23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2019 I requested a loan payoff from Shellpoint Mortgage Servicing beacuse I had been approved for a refinance with XXXX XXXX XXXX XXXX. I was then told I could go online and request a payoff letter after logging into my account. I tried several times to get the payoff from their website, but I kept getting a message stating " We are having trouble submitting the formal payoff requested. Please try again in a minute or two ''. As of today XX/XX/19, I am still getting this same message. 

My mortgage loan was originally with XXXX XXXX XXXX, but was sold to various servicing companies. Shellpoint Mortgage Servicing is the current company servicing my mortgage loan. 

I have called at least 2-3 times a week requesting to speak with a manager, but I never have because the rep says they are unavailable and will request one to call me within 24 to 48 hours. The representative told me on XX/XX/19 and every time I called afterwards throughXX/XX/19 that I will not be able to get my loan payoff letter until the mortgage rate changes on XX/XX/2019 so they can give an accurate account balance. I asked what was the rate change and when would it become effective.I am trying to lower my interest rate and get a fixed mortgage. She was unable to give me that information as of yesterday XX/XX/19 and she would be sending the loan to the interest rate change department. The rep stated once she reviewed my loan terms, I was scheduled for a rate change every six months, therefore the rate should have changed on XX/XX/19. I stated since Shellpoint hadn't followed the guidelines, why couldn't I get a payoff letter immediately. The rep then stated Shellpoint had until the end of XX/XX/2019 to make the rate change. I explained to Shellpoint I was approved for a refinance and I shouldnt have to wait thirty days for the rate to change before I get a payoff letter, or if the lender could wait that long.The rep stated that this is their procedure and no one could over ride it. 

This practice that Shellpoint is exercising appears to be illegal. I thought the mortgage company would try and help the consumer, not impose additional financial stress on the consumer.I feel I have been treated unfairly and Shellpoint is purposely trying to collect additional money off my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX credit card is listed on my credit report and I am named as an authorized user, however, I do not have a XXXX XXXX XXXX credit card. I called XXXX XXXX XXXX and let them know and they said they would take action to get this removed from my credit report. I also called Experian and they said they would do the same.
Product: Debt collection

The company is threatening me with credit reporting and has referred the account to a debt collector for debt not owed. This is a landlord tenant issue and they are trying to circumvent the proper legal action to collect deposit money not owed if any. They owe me money from my deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus and Perfection Collection alike have stated that the entry of this account on my credit report is verified. I beg to differ. In my most recent credit report ( see attached ), the following errors are present : Two different open dates are reflected : XXXX  reflects XXXX & XXXX reflects XXXX. 
XXXX  reflects terms of 1 month ; however, I have never opened an account nor have I ever signed a contract with this company. 
XXXX reports that there is negative payment history XXXX, XXXX, and XXXX of 2018 ; yet XXXX reports no payment history. 

These inaccuracies alone are grounds for this entry to be removed. The FCRA states that entries reflected on my credit report should be 100 % accurate ; these entries are NOT. Additionally, Perfection NEVER sent a dunning letter to inform me that they were attempting to collect on this alleged debt. By not doing so, this forfeited my right to dispute the validity of this account -- -of which is my consumer right. 

Delete this entry immediately from my credit reports.
Product: Mortgage

This company needs to send me the correct 1099 for the work performed regarding previously filed complaint XXXX. I am not asking for borrowers information ; however, the CORRECT 1099 that i am entitled.
Product: Credit card or prepaid card

AmEx continues to try to collect debts XXXX in XXXX XXXX XXXX in a somewhat backhanded way, which Im not sure is legal. I filed for XXXX XXXX XXXX in XX/XX/2013 and it has finally dropped off my credit report. I was able to continue to use an AmEx Corporate card through my employer but had to jump through some hoops to get my bosss boss to confirm that my employer would be liable for the charges and they limited the line of credit I could use. 

Fast forward to last week when I decided to apply to see if they would issue me a personal card and I got declined. I called and asked if it could be reconsidered due to my circumstances for filing bankruptcy ( a failed furniture store that my ex-wife started with her sister and I was foolishly the only person liable on the AmEx card it was around $ XXXX and my divorce, change of jobs with less pay, etc ) as well as my current credit score of XXXX ( this was the score that AmEx provided via their Web site for my corporate card they include a credit tracker ). I was told that they could not issue me a card and my account still shows a balance of {$40000.00} and if I paid that off, I could reapply but there was no guarantee that I would be approved. And they made it clear that if I did not pay it off, I would not be able to be issued a personal card. 

This seems contrary to bankruptcy laws, or at least the intent of the law that creditors could no longer attempt to collect a debt XXXX in XXXX
Product: Debt collection

Account was charged off with XXXX by original creditor in which somehow WAKEFEILD & ASSOCIATES ILLEGALLY GOT my account information without the consumer consent as the account was satisfied.Furthermore WAKEFIELD & ASSOCIATES FAIL to honor federal law that protects consumers against anyone reporting any account or debt during an active investigation. Violation of 15 USC 1692g ( b ). As well as WAKEFEILD $ & ASSOCIATES reporting inaccurately to XXXX clearly knowing the other XXXX credit reporting agencies, ( XXXX and XXXX ), have took off such false item on my credit report as such account was satisfied. As well as it has been over 30 days since I reported this dispute!
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even afterXX/XX/XXXX It feels like I'm being taken advantage of and my disputes are being ignored. According to XX/XX/XXXXXXXXXX/XX/XXXX, if these items are not investigated within XX/XX/XXXX, they should be promptly removed from my credit report. Since it has been over XX/XX/XXXX, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXXXX/XX/XXXXXXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed a company I had no dealing with. This company XXXX XXXX XXXX XXXX - I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. Please delete this account immediately
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and 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: Checking or savings account

I deposited my paycheck and bank placed a 10 Day hold. I have no history of overdrafts and asked Chase to verify funds to release the hold. They are refusing.
Product: Debt collection

i notice a negative item on my credit report from HEAD MERCANTILE COMPANY ON XX/XX/2020 SAYING I OWE A ALLEGED DEBT OF XXXX. I sent them a complaint letter for this debt which I attached a copy below.I am asking for any assistance in this matter
Product: Credit card or prepaid card

Last week I received an email from Capital One. It said I could check to see if I was pre-approved for a credit card via a " soft inquiry '' that would not affect my credit score or credit report. After applying, I saw that I was pre-approved for a Capital One credit card. It explained that no " hard inquiry '' would be placed upon my credit report. 

Immediately, I received another email from Capital One stating, " We will be in touch very shortly ''. After waiting two days by my phone for a call from Capital One, I called them ( XXXX ) to find out what was happening. They explained that a " hard inquiry '' was put on ALL THREE CREDIT BUREAUS and I was refused a card because they could not ( or didn't even try to ) reach me by phone. 

After talking to a supervisor about this at Capital One, she responded with, " Go to XXXX! '' and hung up on me. This is beyond unprofessional. I spent 84 minutes on the phone trying to resolve this and they hang upon me. I did not call back. 

This is " bad faith '' business practice by Capital One. They have damaged my credit rating with a hard inquiry for the next two years. My credit score has dropped by more than 10 points due to this dishonest, lazy, and incompetent act by Capital One. 

I have a fraud alert on my credit report due to illegal activities last year and my phone number is attached to the alert. They could have easily called and verified my identity but instead mishandled my data, and now my credit report 's status has gone from excellent to good.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against NCB MANAGMENT SERVICES Dear Sir/Madam, I am writing to file a formal complaint against NCB MANAGMENT SERVICES regarding their attempts to collect a purported debt from me as of XX/XX/24. I dispute owing any and all debts to NCB MANAGMENT SERVICES and request your intervention in resolving this matter.

Firstly, I want to emphasize that I am revoking all rights of NCB MANAGMENT SERVICES to communicate with me via email, text, or phone calls regarding this matter. I request that they cease all forms of communication immediately and correspond with me solely via written mail. 

Furthermore, I am requesting validation of the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). [ Collection Agency Name ] has failed to provide any documentation or evidence proving the existence, validity, and ownership of this debt, including but not limited to : 1. The purchase agreement between NCB MANAGMENT SERVICES and the original creditor. 
XXXX. Proof of licensure and bonding as required by law. 
XXXX. Any agreements or contracts that demonstrate my obligation to pay this debt. 

It has come to my attention that NCB MANAGMENT SERVICES has not provided validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on my consumer report. This action is in violation of my rights under the FDCPA.

Additionally, I have not been given the opportunity to dispute the account, as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( * ). NCB MANAGMENT SERVICES actions constitute false, misleading, and deceptive practices, which are clear violations of consumer protection laws.

Furthermore, NCB MANAGMENT SERVICES has no authority to furnish any account to consumer reporting agencies without providing the necessary disclosures required by law, as per 12 CFR 1006.34 ( D ) and 15 USC 1681-S 2 ( XXXX ) ( A ). 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against NCB MANAGMENT SERVICES for their unlawful and unethical practices. 

I really appreciate your attention to this matter and look forward to your prompt response. Thank you. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My credit card is charging extra fees on two cash advances I took and paid back the fees and credit card in full. They charge {$10.00} and additional fees every month when I paid the card in full.
Product: Debt collection

I am a victim of Identity Theft. I never applied for this account. A hacker stole my personal information from the dark net from the XXXX Data Breach.
Product: Mortgage

I applied for mortgage relief options to bring his mortgage current after the temporary forbearance ended. Defendant Specialized Loan Servicing, LLC ( SLS ) offered a forbearance to all FHA HUD mortgage borrowers impacted by COVID 19. 

In XX/XX/XXXX I had a reduction of income as a XXXX XXXX  with XXXX XXXX XXXX, XXXX Additionally, my expenses increased due to his XXXX children being in virtual school as a result of COVID 19. I incurred approximately {$6000.00} in unpaid mortgage payments over 5 months from XXXX to XXXX. No payment was allowed, therefore XXXX applied for mortgage release options around XX/XX/XXXX for a loan modification. 

All loan modification option was denied, and the evaluation notice indicated that the mortgage company could not obtain a collateral position on the deed. Specifically, loan servicer processors intentionally make the process burdensome and give inconsistent directives for documentation for a complete loan modification application. This process is common and positions Defendant Specialized Loan Servicing, LLC ( SLS ) to proceed with foreclosure. I provided all the required documentation timely thats required for Loss-Mitigation Options as set forth in 12 C.F.R. 1024.31, I provided an oral or written request and applied contemporaneously in the mortgage servicer portal for a Loss-Mitigation Option that accompanied by all information required by a servicer for evaluation for a Loss-Mitigation Option. Loss-Mitigation Option means, as set forth in 12 C.F.R. 1024.31, an alternative to foreclosure was not offered by Defendant Specialized Loan Servicing, LLC ( SLS ) to the borrower. 

I WAS DENIED COVID 19 MORTGAGE RELIEF OPTIONS FHA offers COVID-19 Recovery Options to borrowers who are on a COVID-19 Forbearance, or borrowers who did not participate in a COVID-19 Forbearance who were 90 days or more delinquent through the end of the Presidentially Declared COVID-19 National Emergency.

I was denied the COVID-19 Advance Loan Modification ( ALM ) : Available to owner-occupant and non-occupant borrowers, the COVID-19 ALM is a permanent change in one or more terms of a borrowers mortgage that achieves a minimum 25 percent reduction to the borrowers monthly principal & interest ( P & I ) payment and does not require borrower contact. Defendant did not mail the modified mortgage documents to Plaintiff to achieve the required payment reduction. Plaintiff was not afforded to choose to accept the COVID-19 ALM nor sign and return the mortgage modification documents.

After the forbearance period 's completion or expiration, your servicer will review the COVID-19 Recovery Options available to you to resolve the outstanding amounts of the reduced or suspended payments. No COVID-19 Forbearance period may extend beyond six months after the end of the COVID-19 National Emergency or XX/XX/XXXX, whichever is later.
Product: Mortgage

I have my mortgage with Nationstar after XXXX transferred or sold my note to them. 
On XXXX XXXX I called and wanted to know why I am always being charged fees here and there. Always saying Legal Fees. The person on the phone could n't answer me but said he would put in a request. Still waiting. So since then I went into my account to make a payment and I see that I am being charges FEES of over {$1200.00} and my escrow account increased from last month to this month. My analysis was done in XXXX. I have been paying towards a shortage, if anything it should be less! 
So I called to get an explanation of all the changes and charges to my account and No One could answer me. After being transferred 3 times I finally ended up at the Escrow department where a lady named XXXX understood my concern and said she would send a request to look into it! I am truly annoyed with this company and everytime I call, I am speaking with someone out of the country who can not answer my questions! Why are they gouging me with all these fees thinking that I am too stupid to notice!?
Product: Debt collection

XXXX XXXX  XXXX  turned me into fidelity collections for medical bills that where paid by the XXXX that I have through my insurance. XXXX has repeatedly proven to fidelity that this money was paid but wont take it off my credit report because XXXX XXXX  will not respond to Fidelity about this matter.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

