23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

TO WHOM IT MAY CONCERN : I HAVE A MORTGAGE WITH SHELLPOINT MORTGAGE SERVICING WHICH WAS BOUGHT FROM XXXX XXXX XXXXXXXX MANY YEARS AGO. WHAT HAPPENED WAS, XX/XX/XXXX, MY EX-HUSBAND AND I QUICK CLAIMED MY PROPERTY TO MY BROTHER, SHORTLY THERE AFTER, THE PROPERTY WAS BOUGHT OUT BY SHELLPOINT MORTGAGE, WHICH LEFT ME ON THE MORTGAGE AND MY BROTHER ON THE DEED. XXXX OF XXXX, I CONTACTED XXXX XXXX XXXX XXXX XXXX TO ASSIST ME WITH A MODIFICATION DUE TO THE FACT THAT SHELLPOINT WAS INCREASING MY MORTGAGE PAYMENT GRADUALLY FROM WHEN THEY FIRST BOUGHT THE LOAN FROM XXXX XXXX XXXXXXXX FROM A PAYMENT OF {$1600.00} TO {$2600.00} DURING XXXX OF XXXX AND WOULD GO TO A FINAL INCREASE OF ALMOST {$2900.00} BY XXXX AT AN INTEREST RATE OF ALMOST 5 %. 

XXXX XXXX XXXX TOOK MY CASE AND CHARGED ME {$4500.00} TO DO A LOAN MODIFICATION. THE LOAN MODIFICATION WAS COMPLETED BY XX/XX/XXXX. SHELLPOINT MORTGAGE SENT ME MY 3 TRIAL MOD PAYMENTS STARTING XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX IN THE AMOUNTS OF {$2500.00} WHICH I DID SET UP TO BE DRAFTED AUTOMATICALLY WITH MY POINT OF CONTACT MANAGER.

AFTER THE TRIAL MOD WAS COMPLETED, SHELLPOINT MORTGAGE SENT THE PERMANENT MOD TO BE SIGNED AND NOTARIZED, HOWEVER, I NOTICED THAT THEY PUT NOT ONLY MY NAME AS BORROWER BUT MY EX HUSBAND 'S NAME AS NON-OBLIGOR TO BE SIGNED AND NOTARIZED BY BOTH OF XXXX. I RECEIVED THIS ON XX/XX/XXXX. I CALLED XXXX ON MONDAY XX/XX/XXXX, EXTREMELY IRATE AND TOLD THEM THAT THEY MADE A SEVERE MISTAKE. MY EX HUSBAND AND I HAD QUICK CLAIMED THE DEED TO MY BROTHER IN XXXX AND MY EX AND I HAD DIVORCED IN XXXX, SO THERE IS NO WAY MY EXHUSBAND COULD BE ON MY DEED AS A NON-OBLIGOR TO SIGN ON MY FINAL MOD AGREEMENT. IF ANYTHING, IT SHOULD STATE ME, AS THE BORROWER AND MY BROTHER AS THE NON-OBLIGOR, ALLOWING BOTH OF US TO SIGN AND NOTARIZE THE FINAL MOD. SHELLPOINT, STATED, THEY WOULD RESEARCH IT AND GET BACK TO ME. ON TUESDAY, XX/XX/XXXX, A SUPERVISOR FROM SHELLPOINT MORTGAGE CALLED AND STATED THAT, ALL THEY NEEDED WAS A COPY OF THE QUICK CLAIM DEED AND ALL WOULD BE WELL. TUESDAY EVENING, I FAXED THE COPY. ON FRIDAY XX/XX/XXXX, I CALL SHELLPOINT AND SPOKE TO MY POINT OF CONTACT MANAGER AND HE INFORMED ME, THAT SHELLPOINT HAD RECEIVED THE QUICK CLAIMED DEED AND THAT THEY WOULD BE SENDING OUT A NEW AND CORRECTED MOD AGREEMENT WITH JUST MY NAME ONLY AND ALL WOULD BE WELL. ON XX/XX/XXXX, I RECEIVED AN EMAIL FROM MY POINT OF CONTACT MANAGER AND TO MY ASTONISHMENT, WHAT I THOUGHT WAS CORRECTED AND WELL, WAS DEFINITELY NOT. MY POINT OF CONTACT MANAGER STATED THAT, SINCE MY BROTHER WAS GRANTEE ON THE RECORDED DEED, HE WILL NEED TO ASSUME THE MORTGAGE INSTEAD OF IT BEING MODIFIED IN MY NAME. I WAS QUITE IRATE AGAIN. ON XX/XX/XXXX, I CALLED THE POINT OF CONTACT MANAGER AND HE STATED, ALL THAT CAN BE DONE IS THAT, MY BROTHER HAS TO ASSUME THE LOAN AND APPLY FOR A NEW MODIFICATION BECAUSE HE CAN'T BE ON THE DEED, WHILE I AM ON THE MORTGAGE. I WAS INFORMED THAT, IF WE DID NOT DO THIS, I MUST EITHER SHORT SALE MY PROPERTY OR IT WILL BE FORECLOSED ON. I HAVE DONE EVERYTHING IN MY POWERS TO SAVE MY PROPERTY, WHERE I WANT TO CONTINUE TO LIVE. I NEED HELP!!!
Product: Payday loan, title loan, or personal loan

I just feel like these places are legitament businesses but are undermining DUE PROCESS being unprofessional to it's potential customer. Why are we subjected to pull out our cell phones for them to call to see if it's on or not? 

Why do we have to WAIT to a weekday to VERIFY our employment when they are requiring your paystubs and bank statements applying on Saturday when your off but your company you work for is closed on the weekends. 

They are very unprofessional not real business like practices acting like street hustlers instead of a legit business that has protection at the BOTTOM LINE for those loans. If a person submit their info and it's fraud then TAKE ACTION when it occur like a police officer get a call for a bank robbery they deal with it after not before! 

If you committ a crime you do the time. This is a business environment you are taking RISKS either way loaning money out. THEY NEED TO KEEP IT ON A BUSINESS DUE PROCESS LEVEL and stop treating everyone as CRIMINALS being put under their unprofessional practice for it's consumers. Elimanating that calling your phone calling on the spot other words if you don't have a phone they'll deny you when they NEED TO BE HANDLING BUSINESS THROUGH THE MAIL. 

All these XXXX SC loan places title loans, installment, check writing loan all are doing this street hustler foolishness. Bottom line if someone default after going through a legit process those companies still will get a write off or their company insurance will cover it.

You all need to address this issue QUICKLY shutting it down making these businesses get back to professional standards towards it potential customers. Making them put other methods in place for us consumers having to wait until Monday when you off Saturday and need the money Saturday. They all are acting so petty and not leaning at their business protection for those loans actually looking more like PREDITARS to the consumers GREED-GREED-GREED attitude having no form of business class. XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Date occurred : XX/XX/2021 Location : XXXX, Texas Approx. Time : XXXX XXXX 

Amount : {$1500.00} ( XXXX-XXXX, XXXX-XXXX, and XXXX dollars ) Details are as follows : I received a notification from my financial institution notifying me that I wire transferred the listed amount above to, an unknown receiptient. As soon as I received the notification, I immediately called Wells Fargo 's Fraud/Online ACH department to report the unauthorized transaction. The representative began a claim on my behalf, and after the case was processed the results indicated that there was no suspicious evidence to report. The financial institution claimed that I received a confirmation code to approve the transaction, but I never did. I requested official cellular data transcripts from my cell phone provider to further prove I did not receive that message but I need a lawyer and/or subpoena to acquire those documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I submitted a CFPB dispute and PRA responded back to my CFPB complaint with the verbiage that they are not in fault and they alleged that the Credit Reporting Agencies are at fault. After compiling research this is common tactic and practice of PRA. There are numerous compliments with the XXXX  and the CFPB of PRA reporting as a Factoring company and reporting collections as Installment loans. It is my belief that PRA employs this tactic as a collection practice in order to severely damage a person credit report and to keep the collection scored as both a collection and delinquent revolving account in an unethical and unlawful matter in order collect on more accounts and to recover more revenue. This inaccurate reporting is something that I will continue to fight and I will explore every avenue until this inaccurate trade line is deleted. PRA is breaking FDCPA 803 ( 4 ) which states that ...

" A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor '' FDCPA 803 ( 4 ).

PRA continues to report their account type as a Factoring company, revolving accounts/ " Installment Loans '' with " Collection '' status and with " Terms ''. This reporting in a violation of FDCPA 803 ( 4 ). PRA is not a creditor and can not report in this manner. There reporting is damaging my credit in a incorrect manner. The reporting is scored as a delinquent installment loan/ delinquent revolving account and as a current collection. A collection is not a delinquent installment loan and should not be reported in this matter.

I have attached a photo of XXXX credit report as evidence and in the original complaint date XX/XX/XXXX I attached a photo from XXXX.
Product: Money transfer, virtual currency, or money service

I want to apologize for the last report it was resent on accident the reason why Im typing this is because I believe my case should be reopened, I was not only scammed XXXX $ like I explained in the last cases this guy scammed me from {$1300.00} from mr my music platform was never reactived and I didnt receive any money that I made, pleas reopen my case this guy took almost XXXX $ from me it is simply unfair I never got what I paid him For, please help his pay pal emails are XXXX and XXXX his name is triu-vn-dng please help I added photos of his XXXX, his Email and of his pay pal account please help get my money back
Product: Payday loan, title loan, or personal loan

To Whom This May Concern : I have an account with XXXX XXXX. The manager was reaching out to me to speak about a payment on the account. When she could not contact me during the day, she pulled a report and found my grandfather 's information and contacted him. Information, according to my grandfather 's significant other, was given out in regards to an amount of time the loan could be behind. The manager mentioned, " she has been trying to reach me for over a month. '' Feeling skeptical about the information given to them, I filled out a Cease and Desist letter informing the company they may not contact me or my references over the phone due to the issue. I also stated that any correspondence would need to be provided through the mail. 

On XX/XX/2018, months after the incident, I received a text message about my account on my phone. I contacted the company and informed them of the issue. I was informed by the branch manager that I would need to call home office. When I contacted home office, they insisted in taking my information, to have a manager call me back, even though I mentioned they could not call.

The branch manager at the XXXX location makes people feel intimidated and requires they must stop by the office. She raised her voice with me and insisted on making a payment arrangement when I contacted over the issue of receiving the text message. 

Please feel free to contact me if you need any further information. 

( If more dates are needed, I will gladly provide them XXXX This company should have the Cease and Desist on file, as I physically took it into the XXXX office and watch the manager fax/scan it over. 

Thanks again for your help! 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian continues to report a late payment on the account XXXX XXXX XXXX  Account # XXXX there is a late payment listed that only Experian is reporting. How were they able to verify this information when the other 2 consumer agencies have no such information.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the placement of a Commercial Fraud Alert on my credit report & Removal concerning XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. This request stems from fraudulent activity, contract irregularities, and continued violations of federal consumer protection laws associated with my account. Below, I outline the key issues and provide supporting evidence for your investigation.

Details of the Issue 1. Payments Never Late : All payments on this account were made on time, and I never defaulted on my obligations.

2. Failure to Validate Debt : On XX/XX/year>, I submitted a formal request under the Fair Debt Collection Practices Act ( FDCPA ) for a Debt Validation and issued a Cease and Desist letter. During a conversation with an XXXX agent named XXXX, I was informed that payments would be ceased until the debt could be validated. Despite this, XXXX later sent a letter reflecting a debt amount of {$0.00} and claimed they are not debt XXXX. Nevertheless, they continue to send billing statements, raising serious concerns about the legitimacy of the debt and the identity of the actual creditor. 
XXXX. Violation of Cease and Desist Request : XXXX knowingly disregarded my Cease and Desist request by continuing to send bills and correspondence despite acknowledging that the debt amount was {$0.00}. 
XXXX. Erroneous Contracts and Misleading Representations : The contracts associated with this transaction contain significant errors, including references to a third-party entity that was not part of the original contract. In their response to my CFPB complaint on XX/XX/year>, XXXX stated : XXXX dealerships are independently owned and operated, and XXXX has an arms-length relationship with them. The customer should contact XXXX to express their complaint about the dealership. XXXX will stop sending the customer written or oral communications, other than those that are legally required. The credit application, the contract, and payment history were sent to the customer. 
This admission further underscores the irregularities and lack of clarity regarding the true parties to this agreement.

5. Continued Billing and Credit Reporting : Despite AHFCs response and acknowledgment of their arms-length relationship with the dealership, they continue to send billing statements and mark my credit report for late payments, which is in violation of federal consumer protection laws.

6. Refund Due for Payments Made : Given XXXX  failure to validate the debt and their own letter reflecting a {$0.00} balance, I am entitled to a refund for all payments made on this disputed debt. 

Supporting Documentation XXXX  response to my CFPB complaint, dated XX/XX/year>, acknowledging their arms-length relationship with the dealership and including the credit application, contract, and payment history. 
A copy of AHFCs letter reflecting a {$0.00} debt amount. 
Proof of payments made to AHFC despite their failure to validate the debt. 
Evidence of XXXX continuing to send billing statements and marking my credit report for late payments despite the lack of validation.
Product: Debt collection

I am not liable for this debt with XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with LVNV FUNDING plus they did not provide me with the original application like I asked. 

account number : XXXX amount disputed : {$970.00}
Product: Student loan

My student loan servicer Mohela moved my student loans to a new platform. In doing so, the website is much less informational and easy to use than the previous website. I was sent a message on XX/XX/XXXX stating my student loans were to start even though they were supposed to be put on administrative forbearance ( communication on XX/XX/XXXX ). In addition on XX/XX/XXXX I received communication my account was still on forbearance to review my plan. On XX/XX/XXXX I received communication from Mohela stating my forbearance would end and autopay would resume in XXXX of XXXX. I was encouraged the platform to confirm my autopay in preparation. Instead, on XX/XX/XXXX and XXXX was charged two separate payments of {$580.00} to my bank account despite being in forbiddance. I never agreed to this. I received communications on XX/XX/XXXX from Mohela stating my Autopay information was confirmed but no indication I would be charged. I also received a statement the same day incorrectly which was also showing a due date of XXXX, not a charge in XXXX ( even though I was on forbearance ). I spoke with Mohela on XX/XX/XXXX to speak with them regarding the mistaken payments. I was not offered a refund and simply a case was placed to review with no other communication or confirmation. In addition, when speaking with a representative I enquired about a separate communication I received on XX/XX/XXXX stating my payment schedule changed. It stated I was paying {$580.00} when a standard repayment plan was {$430.00}. This directly violates an IDR as I am being charged more than a standard income repayment. To date no further has been taken by the company to resolve this issue and I am of the belief it is intentional to commit fraud.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX XXXX XXXX, am a natural person, and I am physically submitting this dispute letter. This dispute letter is NOT being submitted by a third party.

Upon further review of my consumer credit report, I discovered a number of violations on my consumer report that were previously brought to your attention in a previous dispute. There has been no attempt on your part to correct these violations. I am expressing my concern and bringing it to your attention for a second time. I demand that you remove these items from my consumer credit report.

ACCOUNTS ACCOUNT XXXX XXXX XXXX XXXX  Reporting violations 30-, 60- day lates in XXXXXXXX XXXX XXXXXXXX ; 30- day late in XXXXXXXX XXXX XXXX ; 30- to120- day lates in XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  Reporting violations 30- day lates in XXXX and XXXXXXXX XXXX XXXX ; 30- to 120- day lates in XXXX of XXXX XXXX XXXX XXXX Reporting violations 30- day late in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting violations 30- , 60-, 90- day lates in XXXX XXXX XXXXXXXX XXXX XXXX  Reporting violations 30-, 60- day late in XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting violations 30- day late in XX/XX/XXXX According to FCRA 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : Except as provided in paragraph ( 3 ), the term credit 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 ; Experian is in clear violation of 15 USC 1681. This unauthorized disclosure of late payments on my consumer credit report is defamatory, thereby causing me to be denied credit and fair access to homeownership.

Delete the late payments listed from my consumer credit report immediately. Failure to respond satisfactorily with deletion of the accounts referenced and a free copy of my consumer report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking damages of {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 USC 1681n ] Thank for your cooperation regarding this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.
Product: Mortgage

LenderLive was acting as loan processor for a loan for me. I refinanced the house and the loan was paid off in XX/XX/XXXX. I expected a check for the $ XXXX in escrow they were holding, but after multiple telephone calls to them at ( XXXX ) XXXX, I still have not received a check. 
The first time I called them, I verified the address they were sending the check to with their representative. The address they had on file was correct. Since then I have spoken with them XXXX times and everytime the reason for me not having the check is different. The last time ( on XXXX XXXX ) I was told they had overnighted the check to me XXXX with it coming back to them as undeliverable. The really strange thing about this is that I received something at the same address ( from them ) XXXX weeks prior. In that conversation, I gave their representative ( XXXX ) my work address and she said I would have a check Friday morning or this morning. Our overnight mail just came in ... no check.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be fixed from erroneous reporting in my file. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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