23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

New Rez LLC / Shellpoint Mortgage are companies involved.

Shellpoint applied private insurance and increased monthly loan payment over {$100.00} with no just cause. Prior to XX/XX/2022, payment was {$430.00}. Currently, it is {$560.00}. 
This is our mother 's mortgage and she is XXXX and is very distressed that no one will help and all our attempts to get help with Shellpoint have been a ridiculous waste of time. In XXXX, our mother was so distressed after a call, she became ill and had to seek medical attention. 
The reason Shellpoint increased the payment was due the 'loss ' of Insurance coverage documentation after a change in their organization. Since XXXX, we has verification of Insurance on multiple occasions. We also mailed hard copies, along with our POA documentation ( which they also couldn't find ). We have contacted Shellpoint no less than 10 times in the past six month by phone, email, fax and us mail. When we call, we continue to be told an escrow analysis must be ordered, despite having ordered an escrow analysis on several prior occasions. We have been told there is no supervisor, there's no way to speak with a person in loan servicing, and today we were told Shellpoint doesn't make outbound calls if we leave a message -- and to reach someone in the insurance or escrow analysis department we must call back ( can't be transferred ). We tried to send secure messages using the Shellpoint website and that feature does not work. 
I can provide dates, names, email exchanges, etc. 
We plan to contact the XXXX XXXX XXXX and begin a campaign on social media. The anxiety and pain they have caused our mother is unforgiveable.
Product: Debt collection

I just sent that a collect was added to my collection section and I have no clue who they are and how can I get in contact with them. Its says I owe them XXXX from who I have no clue
Product: Credit card

Ive been discriminated against and American Express violated the Privacy Act. I initially submitted a XXXX XXXX credit card application but was denied based on unverifiable factors. Ive asked American Express to provide me with such evidence stating the reasons of such denial. Per my previous complaint with the CFPB, they failed to do so. American Express provided documents of another person which is a violation of their privacy, and unlawful business practices against me. I have provided the correct reference number for the XXXX application I submitted.
Product: Checking or savings account

I deposited my California state XXXX XXXX on XX/XX/23. Chase put a 7 day hold. XXXX gave me a printout showing the checks were cashed, but they have my accounts restricted as fraud because they cant contact anyone at the state number to verify. The state gave them the money and they will not release it to me. The number now is irrelevant, they have the funds and they need to give them to me. Im beyond exhausted dealing with this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Early Warning XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing this letter to request an investigation of the following information that appears in my Early Warning Systems consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 


Bank : XXXX XXXX CHECKING ( Open Date : XX/XX/XXXX ) Account Number : XXXX Routing Number : XXXX Bank : XXXX ( Open Date : XX/XX/XXXX ) Account Number : XXXX Routing Number : XXXX Bank : XXXX  ( Open Date : XX/XX/XXXX ) Account Number : XXXX Routing Number : XXXX Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : BANK OF AMERICA CALIFORNIA ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX BANK ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX CALIFORNIA ( Open Date : XX/XX/XXXX ) Account Number : XXXX Routing Number : XXXX Bank : XXXX XXXX XXXX - XXXX ( Open Date : XX/XX/XXXX ) Account Number : XXXX Routing Number : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



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

Dear XXXX, Equifax, XXXX. 

I stand up and raise my right hand to XXXX that I am XXXX XXXX, the real XXXX XXXX with no assistance from anybody else.I XXXX XXXX was entered into credit transactions that I did not authorize or consent to.I am a victim of identity theft and I believe my information is being used by the baddest people on the dark web. If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .I bet y'all can't do that huh? If I consented to these inquiries, then please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). I will sue y'all so good if he tries to lie on me just so yall know. I understand that under 15 U.S. Code 1681c2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information RESULTING FROM identity theft within 4 days of receipt of this letter. y'all need to do it asap because y'all playing with my credit score out here. Having these False and misleading inquiries reporting to my credit report is very damaging and is killing my ability to purchase a new car so I don't have to catchh the bus no more. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report. As a consumer these accounts on this letter must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. Also I have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission so you know it's not a game. I want you to remove out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140 and release my title lien free. I also want compensation in the amount of { {$1000.00} } per violation for all the damages that I received to 15 USC 1681n.This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT OR INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2017, I mailed out a letter stating that I did not authorize credit from your company. I would like for you to prove to me that I was the person requesting credit from your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I noticed my credit score drop from XXXX to XXXX. Upon looking into the 3 credit bureaus : XXXX, Equifax, and XXXX, the only negative remark they have is from my XXXX account based on the following : late payment in XXXX and high credit amount of {$270.00} on XX/XX/XXXX. These negative remarks have been on my credit report for the past 6 years. This being the only negative remarks on my reports, there is no reasonable explanation as to why my credit score dropped almost 30 points in these recent months. I already submitted disputes with no favorable resolve. I also contacted XXXX  and they have not made any other types of reporting to the bureaus. I can't get a hold of anyone on the phone to explain this drop in points to me. I also have low credit utilization on XXXX  ( a XXXX  balance for the past 2 years ) and less than 14 % on my other credit card XXXX. My loans have been decreasing significantly this year. I am extremely displeased with these credit bureaus. PLease help.
Product: Debt collection

I have a XXXX dollar debt with team mobile. Not understanding the why this debt shows I still at this present have a open account with XXXX for over 5 years. Not only for phone service but the devices Such as iPad and other phone devices.. Also knowing that if I do n't pay monthly bill my service would be suspended. So if I owed this amount off XXXX dollars why am I still a existing customer with them. DO N'T GET IT.
Product: Debt collection

