23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a loan modification with Shellpoint Mortgage for my home in XX/XX/year>. After nearly completing the paper loan modification document, I called Shellpoint to inquire about a specific question on the form. I was told, " Based on my loan type, completing the paper modification document was unnecessary. Instead, they can complete the modification form over the phone with me. '' I said, " After all the work I put into completing the modification document, now you tell me I don't need it? '' I agreed and completed the modification with the help of XXXX XXXX, who provided assistance over the phone. On XX/XX/year>, their representative, XXXX XXXX, informed me that my modification request had been denied. 

On XX/XX/year>, I followed up with a representative inquiring about the denial letter, as I hadnt received any written notice. Additionally, I sent follow-up emails to both, XXXX and XXXX, but to date, I have not received any written explanation or documentation regarding the denial of my loan modification. 

I am attaching a copy of the inquiring message I sent to Shellpoint. 

I request that the Consumer Financial Protection Bureau investigate why I was not provided a written notice and explanation for their decision, as required. Why was the loan modification denied before receiving photos from the XXXX XXXX XXXX ( XXXX )? Why was the XXXX sent to my home if his information was not used to assess my account? Finally, what made my loan type special that I was encouraged to submit a verbal, over-the-phone modification application versus the loan modification I had nearly completed? 

***Here is my inquiring message sent to my mortgage company on XX/XX/year>. 

" To Whom It May Concern, I am writing to formally dispute the recent decision to deny my loan modification application submitted in XX/XX/year>. On Tuesday, XX/XX/year>, I called and spoke with XXXX XXXX from your team to discuss the potential workout plan initially offered to me in XX/XX/year>. During our conversation, XXXX XXXX informed me that my recent XXXX modification request had been denied on XX/XX/year>. 

This decision was a surprise, as a Broker sent by Shell Point Mortgage had visited my home that same day, only 15 minutes before my call with XXXX XXXX. Given that my loan type requires a XXXX XXXX XXXX ( XXXX ), I am concerned about how the denial was issued before completing this necessary evaluation. Also, if a decision was made on XX/XX/XXXX, could you tell me the purpose or intent of sending a XXXX to my home on XX/XX/XXXX? 

I'm still waiting for a formal denial letter or supporting documentation about this decision. Please send a hard copy of the denial letter and a detailed explanation to my mailing address and follow up with an electronic copy via email to XXXX to ensure I received it. 

Thank you for your attention to this matter. I'm looking forward to your detailed response to my inquiry and request. '' Thank you in advance for your support. 

Sincerely,
Product: Debt collection

I had an account with Bank of the West but I stopped using it after I went into the XXXX XXXX in XXXX. I stopped using it completely until sometime in XXXX of XXXX where I had some type of fee. I no longer had an account to receive notifications that I had a fee of any kind or to pay it off. After sometime I received a phone call and was able to take care of it. I have tried disputing it with the Bank of the West Dispute section but I have received no word.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within XXXX business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 
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

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 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: Student loan

On XX/XX/2023 I made a loan payment on Nelnet 's website for {$8700.00}. I have checked back to make sure the payment went through and on their website it says " Payment received on XX/XX/2023. '' However, my payment was never taken out of my bank account and I confirmed this with my bank and the interest on my loan is still accruing on Nelnet 's website even though it says the payment went through and I also received an email confirmation stating the amount that was paid and that within XXXX the payment should go through. I can provide screenshots of the webpage that my loan should be fully paid off. I tried contacting the company via phone and was told the wait time would only be about 11 minutes around XXXX when I called. I was on hold with the company for 2 hours and was still waiting to speak with someone. I also sent them an email as well and have yet to hear back from them. This is a serious issue because interest keeps rapidly accruing on my account and my payments aren't going through and I have the money in my bank account to make said payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. 
I'm attaching my credit report with the account circled.
Product: Credit card or prepaid card

Greetings, I am a customer of CapitalOne, XXXX and XXXX among others. 

I have credit cards with them. I have been struggling to make my payments because of the pandemic. They refused to lower my interest rate ( XXXX and XXXX have done it ), even though most financial institutions are obtaining access to money for very little or no interest in order to pass this to the consumer and help the people with this pandemic. 

They have not offered me any serious relief nor assistance. 

Please assist. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please block and remove the following accounts Due to Equifax data breach. XXXX XXXX, XXXX. Bal. {$22000.00}
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items DELETED from my credit reports effective immediately. I am attatching prooof that XXXX has admitted that I was in fact a victim of this data breach and the credit bureaus have done nothing. Please help me delete these illegal accounts from my credit reports. The accounts listed below should be deleted immediately from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not even get the account numbers for these accounts because the information I provide over the phone does not authenticate the accounts. I then ask for them to mail documents to prove that I indeed signed off on these accounts as well as them. They tell me they will send the requested information, but I have never received the requested information. I have done this on MULTIPLE occasions via phone and mail. 


