23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were getting assistance from a charity to help us with our second mortgage. On XX/XX/XXXX, in a XXXX way phone call, between a representative at Shellpoint mortgage company, an XXXX XXXX representative and me, the mortgage representative gave us the total needed to cure the loan. ( @ {$2900.00} ). We told the representative at Shellpoint Mortgage that we would send the amount needed to cure the loan as soon as possible, but needed time to get it to them. Shellpoint Mortgage, however, did not give us time to send the money to them and immediately started the process to put our home into foreclosure. XXXX XXXX sent Shellpoint Mortgage company a check for their part of the amount they were helping us with, but Shellpoint Mortgage company rejected it and returned the check. I was in the process of sending my part to complete the total that was needed to cure the loan, but did not get a chance to do so, due to the actions of the mortgage company. Now, Shellpoint has added over {$5000.00} to what we owe to cure the loan. ( Over {$8000.00} ) This is not right, not fair, and the mortgage company did not work with us like they are required to. 

I tried to do a mortgage modification with Shellpoint Mortgage in XXXX of XXXX, but the mortgage representative, who is assigned to my account, never got back to me about the results of our application. Every time I tried to get in touch with him, he was either not available or not working, I left several messages, but he did not return my phone calls. Then, XXXX XXXX hit XXXX North Carolina, where we live, and everything was chaos for several months. I finally found out what the terms were being offered in the mortgage modification, but Shellpoint wanted a {$13000.00} payment to do the modification, which was more than what was owed to cure the loan. 

We got behind with our mortgages due to several hardships, including out house catching on fire from a faulty air handler ( cost us {$10000.00} ), our business slowing down due to excessive amounts of construction on the road right in front of our business, and hurricane XXXX wiping out XXXX. We just need this mortgage company to be reasonable and let us cure this loan, or offer a reasonable modification. And, the extra fees that were added for the foreclosure that should have never happened need to be removed.
Product: Debt collection

ON XX/XX/2019 I DISPUTED THIS MEDICAL ACCOUNT WITH ALL 3 CREDIT BUREAUS, IT WAS REMOVED FROM XXXX BUT STILL REMAINS ON XXXX  AND XXXX. I NEVER RECEIVED ANY LETTERS REGARDING THIS ACCOUNT TOTALING {$120.00} BEFORE IT WAS PLACED ON MY CREDIT FILE. I CALLED LJ ROSS ASSOCIATES AND SPOKE TO A REPRESENTATIVE. I INFORMED THIS PERSON I HAVE MEDICAL INSURANCE AND DID SO DURING THE DATE LISTED ON CREDIT REPORT FOR THIS ACCOUNT AND MY MEDICAL INSURANCE COVER MY MEDICAL CARE 100 %. THE REPRESENTATIVE STATED THEY WOULD CONTACT THE ORIGINAL CREDITOR TO TRY TO OBTAIN INFORMATION ABOUT THIS ACCOUNT. LJ ROSS VERIFIED THIS ACCOUNT RECENTLY WITH BOTH XXXX AND XXXX.
Product: Credit reporting or other personal consumer reports

My credit report with equifax is showing old data from 5 months ago Every time a credit card company do a soft pull it shows the old credit report from 5 months ago But inside the equifax credit website it shows it is up to date I called equifax and they said they fixed it but it's not reporting correctly to credit card company 's whow tried to do a soft pull
Product: Mortgage

Despite me paying my own taxes and insurance and there being no requirement for a escrow account on a VA Loan my mortgage was sold. Under the new lender, Citizens Bank, they have a policy of an escrow account for the life of the loan. I have paid my taxes for the year as well as my insurance so my escrow is only getting refunded to me every year. I have tried to resolve this with the company and they have informed me that there is no escrow waiver available as a company policy. They will not provide me with a copy of the policy or any documents other than to tell me it is policy to maintain an escrow account. I have provided them with a {$0.00} due bill from the county treasurer but they still say I have to pay roughly $ XXXX/month to pay for what has already been paid for.
Product: Student loan

I hold loans with MOHELA in the amount of approximately XXXX from medical school. In fall of XXXX, I consolidated them together and applied for the PAYE plan. Due to the student loan pause, I held off on making payments, saving so that I would be ready when it restarted. On XX/XX/XXXX I applied to switch from PAYE to the SAVE plan for lower monthly payment and interest subsidy, as my monthly interest is way above what I can afford to pay at this point in Residency. It has been left processing since that day, with no further information from MOHELA. I attempted to call in late XXXX and early XXXX, and was given basically no information after being on hold for almost an hour. The people attempted to reach out to supervisors, and I was passed along multiple times, but no one had an answer. I was eventually told that it is just " stuck '', it is broken, it can not be processed and they aren't sure why. I was told I was " stuck '' on PAYE during the first call, but then in early XXXX I was sent a message stating I was on standard repayment and my first payment would be around XXXX a month. I called back, was on hold again for over an hour, and given the same run-around. This time I was told it is still stuck, but I was transitioned off of PAYE to standard and they weren't sure why, but they couldn't change it back. After an extended time, I was told that I would be placed on forebearance starting in XXXX. When I asked about the interest subsidy, as I should be on SAVE and not having increasing interest with payments, I was told they can not do anything about it till it is fixed. I was told after it is fixed, I may possibly be able to file a complaint to have it adjusted but this is not guaranteed. I am extremely frustrated as I sent in the information over 2 months ago, and they have given me no answer or timeline despite multiple hours and calls. I am also having increasing interest when I should not.
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX  XXXX Bankruptcies has been removed from my XXXX Consumer report dated XX/XX/2023 case number : XXXX. There is only a XXXX  XXXX that is reporting which is also back in dispute with XXXX as of XX/XX/2023. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately.