I noticed this debt on my consumer report I asked them to provide me the original certificate of indebtedness and they ignored that and my dispute i disputed this to XXXX and said I was never given the original Contract this is a third party collector thats against the terms
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An accordance with the Fair Credit Report act XXXX  Account # ( cant find ) has Violated of my rights 15 U.S.C 1681 section 602 A State I have the right to privacy 15 U.S.C 1681 section 604 A section 2 ; it also states a counsumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed online several times as well as sent in multiple certified letters requesting that inaccurate information being reported on my credit report be removed beginning XX/XX/2020 through present and still have no resolve. I am being told that the information was verified with the bankruptcy court. This is 100 % false as the US Bankruptcy court has informed me that the do not report or verify any information with the credit bureaus. There is a public record that is appearing on my report that should not be. The bankruptcy was withdrawn and the credit bureau is inaccurate pulling information from an apparent third party company. I have sent in my drivers license with my disputes and it is obvious that the reason this information has not been updated is due to obvious racial bias. This inaccurate information is preventing me from applying for a job and purchasing a home. As a XXXX mother of XXXX it is hard enough
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft and accounts that were not mine were opened and used in mu name. I have submitted my FTC report attesting to this and have listed the accounts.The following accounts are a result of fraud and should be deleted according to 15 U.S.C 1681 b ( c ). I have no knowledge of the following inquiries, nor have I ever given permission whether verbally or physically for the following companies to access my credit report. These entities do not have permissible purpose to pull my credit report, and they are fraudulent as I have been a victim of identity theft before. Please remove the following inquiries immediately as my rights have been violated.
Product: Checking or savings account

We dont understand why Wells Fargo acknowledged that we are victim of identity thief yet dont want to do wants right and give us all our money back. We been trying since XXXX XXXX. We hope you can help. Wells Fargo gave us this information XX/XX/2021 to XXXX XXXX, XX/XX/2021 XXXX XXXX, XX/XX/2021 XXXX XXXX and XX/XX/2021 XXXX XXXX all {$1000.00} each. We do NOT know any of this people and we did not send them money NOR authorized anyone to send them money.
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 consummer rights to privacy and confidentiality under USC 1681. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly.

15 U.SC. 1681 section 602 A. States i have the right privacy.

15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in a account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction Exclusions. -Except as provided in paragraph ( 3 ). the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX credit reporting agency on XX/XX/2023 because I had disputed some items on my report and the dispute came as accurate they reported it back as the creditors reported as being accurate so when I try to dispute the items again they stated that I can't dispute them again without documentation so I ask did the creditors provide documentation to prove the debt was accurate I was told from an XXXX representative that a creditor ( DOES NOT ). have to provide documentation that the only thing they need to say that it's accurate so my question to them was me as a consumer needs to provide documentation as to why the debt collection is not valid but the creditor does not need to provide documentation the representative reply with yes. I also informed the representative that I was recording the call as well she said OK and I understand I asked her several times was the debt validated she said no because they do not need to provide documentation as a creditor. I asked for the debt to be removed since it was a total of 3 collections she said I need to call those creditors and ask them to have it removed even though they never proved it as being accurate.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud.XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX , XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/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 my personal information has been used fraudulently. As such, I request that the following account and inquiries be blocked and permanently deleted from my credit report under the protections of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Account : 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

For over two years Ive tried with both XXXX XXXX auto loan and Experian to resolve the incorrect information on my credit report to no avail its a perpetual circle that no one knows how to fix or care to XXXX XXXX has me as delinquent on Experian Credit Report and within bankruptcy when Ive been discharged from Chapter XXXX bankruptcy sinceXX/XX/XXXX also XXXX XXXX  was paid in full. When I called they have no history of my account I do not have the Vin number since the car was totaled a long while ago please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report numerous times with XXXXThis goes all the way back to XX/XX/XXXX. XXXX XXXX XXXX XXXX. ( 2 ) XXXX accounts. XXXX XXXX XXXX and XXXX XXXXXXXX XXXX  are all still on my credit report and are reporting inaccurate information. They sent me a letter stating the accounts have been verified and updated. But how? If the information is not matching up. I would like to know how was the information verified and if it was indeed verified. These accounts need to be removed and deleted from my consumer report immediately due to XXXX have violated my rights. A consumer report has to be 100 % accurate across the board. Meaning with a 3 credit bureau
Product: Bank account or service

In XXXX my money in savings account number XXXX with Citibank was fraudulently withdrawn. On my protest, Citibank credited the money back into my account. Since I do not live in USA I instructed Citibank to block the account ( which obviously had been compromised ) to prevent further abuse until I identify myself in person. 
In XXXX, I visited the bank and to my utmost surprise, withdrawals were again carried on the account, In response to my inquiries, Citibank stated that after my account was credited with the previously disputed withdrawals of XXXX, the account was again debited in XXXX. Citibank admitted that despite the freezing instruction on my account, it was unfortunately not blocked as instructed " due to interest that was posting ''. 
Since then Citibank has refused to investigate and/or credit my account with the money despite several protest and complaints.
Product: Credit reporting or other personal consumer reports

Data Breach of my information. Therefore my credit report has been compromised
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have r

equested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
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 : # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX, Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX Account # XXXX, Account name : 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 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.