23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I opened up a personal loan with Lendmark Financial in XXXX Ga on XX/XX/2018 with payments of XXXX a month. I got behind on my XXXX and XXXX payment. When I called in XXXX to make my XXXX payment I actually paid XXXX dollars instead of the normal XXXX and I was told I could do a deferral on the XXXX payments I missed ( XXXX and XXXX XXXX and have those payments put at the end of my loan. I agreed and the representative from Lendmark faxed me over the deferral form and I signed it and faxed it back over to Lendmark 3 different times only to be told they didnt receive it. I then scanned and email the form and sent it to the representative I was speaking with the assumption that everything was handled. I proceeded to make my XXXX payment of XXXX but within a couple of days of making my XXXX payment I was served by the sheriffs office with papers from Lendmark stating I was being sued. Now this is very confusing because I have every intention of paying my loan back which is I why I signed a deferral agreement in XXXX for the XXXX payments I missed and I made my payment in XXXX so why am I being sued. Ive already reported this company to the XXXX and I also plan on sending a email to their corporate office and to the local news channels to see if any investigative reporters can assist me with getting to the bottom of this shady business tactic. LENDMARK FINANCIAL=BAD BUSINESS!!!
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the state and filed a complaint they investigated and found no work order for the additional add-ons for {$2900.00} On XX/XX/year> through XX/XX/year> it resulted in no work order for that in XXXX XXXX XXXX XXXX XXXX department and department of transportation and telling me that they were gon na refund the full amount and cancel the cancel that policy done. I talked to my loan company and Ive been talking to them every single month and reporting it as as fraud, they called him and talk to the finance department and they said they were sending over the cancellation and a check to me. They did not I have all the voicemails. I do have all the text messages. I have the paperwork and they doubled what I was supposed to pay for the car. I had no warrant I was supposed to have they didnt even put it on the purchase agreement. It is fried they wont take it off. I cant refinance my loan. I cant do anything. This is unacceptable. I tried calling actually can know the XXXX dealership they couldnt do anything. Im not even allowed to go back onto XXXX XXXX property. I dont know why they dont want to deal with it. I dont care its fraud and I can prove it I need help. Theres documents that they forge my signature on. They took my {$2000.00} deductible and added it to my loan they they also have the wrong XXXX on my title. They charged me for things they shouldnt have even a XXXX powertrain warranty that I dont have. There is no work order for any of it or no copies of it. Theres also different prices on things that shouldnt be. I didnt sign any of this. Theres no work order for it. There are things that are not even my signature on this and stuff that I cant even cancel only XXXX XXXX time so I want my money back and I want it how are things different that they just didnt have on the car when I looked at the car they didnt even have it on there and then all of a sudden it now Im paying different prices. My loan company doesnt even have all of this. Its confusing the state already investigated this and they told me to get lawyers. I dont know how to put voicemails into it, but I have all the emails. I have all the voicemails I have everything. Its not even on the XXXX buyers guide. They also knew that I still had a XXXX mile warranty. They didnt even have it in my name like its not even on here that they added on dealer stuff like where the biggest issue wears a work problem is something Im paying for that. Ive already paid and I was told it would be canceled. I have it in voicemails. I have it in from the state that I would receive a check everything that it would be done even my loan company has an on file that I would get it canceled and receive a check. In my car is white, not silver.
Product: Credit reporting or other personal consumer reports

Why are you indicating that XXXX XXXX XXXX XXXX XXXX has a past due balance of {$19000.00}? How is this even possible? I have attached COURT documented proof that this account has a settled balance of {$15000.00} & should have a current balance of {$12000.00} due to a payment made on XX/XX/XXXX, XXXX I demand that you update this account or delete the account immediately according to 15 USC 1681e ( b ). 
Why are you reporting a derogatory mark in XX/XX/2023 as " XXXX XXXX ''. This is incorrect because a payment was made on XX/XX/2023. I demand that you updated this account and mark this account as current for XXXX XXXX XXXX XXXX XXXX? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). 


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. 


I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if you are reporting the wrong balance, and an incorrect derogatory mark? You must provide me with an answer of why you are reporting this. 


I request that you MAIL your investigation results to the address listed above. I have attached a social security card, drivers license, and passport that proves my identity and my only accurate address. 


DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.
Product: Mortgage

My loan was modified after falling behind by Gregory Funding. I was bombarded with intimidating Court Documents making me feel if I did not agree to the terms offered they would proceed with Foreclosure. 

I was forced to retire after 37 years with XXXX XXXX and my salary was paid but reduced by more than 50 %. My mom was on the origial loan with me. We modified the loan the same way, however myself and my husband make the payments. I submitted paperwork with his name but they modified as per the origional loan. I have no idea why this was done. 

The deal I felt I had to take was not good but I was desperate to keep my home. I was unaware, at the time, of forebearance programs and the moratoriums on foreclosures nor did the bank mention this. I tried to contact the banks lawyer but they would not speak with me about correcting the paperwork. The loan should have been in my and my husbands name.. I thought I was applying for HAMP which I understood offers a good interest rate, especially during Covid. Mine rate is 5 %. I had to come up with XXXX in cash. I feel I was ripped off by this bank which should have given me a better interest rate and should have modified as per my application. I can not take advantage of a full homestead as the loan has my mothers name on it. She does not live her. It was as if they did not even look at the application. 

I havent received the permanant modfication papers yet. The only thing I have received is from the court- it has been released from lis pendens. I would like to reapply or refinance for a better rate but Covid had caused my credit to take some dings. My husbands credit is perfect. He qualiifies for FHA. Can the Consumer Protection Beureau help? Are there better programs out there? I would like to refinance to an affordable payment. My loan is just over XXXX but my payment, interest and taxes come to XXXXXXXX XXXX per month. This does not include insurance. I will start receiving a pension next month. My husband is still working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring services with several different companies. After the credit bureau data breach, I received notice that my identification information has been identified as listed on the black web. I am ill, I am having a battle with XXXX, and did not and could not have authorized this account. Someone acting as myself has taken this account in my name for their own benefit.
Product: Checking or savings account

On XX/XX/2022 my husband XXXX XXXX endorsed his payroll check, ( which was a chase business check issued by a verified company ) over to me. I used mobile deposit to deposit in into my account. Days later my account was restricted, so my husband and I both went into chase bank to verify his identity with XXXX forms of i.d . chase bank is refusing to release my husband 's check even after providing proof of his identity, verification that he endorsed it to me, and that it was a legitimate check issued by his employer. They closed my account. I still do not have access to my funds and they refuse to release my money. I want to file a complaint of negligence in Chase bank.
Product: Consumer Loan

I have a loan from Prosper. This was contractual and their were no deceit except how the interest would accrue. They are charging 24 % percent each day on the balance of loan, which I feel is very wrong. All other banks and financial institution are charging monthly rates. 

I did not see this writing in the bold or fine print of the loan. I have no problem pay the loan back, but I feel the daily interest is a deception and an unethical practice that hurts the consumer worse than the financial problems they were in prior to the loan agreement.
Product: Credit reporting or other personal consumer reports

The following accounts are not mine XXXX. XXXX XXXX. XXXX XXXX. XXXX
Product: Vehicle loan or lease

I am having a very hard time trying to keep up with payments as well as other life needs. Ive tried to lower payments but no luck.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my consumer reports.I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my consumer reports that were not open by me. This has been hurting me as I am in the process of buying a new vehicle for my family. Please remove the fraudulent accounts from my consumer reports as soon as possible. 
XX/XX/2019 date of chargeoff Account name XXXX XXXX XXXXXXXX amounts one is {$1300.00} one is {$250.00}.
Product: Credit card

Ive been using synchrony bank for a mattress firm account for almost 2 years. They do not take the payments owed to them within a reasonable amount of time. They wait 7-10 business days to pull debts owed to them from either an auto pay or paying through their automated payment system. This has cause my bank to decline payments causing me to be late. My original payment amount to them is XXXX a month. I pay XXXX to pay the debt faster. Due to their predatory payment processing policies its caused me to be late 3-4 times. The company did a random account review and has now decided to close my account. Ive called and spoke with their sr account manager XXXX. No one at this company can give me any answers or tell me anything other than Im still required to pay the debts owed the banks finance team can close any account at their discretion the finance team does not have a number for you to speak with anyone that made that decision all calls with the company are recorded.
Product: Checking or savings account

We have JPMorgan Chase Business Banking. We got a XXXX XXXX for {$4500.00} out of our account and we are not even Enrolled into XXXX, so we could not have authorized the transaction. We have disputed with with the bank and they have denied our repeated requests that this is fraud. We need your help, we have never even used XXXX for any transactions ever. Thank you, XXXX
Product: Mortgage

We applied for refinancing with Quicken Loans back on XX/XX/2020. We uploaded every document in a timely manner and yet it has been over 3 months and they are still not able to close our refinancing. QL keep asking us to update same documents such as paystubs over and over again because it becomes unusable after 30 days. All of a sudden our agreed amount for our mortgage jumped up XXXX more. Thats when we were about to walk-away they assigned us " Executive Solution Consultant '' then he fixed it back to the agreed number but yet the numbers are keep going back up and they are not willing to explain to us where they are coming from. On top of it our Solution Consultant went on a vacation and we have not been able to get any of our questions answered. We have been pushed around 3+ people to figure out how and why our numbers have been changing. On top of it, they keep asking us to provide an Asset Account Liquidation, which refers to my retirement 401k account where there were no liquidation was done. They were simply having a hard time understanding the " Change in Value '' column the statement represents stock market fluctuation. They keep coming with back with same question so I had to ask my 401k provider to write a letter explaining what " change in value '' means to them. These people are supposed to know these things. They kept removing important documentation after we complained, and explaining it on the phone incorrectly, giving us nothing to reference. Lastly, we reached out to the CEO through email asking for help. After that we got a mystery phone call set-up. When we asked who it will be with, got no answer. So we waited 2 weeks for the call and the day of the call and the time that was set-up by the company. No body called! It's XX/XX/2020 and our refinancing is still not closed.Now they added " the loan is currently set up to give you approximately {$1900.00} in cash back at closing '' This is something we never asked or requested. They keep trying to add things to raise our total amount of our loan so they can get more interest rate from it. This whole process caused a lot of anxiety and stress in our family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX XXXX that a credit card was opened as an " authorized user '' with XXXX XXXX. In XXXX, My ex-boyfriend, XXXX XXXX XXXX, opened the account without my knowledge. I confronted XXXX and he stated that he added me to the account as an authorized user only and doesn't know how the bank obtained my social security to put it on my credit. XXXX has charged one thing on the account and paid off the balance. Unfortunately, the only number with this bank is an electronic number without an option to close the account or speak to a human being. I have reported to Transunion that I was added to the account without my knowledge or permission. I also want to remove this bank from my credit report.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

Request for Accounting and Statement of Account under UCC 9-210 & NOTICE OF VALIDATION I hereby submit this letter as a formal request pursuant to the Uniform Commercial Code, Section 9-210, regarding my account with you.

In accordance with UCC 9-210 ( a ) ( 2 ) and ( 4 ), this letter serves as : A Request for an Accounting of the unpaid obligations secured by the collateral involved in the aforementioned transaction.

I am seeking an authenticated record that provides a detailed accounting of all unpaid obligations to date.

A Request Regarding a Statement of Account indicating the aggregate amount of unpaid obligations secured by the collateral that I believe to be accurate. I am requesting that you approve or correct this statement and provide a detailed explanation of any discrepancies. For clarity and the purposes of identification, the transaction or relationship in question involves Account number Pursuant to UCC 9-210 ( b ), I understand that you are required to comply with this request within 14 days of receipt by authenticating and sending the requested accounting and statement of account. Please ensure that your response is detailed, including all relevant information pertaining to the unpaid obligations, the list of collateral, and any corrections to the statement of account I have provided. 
Should there be no interest claimed on the obligations or the collateral at this time, as outlined in subsections ( d ) and ( e ) of UCC 9-210, I request an authenticated record disclaiming any interest, along with the name and mailing address of any assignee or successor to your interest.

