23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage is with NewRez LLC handled by Shellpoint Mortgage Servicing LLC. and I was in COVID19 Forbearance plan. However, the process of getting out of the forbearance and starting paying my new modified loan was all but a disaster. Starting XX/XX/2021 I was in talk/email with a Shellpoint contact person and when it comes time for me to sign documents, they keep sending the wrong/misspelled documents over and over again. When all that happened they didn't push my payment starting date, which was scheduled to start in XX/XX/2021. And when my mortgage payment due date passed they reported it to credit agencies as I missed all payments during the COVID19 Forbearance plan, this is despite my payment of a newly calculated modified monthly payment on XX/XX/XXXX. Now, all the promises that the government gave to a homeowner like me have become lies. my XXXX XXXX got to the lowest point itever been and the psychological impact was putting a toll on me. 

I did everything that NewRez/Shellpoint Mortgage Servicing LLC asked me to do. I tried to avoid getting into this kind of situation, speeding hours and hours on the phone just to get one representative to give you a false assurance that everything will be fine. Shellpoint Mortgage Servicing LLC messed up my document. They sent wrong papers for me to sign four times. With this out of my control situation I got a XXXX XXXX hit which is almost hard to overcome. 

Please, please... I need someone to help me on what to do in this situation.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 
Attached official police report, FTC Report and ID.
Product: Payday loan, title loan, or personal loan

tried contacting this collection company as they are reporting a bad/negative report on my credit profile and keeping me from obtaining other loans and continuing to damage my credit profile and reputation, they have failed to provide me a copy of the loan agreement, original balance, or anything bearing my signature that substantiates I am responsible for this account. i disputed this negative report through the other credit bureaus and came back as validated but no reason or documentation stating i signed for the loan. they are reporting on my credit report, they have the legal responsibility to validate upon request an account in question, and have failed to provide me with the documentation necessary for me to actually validate and/or dispute this account. i have exhausted all my options in order to resolve this negative report but im not getting nowhere. CFPB please help me get this negative report from my credit as i am trying to build my credit for the future of my family. this is clearly a result of identity theft but Ad Astra Recovery Inc validated it as a valid debt and requires me to pay the amount or will not be remove from my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed my credit card account on XXXX XXXX XXXX and reported my account as on time in XXXX and XXXX of XXXX, but are saying they closed my account XX/XX/XXXX and said I was 30 days late on payments as of XX/XX/XXXX. They are reporting information on a closed account without my permission. Its closed and Im still being charged interest. To resolve this issue, I have paid the remaining balance as of XX/XX/XXXX, but Im requesting all negative remarks be removed from all 3 credit agencies immediately for incorrect information on my credit report causing my credit to decrease by XXXX points.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate late payment information on my credit report for the following account : [ Late Payments XXXX XXXX ], [ XXXX ]. The late payment ( s ) reported are incorrect, and I believe the information is incomplete and inaccurate. I request a full investigation to verify that the account is reported correctly, including the payment history, dates, and balances. I also request proof of the alleged late payments, including statements and payment transaction records from the creditor that would show the payments were not made on time. If such proof can not be provided, I ask that my payment history be updated to Paid As Agreed, Never Late ( PAANL ) status, as required by consumer laws
Product: Debt collection