I have attatched a document showing that XXXX admitted I was affected by the data breach which has resulted in these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/year> please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete this accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

disaster opening an online checking. please listen to all calls from XXXX XX/XX/XXXX and XX/XX/XXXX got confirmation my account was opened successfully. it wasnt. told i needed to sign a signature card and an email was sent to me. had to go into some type of " status center '' there was no signature card enclosed. reached an XXXX XXXX XXXX id no. she researched it and promised a call back after her meeting and ghosted me. then she wasn't this bank takes your money, tells you you successfully opened an account and never tells you differently. there are no error messages for beneficiary information which XXXX said wasn't input correctly .... yet they take the money and tell you everything was successful. it is fraud. required hours of follow up and managers don't know and understand. 
took my {$50.00} required and never told me the account wasn't opened. now they can't tell me when i get my money back. if i hadn't called, i would have never heard. 

this is a bank that was nationally hacked and their website is fraught with problems as well as their ethics.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

I have noticed that files are not being removed when they accompany an FTC report. If you do not remove the items listed below, which are inaccurately reported, I will involve my attorney to initiate legal action. I prefer to avoid this, so please comply with the law and remove the incorrect credit report information listed below, as they were opened without my consent or knowledge : Experian : 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. If you assert these items are accurate and verifiable, please provide me with copies of any documentation associated with these items bearing my signature, as I know none exists. In the absence of such documentation, I formally request the immediate deletion of this information from my credit file. You have XXXX business days to remove any items resulting from inaccurate credit reporting. I do not consent to XXXX or any automated verification methods. I expect your immediate attention and a response within XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, a consumer/natural person, I am submitting this complaint on my own behalf, there is no third party involved. I have noticed an account from LVNV funding which I do not recognize, nor do I owe the alleged debt. This account is ruining my character and it is causing me to be denied credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company closed and charged off account in XX/XX/XXXX. They have been reporting the account as closed on a monthly basis as of XX/XX/XXXX. Per FCRA, it is a violation to report a closed account on a monthly basis after closing an account due to manipulating my credit score. I have reached out to the company and credit bureaus regarding this violation and they have not fixed the problem. This account should be deleted for being in violation.
Product: Credit reporting or other personal consumer reports

The creditor has reported this account as a charge off/ write off on my credit profile but at the time of the charge off the creditor failed to send me a 1099-C form.
Product: Mortgage

On XX/XX/XXXX, I emailed Shellpoint a validation of debt request pursuant to XXXX5 USC Section 1692gb, cease and desist pursuant to 15 USC 1692 C ( c ) and a qualified written request. 

Also, on XX/XX/XXXX, Shellpoint employee XXXX XXXX confirmed receipt to my wife. XXXX. also advised my wife that she is a non-obligator and was not on the note and not on the deed of trust. 

To this day, Shellpoint has not answered our questions outlined on the validation and qualified written request. The deadline to reply was XX/XX/XXXX. 

For several years, both my wife and I have advised all parties that the recorded deed of trust is ineffective and unenforceable. My spouse did not sign the deed of trust. 

Fast forward. 

The XXXX XXXX XXXX is attempting once again to foreclose on our property- on an invalid ineffective deed of trust -- - without a valid deed of trust -- - there is no effective power of sale. The posted sale date is XX/XX/XXXX. 

Through our own research, we have also discovered that there was an unauthorized refinance completed and recorded in my spouse 's name on XX/XX/XXXX. 

The bottom line is- even discovering all the fraud, inaccurate documents and deception, there have not been no payments made ( on a zero-balance account ) since XX/XX/XXXX. 

All statute of limitations ( oral, written, open-ended, secured, unsecured, etc. ) has expired. The alleged account is time-barred - and uncollectable. 

Also, per Virginia Code Section 8.01-241 -- - No deed of trust or mortgage heretofore or hereafter given to secure the payment of money, and no lien heretofore or hereafter reserved to secure the payment of unpaid purchase money, shall be enforced after 10 years from the time when the original obligation last maturing thereby secured shall have become due and payable according to its terms and without regard to any provision for the acceleration of such date. 

As per XXXX XXXX, XXXX Loan Servicing, and Shellpoint Mortgage Servicing -- - I am due for the XX/XX/XXXX However, on XX/XX/XXXX - it was XXXX years since payment - and therefore, Virginia Code Section 8.01-241 -- -- became effective on XX/XX/XXXX. 
No party elected to complete the Certificate of Extension of Limitation of Limitation of right to enforce deed of trust or mortgage ( Virginia Code Section 8.01 -241.1 ). 

No party can collect or FORECLOSE on our property ( lot or home ) -- - beyond XX/XX/XXXX. 

However, we received alleged foreclosure papers- dated XX/XX/XXXX. -- - We are requesting this Board to have all parties cease and desist - ( once and for all ) -- in their attempt to steal our home in the upcoming posted XX/XX/XXXX, foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I would like TransUnion to look into my report that I am submitting. I would greatly appreciate since I am not able to mail off necessary documentation. I will upload documents with my complaint. 
Thank you for your understanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXX  XXXX, Texas XXXX XXXX XXXX Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX . I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX