23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I entered into forbearance with Shellpoint mortgage. However, I paid {$10000.00} on that date. On XX/XX/XXXX shellpoint advised although I was in a continued forbearance I should make payments if possible. From XX/XX/XXXX to XX/XX/XXXX I made approximately {$32000.00} in payments. During which I constantly asked for my total balance due and owing to become current. I was always given a repayment fee that includes foreclosure fees. This fee made in impossible for me to become current. On XX/XX/XXXX I paid {$13000.00} and was enrolled in 6 month repayment period for rears. My request for what total fees went unanswered. In XX/XX/XXXX I was offered and accepted a lump sum repayment offer of {$5700.00} to be paid on of before XX/XX/XXXX. I again, as in my other 11 requests, for an itemized break down of what the {$5700.00} included. I was told audibly the fees were as follows {$3800.00} XXXX & XXXX {$370.00} late fees {$40.00} insufficient funds {$2300.00} foreclosure fees Be advised my account is not in foreclosure. On XX/XX/XXXX I received legal documents filled in my county court titled DISMISSAL from Shellpoints attorneys. The documents reports no injury or cost to any of the parties evolved. 

I reported this information to Shellpoint mortgage and again requesting an written itemized list of what the fees are. Shellpoint response was the the {$2300.00} foreclosure fee can be paid at the end of the loan. Shellpoint mortgage representative reports they would forward the aforementioned itemized document of rears. They have not as of this complaint letter. On XX/XX/XXXX I again contacted Shellpoint mortgages XXXX XXXX, and asked for a written itemized documentation of rears, she refused. However, she was able to provide the answers verbally on a taped and recorded line. At this point the original fee of {$2300.00} marked foreclosure fees, she explained they were divided into two fees. Those fee 's are as follows : {$930.00} legal fees {$1300.00} other fees When I asked what " other fee 's '' are defined as she could nit answer. I then reminded here of their attorneys legal documents reporting no cost incurred. 

I am convinced Shellpoint mortgage has willfully charged ambiguous fees to my account. As in foreclosure fee 's, legal fee 's, and other fee 's in an attempt to keep me in the rears. Having me in a vicous cycle of paying late fee 's, foreclosure fee 's and other fee 's that are not applicable. To date I have not been given written itemized accounting of my rears. 

I ask for a complete audit and itemized list of all fee 's explained.
Product: Checking or savings account

XX/XX/XXXX XXXX M & T Bank - email correspondence XX/XX/XXXX - XXXX XXXX XXXX XXXX - email correspondence XX/XX/XXXX - XXXX XXXX XXXX - called XX/XX/XXXX - XXXX XXXX - email correspondence XX/XX/XXXX - XXXX XXXX - phone and email correspondence XX/XX/XXXX. - XXXX XXXX - email correspondence Checking accounts with debit cards have been opened in my name at all of these institutions. I have been in contact with them all by email and phone to report fraud and all of the accounts have been closed. I was referred to my police department but they are unable to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested the correction of inaccurate accounts which another credit reporting agency found to be inaccurate and had updated. Due to the Bureau 's lack of response which I classify as frivolous. XXXX, XXXX, and TransUnion have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and update my records. Please update the following accounts, which have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to FIX the accounts listed below : XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I sent an ACH money transfer ( {$18000.00} ) from my account at XXXX to XXXX XXXX XXXX XXXX owned account at BMO Bank XXXX XXXX XXXX XXXX XXXX, IL XXXX. The purpose of this transfer was to transfer funds from my checking out into my brokerage account with XXXX XXXX XXXX. I followed the instructions on XXXX XXXX XXXX website that instructed to send a transfer to BMO Bank routing : XXXX XXXX XXXX acct. num. XXXX. 
XX/XX/XXXX I contacted XXXX XXXX  ( via email and via phone XXXX ). to see if my funds were available. 
XXXX phone number is 'unofficial ' and they do not answer the phone. They are supposed to return voicemail but they never do. They do usually respond to XXXX. 
XXXX XXXX stated they could not located the funds. 
I contacted XXXX : they said the transfer was successfully sent to BMO ( XXXX ). 
I contacted XXXX XXXX again and they asked me to get from XXXX a trace number to locate the funds. 
I contacted XXXX and got the trace number. 
I contacted back XXXX XXXX and they would not be able to locate the funds with the trace number. XXXX XXXX recommended to cancel the transfer. 
XX/XX/XXXX I contacted XXXX to cancel the transfer : I was told it was too late because it was already received by BMO. So they suggested to file a dispute with 40 day resolution timeframe. 
I contacted BMO 3 times. They said : 1 ) they can not find an acct. num. XXXX with their bank 2 ) they can not disclose information on their customer ( XXXX XXXX XXXX ) 3 ) they can not find anything with trace number ( XXXX ) which XXXX has provided. 
XXXX XXXX XXXX is now not responding to my emails. I left another voicemail and they are not calling me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting XXXX XXXX listings closed as of XX/XX/2010. Under the FCRA, these should no longer be reporting as they are over 7 years old from date of last activity. Great Western Bank is now the owner of these accounts
Product: Mortgage

We refinanced our home in XXXX, XXXX with XXXX XXXX. In doing so, it was a predatory ARM. We received a letter from the bank officer stating that we would refinance incurring no additional fees after our credit rating had improved within six months. The mortgage was then turned over to XXXX XXXX which in turn sold it to HSBC without our knowledge until we received the monthly mortgage statement with HSBC in XXXX, XXXX. With the building trades businesses failing in the Michigan downturned economy, jobs losses, our family was forced to file bankruptcy in XXXX, XXXX and we did not affirm our home. In doing so, the present mortgage servicer HSBC Home Mortgage Services , Inc. will not renegotiate with us concerning a lessening of the terms of our original note. We have an ARM of 8.45 %. We have paid up to XXXX % of our home income to be able to keep living in the home which we built and raised our family in. We had to apply to StepForward of Michigan to get the mortgage current in the amount of {$5400.00}, the interest was deferred on the back of our loan which is now a total {$8900.00}. The help that we received at that time was much less than the deferred interest amount! We have worked with a FHA Housing Counselor since XX/XX/XXXX to get this onerous mortgage reduced to no avail other than loan modifications that reduced our monthly payments in the ensuing years, but they only backended the interest so our principal reduction in the loan is added on, with interest on top of interest. We need a path to be able to keep and afford our home before we are forced into retirement which will be upon us shortly. I hear about all of the HARP Programs that will expire XX/XX/XXXX, we need your help. HSBC is not a TARP participant which was detrimental in our case. We are asking for a conventional fixed mortgage instrument with a manageable interest rate in step with the rest of the public. Due to the nature of our mortgage, we have not been able to pay down our principal like it should have been, and because of our market conditions in our area, we are still under water with this note. We saw the settlement the State of Michigan received from HSBC and would like to have relief from this predatory note. Please consider our plea.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because I recognized inaccurate info on my credit report. {$18000.00} is reporting to my credit report that is inaccurate. Reporting date XX/XX/2022. Also I see addresses and employment that are inaccurate as well. A birth year is also inaccurate. And one inaccurate name. 

Accounts that are inaccurate are XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX Employment that is inaccurate is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like this matter to be investigated, resolved and removed.
Product: Credit reporting or other personal consumer reports

Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS AS A CONSUMER.
Product: Debt collection

I sent in information that the debt dont belong to me and for them to validation of debt which they didnt not send any information to show proof that item belongs to me so Im not understanding how can a debt be verified when I dont have a burden of proof that anything belongs to me Im a victim of identity fraud these items are fraudulent it needs to be removed immediately
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I had a credit card with XXXX which was charged off over a year ago and the debt was collected by Rausch Sturm LLP. I made the agreement to pay {$100.00} every month until it was paid off. I always make my payments online and never had a problem until now. When I log in it says due to the status of my account online access is unavailable Im so confused because Ive always made my payments on time and Im almost done paying it off. I keep calling and emailing Raush Sturm but no one is answering. Please help me get a hold of someone who works there so I can make my payment on time.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payments on time. The payments were due on the XXXX of each month, and both payments were submitted on the XXXX of the respective months. I have included bank statements and payment confirmations to verify that the payments were made before the due dates. 
There appears to have been an internal error by XXXX XXXX, where the payments were not correctly processed or credited to my account on time, leading to these inaccurate late payment reports. 
Additionally, no notification or communication was sent to inform me of a late payment, which further supports that the reported delinquency is in error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I've been in contact with Cavalry Portfolio since XX/XX/XXXX they are located at XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX they have been reporting on my credit report for an amount of {$430.00} I don't know this company and never done any business with this company I've asked them to provide the following ; -What is the money you say i owe you is for - Explain and show me how you calculated what you say i owe -Provide me with copies of any paperwork that i agreed to pay Cavalry SPV I, LLC said debt -Prove that the statute of limitations has not expired on this account -Show me that you are license to collect debt in my state -Provide me with your license numbers and registered agent or agent service -Provide proof of my signature that i owe you this debt the only response was that they conducted an investigation and found that I owe said debt and sent false statements with my name but with no signature
Product: Checking or savings account