There a XXXX fraudulent credit cards that were opened and used without my knowledge over the past few years. I 've filed this report with you people numerous times and you have done nothing. This case is being investigated by the FBI, letter attached. 
I have written numerous letters, made numerous calls, the Private Investigator assigned to not only mine but others in this matter have also exhausted their effortsI keep receiving letters from Bank of The West that they have turned the account to charge off. This is not my debt and they have not once called the FBI to confirmed as other creditors have that have released the debt. 
I have been harassed by a man at Bank of The west by the name of XXXX ( XXXX ) XXXX and he flat out told me I was a thief and this was my debt. 
Bank of the West has been very rude and called me a thief even. How does a consumer that has been issued an FBI 's victims number and pin, l having to register on the FBI 's Victims sight get treated this way????? I want you XXXX the CFPB do FINALLY DO SOMETHINE ABOUT THIS HARRASSMENT. FBI VICTIMS LETTER ATTACHED ALL THREE SHOWING THE CASE IS STILL UNDERACTIVE INVESTIGATION AS THEY HAVE PINPOINTED AT LEAST XXXX VICTIMS. 
THE PROBLEM IS YOU THE CFPB HAVE TAKEN THEIR SIDE AS WELL AND NOT FORCED THEM TO CALL THE FBI TO VERIFY THIS CRIME. THE CARD COMPANIES THAT HAVE RELEASED ME FROM THE DEBT DUE TO FRAUD CALLED THE FBI AN VERIFIED. BANK OF THE WEST SAYS THEY DO NOT HAVE TO. I AM VERY DISSAPPOINTED IN THE CFPB AT THIS TIME AS WELL AS YOU ARE NOT PROTECTING INNOCENT VICTIMS.
Product: Debt collection

Daily phone calls during my work hours from XXXX ( XXXX ) XXXX. Have told them that they have the wrong person and wrong number. I also continue monitoring my XXXX credit reports and I have no debts. I told them to cease and desist and sent them in text that information. The phone number seems associated with Radius Global. I warned them that I was going to report to FTC, who referred me to CFPB website.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whoever May Be In Charge : I am agitated and dismayed that you continue to list ( 2 ) dismissed bankruptcies as confirmed. I have been in correspondence with all 3 ( for over 4 months... I even was lucky enough to have my file assigned to " Special Handling '' with one as soon as I MENTIONED CFPB ) bureaus as well as the US Bankruptcy Court ( who also told me that they could not verify this information nor would they verify, validate, update, or otherwise with any credit bureau ) that is listed on my disputed credit reports. I am well aware that you receive your information from a third-party, whether it be XXXX ( XXXX ) or XXXX XXXX XXXX XXXX  or from XXXX  The system is not always accurate because of the limitations of providing an ENTIRE 9 DIGIT Social Security Number to validate/verify data.

Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act does not mention anywhere in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly reads from " date of adjudication '' or date of " order for relief ''.

''Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have been adjudicated. You have zero right to maintain information which the United States Government has VALIDATED as non-existent.

It is only fair that in accordance with section 1681 ( a ) ( S ) of the FCRA you delete this from my credit report and send me an updated copy. Considering it should not require an investigation whatsoever, I would appreciate your rapid response within 15 days from the date you receive this letter.
Product: Vehicle loan or lease

I Took out a Loan for a XXXX XXXX XXXX car with almost XXXX on it. The car is not in the best shape and is dying due to old age, I refill it with coolant 2x or more a day along with the AWD system not working and disabling. I pay just shy of XXXX XXXX  monthly. When I am done paying for this Loan I will have paid Sensible Auto {$37000.00} on a car that is going to die on me by this coming winter. I am unable to trade it in to get something because of the outrageous balance. The payments are too much to maintain along with trying to fix the issues to keep it running. I am buried in debt and can not afford to have my car repossessed again my credit will never recover and i will never be able to get another car loan. i need to work. I want out of this loan and my down payment back along with this off my credit. Sensible Auto is a shady and predatory company that prays on he less fortunate. I Live in constant fear of my car being taken and the harassing phone calls all day asking for more money. The Balance on the Loan is {$16000.00} and the NADA worth of the car is around {$5000.00} I need out of this car before it dies and I will still owe money on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and filed several disputes online. XXXX and Transunion are reporting my XXXX  card as a closed account. This account is not closed and I am current with my payments. I verified with the creditor that the account is still open and was not reported as a closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card offered a " rate '' to check on their website and claimed it won't affect my credit score. I put in all the information to check the rate. After pressing " check now '' it created a credit card in my name without my approval or consent. 

I have reached out to Discover and they are not willing to close the account and remove the inquiry.