23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In a letter dated XX/XX/2022, sent via the CFPB, responding to complaints XXXX and XXXX, Shellpoint made the following statement : " XXXX, XXXX, not in its individual capacity, but solely as trustee on behalf of XXXX  XXXX Trust is currently the owner of the account number ending in XXXX '' " XXXX, XXXX, not in its individual capacity, but solely as trustee on behalf of XXXX  XXXX Trust holds legal title to your loan XXXX XXXX and has hired Shellpoint to service your mortgage loan and to act as agent for them. The servicer is responsible for ongoing administration of your loan, including receipt and processing of payments, sending your billing statements, managing the escrow account and paying escrow items, resolution of payment-related issues, receipt of legal notices, and response to any other inquiries you may have regarding the servicing of your loan. The owner does not service the loan. All correspondence and inquiries concerning your loan should be addressed to Shellpoint. '' They then state : " Shellpoint is unable to execute this deferment offer ... '' and " ... Shellpoint resubmitted your deferment request to your investor, and a 9-month deferment was approved, but you were required to submit two monthly installments '' The problem I have here is when I talk to Shellpoint, they state that they are unable to do things ( like help us exit forbearance based on the CARES act ) because the Investor needs to approve. 

However, they are also stating that XXXX does not have anything to do with the loan besides owning it, and everything must go through them. 

It seems Shellpoint has created a situation where it is impossible for us, as borrowers. I can not work with them because XXXX has final say as the owner, but I can not talk to XXXX. 

I wonder whose call report or 9C this mortgage sits. Is it XXXX? If so they are bound by the banking regulations for originating it. 

If, instead, it was originated as an MBS or other securitized vehicle, the investor should not have any say into whether or not I am granted a forbearance, an extension to a forbearance, etc.
Product: Checking or savings account

I had my chase account for less than a week and they have already randomly closed my account. 
I opened my account on a Friday and was informed by the banker that I could XXXX my money from my other institution to Chase and use XXXXXXXX XXXX XXXX . Well apparently I was misinformed, because Tuesday afternoon I received a message prompting me to call because my account was restricted which I then proceeded to call to only be notified that they have decided to close my account and I have to wait for an investigation and 10 business days to receive my money in the mail and that I couldnt even go to the branch to receive my money from the now closed account. The representative was also ignoring my questions and not answering anything as to why my account was even closed. PLEASE avoid chase bank I was in the middle of buying a car only to be let down with a locked up closed account. 
They XXXX!
Product: Credit card or prepaid card

I made a onetime transfer from my XXXX XXXX prepaid card ( direct deposit ) of {$1000.00} on XX/XX/2021 to a BOA account and also {$960.00} on XX/XX/2021 to XXXX XXXX  account but the bank accounts I made the transfers to held the funds which they left me with no choice. 
I will really appreciate if something is to be done to help, thank you.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXX and XX/XX/XXXX ( and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

There are XXXX addresses in my credit report. Only the XXXX is correct. The others XXXX are not mine. The XXXX address was of my son XXXX. The post office number I never had in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off credit card on time and closed it in XX/XX/2022. XXXX XXXX continues to report that payments not made even though the card has a XXXX balance. Have called several times to have them remove derogs. They have ruined my credit and caused two cards to cancel me.
Product: Credit card or prepaid card

I received a Vanilla Visa Gift card for XXXX. I tried to use the card in XX/XX/2022 for an online purchase and it was declined. I checked the balance online and the original balance of {$300.00} was still on the card. Tried to use it XX/XX/2022 for an instore purchase and it was declined. The balance was only XXXX. When I logged into the site online to review purchases, neither purchase was mine. The purchases were {$60.00} for XXXX XXXX XXXX bill and {$230.00} to XXXX XXXX XXXX. 

I have called the company and was on never ending hold. No one ever came to the phone due to " long wait times. ''
Product: Debt collection

Just received this letter in the mail today and I do not like the " RISK OF ARREST '' part. This is the first contact in about 10 years. I have XXXX intentions of EVER getting or obtaining my Motor Vehicle License back nor any other license. I am permanently XXXX and collect XXXX and do not like being threatened. 

Thank You and Stay Safe
Product: Credit reporting or other personal consumer reports

I was stunned this morning when I saw incorrect accounts on my credit report. I check my report regularly, and this is the first time I've encountered such discrepancies. I refreshed my browser several times, hoping it was just a mistake, but the inaccuracies persisted. Because of this, I urgently need the documents I've sent to be reviewed thoroughly to ensure this never happens again.
Product: Debt collection

I contacted this collection agency back in XX/XX/2018 regarding the validity of this account. According to my FCRA rights, the company has 30 days to verify debt or it must be deleted. I have never received validation.
Product: Checking or savings account

I opened my account with XXXX XXXX on XX/XX/22. I was planning to use this account as an online checking account and for bill pay. I had a direct deposit to my account on XX/XX/22 and was rewarded with a {$50.00} credit for my first direct deposit. 

