23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I hope this letter finds you well. My name is XXXX XXXX, and I am writing regarding my mortgage loan serviced by XXXX XXXXPHH Mortgage for the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NV XXXX. This correspondence serves as a formal request to cease all foreclosure actions against me and cancel sale date scheduled for next month XX/XX/year>, to honor my request for an affordable loan modification in light of my current financial circumstances. Still show active modification see attached proof. 

When I originally obtained my mortgage from AHMSI, the loan offered was a negative amortization or interest-only loan with exorbitant interest rates exceeding 10 %. This loan was neither sustainable nor affordable, resulting in a balance that inflated to {$760000.00}, despite my efforts to meet my payment obligations. It is critical to note that my situation is not a result of any negligence on my part ; rather, the inflated loan balance stems from the unsustainable nature of the loan that was provided to me. 

Furthermore, I faced significant hardships, particularly during the XXXX pandemic, including the loss of my elderly mother and a XXXX XXXX myself. Given these challenges, I have attempted to negotiate alternatives to foreclosure with your company. However, I have been met with resistance and a clear intent to proceed with an auction sale coming up soon on XX/XX/year> while am still seeking assistance, despite my ongoing request for a loan modification in which I attached proof of workout active. This dual tracking practice is both illegal and emotionally taxing, as it undermines my legitimate efforts to retain my home. 

It is my request that XXXX XXXX/PHH Mortgage immediately halt any further foreclosure proceedings related to my property and provide a loan modification that reflects the original loan amount of {$410000.00}, taking into account my financial capability. The proposed modification plan I previously received a year ago was demanding monthly payments of {$5300.00} which I refused that modification offer because was not affordable nor feasible and based on overly inflated loan balance, which is fraud, is unaffordable given my income of approximately {$5500.00} per month at that time. 

In addition, I wish to remind you that your company has not fulfilled its obligations under the Real Estate Settlement Procedures Act ( RESPA ) by failing to provide written acknowledgments of documents received or timely responses to my Qualified Written Requests. Such oversight warrants further consideration of my case and an earnest attempt to provide a fair resolution. 

I plead with you to reconsider my circumstances and work with me to develop an affordable modification that allows me to continue making payments while retaining my home. This is not merely a request for financial leniency ; it represents my genuine desire to honor my obligations and remain in the home I purchased under what can only be described as flawed circumstances. 

Thank you for your attention to this matter. I expect a prompt response and look forward to resolving this issue amicably.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 contract related to this account needs to be thoroughly reinvestigated due to inaccurate and unfair deceptive card practices.
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Wells Fargo credit card. 

On XX/XX/23 I made an overpayment of {$2.00}. On XX/XX/23 I made a purchase of XXXX. My running balance shows I owe {$7.00}. Yet, my outstanding balance showed I owed {$9.00}. I paid the {$7.00} and my running balance showed XXXX balance. Yet the outstanding balance owed showed {$2.00}. 

I called the bank on XX/XX/23 and 2 agents could not see my running balance and could only see outstanding balance. They argued until I got to the 3rd, higher up, agent. He said it was outrageous that they, the agents, could not see the running balance and he would take this matter to the complaint department and I would have an answer in 10 days. He also said I was, " nickle and diming the bank. '' I believe this is a deliberate attempt to steal from their customers and they make the resolution process so difficult that customers eventually pay. This is theft.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over 30 days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the Equifax, Experian, and Transunion breach.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies XXXX, Transunion, and XXXX are mandated to conduct their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I assert my rights supported by 15 USC 6801, which underscores Congress 's policy that financial institutions must consistently respect the privacy of their customers and safeguard their nonpublic personal information. The entity supplying information to credit agencies, classified as a financial institution, is bound by these obligations. According to 15 USC 1681 section 604a ( 2 ), any consumer reporting agency can furnish a consumer report only in accordance with the written instructions of the concerned consumer. Both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX, Transunion, and XXXX, lack my consent and, more crucially, my written consent to furnish this information. Any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is now revoked by me. Contrary to the provisions of 15 USC 6802 ( b ) ( c ), the financial institution failed to inform me of my right to exercise nondisclosure options. Moreover, as per 15 USC 1681C ( a ) ( 5 ), XXXX, Transunion, and XXXX are unlawfully reporting adverse items without my permission, a violation of the law. Section 1681s2 ( A ) ( 1 ) A of the U.S. Code clearly stipulates that a person must not furnish inaccurate information to a consumer reporting agency. XXXX and XXXX are thus in breach of this requirement. Additionally, 15 U.S. Code 1681e mandates every consumer reporting agency to maintain reasonable procedures to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. XXXX, Transunion, and XXXX are failing to uphold these reasonable procedures. Lastly, according to 12 CFR 1016.7, I retain the right to opt out of there reporting services at any time, and I am hereby exercising that right. I expect these concerns to be promptly addressed to avoid legal repercussions.
Product: Credit card or prepaid card

XXXX I purchased furniture online, the merchant sent an email stating the transaction was cancelled and refund issued. 

The transaction has cleared and {$1600.00} is gone was advised I would have to print a form-no access to printer. And wait up to 90 days for resolution. 

No person to speak with or call all overseas automation.
Product: Credit card or prepaid card

I traveled to XXXX in XXXX where I utilized my Chase Sapphire Preferred card to rent a car. I was unfortunate to be in an accident with another vehicle. I had to pay in cash at the moment of the accident to retrieve my passport and not get arrested. I contacted the cards benefits services ( XXXX  ) to get compensated for what I paid in regards of the car that was totaled. I have been providing all documentation that they requested even while the rental agency was not cooperative as I would wished for. After I provided all documentation and one examiner finalized my claim, they stated that it was not finalized and that they needed to investigate it more. They stated that the claim was given to the underwriters and it was out of their control. I have been going through financial hardships in regards to this claim taking so far about 4 months, and it resulted into selling my house to pay back the cash amount that I had to borrow for paying for the damages. They have been acting in bad faith since the beginning of the claim, they do not review documents, they keep telling me that since it is a high amount value claim it needs to go to the underwriters and that it will take another 30-60 days or more. I have tried to contact Chase but they keep transferring me to the same people again and again. The amount that I paid was approximately XXXX MAD to the rental company. They are literally the worst to deal with since they do not provide you with any help to even retrieve the documents.
Product: Checking or savings account

unauthorized withdrawals from debit card in XXXX thru XXXX totalling {$10000.00}
Product: Checking or savings account

This morning XX/XX/year> I filed a dispute with transactions totaling around XXXX $ today i noticed XXXX subtractions on my bank transaction history Starting 4 days ago. I DONT HAVE A XXXX?!!! I NEVER HAD A XXXX!!!! However an employee : XXXX told me my account was new ( its 3 months old with frequent use ) Then a supervisor : XXXX told me there was nothing she could do and I just dont understand it is the XXXX my rent was due on the XXXX. Police told me while I was filing a police report ( report number XXXX XXXX city XXXX precinct ) to file a cfpb report if they didnt give me some kind of credit which I asked for over and over. Please solve and close this dispute. 
THEN AFTER ALL THIS THEY CLOSE MY ACCOUNT TO AVOID DOING THEYRE JOBS
Product: Mortgage

My mortgage servicing transferred from XXXX XXXXXXXX XXXX to Shellpoint Mortgage on XX/XX/2022. The loan was current at the time of transfer with the most recent payment being a full XXXX payment made on XX/XX/2022 to XXXX XXXX ( prior servicer ). The prior servicer, XXXX XXXX, confirms that the loan was current at the time of transfer. Immediately upon being transferred on XX/XX/2022, the new servicer Shellpoint Mortgage, claims that I did not make my XX/XX/2022 payment and that it was now due to them along with the XX/XX/2022 payment. Although this claim was incorrect, Shellpoint advised me to make both XXXX and XXXX to them and that this problem would be resolved within 60 days. Today is ~ day XXXX and nothing has been fixed. Shellpoint Mortgage has received several proof of payment documents from me which they have acknowledged both in email and on the phone. I have spent over XXXX hours in the last 80 days trying to get this issue corrected and each time, Shellpoint has no updates that this matter is being addressed and continually asks me to provide the same proof of XXXX payment documents that they've already received many times. The prior servicer, XXXX XXXX, has provided both me and the new servicer, Shellpoint Mortgage with a full accounting of my XXXX payment along with a letter that I was current. Shellpoint has continuously dropped the ball on this, failing to make progress, failing to keep in communication with me, and failing to provide any documentation to support their false claims. Me, the prior servicer, and my personal bank are all in full documented agreement that it is Shellpoint that is in error and yet Shellpoint is not interested in addressing this issue in a timely manner.
Product: Credit reporting or other personal consumer reports

