23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To : CFPB From : XXXX XXXX Re : Shellpoint mortgage not honing pour modification on new porched loan & not allowing payments to be made having reps steer owner into short selling property at discount A. My property was under modification under the previous lender named XXXX XXXX XXXX. When Shellpoint Mortgage become the new lender, they did not honor the old agreement ( loan modification ) that was set in place by previous lender. 
B. Once Shellpoint Mortgage took over the property loan an additional letter was received with an incorrect amount owed and updated terms which stated that I had 30 days to notify them if anything was wrong with the information documented regarding my account. I responded to Shellpoint Mortgage via certified mail that the balance that was incorrect and that my loan was modified days before they obtained the loan. I also notified Shellpoint that the loan should reflect a different balance with the past due payments being placed on the end of the loan per the loan modification program.

C. I contacted Shellpoint Mortgage and they made the change on the amount of the loan but told me to wait on the paperwork regarding the loan modification program, I could not make a payment until this was updated which could take up to 60 or 90 days.

D. After I waited 90 days ; they told me my mortgage wasnt under the loan modification program and the balance needs to be paid in full of the old lender ( XXXX XXXX XXXX ) as well as additional fees. 
E. Shellpoint Mortgage refused to refinance the current loan/mortgage and shared they will send paperwork out to start a short sale of the property. 
F. What happen next ; while I was under the loan modification they took the liberty to put late payments on my credit report in a deliberate attempt to stop me from looking at other lenders to keep my property while not honoring the agreement and putting false information on my credit report. 
G. What I would like to take place is for Shellpoint Mortgage to remove all negative information from my credit reports while this matter is under investigation because this is negatively impacting my lively hood and ability to seek additional financial assistance to rectify the past due balances on my mortgage. Shellpoint Mortgage failed to follow the Fair Debt Credit Act and their reporting practices needs to be investigated further. 
H. Lastly, I would also like for them to comply with the original loan modification agreement filed with XXXX XXXX XXXX before the mortgage was sold to Shellpoint Mortgage.
Product: Checking or savings account

There was a unauthorized atm transaction in the amount of {$300.00} that took place on XX/XX/year> and I got the notice from chase and they denied my claim and gave me no reason. Please help me to get my funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXX, Account XXXX  XXXX  XXXX XXXX - XXXX, XXXX XXXX XXXX- XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 an account without my written instructions.
Product: Mortgage

the outstanding balance on the loan has been paid, This is to instruct you to cancel any homeowners insurance any flood insurance and do not make any attempt to make any payments on this property including real estate taxes or any type of insurance
Product: Credit reporting or other personal consumer reports

I can not accept the presence of public records on my credit report. It is causing significant XXXX  and XXXX and I implore you to remove them without delay.
Product: Debt collection

I am in the process of buying a home. I learned that there was an alleged debt owed to Capital One being pursued by a collection agency named XXXX XXXX XXXX XXXX and XXXX. This was a surprise because I am confident I paid the debt in 2020. At that time I settled a couple of delinquent accounts with credit card companies and medical bills. It is my recollection that XXXX XXXX XXXX first contacted me about this debt and subsequently XXXX XXXX began collection efforts on behalf of this debt. Because of the time that has passed, I contain locate the records. Therefore, I contacted XXXX to get information. I also contacted Capital One. Neither entity has responded. I provided the CFPB a copy of that letter. I believe the parties have failed to verify this debt because it was in fact paid to one of the collection agencies but my account was not credited. Moreover, I believe this debt may be time barred pursuant to the statute of limitations. I believe my recollection of the events is correct because for a period of time after 2020 this debt did not appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/2016 XXXX XXXX XXXX I was told that credit does n't matter good or bad, and the lease of the Vehicle would n't effect my credit. I was never informed that a hard or soft inquiry would be done. 

This vehicle was leased from Uber to drive Uber. I was told it would not effect my credit in any way positive or negative.
Product: Credit reporting or other personal consumer reports

I am requesting the removal of inaccurate addresses from my credit report. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived here ) ]. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, more benefit from any of the following inquiries. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with experian and XXXX to remove a account that is falsely being reported on my credit file, the account has wrong inaccurate information reporting and they refuse to remove it. It has been over 30 days and i have yet to hear back from these companies
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently asked my cousin to take me off as an authorized user on his American Express card. All was fine until I recently got an update on my credit karma showing creditor companies saying I am still on the account. I called American Express as Did my cousin and American Express had told us I am no longer on the account. I just need this updated as soon as possible to help fix up my credit and make it accurate.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding a charged-off loan with XXXX XXXX . The loan is currently being reported on my credit report as charged off and written off as profit loss, which is negatively impacting my credit score. 

I contacted XXXX XXXX to request a 1099-C form, as the loan appears to have been forgiven or written off. However, despite my request, they refused to provide this form. Without a 1099-C, I am concerned that the charged-off account is being inaccurately reported on my credit report, especially since it should no longer be showing as an active debt if it has been canceled or forgiven. 

The current reported balance on the loan is {$12000.00}, and it is listed as a charged-off account. This loan is impacting my credit score and financial situation. I believe there is an error in the reporting, and I am seeking assistance in resolving this matter and having the incorrect information removed from my credit report. 

Actions Taken : Date of request : I contacted XXXX XXXX on XX/XX/year> and requested the 1099-C form. 
Outcome of request : They refused to provide the form and did not provide any further clarification on the status of the loan. 
Credit report status : The loan is currently showing as charged off on my credit report as of XX/XX/year>. 

I respectfully request that the CFPB assist in resolving this issue by investigating the inaccurate reporting of this loan on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tx XXXX XXXX XXXX XXXX Subject XXXX Dispute of Incorrect Credit Report XXXX Dear CFPB XXXX am writing to formally dispute the inaccurate information listed on my XXXX credit report. The account in question is : XXXX XXXX : XXXX XXXX XXXX. 

This account is inaccurately reported on my credit file. According to the Fair Credit Reporting Act ( FCRA ), negative information, such as this closed account, should not remain on a credit report for longer than XXXX years. This account was opened on XX/XX/year>, and its term of 66 months ended well before the seven-year reporting window expired. Therefore, this account should no longer appear on my credit report. 

I respectfully request that this account be investigated and removed from my credit report immediately. Attached are supporting documents to assist with your investigation : 1. A copy of my credit report highlighting the account in question. 

Please respond to this dispute within XXXX  days, as required by the FCRA, and confirm the removal of this inaccurate information. I appreciate your prompt attention to this matter. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Self and inquired about when the statement closing date was, so that I could pay off my card before they report to the credit bureaus. I was told that the date was the last day of every month. 

I paid my account in full for {$460.00} on XX/XX/XXXX using a ACH debit from my bank account. Self took the money out of my account but the amount has never been applied to my account.

When I reached the company this afternoon, they gave me the wrong date on when I paid my bill and when I finally reached a customer service person after a two hour wait, said the customer service rep said it would be another week. Previously payments have been posted within a day, two at the longest.

I have tried to email the company 3 times but no one has replied to give me any answers. They have disabled their live chat feature. A request to speak to a supervisor has gone unanswered, citing " they're working from home. '' I want my payment in full posted to my account and my credit report updated accordingly.
Product: Mortgage

Ditech charged my account {$200.00}, {$250.00} and {$0.00} in XXXX 2015. At this time, my account was current and paid ahead through part of XXXX payment was not yet due. Theses charges have inflated my payments and were added to my payments without my knowledge. They have charged multiple inspection fees while the only charges due were the ones in dispute XXXX attorney fees of {$450.00} incurred when CURRENT ). 
On XXXX XXXX, 2015 at XXXX via tracking number XXXX, Ditech received payment of {$5100.00} which paid through part of XXXX 2015. On XXXX XXXX, Dietch charged these fraudulent fees.
Product: Credit reporting or other personal consumer reports

I initially sent a letter to Transunion dated XX/XX/year>. They received it XX/XX/year>, confirmed by certified receipt. This was a letter requesting validation of some items I saw on my credit report that were being reported inaccurately and are harming my credit file. They then responded with a letter dated XX/XX/year> which stated that my letter " didn't appear that [ I ] or a properly authorized third party sent it to [ them ]. '' They stated, " If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us ... .If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. '' Since I am not working with a credit repair company and am seeking validation on my own I decided to call Transunion and settle this confusion. After 45 minutes on hold and 2 dropped calls, I was able to reach an agent who informed me that all I had to do was resend the letter and attach my ID and a current bill. I explained to her that I had already sent all that in with my initial letter, regardless, she asked me to send everything again. I think there would be more for me to do or answer security questions but no. She strictly requested for me to send my letter and documents again. I sent in my documents a second time on XX/XX/year> and I received the same letter as the first one on XX/XX/year>. The letter is asking and inquiring about the same thing. I am extremely frusturated because credit is something I take seriously as I am trying to purchase a house soon and these inaccuracies are not helping. Not to mention the {$20.00} i'm spending on each piece of mail just for them to tell me the same thing. I refuse to submit my disputes online as I lose the tracking and time outlined by the FCRA and FDCRA.
Product: Checking or savings account

