23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern, I have proof from my banking institution that my mortgage holders successfully received every payment in full through to this date. When the previous mortgage company, XXXX XXXX, changed hands to Shellpoint, my ongoing problem began on XX/XX/XXXX. 

Shellpoint has consistently, month after month, claimed I was a month behind in my mortgage payments, charging me a late fee and affecting my credit. I have regularly called and written to Shellpoint to provide adequate proof of every payment they have questioned thus far. Shellpoint never assigned a solitary account representative to work with me to see this through to a resolution. The response is always, if you have any further questions, feel free to reach out to us. 

In our last communication dated XX/XX/XXXX, Shellpoint responded : that they rectified the XXXX payment in question, but now XX/XX/XXXX, was made in short, which is not the case. This situation has been ongoing for over a year now. I can not continue to go through this anymore. Shellpoint continues to give me the runaround. Shellpoint has yet to claim the missing payment ( since there isn't one ) but continues to charge me late fees. I made all of my mortgage payments on time. 

Regarding the XX/XX/XXXX payment that I made to XXXX XXXX, I sent a partial payment to match the funds in my Suspense account. In XXXX, the following statement from XXXX XXXX showed the XXXX payment I made was payment in full.
Product: Credit reporting or other personal consumer reports

I requested verification of an account on my credit report. I also had that same account deleted in XXXX only to be reinstated, which a violation of 15usc 1681I unverifiable and inaccurate being reinstated to credit reports. as a result of this my credit score was decreased significantly. this is unfair because i dont have any delinquincies on my report and the credit acceptance account status is closed and paid in full.
Product: Debt collection

I was covered by XXXX at the time of service. When notified that I was being billed, I filled out the back of the bill and sent it back with my XXXX info. There are XXXX delinquent accounts by the same collector, XXXX were covered by my XXXX benefits.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital one and all payments were placed on Autopay. 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 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. XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Student loan

As part of the Public Service Loan Forgiveness Program, I have submitted to my loan servicer multiple payments that meet eligibility that they have not counted. They have denied these multiple times without a reason given. I have gone on to submit an Ombudsmen report via the FederalStudentAid website, however, it is has been over 5 weeks without a response. I have called both FedLoan Servicing and the Ombudsmen 's office multiple times, however, have received no updates or further information.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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 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: Checking or savings account

I am recieving a persons mail at this address and can not get https : //www.bankofthewest.com/ to stop sending me mail to my new address from another person.

XXXX XXXX XXXX please help this bank stop sending mail to my address. All the informed delivery from usps is still sending this mail to my address after I request then to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXXXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX DEPTEDXXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX
Product: Credit card or prepaid card

This Complaint is intended as means to clarify my contention that the XXXX laptop computer I purchased from XXXX on XX/XX/XXXX is intended as more or less a disposable toy designed to generate as much revenue as possible for XXXX and its myriad partners, largely -- but not entirely ( the system battery is by no means intended to be accessible to users, as I have yet to even locate it ) -- owing to the absence of adequate cooling for the device 's Central Processing Unit. As seen in the attached photo, the customary cooling configuration for laptop computers involves the use of CPU paste ( not visible in the photo, but assumed to be present ) and an exhaust fan which sucks air through its top and blows it out the side air vents of the laptop, while also funneling air to the CPU via a flat copper rod. While the this configuration may well suffice for an XXXX CPU whose maximum speed is 2.4 GHz, it can not adequately cool an XXXX CPU whose nominal speed is 2.4 GHz -- designed to operate at speeds as high as 3.3 GHz -- as is the case with the XXXX XXXX mobile CPU that powers my device. This explains why my device is not reliable for anything more CPU-intensive than email, as the device will invariably crash when used for extensive multi-tasking of any kind or intensive video rendering. 

Moreover, the device is recycled and fraudulently advertised as retail, as XXXX has persistently failed to provide me with an explanation for the six-month discrepancy between when my laptop computer was manufactured on XX/XX/XXXX and when it was allegedly received ( and subsequently registered with the manufacturer, XXXX ) on XX/XX/XXXX by the supposed distributor, XXXX XXXX ( XXXX ), given the precarious and short shelf-life of laptop batteries. As recently as XX/XX/XXXX, I presented Citi with an offer to be forwarded to XXXX that I would reduce the amount of the dispute in question from {$370.00} to {$50.00} if XXXX were willing to demonstrate that the relevant issue at work with the dispute in question is shoddy ( as opposed to fraudulent ) distribution by procuring from XXXX a replacement device that can be verified as having been manufactured within a month of being delivered to me. Thus far, Citi has failed to even acknowledge receipt of my offer, which I resubmitted today via fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on XX/XX/XXXX to CFPB against the company XXXX XXXX In my complaint I advised for XXXX XXXX to investigate to why they are still reporting over 7 years account on my credit file and they responded on XX/XX/XXXX that they can't located the account number ending in XXXX and account ending in XXXX that is being reported on my credit file. these account are not mine and I don't have any knowledge of opening these accounts. I will like proof of payments and the company failed to provide payment history for XXXX and XXXX. Please reinvestigate this account due to violation of statue of limitation FCRA and delete/remove immediately Thank you
Product: Student loan

I was a student at XXXX XXXX XXXX. In XX/XX/2016, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions.
Product: Student loan

I have been submitting documents to MOHELA since XXXX XXXX XXXX They are blatantly lying and dragging their feet. I have talked to them on the phone. I have pointed out where they are rejecting my forms and deliberately stating falsehood. I have sent them documents and highlighted where they are not telling the truth. They are claiming my employment end date is before my employment begin date. I have resubmitted forms using different fonts and have had employers fill out forms a second time and MOHELA still lies.
Product: Credit card or prepaid card

On two occurrences, I was reported late to the credit bureaus for missing a payment. Once in XX/XX/XXXX and in XX/XX/XXXX. I was never informed via phone, email, or mail correspondence that a payment was due or missed. I even logged into Fortiva 's portal to make a payment in XXXX and it showed that there was no balance due which I assumed I had just made an overpayment as I have done in the past. I have a history of making my payments to Fortiva on time. 

I was notified of the payment by credit reporting alerts not by Fortiva themselves. I immediately contacted Fortiva via their chat option and was told that my issue would be escalated to a supervisor for a callback in regards to the discrepancy in XXXX business day and I never heard back. 

I then contacted Fortiva again via chat on XX/XX/XXXX again and received the worst customer service that I have ever received in my life. I explained to the representative that the payment did not show due in their portal and that I did not receive any communication from Fortiva regarding this payment and explained how this inaccuracy is preventing me from buying a home for me and my children and the representative gave no empathy or showed any desire to even try to help. She at one point denied reporting a late payment to the credit bureaus and even stated that nothing has been reported to the credit bureaus on my account since XX/XX/XXXX. I asked for supervisors, chat transcripts, and names of departments that I would be escalated to just to receive refusals to answer. 

I had to ask numerous times for the agent to look further into it because I was looking at my credit report and showing that that was true. She then gave false hope and acknowledged that they would try to help, got my hopes up that this would finally be rectified, just to come back, killing my hopes and refusing to provide no answers. This interaction and experience with Fortiva have caused me a great deal of XXXX and XXXX. 

I had to screenshot the chat after being denied a transcript of any of the chats I had with them being told by the representative that " we do not have that option ''. 

I asked for my issue to be escalated again just for the agent to agree, I then asked what department would my issue be escalated to just to get the response " Unfortunately, we do not have that option. '' again! 

There is much more that was said during my interactions with Fortiva that I could not believe as I have spent well over an XXXX  in communication with them.
Product: Credit card

My Capital One Savor account was restricted due to fraud that was never confirmed with me. There was no fraud on the account. So, in order to try to get this resolved, I called their fraud department, which needed an upload of my SSN, ID and Proof of residency. I only have a bank account for my proof of residency. I submitted all of this. They said that they need my full bank account number on the proof of residency in order to call the bank and verify. This seems to be too invasive to me since I already pay off said card with the bank account in question and am on auto-draft to pay off a loan with them. I mentioned this on the phone. They stated that there is no way for the separate departments ( Loans and Payments ) to talk with their department ( Fraud ). My card remains restricted because they need this additional information that the company already has access to. 

I then asked if I could close my account if I can get a reversal of the hard inquiry on my account since I opened it last year. They said that was out of their control as well. 

My card remains restricted from the company and now locked by me, and I still have a hard inquiry on my credit for a card I can't use any longer. 

They also can not release rewards I have earned on the card since my card is restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX There are all fraudulent inquiries that I dont not authorize the creditors to run my report
Product: Debt collection

Portfolio Recovery Associate without my consent, fraudulently opened an account in my and reported it to credit reporting agencies as it now shows up on my credit report as an account/dept to Portfolio Recovery Associates LLC XXXX
Product: Debt collection

Company : Quality Assett Revovery Collection Date : XX/XX/2018 Account # XXXX I disputed this with Quality Assett Revovery before it even got to collections and explained to them that I was not treated at that hospital on numerous of occasions. I also disputed it twice with XXXX  Credit with them saying the consumer disagree. So finally I sent Quality Assett Recovery two Validation Of Debt letters via mail asking what proof that was me I never gave them my social security number or date of birth better off even my name. I never signed any discharge papers or anything all I did was sit in a room and with the doctor and nurses came in there I denied and never said anything to them I ignored them. Under The Fair Debt Collection Practice Act I have the right to request proof that it was me being treated and the police sent me there against my free will I wasn't hurt or I never asked to go there. so I feel as if the Police Department should get billed because they forced me to go.
Product: Debt collection