This company is in direct violation of 15 U.S. Code 1681c2 ( A ) .On or around XX/XX/XXXX I filed a FTC complaint regarding identity theft and then I wrote this company informing them of my data breach and then I asked experian to block said information which was a XXXX XXXX XXXX account to which it has been more then four days since I demanded said block and this company has failed to honor my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my Freedom credit accounts back in XXXX and it is still on my credit report. I called asked speak to a supervisor on Monday XXXX at XXXX XXXX.The rep says she can not locate my accounts she was very XXXX and had XXXX XXXX I filed paperwork for small claims court because I made over XXXX attempts to get this resolved. Also a account was opened in XXXX when I was already out the military this is not mine.
Product: Credit card

XXXX XXXX XXXXXXXX XXXX me {$130.00} for traffic and bridge fine. I did not get a traffic or bridge fine ticket during my rental period. If I do, I have not seen the tickets. 

I disputed the charge with the Credit Card company Citi to get me a credit back, but they did not issue a credit back to me.
Product: Credit card

I was on a trip out of XXXX XXXX area by XXXX miles and my card was blocked when I purchased gas. When I called I was told it was due to possible fraud. I was told I would need a new card which of course could n't be sent to me there-XXXX XXXX. So I had to figure out other ways to pay for items on my trip with difficulty. My new card was supposed to be at my home on return. It arrived 5 days after that instead. When I talked to them ( US Bank ) they told me I would need to tell them of travel plans including the dates of travel and the state. This is none of their business and I believe puts my personal security at risk especially my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Debt collection

I attended XXXX XXXX XXXX in XXXX on the XXXX XX/XX/XXXX XXXX. The University claims that I owed them {$2700.00} for amounts not paid. According to records obtained from the Department of Veterans Affairs, the amounts owed were paid in full at the time of attendance. I have screenshots of the amounts paid by the XXXX. and the amounts that the University claims were paid. The amounts do not match. It seems that the University 's records are missing payments. I received a letter from Reliant Capital Solutions , LLC. on XX/XX/XXXX, claiming I owed them the amount referenced. I sent an email stating that I was disputing the claim and that they were not allowed to contact me, by law, until the debt had been validated. I received a follow up email from them on XX/XX/XXXX, at XXXX, stating they had received my request and they were suspending any collection until validated by the University XXXX On XX/XX/XXXX, at XXXX, I received a phone call from the collector. I let it go to voicemail, but they did not leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan creditor, NAVIENT is reporting multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ). <P/>The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. Reporting is to be updated on my credit report to reflect a forbearance status for the months indicated below. <P/>( 8 accounts ) Loans were placed in forbearance on XX/XX/XXXX and retroactively backdated to cover the past due month of XX/XX/XXXX. <P/>Loans were placed in forbearance on XX/XX/XXXX and retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX. <P/>Loans were placed in forbearance on XX/XX/XXXXand retroactively backdated to cover past due periods of XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This compant holds a high value trust under the instruction of a person named XXXX XXXX XXXX who is perhaps the XXXX XXXX XXXX XXXX. The acct should be in my name being that it is under my XXXX XXXX XXXXy. This man could of very well changed it by now. They accepted the transfer and has allowed this man to steal my money without checking the validity of the information from the party whose acct it is. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$160.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$840.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$770.00} Account Name : XXXX XXXX XXXX XXXX  XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$10000.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$56.00} Account Name : XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} Account Name : XXXX XXXX XXXX XXXX - Balance : {$1200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Those Accounts Arent Mine, i Never authorized them to be opened. I am Victim of Id theft, people have used my information to open them and perform fraudulent activities. 
Accounts Affected by the Crime XXXX XXXX {$2500.00}. 
-XXXX XXXX XXXX  {$1100.00}. 
XXXX XXXX XXXX {$1000.00} - XXXX XXXX {$930.00} -XXXX XXXX XXXX {$740.00} XXXX XXXXXXXX XXXX XXXXXXXX {$570.00} XXXXXXXX XXXX XXXX  {$75.00}
Product: Mortgage

I have a home Mortgage from Nationstar Mortgage, on the first day of the month I will receive a call from one their employee asking me when I will pay my mortgage. Most months I pay my mortgage on the XXXX day of the month on other months it may on the XXXX day, but I always pay ontime. I would like for Nationstar Mortgage to stop calling me unless my payment reaches them after the XXXX of the month. The calls are very condescending and the calls come when I am in meetings, they do n't seem to care when they shame me. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.