All of the following companies made collections for an account that isnt owed by me : XXXX Amshercollectionservices Creditor : XXXX Amount : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry date is from XX/XX/2021 its from navy fcu and i have another one same company for XX/XX/XXXX i recall running my name for XX/XX/2021 however i do not recognize the other two please block and remove from my credit report i tried everything to get this off i called the credit bureau and the bank it came from please remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a car and the car dealership said it would only be their one lender and I recieved notification that multiple inquires were added to my consumer report without my authorization. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, I initiated a loan payoff for 3 accounts through offer I received from my XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX and XXXX rec 'd their wire transfers. Sallie Mae, online showed no payment made. On XX/XX/XXXX I called and they said they sent wire transfer of {$7500.00} back, even though my name and cust #  was referenced. They then gave me a physical address in XXXX XXXX and insisted that a paper check had to be sent there. On XX/XX/XXXX, XXXX XXXX XXXX  mailed it out. On XXXX I made calls again as Sallie Mae online showed no payment and now has increased what I owe by approx {$88.00} interest. Sallie Mae said that they do not receive payments in XXXX, had no idea why I was given that address, didn't know where the ck was and that a paper check had to be mailed to XXXX. So I told XXXX XXXX XXXX XXXX that and gave them address in XXXX that I was given, which I had checked and double-checked while I was on the phone w Sallie Mae. XXXX stopped payment on the first check. Today, XX/XX/2020, Sallie Mae called me and asked me to read the front and back of the check to them, a check that I have never been in possession of! I told them a new ck was being sent to PA. I checked the address with them and they then gave me a different zipcode extension number! Hopefully it is applied correctly. Sallie Mae is every time I call in talking to me as if I have a student loan even though every time I tell them it is a personal loan, give my loan #, plus the phone tree requires you to denote if you are calling about a personal or student loan. Over a month has passed and they now expect me to pay {$88.00} in interest. I am now paying interest to two different institutions on the same funds. I will call them and ask for a refund of one months interest. My email is : XXXX XXXX XXXX Thank you.
Product: Debt collection

There has been a collection of {$770.00} on my credit report since XX/XX/XXXX from I C System. I have disputed this collection several times, only to get the results that it can not be removed because it is verified to be mine by I C System. The last dispute number I did on XXXX  is # XXXX. On today, XX/XX/XXXX, I contacted I C System at phone number XXXX and was connected with an agent by the name of Ms. XXXX XXXX, badge number XXXX, to try to see what the collection was on my account. She stated that she could not locate the account with my name, phone number, or address. I asked if she could contact a supervisor to aid her with finding the account. Ms. XXXX XXXX, badge number XXXX, was the supervisor on call. Ms. XXXX searched for my account as well. They both looked at every person who has my name in XXXX  and were not able to find the account that they are reporting. The last time that I C System reported to the credit bureaus ( XXXX  and XXXX  XXXX was Sunday, XX/XX/XXXX. After being on the phone for 44 minutes, the agent and supervisor could not verify any account in their system connected to me. I am filing a complaint because I asked the supervisor, Ms. XXXX if she could send out a letter verifying my association to this account and debt, she said that she could not do that because she does not see an account/ debt linked to my name, phone number, or address.
Product: Credit reporting

EXPERIAN CREDIT REPORTING AGENCY WILL NOT REMOVE INFORMATION THAT IS TOO OLD TO BE ON FILE. I HAVE DISPUTED RECENTLY AND THEY HAVE REFUSED TO REMOVE IT
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate inquiries on my personal credit report. These inquiries are related to business accounts and should not appear on a personal credit report. Despite two prior written disputes to XXXX, Equifax, and XXXX on XX/XX/year>, and XX/XX/year>, the errors have not been resolved. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to maintain the maximum possible accuracy of reports and to reinvestigate disputes within 30 days. XXXX, Equifax, and XXXX have failed to comply with the following provisions : 15 U.S.C. 1681e ( b ) : Procedures to ensure accuracy were not followed.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : The disputes were not properly reinvestigated.

15 U.S.C. 1681i ( a ) ( 4 ) : Relevant information was not reviewed during reinvestigation.

15 U.S.C. 1681n ( a ) ( 1 ) ( B ) : This failure constitutes willful noncompliance, entitling me to statutory damages of up to {$1000.00} per violation.

I request that the inaccurate inquiries be immediately removed, a corrected credit report be provided, and assurances be given that future inquiries will be properly verified. 

XXXX, Equifax, and XXXX have had sufficient time to resolve this matter. Their continued failure to act has forced me to escalate this issue to the CFPB.
Product: Credit reporting or other personal consumer reports

Hi, Please see attached necessary information in order to show I have not applied for a loan or created any account under my name and personal information. My personal information has been stolen and loans have been applied in my name. I am not liable for the loan, and that this inquiry will be removed from my credit report. My DOB is XXXX. My address is XXXX XXXX XXXX XXXX XXXX, TN XXXX. I will not disclose XXXX via email but if that is required please call me at XXXX. 