My XXXXXXXX XXXX business debit card was stolen and a charge was made fraudulently without our consent. I filed a dispute with XXXXXXXX XXXX on XX/XX/2024. I was told a provisional credit would be credited to our account in 1-3 business days while a investigation be conducted. Today I was not able to access account as if it is closed. I also never received a dispute confirmation number or email. I request that this situation be governed for constructive fraud being caused by this major bank.
Product: Mortgage

This is a follow up to the Roundpoint 's feedback to complaint XXXX. The response is deceptive and unfair : XXXX. In the response, XXXX stated " It is your assertion that phone calls were made to an incorrect number '' but also stated that they called XXXX on multiple dates in XXXX. I don't " assert '' that is not my number because it is in fact not my number. Roundpoint failed to comply to Regulation Z ( Truth in Lending Act - TILA ) which requires mortgage servicers to provide timely and accurate information to borrowers. They failed to do it in XXXX because they had the wrong number on file. They inherited this number when they took over my loan from another service provider, without verifying the contact info with me. Under RESPA, mortgage servicers are required to promptly correct errors and provide accurate information about my mortgage account. Roundpoint 's behavior is a violation to RESPA. 

XXXX. On XX/XX/year>, I asked their call center agent to update the phone number to XXXX after learning from them that they had a wrong number ( Hence, Roundpoint 's statement about me updating the number was deceptive ). Since then they have had the correct number, however, I did not receive any phone call from them about the cancelation of the auto payment nor the past due status of my account as a result. What did they attempt to connect me via phone in XXXX ( to the wrong number ) but not XXXX when they had the correct number? Roundpoint did not meet the general standards of fairness and accuracy per CFPB requirements in their communication practices.
Product: Credit card

A credit inquiry showed up on XX/XX/23 from Bank of America, a credit card was then opened on XX/XX/23 with a limit of {$9000.00}. This occurred while our credit was frozen and we were NOT contacted by Bank of America. This exact situation occurred with Bank of America nearly an exact year ago today. We are working with XXXX to get this account closed and removed from our credit. Bank of America should not be able to continually get away with this.
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 USC 1681section 602a states " There is a need to insure that a consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I " am the consumer.I have the right to make my private information isn't being shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic information '' XXXX acct # XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX acct # XXXX the financial institution and the consumer reporting agencies Equifax, XXXX, and XXXX  do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX XXXX acct # XXXX wether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option '' XXXX acct XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states. " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items od information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 USC Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. " Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt outa at any time. " I ' am opting out of your reporting services. ''
Product: Money transfer, virtual currency, or money service

Hello, First, thank you for your time in advance. I know yall are super busy. I will include specifics and attachments down below. 

-- -- using a wallet with XXXX platform I transferred over BNB ( Binance 's XXXX coin ) to another wallet with Binance.us -- -- the funds show as successfully sent from XXXX but the funds never arrived in my binance.us wallet. I double checked and copied and pasted the destination wallet address that I was sending it to Please help me, Binance.us has no one to help on the phone or email. They are ignoring my plead for my money. Even reached out on XXXX to no avail. Never had this issue before with any other platform. 

Info below : Funds were sent on : XXXX @ XXXX CST Total amount sent : XXXX XXXX XXXX BNB after XXXX BNB fee from XXXX and XXXX fee XXXX took out ) or {$3300.00} USD TX Hash : XXXX Sent from wallet : XXXX To wallet : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent last XX/XX/2021. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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. Below are the lists of the erroneous accounts that are still reporting on my Credit Report and need to remove pronto : XXXXXXXX XXXX XXXXXXXX-Balance {$0.00} DEPT OF ED/XXXX-Balance $ XXXX Opened : XX/XX/XXXX, XXXX-Original amount {$2700.00} DEPT OF ED/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX, XXXXOriginal amount {$3000.00} DEPT OF ED/XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX, XXXX-Original amount {$2200.00}