Later, I was credited a {$5.00} bonus for using my debit card for the first time on XX/XX/22. 

I attempted to pay my credit card bill today at XXXX  XXXX XXXX on XX/XX/22, but my bank does not allow me to pay using the Majority XXXX. Since this was the primary reason I decided to open this account, I decided to close my account with Majority.

After informing Majority of my intent to close my account, Majority debited both the {$50.00} direct deposit credit as well as the {$5.00} bonus from my account. They refused to return the funds, even after I told them I would not have closed the account had I known they would remove my {$55.00}. I emailed them twice letting them know this was unacceptable but they told me there was nothing they can do and I should continue to close the account. 

This experience has left a sour taste in my mouth. I just want my {$55.00} back and to be done using the Majority app since it's clear they don't value treating their customers well.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

For the XXXX account, first of all this doesn't belong to me. When I tried to resolve it with XXXX, and even offered to pay it off so that I would not owe a debt that " allegedly '' belongs to me, they refuse to even let me fix the issue! I shouldn't even have this account on my credit report! 
For the XXXX, they made the mistake for them reporting these lates on my account. I have tried to have them own up to it and fix them but the absolutely refuse to. The lates are seriously affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased this car XXXX XXXX I did the car until XXXX XXXX  The car dealer ship said it was back order on parts due the pandemic. They gave 3 different loaners. I only had the car for a day I too it to XXXX for them to check my oil and new tires. The car transmission locked up at XXXX at that point the car was towed to a XXXX XXXX XXXX I did this on my own. They said the transmission was locked up and that it will cost more than the car was worth meaning this car was a lemon from the very beginning I voluntarily gave the car back to the lender on XXXX XXXX I have never been late nor have I had the car for the length of time they are stating this is all fraudulent and I expressed this to Transunion for over a year now they say they have investigated, but this is something I truly dont believe that they have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter to XXXX XXXX asking them to send me the accounting that was used on my closed account that they are marking as charged of on Transunion, XXXX, and XXXX. They marked the account charged off in XXXX of XXXX. If the company indeed charged off the account, a 1099-C should have been issued to me no later than XX/XX/XXXX of XXXX. XXXX  XXXX did not send the 1099-C and continues to pursue collection activities on an account they have already charged off. I paid the account off even though the company charged it off as a loss on their records making the charge off fraudulent. I am requesting that XXXX XXXX comply with the cease and desist notice attached to this complaint and send me VALIDATION of the alleged negative accounts on my credit reports. If XXXX XXXX doesn't comply with my request I will have no other choice but to report them to the IRS for TAX FRAUD. Please read the cease and desist carefully as to not violate the order.
Product: Student loan

XXXX was apart of the borrowers defense list. They were involved in a lawsuit XXXX Vs XXXX. This Lawsuit was based on schools they were defrauding students and stating that students were going to get a job. I was also told I was going to receive a federal grant to help pay for school. The young lady I spoke with at Navient advised me that I would qualify under the borrower defense list. I applied on the Federal Student website and have not heard anything else pertaining to the forgiveness of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : I sent LCI an email asking if they could explain how they are verifying my bankruptcy and provided them with the courthouse letter, a letter from XXXX stating that XXXX verified the bankruptcy through the USBK court and I also asked for my consumer report. 

XXXX : LCI responded stating how they obtained the information from XXXX and how the information obtained is from public available bankruptcy records. 

XXXX : I sent them the bankruptcy court letter XX/XX/XXXX : Sent them another email stating how I haven't heard back from anyone XX/XX/XXXX : LCI responded via email stating how they obtained the information from public available court sources and how they use XXXX. From my own research, XXXX  doesn't report full SSN 's so again how did LCI verify the bankruptcy ( they DID NOT ) XX/XX/XXXX : I sent an email to XXXX  and XXXX  Responded that they provide electronic access to case information from federal courts however they DO NOT contact consumer reporting and credit reporting agencies. 

XXXX : LCI responded asking me to provide further information about the alleged bankruptcy.

XXXX  : I replied stating that per the FCRA if I am asking for LCI to provide my consumer report and they are refusing to do so this goes against my rights. Per the FCRA if a consumer reporting agency is unable to verify my account within 30 days then they must delete the inaccurate information. Per FCRA Section 623 ( a ) ( 1 ) ( C ) you can not report information that I the consumer has told you is inaccurate. 

XX/XX/XXXX : LCI responded to a letter addressed to the incorrect client named XXXX stating how LCI has no obligations under FCRA section 611 and are only applicable to consumer reporting agencies From my own research LCI has about 5 cases where they paid undisclosed settlements to consumers after being accused of being in violation of the FDCPA & FCRA within the last 2 years and another case is currently pending. 

XX/XX/XXXX : I sent an email to LCI stating the person they addressed the letter to is incorrect. LCI responded same day stating please disregard the previous response with the same response they sent to the incorrect person. 

XX/XX/XXXX, XXXX I asked LCI to send me my Consumer report XX/XX/XXXX : LCI XXXX XXXX Sent me an internal email about a mail merge with someone else contact information who was also trying to see how LCI verify bankruptcies. I responded to them on XX/XX/XXXX asking am I getting my consumer report or do I need to file a complaint to let everyone know that the company is sending the wrong personal documents to the incorrect consumers. They then tried to recall the email but it was too late. 

This company is sending employee 's personal information to the wrong consumer and violating consumer rights. They have yet to provide me with a consumer report it's been beyond 30 days. They have not provided their method of verification. 

Please review all the documents that LCI sent me and the entire XXXX  email thread.
Product: Payday loan, title loan, or personal loan

We emailed and spoke to Tesla finance and they did not resolve our issue. They do not have our loan balance on our monthly statements. You have to call each time you want to know what your account balance is. When you call they have you leave a voice mail and will return your call later. They will also not allow us to pay extra each month on our monthly loan payment. You can only pay the monthly contractual payment.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the XXXX data breach and its subsequent negative impact on my credit score at all three credit bureaus. I believe this incident constitutes a serious violation of consumer protection laws and regulations ( Privacy Act of 1974, Fair Credit Reporting Act, and Gramm-Leach-Bliley Act ) I received notification that my personal information was compromised in the XXXX XXXX breach I have experienced significant difficulties in maintaining a healthy credit score. I have recently discovered that my credit score has been adversely affected across all three major credit bureaus ( XXXX, Experian, and XXXX ). 

As a result of this breach and the subsequent damage to my credit, I have encountered ( financial hardships, such as difficulty obtaining loans, higher interest rates, etc )
Product: Checking or savings account

Boeing Employees Credit Union. I before application if the inquiry to XXXX would be " hard '' ( visible to other creditors ) or Soft ( visible to only consumer ). I was told all credit or XXXX inquires related to opening a checking account would be soft in nature. However, when I pulled my XXXX report I saw a hard inquiry date XX/XX/2021. Therefore their representative misinformed. I'm planning to file a police report to have the inquiry removed.
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 : Account Number XXXX, Account Name XXXX XXXX XXXX : Account Number XXXX, Account Name : XXXX XXXX XXXX : Account Number XXXX, Account Name : XXXX XXXX XXXX XXXX : Account Number XXXX, Account Name : XXXX : Account Number XXXX, Account Name : XXXX XXXX XXXX  : Account Number XXXX, Account Name : US Department of Education : Account Number : XXXX, Account Name : XXXX XXXX XXXX  : Account Number : XXXX, Account Name : XXXX XXXX XXXX  : Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have rights 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

Came back Verified on XXXX but delete on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Mortgage

My boyfriend and I applied for a mortgage pre-approval with XXXX from Finance of America Mortgage LLC on XXXX XXXX, 2016. After speaking with XXXX, he said we were good to go and we put an offer on the house ( XXXX XXXX XXXX ). They accepted our offer and we sent them a check for the deposit of {$1000.00}. On XX/XX/XXXX, I received an email saying we had to place a stop payment on the check, which I did. We had to resign our Agreement on XX/XX/XXXX and send out a different check. Once this was completed, we ordered our home inspection. Post inspection, the purchase price was dropped based on outcome and we went through the negotiations. We then received a settlement date of XXXX XXXX, 2016. Everything was going great and smooth. The appraisal was ordered and we were told we were good to go. On XXXX XXXX, 2016 we received a call from XXXX telling us that the loan was not going to go through due to XXXX 's employment history not being long enough. We had disclosed this information at the beginning of the pre approval process and had inquired if this was going to be an issue. It had been explained to us that this was not going to pose any problems later in the process. All of the information regarding issues with our loan was not brought to our attention until a week before our scheduled settlement date and after we had paid {$1200.00} for various fees involved ( ie. appraisal and inspection ). We feel that had it not been for a lack of proper communication on XXXX 's part that this financial loss could have been avoided all together. I have requested my appraisal fee back from Finance of America Mortgage. We were not properly notified that this mortgage was not going to be approved and feel as though all fees involved are due to be paid in full back to me.