XXXX XXXX included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/year> and XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Police Report # : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Police Report # XXXX
Product: Debt collection

CollectionOrChargeOff Account Number XXXX Creditor Type CollectionServices Account Description JointContractualLiability Creditor Remarks PLACED FOR COLLECTION High Balance {$970.00} Payment Amount {$970.00} Past Due Amount N/A Payment Frequency N/A Last Payment N/A Term Length N/A Date Opened XXXX Closed Date N/A Date of Last Activity XXXX Date of Last Activity XXXX This isnt my account i need this remolved please.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 i sent a letter regarding inaccurate information and unknown things on my credit report to this day XXXX  days later i havent recieved a response yet. I feel like Im being taken advantage of and my disputes are being ignored. Section 611 ( a ) says failure to investigate within XXXX  days gives reason to immediately remove those items. I demand these accounts be removed immediately. My info was also compromised during the XXXX breach.
Product: Money transfer, virtual currency, or money service

I made a online transfer from my Chase checking account to my XXXX  XXXX XXXX checking account on XXXX XX/XX/2021, the amount is {$5000.00}. I used the transfer type is Chase 's " real time '' transfer. On Chase website, Chase comment " Limited to {$5000.00} per transfer ; Future-dated transfer are coming soon ; ... '' and " The money will usually be available in your external account a few moments after you send it ''. After over 20hours, this transfer did not complete! I checked my Chase account, this transfer was still " pending '' .This is not the first time I did the transfer from Chase account to my XXXX  account, the account No. is right. I do not know what happened, but I know this is not same as Chase said " the money will be available ... a few moments '' and this is not " real time '' transfer! 


Thank you for your attention and time Best Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

During XX/XX/year>, I faced a severe mental health crisis caused by the impacts of XXXX, requiring me to enter treatment on XX/XX/year>, for 30 days. During this period, I was unable to manage my financial obligations or contact Harley Davidson Credit to request forbearance or other assistance. 

Despite these extraordinary circumstances, Harley Davidson Credit reported a late payment for this period, which has significantly impacted my credit. Reporting this late payment under these conditions does not reflect my overall creditworthiness and fails to account for the unprecedented nature of my situation. 

I respectfully request that Harley Davidson Credit and XXXX investigate this matter and remove the late payment from my credit report. I believe this reporting is unfair and disputable under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I am happy to provide additional information if needed. 

Sincerely,
Product: Mortgage

DiTech Mortgage ( formerly Greentree ) held my mortgage on a house I owned in XXXX XXXX, NJ from XX/XX/XXXX to XX/XX/XXXX. Two issues that have STILL NOT been fixed by them despite repeated promises to do so : They still owe me over {$7200.00} in escrow overpayment/refund. I have called them two or three times every month since XX/XX/XXXX and STILL do not have the money. I have lost interest on that money, have been unable to pay my daughter 's tuition bill with some of it and, quite simply, it is MY money. 
They falsely reported to the credit bureau companies that I missed or was late on payments 9 times when they held my mortgage. It has been proven to them repeatedly that they are wrong. I never missed a payment, was always on time and usually EARLY.
Product: Credit card

On XX/XX/year> my banking accounts were hacked. Funds were transferred between accounts in an effort to withdraw from my checking account. {$7700.00} was charged to my overdraft protection card ( credit card ). I immediately called the bank when I figured out what was happening. They blocked the accounts from use while I was on the phone and stopped the transferred funds from being withdrawn. Apparently, the funds from the credit card were transferred to my checking account ( which I had NO ACCESS to as all accounts were blocked when I reported the issue. I have asked the bank to review the phone call I made on XX/XX/XXXX as the hacking was occurring to ascertain that I was unable to access any funds on my account as I reported the theft. 

The bank has acknowledged that the funds withdrawn on the credit card were a result of unauthorized use. The bank contends that I am still responsible for those funds because the bank was unable to locate those funds when they tried to reverse the transaction. Essentially, the funds disappeared from my checking account while I had no access to it and they are counting me responsible for that. 

I have contacted Wells Fargo repeatedly and have received the same answer from them each time. I am responsible for funds that I had no access to. My inability to access the accounts due to the banks blocking measures aligns with my claim that I am not responsible for the funds ' disappearance.
Product: Credit card or prepaid card

I opened a Barclay Wyndham Rewards Earner Plus Card in early May with a welcome bonus of XXXX Wyndham Rewards Points after spending {$1000.00}. As of XX/XX/2023, I had spent {$1600.00} which is well above the {$1000.00} required to earn the bonus. Sadly, only the XXXX reward points earned through spending were transferred to my Wyndham account, not the XXXX bonus points. 

I contacted Barclays customer support via phone about the issue shortly after the statement was generated and they told me to wait upto five weeks citing those terms but they did not read the portion above that where it said that the bonus would be reflected in my Barclays account on the billing statement made after I qualified to earn the bonus.

" The bonus points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus points to be deposited into your Wyndham Rewards account. '' from the FAQ on the bonus and reward earn. 

I downloaded the PDF statement for XX/XX/XXXX, after I had made the charges to qualify for the bonus and only see the XXXX points, excluding the extra XXXX I am entitled to. PDF is attached, along with FAQ page. 

Barclay is not honoring the terms of the promotion and awarding the points as needed. Customer Service either does not understand the issue or are unwilling/unable to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My employer performed a background check via the company XXXX during XX/XX/2023. XXXX incorrectly flagged a XXXX in my criminal history, presumably due to XXXX court records for someone with the same name. When I submitted a dispute with their support team, they responded that they'd " confirmed the accuracy of their report ''. I followed up requesting assistance for further dispute and how to provide evidence that the criminal history was not mine, they did not respond. They also did not respond to my followup email. I attempted multiple times to contact their support team via phone, but was left on hold for 3 hours before being automatically disconnected.
Product: Payday loan, title loan, or personal loan

This is my third PAY DAY loan with Advance America in XXXX, IN. On Tuesday, XX/XX/2019 I went to take a PAY DAY loan in the amount of {$600.00}. The agent that signed the attached loan agreement, stated my repayment date was XX/XX/XXXX. The assistant manager, XXXX, stepped up and stated that wasn't true. The loan was due in 14 days which would be XX/XX/XXXX. The rep that was assisting me stated, " If that's the way you do it, OK. '' I then challenged the assistant manager. I stated what you are doing is unethical. It's called a PAYDAY loan, not a 14-day loan. She tried to explain how that works, then called the store manager to get his approval to proceed. I asked her if you're not doing any illegal, why do you have to get the store manager 's approval. What this site is doing is they tell you if you don't pay it on the date they have given you ( NOT THE PAYDAY LOAN DATE ), it will cause unpleasantries for you. Your name will be submitted to the database in Indiana, which won't allow you to get any other loans, and you won't be able to write a check. " SCARE TACTICS! '' Then XXXX explained to me you can pay it, and turn around and get it right back the same day that you pay it. In essence, in a month 's period you are paying a {$150.00} finance charge, versus a {$77.00} finance charge, depending on the day that you obtained the loan. Advance America is lending unethically.
Product: Credit reporting or other personal consumer reports

Please delete all XXXX inquiries I did not authorize any of them myself please remove immediately. This is in violation of my rights under the FTC.FCRA. U.S.Code 1692 ( f ) ( a ) ( g ) ( e ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report with the ftc as well as a police report. I took said reports and filed them with all three credit bureaus to have fraudulent accounts removed from my credit report. XXXX  has already removed the fraudulent information but Equifax has out right refused to do so stating that their policy is to violate the law and open an investigation instead of removing the information within four days as required. They are also stating that my information on the report doesnt match the identification I provided, which it is a perfect match. 

The accounts in question are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX & XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter and you also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score keeps dropping even after all 10 inquiries were removed after being on my report for 2 years. I pay my creditors on time, in full every month. My score should be in the high XXXX 's. 
Thank You Kindly!