I am writing to dispute inaccurate information that has been reported by settled accounts on my credit report. Upon reviewing my credit report, I have noticed discrepancies that need to be addressed promptly. I am concerned that this inaccurate reporting is negatively impacting my credit score and financial standing. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX There must have been an error and this must thoroughly investigate. XXXX and XXXX have already removed this account from their records. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXXXXXX XXXX - There is a possibility that this information may be inaccurate. This must be removed immediately. 
XXXX XXXX XXXX - I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 
XXXXXXXX XXXX  XXXX - There is no name associated with this file & needs to be deleted due to inaccurate info. 
Despite settling this account, the information reported inaccurately suggests otherwise. It is my understanding that settled accounts should reflect their accurate status on my credit report, and any discrepancy is not only misleading but also damaging to my creditworthiness. The terms of our settlement agreement clearly outlined that the account would be considered satisfied upon completion of the agreed-upon settlement amount. Therefore, I am puzzled as to why this information is not accurately reflected on my credit report.
Product: Debt collection

I am writing in regard a debt that was claimed I owe. I received a notice that Diversified Adjustment Service, incXXXX debt collector is collecting a debt that was owed to XXXX XXXX XXXX XXXX XXXX claiming I owed {$250.00} as of XX/XX/XXXX. 
I contacted this company in XXXX about cancelling this service since I am no longer living at this residence. The new tenant move in XX/XX/XXXX. Please advise on how to refute/eliminate this charge.
Product: Mortgage

21st mortgage is not accepting all the proper documentation for minor dependent XXXX. I am the XXXX parent the minors are both XXXX. The denial for the loan was based on the girls were already XXXX because they are XXXX  years and XXXX months. The federal Lending law and Social Security say the girls have to be XXXX and they get it until theyre XXXX or it will extend to XXXX if they are still in school full-time. They are also stating that The minor dependents are on XXXX. And I keep telling them theyre on XXXX but they do not understand the difference.
Product: Checking or savings account

My XXXX online savings account was sold to Citizens and transferred in XXXX, XXXX. I went to the XXXX, VT branch of Citizens bank to close the account on XX/XX/XXXX and I received the full balance and was told the account was closed. 

However, I continued to receive statements and emails from Citizens about fee waivers expiring and such. I returned to the branch on XX/XX/XXXX and was told the account was terminated. 

On XX/XX/XXXX I received an email from Citizens reminding me about fees ( fees were mentioned XXXX times ). I returned to the bank on XX/XX/XXXX and was told the account could not be found and to call customer service. I was unable to reach a person at customer service. I returned to the bank again on XX/XX/XXXX and was now told repeatedly the account, which could not be found the day prior, was closed and they had no idea what the fee reminder email was about or who sent it ( I brought printouts ; see attachments ). 

On XX/XX/XXXX, the branch manager XXXX XXXX XXXX ) repeatedly REFUSED to provide written confirmation that the account was closed ( " We don't do that '' ). I am deeply alarmed by this. 

Lastly, on XX/XX/XXXX I mailed from XXXX, VT ( XXXX ) a written request for confirmation of account closure to both the XXXX, VT branch and the central customer service center of Citizens in XXXX, RI. The letter to RI has been received, while the letter to XXXX, VT has had a delivery exception. I have not yet received a response. 

The account should be closed, but the XXXX, VT branch will not provide written confirmation and I continue to receive emails indicating to me it is open. Therefore, I believe the account is still open with a balance of {$0.00} and that I will start accruing " maintenance fees '' which may harm my credit. Out of fear for this, and due to their refusal to confirm closure on XX/XX/XXXX, I am submitting this complaint to the CFPB. 

I never agreed at any moment to be a customer of Citizens Bank. 


Attached are the following documents : 1. Scan of welcome letter from Citizens detailing my XXXX account transition to Citizens. 
2. A copy of an account statement from XXXX - XX/XX/XXXX showing a balance of XXXX. 
3. A screenshot of an XXXX XXXX XXXX internet alert showing Citizens changed the account holder on XX/XX/XXXX. This is 40 days after I closed the account. 
4. A copy of the email from Citizens on XX/XX/XXXX showing that fees will be starting. Fees are mentioned XXXX times. 
5. A copy of my XX/XX/XXXX letter requesting written confirmation of account closure. This letter was sent to both XXXX, VT branch and the central customer service center of Citizens Bank. 
6. XXXX receipt and tracking numbers to show written request ( attachment 5 ) was mailed on XX/XX/XXXX.