Bank of America keeps reporting me to XXXX XXXX XXXX  for fraudulence. Because of this I have not been able to open a bank account with them or any other bank. I have disputed these allegations by writing a letter 3 or 4 times directly with XXXX XXXX services to no avail. This is causing me so much hardship. While the fraudulence is true, I have not at all committed this. I sent a police report and wrote everything I encountered ( by disputing ) when this matter happened. Even tried to show screenshots of my encounters to let them know what I was disputing is true. I can not wait 5 years for XXXX XXXX to fall off my consumer report when I was not the person who committed the crime. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX XX/XX/2022.
Product: Debt collection

On XXXX I received a text message from PFC collections stating I owe them {$100.00} in an attempt to collect a debt. I have never done business with this company and have no knowledge of owing any company {$100.00}. I called XXXX on XXXX and spoke to XXXX, gave the account number and asked for a debt validation letter to be sent, he refused and disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$5400.00}, XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, S

ection 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- REAL ESTATE LAON 2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my credit reporting agency that I have negative reporting on my credit report dated for the month of  XX/XX/XXXX   XX/XX/XXXX  and XX/XX/XXXX  from   XXXX   XXXX   XXXX   it showed that i had missed payments / late payment made on my account and it was reported to the credit reporting agencies showing an negative impact on my credit I have contacted   XXXX   XXXX   XXXX   on numerous occasions trying to get this problem resolved on my credit report I have finally sent them copies of thier own records showing my payment were made on time but they have not yet responded back or reported my payments were made on time i have been corresponding back and forth with   XXXX   XXXX   XXXX   but they just keep giving me the rum around over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two fraudulent accounts and three inquiries On my credit report. 
Accounts XXXX. XXXX {$420.00} XXXX. XXXX XXXX {$650.00} Inquiries XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having identity theft on my credit reports I been disputing them. N telling them I want original contract and that it's fraud and it doesn't take it off it says accurate when it's not. I didn't even have that address it says I lived at and it still won't take it off. 

Also I had a freeze on my credit yet it kept putting stuff that I didn't do on my report even inquiries pls help me
Product: Debt collection

Being a victim of identity theft has been such a traumatic me feeling experience that left me feeling violated and vulnerable. I have suffered greatly. I found out that somebody used my personal information and used it to open credit cards take out loans, and make fraudulent purchases, leaving me with significant amount of debt that Id didnt incur. Its frustrating and overwhelming to deal with the aftermath. I look forward to resolving the issue and restoring my credit with the help of the FTC. This accounts for the result of a person or company using my personal information without my consent to obtain goods and services fraudulently and I have not benefited from any of it.I demand this account be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts are still open and they haven't reported back
Product: Credit reporting or other personal consumer reports

On several occasions, I have asked XXXX, Transunion and XXXX to delete a bankruptcy account that was added to my credit profile in error. 

XXXX XXXX XXXX Case type : XXXX XXXX : XXXX Asset : No Vol : v Chief Judge : XXXX XXXX Date filed XXXX XX/XX/year> Date of last filing : XX/XX/year> Date terminated : XX/XX/year> I have reached out to the court. And I was informed that they do not share this information with the credit reporting agencies. I then reached out to XXXX and they informed me that the record would be deleted from my consumer report. Once I gathered this information and informed the credit reporting agencies, they stated that they researched the information. Which is not good enough. According to consumer law under 15 usc 1681i, all accounts must be verified for accuracy. In this case, it was stated both by the bankruptcy court and XXXX that proper verification was not done.
Product: Student loan

Account : XXXX I have a loan with XXXX which I presumed closed and paid in full in XX/XX/XXXX but I come to find out whilst filing my taxes this year that it is still open with a balance of {$770.00} with an extended due date of XX/XX/XXXX. When I made a lump sum payment of {$58000.00} on XX/XX/XXXX, at the time I assumed my loan was paid in full because this was the total amount and even if it wan'ts in full, I would not assumed that Nelnet would automatically EXTEND my due date so that I can unknowingly continue to pay interest until XX/XX/XXXX. Customer service informed me that I paid off the principle balance but neglected the interest, if I would of known I would off paid it off the following month when my statement comes but since they automatically extended the due date, I wouldn't have known unless I received an email stating that my tax documents was ready- which I usually ignore since I know that I paid off the loan in XX/XX/XXXX thus nothing to report on. 

This automatic due date extension is extremely deceptive. You can pay off your total amount due ( or what you presume is due ) but since interest is compounded daily, you actually wouldn't of pay in full unless you call and get the actual total for that day. I never consented to this automatic due date extension. My intentions when I paid $ XXXX in XX/XX/XXXXwas to pay off the total, not to have a lingering amount to help Nelnet accrue interest off me.