23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

At the direction of the CFPB and with the encouragement of XXXX XXXXXXXX XXXX I am filing an update to my complaint against SLS/Shellpoint. 

We just received a new loan modification offer from Shellpoint ( XXXX XXXX ) whose essential characteristics are the same as previous modification offers ( see attached offer from XXXXXX/XX/XXXX ). Here are the terms for the new offer : Downpayment : {$23000.00} Principal Balance : {$180000.00} Term : XXXX months Rate : XXXX XXXX Forbearance : {$45000.00} I calculate that the true cost of this modification offer is around {$450000.00} ( {$23000.00} + XXXX {$790.00} + {$45000.00} ). The main difference is that it extracts additional equity of {$50000.00} from our property to the benefit of the mortgage company. 

During our last meeting with the lawyers at the hearing in XX/XX/XXXX, we were told that Shellpoint ( XXXX XXXX ) would put forward a mutually beneficial offer in consideration of the history of the loan. 

Here are the facts of the loan and its servicing : 1 ) The loan was obtained under duress in XXXX, and the originator used predatory tactics ( including the threat of foreclosure ) ; the originator was aware of the market conditions in XXXX, and yet she told us that this loan would be erased or nearly erased once our previous home sold and that we would easily be able to refinance the entire loan. These were knowably false statements. 
XXXX ) SLS did not offer loan modification or loss mitigation options in spite of repeated requests. 
a ) I sent many letters and called many times begging for help during XXXX. 
b ) No options were offered in XXXX when the loan went into default. 
XXXX ) XXXX violated federal law by not sending monthly statements after XXXX. 
XXXX ) XXXX repeatedly perjured itself to federal state authorities in XXXX - XXXX by claiming that this XXXX was not a XXXX XXXXXXXX XXXX 

Given the history of this loan, I demand that XXXX share its reasoning for not putting forward a good faith offer. If they are serious about negotiating a settlement, we would like to know why XXXX XXXX XXXX pursue the same tactics that XXXX pursued before it filed for XXXX  under the pressure of mounting legal pressure.
Product: Student loan

I received the original notification from Navient that it was time to begin making repayments on my Student Loans. I knew that was to be expected and planned to do so when I completed my degree, but I had no idea how high the payments would be because the interest alone. I contacted Navient to discuss options and explained to them, there was no way I could pay that much at a time every month going forward, not and pay my bills. The payments were outrageous and cost prohibitive!! Navient said my only option was to consolidate. I went through the consolidation process and set up automatic recurring payments with Navient so they could begin taking automatic withdrawals from my bank account. However, in order to get a payment I could afford I had to stretch out my loan repayments until the end of time - I will be XXXX years old before I can get it paid off and I will have paid over {$40000.00} in interest alone - interest! To make matters worse, I wound up having to take some additional classes. I expected the payments to continue as it had been stated they would and could not stop once the cycle was set in place. Navient stopped withdrawing my payments when my courses began. I contacted them and told them I did n't want the payments to stop because I did n't want the interest to build any further as the interest was more than my loans already!!! Navient said the payments would not resume until I was done with my classes and it cycled up again. I told them I was not happy about that and had set up the payments knowing and expecting them to continue. I have continued making my scheduled payments ever since. I would have liked to go on to get a XXXX degree - but there is no way. The decision to advance my career and get ahead - to be able to afford life is a pipe dream and a scam. Student loans are great, but I gave my degree to loan sharks who only find ways to reap more interest out of me. 
ALSO - I have a loan amount that is a Consolidated - Subsidized loan. It is {$850.00} at this time. I ca n't just go to that one and pay it off in addition to my monthly payments that includes a much, much larger Consolidated Unsubsidized amount. I would love to cut off that chunk and at least stop the interest on it. 
**I am afraid to make any additional payments to any of it because I know my husband has had to prove his payments to Navient on more than two occasions because they were not crediting his payments correctly. I do n't want to deviate from their payment plan when I am able to pay more towards my balance for fear they will lose track of my extra payments and I will just be out the money. 
This has been a very frustrating and costly experience and I am still held back from going further by my student loan debt. Student loans are just another way to steal from and take advantage of those trying to better themselves in the job market.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries are not mine they was made without my permission, or consent, inquiries. ComenityBankXXXX XXXXXXXX : XX/XX/. All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 XXXX  which states I have a right to privacy, 15 USC 1681 604 XXXX  Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 XXXX  which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ XXXX  XXXX Account Number : XXXX ] for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. I have identified that the statements for my credit card, have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : I am attaching a letter showing that the creditor did not respond to me within the 30-day period, in which I formally request that detailed proof be provided to me regarding this specific item. '' [ per 15 USC 1666 ( b ) ] which has been adopted to ensure that each periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Also include all information required by section 1637 ( b ) of Title 15. Date of reported late payment : XXXX / 2024, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year I have been trying to get my financial picture back in order after being a victim of identity theft and having several credit cards, etc opened in my name and ran up the balances on the cards and left me to deal with this nightmare. I have done everything on my end to handle this issue the right way and following the process. I have submitted disputes directly with the three credit bureaus, I have updated personal information to ensure my credit report shows the most accurate name, address, social security number, date of birth, employer, etc. I have also changed all passwords to logins I have for my banking and subscriptions and I have went fully digital in regards to receiving mail to ensure nothing is stolen or tampered with from my mailbox. After several months of disputing these fraudulent accounts, I decided to file a police report as well as an identity theft report in the hopes this would expedite and finalize the process of undoing the mess I have had to endure because of identity was stolen. After submitting another several rounds of disputes with plenty of paperwork and proof that I am a victim of identity theft, two accounts have remained and are not following FCRA laws, which states that if I provide a police report and an identity theft report, the fraudulent accounts must be removed from my name and social security number and that information be blocked from reported on my credit reports. XXXX on multiple occasions has conducted improper investigations and has dismissed the police report, the identity theft report, has violated several FCRA laws, and they have never validated the debt or legitimacy of the accounts. My husband also passed 6 months ago and the fraudulent credit card accounts reported by XXXX XXXX XXXX and XXXX XXXX are not allowing me to purchase a home for my children or find a better job as they pull my credit and judge me based on accounts I never opened, authorized, or consented to. I am extremely upset and this is my last attempt with XXXX to have them remove the accounts fraudulently reported by XXXX XXXX XXXX and XXXX XXXX. If this issue is not resolved and removed and permanently blocked from being reported on my XXXX report, I will file a lawsuit against XXXX and I have all the trails of paperwork and responses to without a doubt prove multiple FCRA violations which equates to tens of thousands in monetary damages, not to mention the physical and mental monetary damages this has caused me and my family. I need XXXX to be held responsible by the CFPB, however my only end goal is to have those fraudulent accounts reported by XXXX XXXX XXXX and XXXXXXXX XXXX to be removed and permanently blocked from being reported or associated under my name and social security number. Thank you to the CFPB and god bless.
Product: Credit card or prepaid card

I had transactions that were made on my card.com debit card that I never authorized or benefited from and the person XXXX XXXX admitted that he stole my card and made the fraudulent transactions and hes now in jail because of this
Product: Mortgage

