my Jcpenney account and do the same thing to it. And my account could quite possibly be closed altogether! After 10 YEARS!
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were not authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumers report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries I did not make them. THE FOLLOWING INQUIRY WAS NOT AUTHORIZED AND SHOULD NOT BE REPORTING. THESE ARE IN VIOLATION OF 15 USC 1681B. PLEASE DELETE. 

XXXX XXXX XXXX XXXX XX/XX/year> INQUIRY XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX INQUIRY -XXXX  XXXX appears twice on my report as an inquiry INQUIRY -XXXX XXXX INQUIRY XXXX XXXX XXXX  XX/XX/year> INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX Finance XX/XX/year> INQUIRY XXXX XXXX XX/XX/year> INQUIRY XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX i received a letter from the Eaton Group Attorneys, LLc it was sent to me from their organization about and alleged debt. 
They wrote in their letter that i should notify their office within 30 days of receiving their notice.So i did notify them on XX/XX/XXXX to cease and desist any attempt to collect this alleged debt. 
But in their greed for money and their love for filing lawsuits they ignore the cease and desist letter and the federal fair debt collection practices act, 15 USC 1692. and filled a lawsuit on XX/XX/XXXX for XXXX XXXX XXXX . 
This is the kind of dishonest law firm / debt collector that gives companies a bad name this dishonest organization needs to be investigated for other violations that they have committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX,
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  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 four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX