23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received another completion package yesterday, XX/XX/XXXX, from Shellpoint requesting the same information that I sent them on XX/XX/XXXX However, this time, there are additional documents required to be submitted ( boarder rent letter, copy of mortgage statements ). It appears Shellpoint 's intent is that I never have a complete package. I am rattled and baffled by the recurrent request. Today I sent them a copy of my hospital stay on XX/XX/XXXX due to XXXX ( XXXX ) because of my mortgage XXXX. The hospital report should be included as part of my already submitted hardship statement. XXXX XXXX XXXX is an XXXX XXXX. 
My previous complaint # XXXX and XXXX have not resolved my mortgage XXXX. Shellpoint 's past and current delay tactics are unfair and unjust. 
Today I sent Shellpoint copies of the same previous documents because I have no new ones for XX/XX/XXXX. I resubmitted the documents, again, before their XX/XX/XXXX deadline. I had previously sent a copy of my electronic submitted XX/XX/XXXX federal return with requested XXXX XXXX I have not filed my XXXX federal tax return yet because the deadline is XX/XX/XXXX In the previous mailing I signed for Shellpoint to receive a transcription of my XX/XX/XXXX and XX/XX/XXXX federal returns. My banking is done online and the monthly statements are printed from my online account. A resubmission of the following documents were enclosed : Completed and signed Uniform Borrower Assistance Form Signed copy of my most recently filed personal XX/XX/XXXX federal income tax return including all schedules and forms Copy of my most recent bank statements dated less than 90 days old at the time the complete package is received Copy of a letter from the Social Security Administration office verifying my social security number on an executed copy of Form XXXX ( dated less than 90 days old at the time the completed package is received ) Copy of the benefits statement or letter from the provider that states the amount, frequency, and duration of all benefits received. This is verified and highlighted on my bank statements. 
Copy of my most recent bank statement showing receipt of such payment Copy of the lease agreement and two months proof of rental payment, i.e. bank statements. Verified and highlighted on my bank statements Boarder Rent Letter - my son rents the house and his $ XXXX monthly payment is shown on my bank statements as a transfer. I highlighted that for you as a transfer between our accounts. 
Copy of the mortgage statement showing the principal, interest, taxes, and insurance amounts ( must be dated less than 90 days old at the timer of the complete package is received ). I have included this time the XXXX second mortgages as well as the Shellpoint first mortgages for XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, OH XXXX. 
I sincerely need relief. 
Why is n't Shellpoint willing to help me when I have so dutifully paid the mortgages on both properties without default from my XXXX income since XX/XX/XXXX? 

XXXX XXXX XXXX ( Account # XXXX for XXXX XXXX and Account # XXXX for XXXX XXXX XXXX XXXX, OH XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

2 MONTHS NO RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Family Education privacy Act of 1974. my school loans should not be reporting on my credit reports.

15 US Code 1679 ( c ) Disclosure. Under the law any items reporting after 7 years must be removed from your credit report.
Product: Credit reporting or other personal consumer reports

Re : All my Chase Credit Card accountsRequest for XXXX XXXX and all data filed with every credit reporting agency. 
I have significant claims for willful FCRA violations. While I have numerous paper copies of my credit reports from XXXX, XXXX XXXX and XXXX ( CRAs ), such reports are just a snapshot in time without any detailed activity or changes over time. I have made extensive direct disputes and indirect disputes through the CRAs. I need you to provide me with each and every submission that you have made to every crefit report agency including the XXXX CRAs for the last 2 years. I need every submission, including monthly data reported and off cycle interim data reported which document every point of data reported on your XXXX XXXX submissions. I need the raw XXXX XXXX data submitted with an easy to read coding for all data submissions. I need each and every change on my report at any point of time, which would include dates dispute or other codes were added, changed or removed. Moreover, I need the entire communication of every dispute investigation or other request submitted to you by the CRAs so I can compare it against my written disputes. Obviously, your reply to indirect disputes is required to be noted as a Data submission. I need to analyze the 360+ data points for every XXXX XXXX submission to compare against paper credit reports for accuracy, completeness and XXXX XXXX and FCRA compliance. I also need a compressive detail of every step taken to address each and every direct or indirect dispute that you have received including verbal, written or otherwise filed in CFPB submissions in its portal. I need all data which should be simple due to its computerization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX paid off the mortgage at XXXX XXXX XXXX XXXX in XXXX, MD XXXX on XX/XX/2021. It still shows that I have a balance of $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights continue to be violated! There is fraudulent activity that I have reported that remains on my credit profile.
Product: Mortgage