The property that I own has an Home Equity Line of Credit XX/XX/XXXX, the borrower is XXXX XXXX deceased on XX/XX/XXXX. I XXXX XXXX XXXX own the property since XXXX of XXXX, I have made the payments on the account, paid property taxes and insurance since XXXX, prior to XXXX XXXX passing away. On XX/XX/XXXX the Home Equity Line of Credit Mature, Wells Fargo Bank demanded the total balance of {$55000.00}. I applied for a loan modification, I provided to Wells Fargo Bank all the documents requested to prove my occupancy of the property, Wells Fargo denies the modification basing the decision in assumptions. On XXXX XXXX, I spoke to XXXX XXXX who advised that in the past prior to applying for the modification I stated that I was not living in the property ( hear say ) XXXX XX/XX/XXXX I received an Appraisal of my property REVS Evaluation Review from Wells Fargo Bank that reads as follows : " occupancy type : owner occupied, As-Is Occupancy : 100 %, Valuation Table : Market Value-Real Estate Only XXXX USD. I have provided to Wells Fargo Bank a copy of the City Ordinance that was adopted by the City Commission in XXXX, the approval change the zoning to the current TOC zoning district ( not a residential zoning anymore is a mix used ). XXXX XXXX advised that now is not the issue with the prove of occupancy, now is the Assumption of the loan, that because of the property not being zone residential anymore, now TOC zoning, probate might not approve the loan modification, that I will be getting a new loan under my name only. On XX/XX/XXXX, I receive a letter from Wells Fargo that reads as follows : " If you are approved to assume the loan, we'll add your name to the loan. Your assuming the loan will not release the borrower 's estate of liability. '' I ask XXXX XXXX about the legal status of my property, I don't want my property to be foreclose, she denies that my property is in foreclosure despite the fact that I have receive in the mail multiple legal advertisement that says my property is in foreclosure, is my understanding that during the process of a loan modification the foreclosure is on hold. I have provided on timely basis all the documents Wells Fargo requested since XX/XX/XXXX when the loan mature, I continue to pay for property taxes and insurance, I have never refuse to pay the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current credit report indicates 6 late payments. They are all attributable to Mr Cooper ( previously NationStar ) reporting which was the servicing entity for my mortgage at the time. 

In XX/XX/XXXX, I contacted Mr Cooper Customer Service to discuss my concern about receivables that were affected by the government shutdown would delay payments which would directly affect my ability to make a timely mortgage payment. I was instructed to make what payments I could and they would work with me. I missed the XX/XX/XXXX payment deadline because of the receivable payment delay, but made extra payments and was completely caught up by XX/XX/XXXX. They reported late payment for months 1, 3, 5, 7 and 8. Payments were made within the 30 days of those months, but the " late '' amount from XXXX was not fully caught up. When bringing to their attention the missing months of 2, 4 and 6 of this process, the responses was that their " system '' generated the credit reporting and nothing could be done. All the other subsequent months reported were a result of Mr Cooper 's application of received payments starting in XX/XX/XXXX, so the monthly payments were made and received within 30 days of due date, including associated late payment fees. So there was no ability to provide the reason for the subsequent monthly reporting entries made. 

In XXXX and XX/XX/XXXX, the sale of the property administered by Mr Cooper was under contract to be sold with a closing date of XX/XX/XXXX. During this time, the title company was in contact to determine loan payoff for the purpose of clearing title at closing. Title company submitted payment for remaining balance of mortgage to Mr Cooper, via XXXX, on XX/XX/XXXX but was not processed until XXXX. Initially, Mr Cooper reported XXXX as being late, but then agreed to address the error. They addressed it by making the XXXX payment late since it didn't get posted until XXXX. Property was closed on XX/XX/XXXX, title company forwarded payment based on information from Mr Cooper, but account was still reported as late because payment in full was not posted in XXXX.
Product: Credit reporting

I HAVE GIVEN EVERYTHING TO VERIFY ME THREE TIMES ALREADY - YET TRANS UNION REFUSES TO MAIL ME A FINAL ( POST INVESTIGATION ) CREDIT REPORT. THIS IS AN ABUSE AND HARASSMENT. I NEED MY CREDIT REPORT AFTER INVESTIGATION BY MAIL - NOT BY E-MAIL.
Product: Credit card

I have been a Macy 's customer for about 40 years. In XXXX 2015 I paid the account in full. In XXXX I received a statement stating I owed {$2.00} with no explanation. I tried calling but was left on hold or the call was dropped. In frustration, I went to the Macy 's store in XXXX, CA. 
They no longer have a credit office. One of the clerks called their credit department and it was explained the {$2.00} was for maintaining the account open!!! I was never noticed that if I have a XXXX balance I would be billed {$2.00} per month. The person agreed to waive the {$2.00}. charge and I told them I would be closing the account. I cut up our cards and sent them a letter telling them to close the account. Then I received a statement from Macy 's adding another {$2.00}. charge plus the {$2.00}. from the previous month for a total of {$4.00}. and giving me a credit on the account of {$33.00} stating it was a refund for a late fee. I did not pay any statements late. The are continuing to bill me {$2.00}. month for maintaining account that I closed in XXXX. I believe the {$2.00} a month fee is illegal. I want them to stop billing me and if they think I have {$33.00} credit, I want it mailed to me. If they are billing {$2.00} a month to XXXX of credit customers who have no balance due, they are billing the public XXXX of dollars a month for nothing.
Product: Debt collection

XXXX XXXX XXXX sent all of my personal information to a person in another state unknown to me. My email, address, phone number and email address. Violation of my privacy. I have never received any information from them regarding those debt and didn't XXXX know of it until it showed up on my credit report
Product: Debt collection

i contacted this company or opprotunity loans XXXX about validating a debt that appeared on my credit account. 

they have yet to send me a validation letter or response to validation. 

how do i know this is my debt if i dont know or be able to look at the paperwork they submitted to credit bureau .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX {$1500.00}. I first submitted my complaint to Equifax and XXXX on XX/XX/XXXX asking them to verify this unknown account. XXXX and XXXX both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX ) if I had additional questions. I contacted XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( Equifax and XXXX ) and XXXX. How is that possible if they CANT validate with me the consumer but validate with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle, XX/XX/. The financial lender that was selected by the dealership based on the rates was, XXXX XXXX XXXX. I was not familiar with the institution I later learned they were popular in the XXXX but didnt have any physical locations in XXXX  XXXX This was the first mistake that I made because as a result I have never been able to build a rapport with the company and have had to endure a vicious cycle of struggle. 

The global pandemic began a month after I purchased the vehicle but I could not return the vehicle. During that time, lenders were offering payment deferrals because no one was working. XXXX XXXX bank offered me a payment deferral plan, I believe in XXXX of XXXX. This was a relief because now I didnt have to worry about that expense, or so I thought. 

90 days later I received a notification from the credit bureaus, I was penalized as having a multitude of late payments XXXX days all Im regards to auto loan. When I called the institution they claimed that they hadnt filed the form, another agent told me there was no form, I asked for them to review the automated conversations because everything was recorded. But, there was never any resolution. These late payments resulted in my credit score dropping over 80 points. I have had trouble over the last several years rebounding. 

These impacts, based on a relief packaged advertised during the pandemic, have resulted in me being denied for opportunities by lenders and landlords. I have had to live on a living room couch because of the snowball effect of what they did to me.
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX, and XXXX. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 168In and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681 ( a ) ( 7 ). Please be advised that under 15 USC1681 ( 5 ) ( A ) of the FCRA- you are required to ". ..promptly DELETE all information which can not be verified. '' 1. TXU ENERGYhas violated my rights according to FCRA, listed above. Under federal laws, you have thirty ( 30 ) days to complete your re-investigation
Product: Credit card

I put my taxes on paypal credit ... The amount was {$4500.00} ... I continued to make payments on it and was just hit with a 29 % interest charge {$710.00} ... I called and they said the promotion period was over and that's the interest rate. They are misleading and predatory and I want to dispute this charge. When I called they said can't waive or adjust it and that it was in T & C 's when I opened account. They don't advertise this and it's an absolutely ridiculous charge. They would not work with me on any solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX Account # XXXX is reporting inaccurately through all credit reporting agencies. This Account has been written off and Charged-off on all three credit bureaus the balance should be reporting a XXXX balance, If the company has written the account off bad debt, the IRS states that this has now become income and income should not be reporting on my credit report. After numerous attempts of disputing with the the Credit reporting agencies and failed thorough investigations I would like to see this account removed from my credit report. In addition to the Credit reporting agencies is reporting inconsistent " date of last activity '' on all three credit reporting agencies. 
XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX The inaccurate reporting is Violating my FCRA rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I informed American Credit Acceptance who was reporting an unlawfully inquiry on my consumer report. I ask the company to send me the document with authorization with no reply.