I am aware that, as per UCC 9-210 ( f ), I am entitled to one response to this request without charge during any six-month period. Please inform me in advance if there are any charges for additional requests. 
I look forward to your timely compliance with this request. Please send the requested information and any corresponding documentation to the mailing address listed above
Product: Credit reporting or other personal consumer reports

I went to view my credit reports via XXXX and could not because Trans Union is blocking the account. I received no information from Trans Union for the reason.
Product: Credit card

On XX/XX/XXXX I made a {$30.00} purchase on my card. On the XXXX I paid off this purchase. This credit card has charged me interest for this transaction of {$2.00}. This is in contrast to their terms and conditions. I believe this fee was added to my account for the reason of trying to obtain late fees from me. This practice is also highly illegal.
Product: Vehicle loan or lease

So my account was paid because it was total in a car accident WESTLAKE financial is falsely report my vehicle as being repoed
Product: Mortgage

We submitted for short sale XX/XX/XXXX. On XXXX XXXX, XXXX the bank made a counter offer for {$150000.00}, which our buyer met on XXXX XXXX, XXXX. We have now been waiting for 3 weeks for any response from the bank regarding the written approval so we may move forward with this loan.
Product: Credit reporting or other personal consumer reports

I am filing a dispute against Equifax for failing to properly investigate my disputes regarding inaccurate information on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the accounts were accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File # XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are some of the items that I have requested an investigation on that are inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX I have also send them my information, ( DL, Divorce Document that states the name change and a bill with my name and address on it ) to update my name and address, which as never been done.
Product: Credit card

The credit issuer ( Chase ) continues to charge me APR ( 29.99 ) Fixed with no justification for doing so. Average monthly interest charge under these current condition 's of a least {$200.00}. I have been current with my payments2nd issue since XXXX/XXXX/2015 the issuer has changed the way they allocate payments. From XXXX/XXXX/2015 minimum payment will be applied to the higher APR balance therefore yielding less of a deduction in your remaining balance
Product: Credit reporting or other personal consumer reports

The account was satisfied. I did not received a XXXX. I paid this account so it is no longer in charge off status.
Product: Mortgage

Shellpoint Partners ( NewRez LLC ) engages in fraud to prevent or delay home mortgage refinancing for mortgages it services. Shellpoint directs, incentivizes, or conspires with its employees to commit fraud using the following tactics : 1. Shellpoint/NewRez refused to communicate with the applicant promptly and honestly about the status of the loan application. 
2. Shellpoint/NewRez made multiple requests for documents from the applicant then refused to review the documents in a timely manner. After a period of months, Shellpoint/NewRez requested similar documents. Examples include bank statements, paystubs, and credit reports. 
3. Shellpoint/NewRez attempted to terminate loan applications by surreptitiously posting document requests on its web portal and then failing to communicate those requests to the applicant via email/phone or through their employees. When the applicant failed to respond, a postal letter was sent to threaten to terminate the application. 
4. Shellpoint/NewRez made piecemeal and last moment document requests hoping to further delay or thwart the borrower. 
5. Shellpoint/NewRez used several tiers of handlers to prolong the loan application process. Some tiers include : mortgage consultant, loan processor, customer care. 

My home mortgage was serviced by Shellpoint Mortgage Servicing, and I applied for a refinance with their partner company NewRez LLC in XX/XX/XXXX. I was assigned to a mortgage consultant ( XXXX XXXX ) who used several of the tactics listed above to prolong the application process until XX/XX/XXXX. In XX/XX/XXXX, I was assigned to a loan processor ( XXXX XXXX ) who prolonged the process with additional document requests ( including previously requested documents ) and long periods without communication until XX/XX/XXXX. Finally, I was assigned to customer care ( XXXX XXXX ) who posed several more questions, but who then failed to acknowledge receipt of my answers. 

In XX/XX/XXXX, I searched XXXX, XXXX, CFPB for mentions of Shellpoint/NewRez and realized that this company was engaged in a scam to prevent refinancing. When confronted by the accusation, the response from Shellpoint/NewRez was to was to assign me another loan processer ( XXXX XXXX ) who immediately began using the tactics above to request updated documents that I had previously sent to the previous loan processor ( XXXX XXXX ). 

In conclusion, Shellpoint/NewRez and its employees are committing fraud against refinance applicants. They are systematically prolonging the application process using delay tactics that mostly involve document requests, failure to communicate, and multiple tiers handlers. The practices is so widespread that it is obviously incentivized or promoted by senior leadership at the company. The goal of the fraud is obvious : Shellpoint has nothing to gain by letting its borrowers refinance to lower interest rates.
Product: Credit reporting or other personal consumer reports

These inquiries do not pertain to me. Kindly remove them from my credit report as soon as possible. 
XXXX  Date of inquiry : XX/XX/year>