I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the initial attempt made to correct the late open accounts associated with my account. 

Unfortunately, the initial attempt to correct these late open accounts has been ineffective. Despite providing all necessary documentation and evidence to support my claim, the resolution process has been slow and unproductive. This lack of urgency and efficiency in addressing the issue has only added to the financial strain caused by the late open accounts. 

As a valued customer, I expected a more proactive and expedient response from your company in addressing this matter. The failure to promptly rectify the late open accounts has not only impacted my creditworthiness but has also diminished my trust in your company 's ability to fulfill its obligations to its customers. 

I urge you to take immediate action to rectify this situation. I request that you thoroughly review my account and expedite the process of correcting the late open accounts without further delay. Additionally, I expect transparent communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the financial difficulties and stress caused by this oversight. I trust that you will handle this matter with the seriousness it deserves and provide me with a satisfactory resolution as soon as possible. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX  XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$300.00}.
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 prevent 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 theseviolations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my transition credible file I was able to identify multiple inquires that I did not recognize which is a result of fraud. I have contacted transition multiple times in regards to this and they have done nothing for a solution. I also had provided a identity theft report. This has caused damage to my credit and my reputation.
Product: Vehicle loan or lease

We traded in my wife 's XXXX XXXX on XX/XX/XXXX On XX/XX/XXXX I called bank of the west for a payoff and was told {$21000.00} ( Note they had not included a payment made on XX/XX/XXXX. 

While at the dealer I was asked to provide a Written Dealer Payoff to the dealer. 
I called on Tues on XXXX I called to request the pay off be faxed to the dealer, I was informed it could only be faxed and would take up to 3 days to fax. I was quoted {$21000.00} as of XX/XX/XXXX the dealer had not received it and I called again and was told they could now email it and they emailed it but was a consumer pay off, I called back to request a dealer payoff and was told I would have to call someone else as the lease end dept couldn't put that in writing but quoted me XXXX as the dealer payoff. As of XX/XX/XXXX XXXX there was still no dealer payoff faxed and I called again and was told they would fax it immediately. I feel that Bank of the West is deliberately trying to stall this to increase the interested that I have to pay. They bounce me around to different depts and have tried to tell me the consumer payoff of XXXX which includes taxes was a dealer payoff, I clarified that this would be incorrect as the dealer payoff would not included taxes. 
They will not allow the dealer to call and get this payoff so it's not costing me more to get this lease fully paid off with the trade as they continue to drag this out. I have worked with many other banks and they can get this information within mins, so not sure why Bank of the west seems not to know how to process this paperwork and continues to send incorrect paperwork They choose to not email or reply in writing so that I have no documentation to use as evidence
Product: Debt collection

I've called the company since XXXX of XXXX asking them to verify the debt. They answered me in XXXX of XXXX and did not verify the debt. Furthermore there are discrepancies with the balance amount and it has affected my access to credit drastically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. XXXX Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX Bankruptcy XXXX XXXX XXXXBankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX Balance : {$35000.00} & XXXX XXXX XXXX Balance : {$37000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because the companies listed have failed to respond to my requests to correctly validate the debts they are alleging belong to me. I sent a letter with documentation proving the debt is mine on XXXX XX/XX/2021 and have not received a response. The Fair Credit Reporting Act Section 611 ( a ) stats that a failure to investigate and deliver the items I requested within 30 days requires the immediate removal of the invalidated accounts off of my report. I requested these companies to validate the information on the report and they have failed to respond to my requests. Again I would like you to know that it has almost been 45 days. The items that I have listed within the correspondence I sent them must be deleted immediately please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship these companies have caused me. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you add the following Extended fraud alert on my credit report : ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent A credit report dispute form to your company due to fraudulent inquiry 's reporting on my credit report. I have sent this via Certified mail to you as well as attached it here to view. I am requesting ALL be removed as i have reached out to the credit reporting companies and your credit reporting bureau with no resolution. This is my last attempt before having to contact an attorney to resolve this issue.
Product: Checking or savings account

I would like to begin by expressing that I have been a loyal customer of Bank of America for over ten years, during which time I have been mostly satisfied with the services provided. It is for this reason that I am particularly disappointed to find myself in a position where I must write this complaint. 

On the evening of XX/XX/year>, I deposited a check for {$26000.00}. While I understand and appreciate the importance of banking policies designed to ensure the security and proper processing of large transactions, I am struggling to understand the necessity of holding the entirety of my check for such an extended period. 

As a long-standing customer, this delay and the lack of clarity surrounding it have been frustrating. I would like to request that they review the circumstances of this hold and provide me with a detailed explanation for why such a significant delay is necessary, as well as any steps that can be taken to expedite the release of the funds.
Product: Mortgage

I am filing a complaint against Aimloan.com. Aimloan recently sent me an escrow analysis dated XX/XX/XXXX. The escrow analysis showed there is a shortage amount of {$3100.00}. Also I did not understand why I was charged {$4900.00} for hazard insurance by Aimloan. A couple months ago the Aimloan representative from their insurance department told me my insurance from XXXX is good to go and I didnt need to provide additional information. Also XXXX erroneously sent me a check for {$2200.00} which was supposed to stay in my escrow account. This suggests poor communication with XXXX, poor accuracy and lack of due diligence by Aimloan.com. 

I spoke to Aimloans XXXX  XXXX XXXX on both XX/XX/XXXX and XX/XX/XXXX. I also received a voicemail from XXXX at Aimloans insurance department. She stated that the check for {$2200.00} that came from XXXX should go back to my escrow account soon but she never mentioned why I was charged {$4900.00} for insurance on my escrow analysis statement. XXXX also failed to provide her call back number. XXXX has attempted to contact the insurance department at Aimloan and based on his voicemail from today XX/XX/XXXX, he has not yet received a response. I have attempted to contact the insurance department at Aimloan and the insurance representative failed to understand the situation. XXXX stated to only contact him from now on. 

This has been inconvenient and anxiety provoking ( my mortgage payment has increased by about {$600.00} due to this error ) for me dealing with this issue. I have been a customer of Aimloan and have diligently been paying my mortgage on time for about 7 years. My on time payment history is 100 %. It is disheartening to see such a major error and poor communication from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA, XXXX All correspondence between the debt collector, Profit Services Group, and I is attached. 

I have sent the debt collectors, Profit Services Group, a request for validation and their response was : " Reviewed account and complaint. the account has been notated and disputed entered in credit report. '' That is not a validation of debt. 

Please advise Pursuant to the FDCPA, communication is defined as any direct or indirect communication about an alleged debt. The debt collectors, Profit Services Group, continuing to furnish this alleged debt to a consumer report makes them in violation of my rights as they are indirectly communicating with me about this alleged debt. Also, this alleged debt has not been validated by any means which also constitutes as fraud. 

This is the last notice. If you fail to comply with the following, as a consumer I follow up with whatever action necessary. 

As a consumer I demand that you provide and do the following actions : Provide documentary evidence that validates that this alleged debt is mine ; Provide documentary evidence that legally grants your company permission to collect on this alleged debt ; Delete this account from my credit file as the reporting of any alleged debt that has not been validated is fraud.
Product: Debt collection

Hello this is XXXX XXXX and I cant pay the whole {$820.00} that I now owe to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Greetings. I am a Wyndham Hotel Rewards/Barclay card holder. Last holiday season ( XXXX XXXX season ), I continuously received emails from my card company saying I will receive XXXX points for every dollar spent up to XXXX points and if I spent at least {$3000.00} between XX/XX/XXXX and XX/XX/XXXX, I will receive XXXX extra points for XXXX points total if I spent {$3000.00} by XX/XX/XXXX of XXXX. 

I have met my side of the bargain, I spent the money, shopped and now have those {$3000.00} being paid back with interest. However, the credit card company will not meet their part of the commitment. 

They have only credited me XXXX points and not the XXXX total points I was promised. Every time I call Wyndham rewards card, they tell me to contact Barclay. When I contact Barclay, they tell me to talk to Wyndham. Finally now they are sending me a letter saying I should contact them by mail.

I am so tired going back and forth between these two giants. I don't know why this has to become complicated given that their instructions were clear. Nothing to sign up for etc. just spend this amount in this period and get your points. I don't see why this should drag out till now. 

Soon the XXXX holidays will be upon us again and they will tell me " too late now. '' I am here paying back the {$3000.00} I spent plus interest and taking all this time which I do not have back and forth on the phone with them and I am not also now going to start writing letters back and forth now as well. They have been giving me the run around back and forth now for months! 

I need those points for my summer travels, which is why I accepted the offer in the first place. Now I am booking summer travels with new money with no points to help and that is not fair and unacceptable!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received letters from Lexis Nexis stating that they were unable to locate a bankruptcy record on my consumer file however XXXX is reporting a bankruptcy on my credit file and have advised they obtained the record from Lexis Nexis. I am asking Lexis Nexis to file a dispute directly to XXXX to have the bankruptcy removed immediately as this information reporting on my XXXX credit report is inaccurate. The Case numbers I received from Lexis Nexis regarding this matter are XXXX XXXX XXXX XXXX XXXX. For you review I have attached the letters I received from Lexis Nexis as well as my XXXX credit report showing the bankruptcy that is being reported. This inaccurate information being reported on my credit file has caused me serious financial hardship and I am asking Lexis Nexis to resolve this matter with XXXX.