23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX, XXXX your office assisted me in a very horrible experience with XXXX XXXX XXXX and the mortgage crisis that happened during this horrible time. I was a victim of this horrible fraud by the mortgage lenders and after a long two year battle, I successfully modified my loan, in XXXX, XXXX. I though that my nightmare which severely impacted my life was over. I guess even with {$63.00} XXXX dollar fines, this practice is rearing it 's ugly head once again and I need help. XXXX XXXX XXXX sold my loan to Greentree Servicing who is now called Ditech. I was a XXXX, Greentree now Ditech customer. Because of my loan modification it clearly states if I have any delinquent payments the agreement can become null and voided and obviously I would be in foreclosure and possibly lose my home which is a fear I will never forget. I have lived in my home 31 years, raised all my children here and now grandchildren. The emotional distress this is causing me is insurmountably hard, I have sleepless nights. 

I made my regular payment, as I have always done but noticed my payment was not applied. I contacted Ditech immediately to have this corrected. Ditech informed me that due to their new " system '' my auto pay was cancelled and never notified me that in writing. I IMMEDIATELY made a payment over the phone on XXXX/XXXX/XXXX for the XXXX payment, and their rep XXXX XXXX from the XXXX, NC office MISAPPLIED my payment to principle instead of my house payment. So you understand how serious this is to me as I have XXXX trust in the bank, I schedule my auto pay on the XXXX of each month in order for me to babysit the process and give them enough time to mess up so it 's not close to the final due date. I have been calling daily to have the payment reallocated from principal to house payment and backdated to the date it was paid to no avail. It has been 8 business days. They continue to tell me my payment will be applied, but again I do not believe them and feel that this nightmare is starting once again! I have an extensive phone long and recorded my calls to them as they will not give me anything in writing that shows I did make my payment on time and it will be backdated and reallocated properly. I have spoken to 8 supervisors who make empty promises and it is my fear that this will fall through the cracks, just like what XXXX XXXX XXXX did, say they are missing a payment and threaten foreclosure. 

I 'm not surprised that they will not put any of these conversations or complaints in writing. I sent them a written demand to investigate this but again, due to lack of trust and reading that this mortgage services IS STILL PRACTICING UNETHICALLY I am reaching out for your assistance. 

Thank you for any help you can offer. My fear is that this housing crisis that I lived through is slowly coming back. The internet has hundreds of recent stories that mortgage service companies such as Ditech as still doing this unethical practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my consumer report and there was several inaccurate information listed as personal information that does not belong to me such as spelling of names, unrecognizable addresses and phone numbers. I sent a communication on XX/XX/22 to Experian with written instructions Pursuant to 15 U. S. Code 1681a ( d ) ( 1 ) to have it removed. The names are XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX. The addresses are XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. DO NOT CALL XXXX XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. The Phone numbers are XXXX. XXXX XXXX. XXXX. This inaccurate information is still on my consumer report after allowing 30 days to have this issue resolved.
Product: Mortgage

I was recently contacted regarding my credit that Shellpoint reported me more than 30 days late for my XX/XX/2020 payment this year which drastically impacted my credit score. My frustration with Shellpoint is that during this time, I was starting a 3 month forbearance plan, starting in XX/XX/2020 - but still made 1/2 payments for XX/XX/2020, XX/XX/2020, and XX/XX/2020 - Please note that I paid in full and caught up my account this XX/XX/2020 only because I was concerned about how slowly Shellpoint adjusted my account and wanted to continue to show my good status with Shellpoint. 

I had a guarantee by your team XXXX XXXX XXXX among others at the time ) that taking on a forbearance would not negatively impact my credit and that you would be keeping this internal to Shellpoint and no reporting to the credit bureaus. Please note that I have maintained my account in a pristine fashion with you for more than 3 years, with early payments. Even during the Forbearance period I made 1/2 payments, then paid in full early - before it was due in XXXX. 

I started conversations back in XXXX to decide if it made sense to use the forbearance plan, even though I had the savings for this - but due to COVID, my salary had been drastically reduced and this would help my short term cash flow. You can imagine my surprise when I just received notice that my credit dropped by nearly 100 points since Shellpoint reported that my XXXX payment was late - more than 30 days overdue - even though I was in Forbearance period and I also made a 1/2 payment for XXXX in XXXX. 

My credit has been perfect - obviously, in that I wouldn't have even been able to get a jumbo loan if this wasn't the case. 

Can you please straighten this situation out with your credit department and the Bureaus? I really appreciate your assistance in this matter. I have all of the paper work and history - in addition to the copy of my credit report showing Shellpoint 's negative rating.
Product: Mortgage

This is an on-going saga with a home foreclosure that was the result of a divorce. The first mortgage was transferred through several financial institutions and is recently being serviced by Shellpoint. My ex-husband stopped paying on the mortgage years ago and rather than start the foreclosure, XXXX XXXX XXXX sold the mortgage which ultimately ended with Shellpoint. The original mortgage amount when it was originated in 2004 was {$120000.00}. In XXXX, the balance reporting was {$120000.00} and in XXXX the balance is reporting {$150000.00}, a full {$26000.00} more than the principal balance. It seems abusive for a lender to transfer and delay the foreclosure of a property only to continue to accrue interests and fees. I 've practically begged for both XXXX XXXX XXXX and Shellpoint to complete the foreclosure, yet to no avail and now the account is being assessed an additional {$26000.00}. I am at a loss to what I can do at this point.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, a CSR rep from One Main Financial called me as a courtesy asking when did I want to make XXXX payment. I asked if I was able to refinance to get some cash back since I was trying to sell my home and purchase a new one. The CSR rep advised that a refinance would require to run my credit and I stated I was not interested since I didnt want an inquiry on my credit. The CSR advised I do a deferment instead. This would put one payment at the end of the loan and loan would be current. No credit inquiry would be needed for a deferment. I stated I was interested and the CSR rep processed my deferment on XX/XX/2022. However, now One Main Financial reported to all credit bureaus that I MISSED a payment for the month of XXXX of XXXX because according to them, the payment was ACH on XXXX. I called XXXX, left a voicemail and a rep called me, her name is XXXX and told me I needed to write a dispute letter and fax to them, which I did. I received another call at XXXX from the Dispute Department and spoke to the One Main Manager in the Executive Customer Care department. She now states XXXX XXXX is not able to remove that alleged MISSING payment from my credit report because this is not something they do for their customers. I told her if a payment was deferred it was not MISSED and One Main is acting in bad faith. Had their CSR rep advised I would have a missing payment in XXXX on my credit report i world have never done a deferment. The CSR rep should have been more knowledgeable and know the payment was being ACH on XXXX and not advise I do a deferment. My home lender will not approve my home loan with a missing payment in my credit report on XX/XX/2022. One Main has acted maliciously and has misinformed me, hindered me from getting a Home loan to better the quality of life if my family.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding identity theft, resulting in unauthorized accounts, inquiries, and addresses on my credit report. Despite my efforts, XXXX, XXXX, and Experian have failed to address these inaccuracies. These actions violate FCRA, FDCPA, 15 USC 1666b, and Colorado state laws. Please ensure these agencies correct my credit report.
Product: Debt collection

The Experian Credit Bureau won't diligently and investigate the medical bills I disputed with them multiple times and even provided documentation clearing my name from any medical bills during a XXXX that I was a XXXX XXXX.
Product: Credit reporting

Experian credit bureau refuses to re-investigate items on my credit report that are inaccurate.
Product: Debt collection

On XX/XX/2020 Comnwlth Fin added a derogatory mark on my credit report per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA Comnwlth Fin has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries and accounts showing on my credit report. According to the Fair Credit Report Act ( FCRA ), I expect these inquiries and accounts to be removed within XXXX business days. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Two problems same banking credit company Bank in charge of two of my credit cards XXXX XXXX XXXX XXXX and XXXX. First XXXX I purchased a custom XXXX  and put it on monthly payments which were interest free. I paid off the ring in XXXX of 2021 in full. I had received statements every month till XXXX which listed my balance as XXXX. Then in XXXX I get a bill that stated I owed XXXX some dollars I immediately called customer service and asked why I owe this amount and why hadnt I gotten a statement before this if I did owe money which I didnt because I paid off the account. They stated I owed XXXX as a close out of the account that was paid in full of over XXXX $ then they charged finance fees for late payment. After a long discussion and speaking with supervisor it was of course erased. 
Now they reported I was late a payment which I was not and my credit score took a XXXX of XXXX points Does it end there! 
XXXX again Comenity Bank get a Bill for over XXXX dollars all finance charges for a bill that was paid in full but interest was not until next statement since I call in to pay Bills each month and knowing I had paid in full my statement from XXXX I had no idea that there was an interest amount to be paid. They in turn charged late fees totally XXXX XXXX Yes I again had a discussion with a supervisor and again it was taken care of with me owing nothing. 
Why the complaint Comenity bank is getting over and I believe charging fraudulent charges. This is the Fourth incident I have had with them over the last 10 years. The first two happening well over 10 years. To have 2 so close together and so similar in accounts. Either they know they are deceptive or something is wrong with their automated services, which I doubt because I NEVER have any problems with any other bank I deal with my credit cards with. I can only imagine the number of people who dont know about their deceptive practices and how their credit scores can be affected. I believe Comenity bank practices should seriously be investigated!

You didnt allow space for two credit cards so here is. XXXX # XXXX This surely shows a pattern and if you note my credit history I am always on time with all my payments 100 % of the time and most times pay off the entire balance monthly
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reported on my XXXX, XXXX, XXXX Experian. I have disputed multiple times without any change. pl\Please remove the incorrect item from all three bureaus. 

XXXX XXXX is listed on my XXXX and XXXX in error. I have also disputed with XXXX and XXXX with no results. Please remove these incorrect items.
Product: Debt collection

Got a call from  XXXX  from "  Simms associates '' claiming that my deceased grandmother owed  a debt. My grandmother has been deceased for over a year and have never had any issues like this before. I googled the phone number and read many other stories from people that this company is trying to collect debt from deceased people 's family members. Preying on innocent people.
Product: Checking or savings account

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.
Product: Checking or savings account

In XXXX I realized that I became a victim of identity theft from someone using my debit card info to apply and setup XXXX accts for their personal gain .I noticed the transactions and contacted my bank reissued me a new card and it started happening again disputed the items again in XXXX and was now told these charges are valid. XXXX a large amount of money came out my acct from bank of America stating all charges were valid and temporary credit was taken back I opened dispute several times to be told the same thing over and over from bank contacted XXXX XXXX said it doesn't issue refunds contact your bank .I call my bank they tell me to contact merchant but I'm out of almost XXXX  between my 2 accts .and I open investigation again with a police report, and I called XXXX and XXXX couldn't give me full name but issued me partial names of 10 accts under 1 card since XXXX Bank of America has issued me 9 different cards due to fraud but say all charges are valid and I also received a letter from XXXX   stating I'm in their data breach but low and behold I still cant get my money back thays been lost over a 11 month span and I alerted them on several disputes and bank of America linked them all together and will not give me my money back .this has put me and my family in a financial crisis with all the fees and loss of XXXX is substantial to anyone to lose especially when it's your mortgage payments. Also I've asked bank several times to provide me proof that charges were valid and the bank stated they dont have any written proof from merchants but analyzed and said it's off their knowledge. I am requesting written contractual agreements with my signature on them.to validate their claim of authorized charges .which Cant be produced because I never authorized any charges. I still request bank provide me written documentation with my original signature on receipts or contract to validate and prove that charges were authorized by me. I request validation of all charges with written documentation with my original signature on the document for validation .please provide
Product: Debt collection

I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the federal trade commisions identity theft affidavit. Please delete the items as soon as possible.
Product: Debt collection

PORTFOLIO RECOV ASS Contact XXXX XXXX XXXX XXXX, VAXXXX  HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$450.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

I am being charged for a line of credit that I opened with CARE CREDIT however, I never used the credit they offered. I never used any money from the company and never used the amount they approved me for. I dont have the exact dates but I know the year. It was in the year of 2020. 
I called consistently and they werent able collecting money out of my account. I tried to dispute it w them multiple times, but they would always tell me to call back another time, and when I did, I asked to talk to manager to ask why I was getting charged, for money I never used, she had me call her Multiple times, and when I did, she was hard to reach or wasnt available. They said they would give me my money back and I never got it.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$9500.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by Midland Credit Management about a debt their company was attempting to collect. I sent them a " Method Of Verification '' letter and they never sent over any documentation to connect me to the alleged debt. The collection account in question, was reporting to all three Credit Bureaus, I was able to dispute the account, which resulted in the collection account being removed from my XXXX XXXX and XXXX credit reports but it is still showing up on my XXXX credit report and the company has repeatedly sent " Debt Collection '' pamphlets and tried to contact my via phone after proper hours. I have tried to contact Midland Credit Management on several occasions to settle this matter, but I only receive additional collection letters. Can someone please assist me in correcting this issue?
Product: Student loan

I have two separate issues with my application for Public Service Loan Forgiveness ( PSLF ) that I have made Mohela aware of on several occasions, but neither has been resolved, and the application has been in " processing '' for many months. 

First, Mohela is erroneously saying that my employment is " not certified '' for all my loan payments between XX/XX/XXXX and XX/XX/XXXX, despite clear proof that I have been employed at the same 501 ( c ) ( 3 ) nonprofit organization since XXXX of XXXX. The attached individual payment summary shows the " Employment Not Certified '' status for all loans between XX/XX/XXXX and XX/XX/XXXX ( see pp. 9-15 ), while the attached Employment Certification Form ( from XX/XX/XXXX ) shows that I was employed continuously at the same organization between XXXX of XXXX and XX/XX/XXXX. I have brought this problem to Mohela 's attention multiple times by phone and written correspondence, and have waited many months for it to be resolved, but nothing has happened. 

Second, although I made monthly payments to XXXX throughout XXXX and XXXX on my consolidation loans ( see attached " XXXX XXXX Payment '' spreadsheet ), Mohela has not given me credit for any payments on these loans ( identified as " 1 DL Consolidation Unsubsidized '' and " 2 DL Consolidation Subsidized '' ) between XX/XX/XXXX and XX/XX/XXXX ( see individual payment summary pp. 63-69 ). Again, I have made Mohela aware of this issue, provided them with the relevant information, and have sent them the XXXX XXXX XXXX summary, but they have not resolved the issue despite many months of waiting. 

I am eligible for PSLF now and want to complain about Mohela 's inattention to these simple, easily resolvable issues.
Product: Mortgage

We received a loan modification in XXXX and were told we have an escrow account then in XXXX of XXXX were told we did not have a escrow account and also they do not include home owners insurance in that account so now our payment has increased over XXXX to start an escrow account and to cover the taxes for XXXX. The contract we and they signed states there was a escrow account and that payment for said taxes and insurance would taken out of the monthly payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX - 60, 60, 30 days late XX/XX/XXXX - XX/XX/XXXX - 4x 30 days, 1x 60 days late XXXX XXXX XXXX Acct # : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX XXXX, has violated my rights. 
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 a account without my written instructions.