3rd ATTEMPT On XX/XX/XXXX I signed a refi on my property via a broker and 2 witnesses at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX to be picked up with pout check due to machine problems Picked up check/over XXXX missing told credit score and XXXX mins before closing received call from agency stating credit score slipped more in interest. Demanded closing dics again machine problems, Docs TO BE MAILED. Never received copy of XXXX mortgage or closing Documents/ Finally told ALL DOCS LOST IN HURRICANE WILMA On XX/XX/XXXX a {$160000.00} mortgage closing took place at XXXX  XXXX XXXX XXXX XXXX XXXX without XXXX XXXX knowledge, consent and authorization of any kind. The same notary on the XX/XX/XXXX mortgage is the same notary on the Fraudulent XXXX mortgage. Also present at this XXXX closing was a witness who also participated in the XXXX closing. All done via IDENTITY THEFT I have documents that spell out " A SCHEME TO DEFRAUD '' On XX/XX/XXXX I found out the truth and upon further inspection of the clerk of Court XXXX XXXX found the following facts a, Discovered a XXXX {$130000.00} Mortgage electronically filed b.XXXX  XXXX XXXX Satisfaction pf XXXX mortgage c/Phone call to XXXX  &  XXXX who forwarded an unsigned settlement statement d, Found {$11000.00} theft in XXXX mortgage e. Electronic filing of a fraudulent mortgage to XXXX XXXX Clerk of XXXX Court on XX/XX/XXXX f.After too many calls to XXXX XXXX XXXX was able to bring the XXXX closing Documents safe RETURN from Hurricane Wilma ALL XXXX  pages. g.Confirmation of the XXXX mortgage THRFT was confirmed witg a signed settlement statement that dame back from Hurricane Wilma. And all done with DELIBERATE DECEPTION OF DOCUMENTATIONs. Was I Profiled?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX : XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX PA ) XXXX Balance : {$170.00} XXXX XXXX XXXX. XXXX XXXX XXXX : {$8500.00} XXXX. XXXX XXXX XXXX : {$4200.00} XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} XXXX. XXXX XXXX XXXX : {$2600.00} XXXX. XXXX XXXX XXXX : {$3100.00} XXXX. XXXX XXXX XXXX : {$1200.00} XXXX. XXXX XXXX XXXX : {$1000.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$7600.00} TRANSUNION XXXX XXXX. XXXX XXXX XXXX : {$0.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$8500.00} XXXX. XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7600.00} XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$3100.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act & CARES Act, XXXX Account # XXXX has violated my rights. 

Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May nit treat a payment on a credit card account under a open end consumer credit plan as late for any reason. 

CARES Act : 17 SEC. 4021. CREDIT PROTECTION DURING COVID-19 18 Section 623 ( a ) ( 1 ) of the fair Credit Reporting Act 19 ( 15 U.S.C 1681s-2 ( a ) ( 1 ) ) is amended by adding at the 20 end the following : 21 ( F ) REPORTING INFORMATION DURING XXXX XXXXOVID-19 PANDEMIC. 



Below are the late Missed Payments in question : XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX XXXX 30 Days Late Reported on XX/XX/XXXX I spoke with a customer service representative with this company and was told I would be on a payment plan and that there will not be any late payments reported a month before and during the pandemic of XXXX.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Balance : {$680.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Bank XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX : {$1800.00}
Product: Debt collection

A law suit was filed against me for my ex-husbands childcare debt at XXXX XXXX XXXX in XXXX, Washington. He left a {$5100.00} debt unpaid in XXXX of XXXX, we were legally divorced XXXX XXXX. When we separate in XX/XX/XXXXwe each had our own contract with XXXX and we both continued to use the daycare. I continued to pay my portion, he did not. 
The debt was bought by Automated Accounts Collection agency, I informed them it was not my debt. They started legal proceeding in XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXwe had hearings scheduled ( I attended each one with my attorney ; one AA rep did not show ). At the XX/XX/XXXX, hearing the Attorney stated he was going to see why XXXX never pursued my ex-husband. We explained then to the attorney we were determined to go to trial if needed to fight this. There were no further court hearings, notices, or requests from Automated Accounts ( not even monthly statements of the account ) to me or my attorney. 
I notice my paycheck was greatly reduced on XX/XX/XXXX, stating a writ of garnishment. I was not even notified of a hearing prior to prove my case that it was not my debt. After this discovery and talking with HR/finance dept, I tried to research what had happened. Automated Accounts scheduled a hearing XX/XX/XXXX ; they did not notify me or my attorney of it and moved quickly on a garnishment. Now they state the debt is {$7100.00}. 
I still hope to have my day in court and get this resolved.
Product: Credit reporting or other personal consumer reports

My previous method of verification request on XX/XX/year> was ignored and I was sent dispute results ( letter attached for reference ) dated XX/XX/year> that state VERIFIED AND UPDATED. However, the method of verification information was not given upon request.Which is a violation of my rights. 

PLEASE SEE ATTACHED LETTER FOR FULL COMPLAINT DETAILS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with with the Fair Credit Reporting Act XXXX networks Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have a 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.
Product: Credit card

I received an email on XX/XX/year> stating there is an account change and I would be paying monthly service fees. I called the number provided in the email and canceled the card immediately. The next day a monthly fee was charged. I waited until the end of the billing period and ultimately paid the fee as to not receive any late penalties. I then called and again closed the card on XX/XX/year> at XXXXXXXX XXXX. I was told the fee would be reversed and the account would be closed. It's not XX/XX/XXXX and neither of those events have occurred. I could call a third time but at this point, I don't think it matters how many times I contact them to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit bureau is required to respond and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. I faxed a dispute request to XXXX  and Transunion on XX/XX/2018 and have not received any correspondence from them regarding my disputes, Due to the failure of Transunion and XXXX  's failure to respond the negative items that I have sent confirmed fax on XX/XX/18 must be deleted.
Product: Mortgage

Our loan originally with XXXX XXXX  was sold to PNC. XXXX paid our homeowners insurance in error as part of a bulk payment to XXXX XXXX XXXX XXXX XXXX Before XXXX made this error, we had already paid our insurance policy separately on XX/XX/XXXX. 2020. XXXX 's error resulted in a double insurance payment for 2020 with XXXX asking us to ask the insurance company to refund XXXX 's money. 

However, just after this double payment, the error was transferred over to PNC Bank, rather than being resolved when our mortgage was sold in XX/XX/2020. Instead of a resolution, XXXX and PNC created an escrow on the account for their incorrect insurance payment. My wife and I have spent hours calling all three parties ( insurance company, XXXX, and PNC ) and emailed PNC numerous times to ask them to remove the escrow from our account. We have emailed proof of the error ( email from XXXX ), plus a Credit Card Statement as supporting evidence to show that payment had been made twice and there should not be an escrow. After months of this process between the three entities, PNC still refuses to remove the escrow from our account. Now, essentially the escrow is asking for a third payment for the insurance. 

We pay a fixed amount each month which includes a additional principal payment. When the banks added the inaccurate/unnecessary escrow to our account, it reduces the additional principal payment and increases the net interest collected by PNC. Again, instead of the banks correcting their error, they merely added a second error and pass the issue between various departments and never answer or address the issue of correcting the error and eliminating the escrow. PNC is not taking accountability for their errors and are not responding to consumer outreach. 

Any help you can provide will be greatly appreciated. thank you, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/25 I SENT A LETTERS TO MY CREDIT REPORTING BUREAUS INFORMING THEM THAT I SAW MY CREDIT REPORT AND THAT THERE WAS OBSOLETE AND INACCURATE INFORMATION ON MY CREDIT REPORTS THAT WERE HURTING MY ABILITY TO APPLY FOR CREDIT. ITS BEEN 30 DAYS AND MORE AND I HAVE YET TO RECEIVE ANY RESPONSE FROM THEM. I'VE TRIED TO CONTACT THEM BY MAIL AND PHONE AND HAD NOT SUCCESS. BELOW WILL BE THE ACCOUNTS THAT ARE NOT MINE AND I HAVE NOT SEEN AND PROOF TO SHOW THAT THE INFORMATION IS CORRECT. 

XXXX. XXXX XXXX XXXX ACNT # : XXXX {$11000.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX NO BALANCE REPORTED XXXX. XXXX XXXX XXXX XXXX  ACCNR # : XXXX {$15000.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX {$4700.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX {$2000.00} XXXX. XXXX XXXX XXXX XXXX # : XXXX {$11.00}, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Transunion a letter asking what method was used to retrieve a bankruptcy they are reporting on my credit report. They responded with a letter stating that this was verified via XXXX XXXX. I went directly to XXXX to verify the bankruptcy in question and XXXX XXXX advised that they received the information furnished to Transunion from the courts. I then went to the courts and they advised via a letter that not only is it illegal to provide the information to third parties, but they did not provide this information as well. I gave this letter to XXXX XXXX and they promptly removed the invalid bankruptcy from my consumer report. 

I then went back to TransUnion on XX/XX/2021 and sent a letter requesting a that they either provide me with proper proof of investigation of this alleged bankruptcy or to delete it as the third party that was used to collect this information has determined that it is invalid and can not be verified and, therefore deleted. With that demand letter, I also enclosed a copy of the letter from Transunion 's third party data furnisher, XXXX XXXX, acknowledging this information is incorrect and invalid and has been deleted. 

Not only did they take a longer time than the 30 days allotted to reinvestigate the inaccurate information, but Transunion has also refused to verify how the item was verified. This is a FCRA violation. 

Transunion has violated many FCRA rules and my rights by blatantly refusing to delete this item that has been shown as inaccurate and refusing to advise me of how they verified this information while it was in dispute. This alleged bankruptcy is affecting my ability to take care of myself and my family during this pandemic and costing me additional monies in fees and interest. 

Per FCRA, this item needs to be deleted from my credit report if it can not be verified as it is a violation to report inaccurate, incomplete or invalid information.
Product: Debt collection

I received a voice mail this morning that requested I contact the following number ( XXXX ) XXXX ( File # XXXX ) regarding a summons that I failed to respond to. However, I never received a summons. I called the number and spoke to an individual ( XXXX XXXX ) who indicated they represented a firm by the name of XXXX XXXX. They transferred me to a guy who indicated that I failed to pay $ XXXX Chase Credit Card balance. Ive never had any Chase account of any type. I told this guy that, and he responded caustically, and abruptly indicated that he would see me in court. I thoroughly believe these individuals were Phishing. I never gave or provided them any information. Also..Ive never received any correspondence from Chase indicating that this debt was owed. Your assistance is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, Credit Collection Service, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify accurate information these accounts must be removed in accordance to the law.