23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In early XX/XX/XXXX I sold and paid off my home. My mortgage lender was Shellpoint and their third party administrator ( TPA ) was Newrez. I called the mortgage lending section of Shellpoint, advised the representative that they did not list my mortgage as closed, appears on credit report that I have an {$89000.00} credit, with Shellpoint, though there was a {$0.00} balance. I advised that they must list the loan as closed or the Credit Bureaus will assume the account was still open. The Representative advised they no longer report on my account and they reported a {$0.00} balance. I was then put on hold for several minutes, and when Rep. came back to line, she advised must send a letter to Shellpoint at XXXX XXXX XXXX XXXX XXXX XXXX, and I MUST include a copy of the credit reports. I was not happy with this information, and their unwillingness to correct their mistake, without my submission of my credit reports. As a creditor, per XXXX XXXX, Shellpoint would only need to submit a creditor correction, which requires very little effort on their part. I have filed a dispute with the Credit Bureaus and they are submitting to Shellpoint on my behalf. I am filing this with the CFPB, as I know Shellpoint has done this to Others, to whom I have talked with, just in some casual conversations. Due to divorce, my Ex-husband and I had to file bankruptcy in XXXX. Shellpoint assumes less than favorable loans and MANY of those individuals Do Not understand how this type situation and others can greatly effect a credit score. I was told that Shellpoint would review my submitted information and THEY would decide if they would take corrective action. Rep. advised it would be XXXX to XXXX  days for review and decision. My credit report with XXXX has the status as paid or paying as Agreement and other Credit Bureaus having no Status of Account only left Blank. 
Is there any way the CFPB could require Creditors to input CLOSED beside the Account Status when an Account is Closed. XXXX advised that the Accout Status listed as Paid or Paying as Agreement is considered an Open account. Please assist with this Creditor and ALL reporting to the Credit Bureaus.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of 2022, I have been sending certified letter to Equifax, XXXX, and Equifax. There are inaccuracies on my report that are negatively affecting my report. I have asked Equifax and XXXX to show what they found out on their investigations SINCE XXXX and they have refused. They have no proof that the accounts are mine. Equifax has not given me an update via mail on the investigation results ; they are far beyond 30 days.
Product: Debt collection

XXXX Hospital ( XXXX XXXX ) was set up with XXXX to collect debts owed to the hospital. We had charges from previous medical issues that were not covered by insurance and we need to set up a monthly payment plan, which we did and were paying every month via and automated deduction from our checking account. The accounts were never reported to the credit bureaus because were were not delinquent. At some point at the end of XXXX, XXXX was dropped and XXXX XXXX was given our account. Then out of the blue we started receiving phone call regarding the debt owed. There was never any written notice that XXXX was no longer servicing the account and that we would need to work with Arcadia, so we were questioning what these debts were and from when. At one point the person calling gave us incorrect dates of service as well as incorrect parties they were collecting for. Upon calling XXXX Hospital, we found out that XXXX was dropped and Arcadia was the new service provider and we would need to contact them regarding the accounts. As of XX/XX/XXXX, via online, I paid all the accounts off. I have requested that Arcadia report this the credit agencies and have the incorrect information removed from my reports. I notified Arcadia of my intent to report this information
Product: Mortgage

Ocwen serviced my loan for years made many mistakes modified the loan in 2018 ; payments were not affordable had to cancel the loan mod Ocwen kept {$6000.00} of our trial payments then in 2018 Ocwen never furnished us with a 1099 at all Ocwen failed to meet irs deadlines
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR XXXX XXXX AND XXXX XXXX WE DEMAND XXXX AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON TRANS UNION AND XXXX AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID OUR MONTHLY PAYMENT ON TIME. OUR PAYMENTS WERE MADE VIA A INTERNET PROGRAM FOR XXXX XXXX. PAYMENTS THAT ARE MADE TO XXXX XXXX WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A XXXX XXXX   PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT DATA WHICH IS IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT ALL OF OUR PAYMENTS WERE MADE ONLINE BEFORE THE DUE DATE. SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BOAT AND OUR BELONGINGS IN OUR BOAT WERE STOLEN! SO WHEN I GOT BACK HOME WE CALLED XXXX XXXX AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE XXXX XXXX A LETTER ASKING THEM TO REMOVE THE 2 LATES ON OUR CREDIT REPORTS THAT WERE WRONGFULLY REPORTING AND THEY DID. WHAT I DIDN'T REALIZE THOUGH WAS THEY FAILED TO REMOVE THE REPOSSESSED/REEMEMED DEROG COMMENTS TOO. 

AGAIN, THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.
Product: Mortgage

Chase gave my finance and I a " pre-approval '' for a mortgage back in XXXX 2016 ( they ran our credit on XXXX XXXX, 2016. They introduced us to our loan processor las week and they told us today that we were declined based on credit bureau information. Information that I had shown them was reported in error no less. Now we may lose our house and {$17000.00} down payment because they led us to believe that we were approved. It is just not right.
Product: Mortgage

Our home was damaged during Hurricane Michael. In the month following the storm, we the homeowner, paid out of pocket for tarping, emergency remediation and a new roof in order to protect our home and the mortgage asset. 

All receipts have been sent to the mortgage company ( Lakeview Loan Services ) multiple times, including the insurance company 's third party adjuster that came to the home 3 days after the hurricane and all out of pocket paid in full receipts signed off on by both borrowers. The mortgage company confirmed received all of receipts on XX/XX/XXXX. 

In the days after receipt of the paid in full receipts, the mortgage company has stated that they will not pay any funds unless they receive a letter from the insurance company stating that they hired the 3rd party. As of XX/XX/XXXX, they are stating that they will not reimburse us the borrower for out of pocket expenses until another estimate is done on the home which should have nothing to do with releasing our out of pocket funds. 

Every time we contact the mortgage company, there is some reason that they give us that was not given to us the day prior as to why they are not able to reimburse us from the checks that have been signed and sent to them for our " escrow '' account. Each time we call, they say that " special approval '' is needed from upper management to release our funds as it is not their standard procedure to release money without a contractor. Hiring a contractor should not have any baring on the mortgage company reimbursing us for money that has already been paid out of pocket by the borrower to protect the home from further damage ; we are not far enough in the process to even begin hiring a contractor and being to repair our home based on the financial strain that being out of pocket this amount of money for this long as put on us. Our out of pocket expenses were included in supplemental checks that were sent, separate from the original estimate check and the mortgage company is still refusing to send reimbursement for out of pocket expenses. 

When we have asked to speak to a supervisor, we are told that no one is available in the office and that we would have to request a call back and it would take 24-48 hours. Also, every time we submit a document or call into the customer service line, we are told 7-10 days before they can confirm receipt of documents and then another 7-14 days for a decision. We are almost three months after the hurricane and still out of pocket {$40000.00} that our mortgage company is refusing to reimburse us for although the insurance company has issued the checks from their side and confirmed that the money is rightfully due to us the homeowner. 

The breakdown of charges are as follows : Emergency Tarping Services : {$2300.00} Remediation Services : {$21000.00} New Roof : {$16000.00} TOTALING : {$40000.00}
Product: Credit reporting or other personal consumer reports

I have credit inquiries from XXXX XXXX that I did not authorize
Product: Credit card or prepaid card

I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$2900.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage payments were placed on forbearance by my mortgage company from XXXX XXXX XXXX XXXX due to a natural disaster. On XX/XX/XXXX category XXXX XXXX XXXX hit Louisiana and destroyed our home. Once I contacted the mortgage company they placed my account on forbearance starting XX/XX/XXXX. However my credit report is reflecting 120 days past due for the months of XXXX XXXX  and XXXX XXXX Also the balance on the account is reflecting {$35000.00} when the balanced owe is {$33000.00}. This is a serious violating on my consumer rights according to FRCA this violates my rights for inaccurate reporting.
Product: Checking or savings account

I opened a new Virtual Wallet with Performance Select Checking account on XX/XX/2019 and met the requirement within the first 60 days. However, it's over 90 days after all conditions have been met, but I still haven't received the {$500.00} promotion bonus as advertised yet.
Product: Credit reporting or other personal consumer reports

I requested the information for the account, because, it was reporting differently across the three major credit agencies ( XXXX, XXXX, and XXXX ). The reply received was that, they could not find any information on the account with the information provided directly from the reports and wanted me to give them all of my current identifying information. I have disputed this with the XXXX ( XXXX ) agencies and it would come off the reports and be put back on XXXX almost immediately and cause a major point difference. None of the information was reporting the same to the agencies, from the current balance, date opened, type of loan and they would put it on the reports with two different company names : " XXXX XXXX XXXX '' and/or " XXXX XXXX XXXX XXXX XXXX 
The account was charged off as bad debt in XXXX XXXX of XXXX with a balance of {$250.00}. The balance is currently {$470.00} that was reported on XXXX XXXX of XXXX. XXXX XXXX XXXX has been increasing the balance on this by {$2.00} or {$3.00} either per month or multiple times per month which damages my worthiness and ability to continues to provide for my family. There was a comment on the experian report before they removed this account stating, " The balance of {$250.00} was charged off and the current balance is {$470.00} ''. 
I have requested disputes from all three ( XXXX ) of the major agencies, however, this account continues to report incorrectly and on XXXX and has been removed from XXXX. 
I have attached one of the credit alerts I received from one of the agencies, while after communications with the credit agency where they changed the balance to what was reporting {$450.00} to {$200.00}, then within a day or two, it the balance was updated to approximately a little over {$450.00} as the new balance. This made my credit worthiness go up a few points, then, when they added the balance back, it plummeted looking as this was new charges.
Product: Credit reporting or other personal consumer reports

Collection Agency XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Re : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Credit Report Notice : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX To Whom It XXXX Concern, I am writing to formally dispute the validity of the debt listed on my credit report under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I received a notification that this debt was reported to the credit bureaus, but I have not received a validation letter from your agency as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

According to the FDCPA, debt collectors are required to send consumers a written validation notice within five days of their initial communication regarding the debt. This notice must include : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement that unless the consumer disputes the validity of the debt within 30 days after receipt of the notice, the debt will be assumed to be valid by the debt collector.

4. A statement that if the consumer notifies the debt collector in writing within the 30-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector.
Product: Credit reporting or other personal consumer reports

It appears that FCRA 605B requires us to eliminate any inaccurate accounts from my credit report. Could you check the documents? There are mistakes in the reporting, amounts, and dates of some accounts listed.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : XXXX XXXX Former : XXXX XXXXXXXX Employers : XXXX  Employers XXXX XXXX XXXX  Collection/Charge Off XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$6700.00} 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT GIVE WRITTEN CONSENT FOR MY INFORMATION TO BE PUBLISHED ON MY CREDIT REPORT In accordance with the fair credit reporting act, the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accoun t # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, Department of EDXXXXXXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXaccount # XXXX. 15 U.S.C. 1681 Section 602A states I have a right to privacy. 15 U.S.C Section 602 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

I closed this credit card account by telephone inXX/XX/XXXX. Since then, American Express has insisted on piling on fees and interest. This closed account should have XXXX balance. 

On XX/XX/XXXX I called AmEx to ask how my closed account has a growing balance. The representative told me fees had accrued because I had not paid the full {$200.00} balance on my bill with closing date XX/XX/XXXX. He said I only paid {$160.00} on XX/XX/XXXX, so {$40.00} carried over. That made no sense to me, and he was unable to tell me what my purchases had been, that led to the amount carried over. 

After hanging up without any resolution, I went back through all my statements and payments. I discovered that AmEx failed to properly apply reward points that I had redeemed as a statement credit in XXXX. Specifically, my XX/XX/ statement stated my balance due was {$83.00}. The top of that statement prominently displayed a rewards balance of {$15.00}. 

Before paying that balance due, I redeemed the {$15.00} reward balance as an account credit. Then I paid the remaining balance of {$67.00} by the due date of XX/XX/. Because {$67.00} + {$15.00} = {$83.00} account balance, I had brought my balance to XXXX by XX/XX/. 

AmEx seems to have ignored my rewards redemption. The XXXX statement only credited my account with the {$67.00} payment, and not the {$15.00} rewards redemption. The statement reflected {$93.00} in legitimate purchase charges. It also added a {$95.00} membership fee for XXXX. Given the lack of accounting for my reward redemption and the steep membership fee compared with my low spending habits, I decided this card was no longer a cost-effective product for me. Consequently I called American Express in XX/XX/XXXX to close the account. The representative agreed to close the account and reverse the fees. In closing the account, I forfeited my remaining reward dollars. AmEx thus benefited by my account closure, since it will not have to pay out those reward dollars. 

Although I have paid all legitimate charges, American Express nevertheless has continued to ignore my XXXX rewards redemption and impose fees and interest on the account, apparently to punish me for closing the account. To add insult to injury, AmEx has reported my account delinquent to the credit bureaus, thereby reducing my credit score and harming my ability to obtain credit on favorable terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this letter to get inaccurate information removed that's reporting to XXXX and Transunion. I've tried to have XXXX XXXX, XXXX and Transunion to remove and delete numerous 90 day late after the account was closed on XX/XX/XXXX. Numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX
Product: Checking or savings account

Bank of America is charging overdraft fees of {$35.00} when there is clearly enough funds in the account to cover a posted item. This has happened twice in the past week, the latest time causing my account to be overdrawn.
Product: Checking or savings account

I have tried to contact them throughout the year, due to the amount of problems they have caused me instead of the solutions they have offered. First due to a negative report on my account due to a delay of 30 days in which I justified that the funds were present ( they asked me for account statements showing that the funds were available and I delivered them ), lately due to not being able to pay my last installment of savings since the account was blocked to pay, then due to the closing of the account and a negative report on my account and now due to the closing and blocking of my account ( because now they do not allow me to access from my State -Florida- ). 

I demand that they return the money that I deposited with them and that they have now withheld for absurd reasons of restriction of access from my state. 
I asked to be contacted immediately to resolve my problem and return the funds they used for a year and all they do is respond to me with a robot and automated responses that they will get in touch and they don't.
Product: Debt collection

I have sent numerous amounts of letters to the creditors they say I owe them. However, they have failed to respond to any of my letters. I have sent letters to the XXXX, XXXX and XXXX in the hopes that they would remove the items from my credit report. They have said that the accounts have come back verified however they have failed to provide me with documentation of proof that these accounts are mine. I have sent letters very month since XX/XX/XXXX trying to resolve the matter. the accounts in question are XXXX XXXX XXXX XXXX XXXX  and Security Cred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have filed a complaint with the Federal Trade Comission. XXXX, XXXX and Experian are reporting fraudulent unauthorized accounts on my credit file that are violating my consumer rights and damaging my reputation. I have reported these accounts fraudulent to the companies that are appearing on my credit file as well. I have filled multiple complaints and I am not getting a response in my favor. I have attached all of the following documentation that prove these are fraudulent accounts and need to be removed from my credit file immediately. 
The following accounts are listed below : 1 ) XXXX 2 ) XXXX  XXXX
Product: Credit card

chase is continuing to violate many rules last year we notified them to stop calling and they continue to call daily multiple times for accounts we are disputing with them