23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was assigned with a point of contact by Shellpoing Mortage / NewreXXXX when I started the Forbearance plan due to the pandemic, and during that time I was given misinformation or no information at all which caused several times to lose my home on a foreclosure, or reported to my credit when I had rights to be on a forbearance like any other customers. The assigned point of contact was never able to be reached over the phone so it was always an email which is also the response time went from a week to several weeks before I can even make important decisions on my mortgage. Many times the response was immediate when I filed a complaint with the CFBP. My basic rights was denied to continue on forbearance when I was out of job struggling to make the payments like any other residents of US. Instead of 10 months timeline they only gave me a 9 months and they still havent answered why they gave me only 10 months, and during this time they sent people through the website I had my home for rental to do an assessment ( it was at the 7th months of being on forbearance, I was never able to get even a single response from the website I posted my property for sale or rent which I believe is intentional to make me lose my home on a foreclosure. During this time I was suggested to apply for a loan modification by a representative so I sent all the information and left out of country for a short visit for an emergency but they never started the loan modification and also the assigned point of contact never worked on my file to have me on loan modification or on a payment plan and repeatedly asked for my income and expenses even after I gave that information more than once. I also requested for a payment plan which added over {$500.00} to my regular monthly payments so I end up selling my property in XXXX to pay off the dues and brought to loan current so that it wont be reported to the credit bureau but until this date they haven't taken me off the payment plan and I am not sure if their intention is to report it to the credit or to delay my next payment to make me pay the late fees or any other reasons that I am not aware of. I spoke to 3 customer service representatives so far and sent 3 emails to remove me from the payment plan as I am not able to make a payment for this month. I was also given wrong information by one of the representatives that I am on a forbearance and I have to make all my payments to make my account current when I explained that I made all my payments 17 days ago.Today is my due date to make a payment without a penalty. I refused to make payment over the phone as I wanted them to make the services available to me like any other customers, and also make my loan current instead of having it as a delinquent status. I would like the Shellpoint Mortgage to explain why they still havent made my loan current even after I paid all the due amount.
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.

Account Name : XXXX XXXX XXXX XXXX 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 account was in forbearance due to unemployment around the middle of 2019. Around XX/XX/2019 I get a notification that my credit score dropped over 120 points. Upon looking into this I discovered that XXXX reported it being over 90 days past due when it was not, the account was in financial hardship forbearance. When I called them to clarify this they stated that my account was 90 days due & that they never received any paperwork for the forbearance which I had mailed out to them earlier in the year. They are refusing to correct the 90 days past due on my credit reports & that they contacted me but I was not contacted at all, I reached out to them once I discovered the inaccurate reporting. If they were sending mail it was to an old previous address which I no longer live at.
Product: Checking or savings account

Capital one has been a pain these past few days. They keep changing the time frame of when my deposits will be cleared. They dont care about whether we have bills due or not. For them to hold our funds and not be transparent with us is ridiculous! Once my money is deposited I will be closing ALL 5 of my Capital accounts
Product: Credit reporting or other personal consumer reports

I am reaching out to follow up on my previous request for an investigation into the inaccuracies on my credit report, initially submitted in XX/XX/XXXX. As of now, I have not received a response from your office, and the incorrect information still remains, harming my credit. This lack of action is both concerning and unacceptable. 

For your reference, I request the immediate deletion or removal of the account. 

- XXXX XXXX XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX I kindly request that this matter will be promptly solve by EXPERIAN As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than 30 days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : 1. Validate Account XXXX XXXX XXXXXXXX Case Number : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXXXX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XX/XX/2022 Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX, XXXX. XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 card

Today ( XX/XX/XXXX ) I received four separate pieces of mail at my home address indicating that credit cards and/or debit cards were opened on my behalf with four different vendors : Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I did not request to open any of these accounts. None of them showed up on XXXX or XXXX checks, but my XXXX report showed XXXX recent hard requests for credit : two from Bank of America ( XX/XX/XXXX and XX/XX/XXXX ), one from XXXX ( XX/XX/XXXX ) and XXXX from XXXX XXXX  XXXX ( XX/XX/XXXX ). I contacted XXXX and started a fraud alert case with them, and their representative indicated it would be a good idea to go to ftc.gov to start a complaint there as well. I did not request any of these credit/debit cards in any fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. This item is inaccurate or incomplete because the account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 

Please conduct another investigation on these matters and delete the disputed item as soon as possible. XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries in my credit report under XXXX XXXX XXXX XXXX XXXX XXXX Informative Research miscellaneous from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this inquiry because I am have just turned XXXX XXXX XXXX that time and does not know anything about credits. Please dispute/remove this in my credit report.
Product: Debt collection

Just got a collection notice/bill in the mail for a toll on the XXXX XXXX XXXX, where there is no posted or visible posted signs of toll or pay booth, not to mention I have a XXXX sticker which usually charges tolls directly to my credit card. Says bill is for a supposed violation on 2017 and just now im been made aware. Bill is for XXXX which includes toll plus added fees for non payment. How can I pay something I dont know I owe. I contacted the attorney/collection company disputing the charges with very little help. I contacted the XXXX XXXX XXXX co who referred me back to the collection co. XXXX reviews of this tunnel system is full of similar complaints. Most certainly something ought to be done about ir at the very least investigated about this company shady business practices. Im mailing a written dispute as advised by collection co w/ very little hope given by the rep on said agency. Definitely contacting the local news as well, this scam ought be known by out of towners, must definitely a scam
Product: Mortgage

I was with them for many years with a V.A. mortgage and after several months after closing I found out they were charging PMI insurance on my VA loan which is not required or allowed. 
The VA Guarantees the loan and PMI is not required. 
Tried for several years to get them to stop it and refund the charges with absolutely no help trying to work with.them. 
Tried several times to get the V.A. to help with no response and they told me to take it back to Wells Fargo and again a brick wall -. Just wasted months of frustration for nothing!. 
Grew tired of Stonewalling from both organizations
Product: Vehicle loan or lease

I have been dealing with an on-going dispute involving my credit reports. I have a derogatory account reporting on my credit for an auto loan that I did not open. This account is not mine and neither did I assist anyone on this matter. This information is incorrect and does not belong to me
Product: Mortgage

I was on a forbearance plan through covid. I applied for a modification on XX/XX/XXXX. I made the 3 on time payments needed to be accepted for the modification. I was going to make my XXXX payment on XX/XX/XXXX and I could not online so I called and they told me I was denied for the modification and could not make a payment. 

My XXXX year old son and I live in our home. I have lived and paid for our home since XXXX. We love our home. I was let go for covid in XXXX of XXXX. I can make payments now and they wont let me? 

How can they do this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Surprise billing act has also been violated.
Product: Credit reporting or other personal consumer reports

the following inquires are not from me. Must be identity theft. 
12inquiries These lenders have accessed your credit file : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of consumers below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX, XXXX, EXPERIAN have violated my rights. 
THE ADDRESSs : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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. 
I demand these addresses be removed immediately with an updated copy of my report mail to me for conformation.
Product: Credit reporting or other personal consumer reports

I have disputed several accounts with Experian, most of the accounts stem from the XXXX XXXX. A lot of these accounts were charged off and paid via XXXX XXXX XXXX. I have disputed them several times with Experian and their updates yield no results after their investigation. They say that they have updated the accounts, but there is actually no exchange, except maybe the wording that says I disputed it. These accounts say there are closed and written off, when they are in fact paid in full or settled. Also, some have payment amounts that appear to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is not being reported to the Credit Bureaus properly. This account is paid in full, but on my credit report, it shows I still have a balance. Attached is a receipt of my payment. Please correct this ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that the following account be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). This account has been compromised or fraudulently opened due to the breach. 
Account Information : XXXX XXXX Account number : XXXX, Date opened : XX/XX/year>, Amount : {$5800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX andTransunion on XX/XX/XXXX once again to uploan the supporting document to show that this bankruptcy was not verified though XXXX XXXX or the Courts. I have also mail these document three times in the past, the most recent was XX/XX/XXXX. I received no response from Transunion, or XXXX. I would like them to remove this bankruptcy off of my credit report immediately.. Please review my supporting documents in which I have uploan on XX/XX/XXXX. As you can clearly see my document state that they do not report to credit bureaus or any credit reporting agencys. XXXX XXXX has removed this item as of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I scheduled a room reservation for XXXX XXXX XXXX ( the motel was originally named XXXX XXXX XXXX, when I made the reservation it was named XXXX XXXX and when it re-opened it is now named XXXX XXXX ) and when I arrived for the stay, the motel was closed for renovation. I was never told this ahead of time. When I received my Discover statement the next month, I had a charge for the motel room, where I was Supposed to have stayed. I immediately contacted XXXX and explained the motel was closed for renovation and I was told by XXXX that it was NOT closed. I was told by my credit card company, per XXXX, that if I could provide a Cancelation notice prior to so many day prior to contacted my Discover card company and explained what happened and they checked into it. This has been going on now for the past year. I ( personally ) never cancelled the reservation, my intent was to stay at the motel. So, by this time the motel had opened back up and I contacted the motel directly and I was told that my reservation had been cancelled XX/XX/XXXX, which was well ahead of the time frame, and they sent me a copy of the cancellation. ( I am not sure who cancelled my reservation, but I was never contacted ). The motel informed me that they never received any funds for my reservation for XXXX XXXX XXXX. I returned to my Credit Card company the cancellation letter, but they still would not allow the return of the funds. I have attempted to contact XXXX numerous times by email, because this is the only way that anyone can possibly reach them. After every email, I receive a response, giving me a case # XXXX ( the last # I received ), stating the case # has been recorded and someone from there team will contact me within 7 days. I have never been contacted by XXXX. As of today I have not been reimbursed the funds, I will never use XXXX again and I advise any one else not to use them either
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/20 ) I called XXXX, Equifax and XXXX. I have a recorded conversation with all 3 of them that claims that when I disputed the bankruptcy on my credit report, they verified the bankruptcy directly from the court. When I followed up with the courts, they sent a letter to me stating that they DO NOT verify bankruptcies with 3rd parties like credit bureaus. XXXX, Equifax and XXXX  knowingly gave me false information in the attempt to keep this unverifiable bankruptcy on my credit report. Also in all 3 reports, the name is incorrectly abbreviated which calls for more grounds of removal. This is a clear violation my rights according to the fair credit reporting act. I plan on taking legal action against the companies if the bankruptcy is not removed from my report within the next 15 days.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX- # XXXX 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 reportinq 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 then 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 card

American Express XXXX failed to issue a credit from the XXXX XXXX, CA for {$34.00}. American Express opened a Dispute and promised a resolution within 72 hours. It has been over one week and the credit has not been posted to my account even though I downloaded the XXXX statement with the credit adjustment.