23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Old Complaint : I was sick in XX/XX/XXXX. I had XXXX  XXXX & requested for Forbearance from XXXX XXXX via Shellpoint Mortgage Servicing LLC, Loan Servicer, but unfortunately, Shellpoint Mortgage Servicing LLC didn't forward my request to Fannie Mae, the Investor of my Loan. I have Doctor 's Letter to support my statement & can be shared, if requested. It's very unfortunate that Shellpoint Mortgage Servicing LLC is Possibly violating Cares Act & may also involved in Possible Discrimination. I strongly believe that Shellpoint Mortgage Servicing LLC is behaving this with me because I am a Minority, Person of Color, XXXX XXXX XXXX XXXX. I want CFPB to take action against Shellpoint Mortgage Servicing LLC for harassing People of Color & Minorities & not proving requested relief as per the Cares Act & start an investigation by Department of Justice for possible Discrimination & possible violation of Cares Act.

New Complaint : After the last complaint, I received the Loan Forbearance. After my Loan Forbearance ended, I requested for a Loan Deferment but Shellpoint Mortgage Servicing LLC & New Rez LLC didn't offer me Loan Deferment but offered me Loan Modification so that they can make more money as Incentives from Fannie Mae & I have to pay more Interest. I contacted Shellpoint Mortgage Servicing LLC & wanted to start my Mortgage Payments from XX/XX/XXXX & XX/XX/XXXX but Shellpoint Mortgage Servicing LLC denied to accept my 2 Month 's Mortgage Payments & only ready to accept 12 Months Mortgage Payments. I sent multiple emails as current as XX/XX/XXXX & XX/XX/XXXX but failed to get any response other than customer resolution team will review & will get back to me shortly. 

I have the letter from Fannie Mae which states that Shellpoint Mortgage Servicing will get a Financial Incentives as Servicer Advances of {$3300.00} ( Document Attched ) for Loan Modification & hence, Shellpoint Mortgage Servicing XXXX is forcing me for Loan Modification when I requested for Loan Deferment as my First Choice & hence, violating Cares Act. 

I was falsely informed by XXXX XXXX XXXX that Loan Deferment is not available by as it expired on a Recorded Line but that is totally false as I got Loan Deferment from XXXX XXXX  XXXX in XX/XX/XXXX itself when I made the same Request to Shellpoint Loan Servicing LLC but failed to get a Loan Deferment. 

Shellpoint Mortgage Servicing LLC & New Rez Mortgage LLC is possible involved in unlawful & possible unethical action & the person involved from New Rez Mortagge LLC is XXXX XXXX XXXX. 

I contacted Fannie Mae as well on XX/XX/XXXX & the contact person was XXXX XXXX XXXX & I suspect that XXXX XXXX XXXX XXXX also be involved in some kind of possible corruption here by not offering me a Loan Deferment & by not responding to my email. 

Please report this complaint to Department of Justice for Possible Prosecution for possible knowingly & possible willingly violating Cares Act.

I am currently very sick & need help from CFPB & Federal Government including DOJ. Please start an investigation against Shellpoint Mortgage Servicing LLC & New Rez Mortgage XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery and XXXX funding ( XXXXT ) are reporting collection accounts on my credit even though they were PAID and the aforementioned companies confirmed that these accounts will be deleted in their entirety. Please see the attached mortgage credit report from today still showing the accounts when in reality I was promised that they would be removed
Product: Debt collection

This account as a result of identity theft. I have trying to speak to these people and they are insistent that I give them money but I do not know them and I have tried to tell them multiple times at this is not my account they have called me repeatedly they have damaged my credit and I need this fixed immediately
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. 15U.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: Vehicle loan or lease

This is the 3rd time now that I have been told my payment was late. The 1st time, I believed them. The second time I was annoyed but not sure what to do. This 3rd time, I am beyond mad. They say my payment was never made or late, then charge me fees. That was incorrect. I have proof and confirmations that my payments were made. I will be seeking a civil case against them as it seems they do this to a lot of people. They should NOT be in business. I now have derogatory marks on my credit for their incompetence.
Product: Checking or savings account

Found a unathorized XXXX XXXX charge of {$370.00}. The next day I called XXXX XXXX  and they said they would not respond. Called chase to report the fraud and called XXXX XXXX. Chase has given me no proof to their findings nor has XXXX XXXX. Please I need some help.
Product: Credit reporting or other personal consumer reports

I contacted Mazda Financial Services regarding making payments on my lease account. I was informed that my account was incorrectly closed and that they would work to fix the error. I contacted XXXX again in XXXX of XXXX  regarding this issue.
Product: Credit reporting or other personal consumer reports

This is my another attempt to dispute the items in my credit file which resulted from a faulty credit reporting. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any items in my file that resulted from an incorrect credit report information, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report : Experian XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX  XXXX Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$23000.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX : {$5100.00} XXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX  Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXXXXXX XXXX Date XXXX : XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$5100.00} XXXXXXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX  Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an inaccurate credit reporting. I do not consent to XXXX or any means of automated verification.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

XXXX XXXX and I use Venmo to work with each other on bills. 

An emergency happened here and she transferred me XXXX dollars to help me here. 

Now Venmo has locked my account and is keeping XXXX dollars I need to pay bills. 

I contacted them. They want me to doenload an app that wont download to my phone. They wont accept information from my secure VPN based land system. 

I still owe that money to cards and that money belong to XXXX or Me. Not venmo. At this point I condiser this theft. They might have locked my account, but they can give they money back to XXXX. They wont do that either. 

Back to fraud and theft.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 a hard inquiry was placed on my credit report. I have a feeling the individual that I have a protective order order against, was trying to get credit in my name to be able to get the inheritance money I had coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Product: Credit card or prepaid card

I called Capital One at XXXX on XX/XX/2018. I asked the customer service operator to not touch my overpaid balance in the platinum XXXX. The operator said she can send me a check for the overpaid balance. I clearly told her not to do so. Upon checking my account, it now says a credit balance refund of XXXX.
Product: Debt collection

I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years.Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have 18 to 20 inquiries on my credit report. PLEASE HELP ME!!!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account XXXX : XXXX XXXX XXXX XXXX of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto pay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
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 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 accounts 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 Balance Owed : {$28000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5900.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$29000.00}.
Product: Mortgage

Extreme difficulty and frustration in logging into the new servicing center recently hired by the my Mortgage Company TIAA Bank. TIAA Bank recently hired XXXX to service the mortgage accounts. The XXXX XXXX Website is defective and will not allow me to enter the website to make my payments. The login procedures do not recognize my account number or social security number causing frustration and delay in making my mortgage payments. I have to call into the XXXX Customer Service which is incorrectly listed on their website. I have wasted 45 minutes trying to make my mortgage payments. 

Need XXXX to merge my correct loan number and social security number and to purge my current loan sign on id and password so I can create a new id and password that can be merged with my correct loan number and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute I the bureau and to date they have nor opened up an investigation nor have they responded to my previous complaint I filed about this involving my reports. My dispute was received by them on XX/XX/2020. Here is the USPS tracking for it confirming its delivery : XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX, XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00}
Product: Debt collection

I have been receiving phone calls since at least XX/XX/2019 from an automated system that says they are from PayPal. There has never been any voicemails left or any type of communication via the mail or email. They are apparently trying to collect a debt in the range of {$7000.00}. I do not owe PayPal any money and the entire scenario makes no sense at all. I am unaware how a person would be able to get in debt considering that a person can only use whatever amount they have in their PayPal account. If there is no money, then no purchases or payments will be processed! I blocked the number, XXXX, because they call throughout the entire day, starting at XXXX EST up until XXXX EST. Also, PayPal is all automated and website based, so it is almost impossible to actually speak to a real person! I am being harassed constantly and it has been going on for months! This needs to end!
Product: Credit card

On XX/XX/23 at approx XXXX XXXX., I sent a message to Chime Bank XXXX asking that " XXXX XXXX '' be removed from my Credit Builder account. I received a message regarding that it had to be removed from both my debit and credit account. I asked again to be removed from Credit Builder account since I had the option of adding " Spot Me '' to the XXXX XXXX account 4 months ago. the next Chime XXXX rep to answer, at XXXX est., XXXX XXXX Took it upon herself to close my XXXX XXXX account stating that I had request it. I have had XXXX Supervisors at Chime read the messages PRIOR to XXXX est, and all of them stated that I DID NOT request to have my account closed. I called and there was a ticket no. XXXX, created and sent to investigations as to why my account was closed without request, permission etc. I received a message that because I had a negative balance my account will be reported to Credit Bureaus, thus reducing my XXXX XXXX. 
I have called several time between XX/XX/23 and XX/XX/23 to obtain the status of the investigations and the Chime reps are NOT helpful with providing any information. Beware that they have the ability to do anything to your account without your permission and will mess your scores up intentionally and COMMIT FRAUD!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$39000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX  completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and XXXX to remove these inquiries and all attempts failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX INACCURATELY REPORTED LATE PAYMENTS ON MY CREDIT REPORTS. I HAVE REQUESTED THE INFORMATION FROM THEM TO SEND ME AN UPDATED REPORT OF MY PAYMENT HISTORY TO NO AVAIL. I ALSO SENT LETTERS TO 3 CREDIT BUREAUS REQUESTING THESE INACCURATE LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORTS FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX I WILL PROVIDE EVIDENCE OF THE INACCURACIES BELOW FROM MY XXXX  REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

I would like for XXXX XXXX and Transunion to stop sharing my nonpublic personal information per my rights under the Gramm-Leach-Bliley Act. I have already submitted complaints with CFPB for this information being reported. 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 XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account not mines, submitted FTC report with accounts that are not mines. 


XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX {$650.00} Account number XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX {$650.00} Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit has reported a XXXX bank account collection 4 times the month of XXXX and it has negatively affected my credit score and life. This account has not been confirmed as mine and they have failed to produce adequate documentation supporting the matter which I initially requested XX/XX/2020. Spoken to XXXX XXXX XXXX who is assisting midland credit in the dispute. 
Original account number with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX