23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is related to my initial complaint # XXXX which CFPB has closed. Shellpoint Mortgage responded with erroneous and inaccurate information. The responding correspondence from Shellpoint dated XX/XX/XXXX is requesting " a signed, dated later explaining the nature of any bank deposits greater than {$1000.00} on your XXXX and XX/XX/XXXX bank statements ''. This request is nothing more than an attempt to delay and to charge additional late fees. I sent to Shellpoint each and every document/bank statement requested and reported all of my income. My bank statements show deposits from the Social Security Administration clearly identified as " SSA Treas XX soc sec '' in the amount of {$1400.00}. I also received a call on XX/XX/XXXX from XXXX at Shellpoint requesting the same information. She had my bank statements in front of her during our conversation. She stated that she saw no unexplained deposits over {$1000.00}. She acknowledged the automatic deposits from Social Security. She apologized for the call and said she did not understand why the underwriter was requesting this information. Again more erroneous and incorrect information wherein Shellpoint lays blame on the investor/underwriter. Additionally, I received a certified letter from Shellpoint dated XX/XX/XXXX ( attached ) stating the same thing that XXXX XXXX informed me of with a phone call ; that a loan modification would increase my monthly payment and my interest rate would remain the same. The letter also states the denial is NOT based on my income. So that resolve is erroneous because my request for a loan modification is based on a reduction in my pension that was approved by the United States Department of the Treasury, so how is that fact of my income reduction disregarded? In my appeal to Shellpoint 's denial, I requested full disclosure on how they determined denial. The only information enclosed in their response was loan history from the origin. The response did not address any disclosure of how it arrived at the denial. Also, the letter refers to a post-modification which I have no knowledge of. I have never received a modification from Shellpoint. The only adjustment Shellpoint made in my account was a reduction in my tax impounds based on an error wherein Shellpoint blames XXXX XXXX XXXX for. I believe the only reason this letter was sent was to satisfy the 45 day response time. Shellpoint did not give full disclosure or answered any of my questions regarding denial of my loan modification. In the phone conversation with XXXX, she also said I was credited the {$170.00} for the unnecessary same-day appraisal that Shellpoint demanded and invaded my privacy. That was false information. I have no credit showing on my XX/XX/XXXX statement for that amount. Shellpoint appears to be making up scenarios as this goes along. In the meantime, they continue to charge me late fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with experian and XXXX both and provided them with my bankruptcy shedules showing that XXXX was NEVER listed and was purposely omitted from my bankruptcy chapter XXXX. The status on the XXXX account should NOT state included in bankruptcy this account is also still currently OPEN it is NOT closed. It is just inactive because its not being used
Product: Payday loan, title loan, or personal loan

I got a lease-to-own loan from Acima on XX/XX/XXXX at XXXX, this had a 90 days payoff/buyout. I made all automated payments and paid off my account on their portal for XXXX on XX/XX/XXXX which was the payoff option on the portal. 
Last week Saturday at XXXX pm XXXX ( 3 months after payoff ), I got an email from Acima about my least past due and they were processing my card on file for a payment of {$300.00}. Then i called their customer service to ask why they were trying to charge my account after paying off the loan. The customer service rep said their was another payment on XX/XX/XXXX that was pending and didn't go through that why the account was reopened. I did not get a pending charge notification like they do for for the payments of XX/XX/XXXX - XX/XX/XXXX, and my bank did not see any charges from acima which was rejected. 
While asking for all my payment history that was deleted from the Acima portal and instructing them not to charge my account until they provided detailed record on my account the customer rep hanged up on me. 
I went on to send an email to their customer support XXXX XXXX. 
Sat XX/XX/XXXX XXXX PM Hello, I have fulfilled the payoff on this account on XX/XX/XXXX and do not authorize any further charges on my account till I have been provided a payment statement on this account to show any money that was never processed according to the Acima representative I spoke to today Saturday, XX/XX/XXXX at XXXX XXXX who hanged up without providing any information on getting my payment statements that were removed from the Acima portal. 
I do not have any emails of any payment charge pending for XX/XX/XXXX, or any email or notification of a failed payment for the month of XXXX from Acima or my bank, till today XX/XX/XXXX at XXXX XXXX  stating my lease renewal payment with Acima is past due. 


Date XXXX paid XXXX XX/XX/XXXX paid XXXX ( XXXX ) XXXX paid XXXX ( XXXX ) XX/XX/XXXX paid XXXX ( XXXX ) XXXX paid XXXX ( XXXX ) XX/XX/XXXX paid XXXX ( XXXX ) XX/XX/XXXX paidoff XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation of debt in XX/XX/2020 on two accounts with LVNV Funding and no response was given, yet when I started an investigation with all 3 credit bureaus, the results came back as verified and updated with no proof. I have went through at least three rounds of disputes and the collection company still claims all info is accurate yet information like open date and last activity are different across each bureau. There is also a past due amount reported on both accounts which is an FCRA violation. These accounts have also been removed/closed from my credit report on all bureaus but have been placed back or reopened on XXXX  and XXXX  which is also illegal. I demand these inaccurate accounts to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres a XXXX account on my credit report that was charged off. I had it removed from XXXX but for XXXX and equifax it remains. I settled the account for fraudulent charges and we agreed the account would be removed from my credit report. Theres also a XXXX account that was charged off for {$1400.00}. I lost my card and these charges were fraudulent but XXXX is holding me responsible. I have this XXXX account removed from XXXX but it also remains on my equifax and XXXX credit report. Ive tried resolving the issue with XXXX for over XXXX years but theyre still holding me responsible for fraudulent charges
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with XXXX  XXXX XXXX Account # XXXX, XXXX XXXX # XXXX , XXXX XXXX XXXX Account # XXXX, And XXXX 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.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have found that TRANSUNION has been violating my consumer rights by misreporting dates on accounts that will adversely affect my credit score. 


12 XXXX XXXX XXXX THEY REPORT THE " DATE OF LAST PAYMENT '' as XX/XX/2019 ... This is a RE-AGED Account. NOT POSSIBLE!!!! 

06 XXXX XXXX THEY REPORT THE " DATE OF LAST PAYMENT '' as XX/XX/2019 ... This is a RE-AGED Account. NOT POSSIBLE!!!! .... 

11 XXXX XXXX XXXX THEY REPORT THE " DATE OF LAST PAYMENT '' as XX/XX/2019 ... This is a RE-AGED Account. NOT POSSIBLE!!!! ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I received a letter from XXXXXXXX XXXX that told me that there was an application for an XXXXXXXX XXXX XXXX, and they were unable to verify my Social Security number so they were unable to issue a card. However, there was an inquiry into my credit score. The date of the initial transaction was XXXX XXXX XXXX and XXXX XXXX XXXX XXXX got a copy of my Equifax credit report ; that I did not apply for nor authorize. I called Equifax immediately and had a fraud alert and a freeze on my credit report. Additionally, the address on the XXXX denial letter is my old address, we moved over a year ago and that is not my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are all reporting incorrect information for XXXX XXXX ; Therefore in violation with FCRA guidelines. They have incorrect open dates all showing different, they have incorrect amounts and status. It so many discrepancies and have been in full violation of FCRA, because of this they must permanently delete this from my credit profile and do not continue to report from this debtor. I have attached screenshots showing proof of the erroneous information.
Product: Debt collection

I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject. 

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative. 

XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative. 

XXXX XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself oXXXX XXXX XXXX XXXX XXXXXXXX customer service representative XXXX 

XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative. 

XXXX XXXX XXXX XXXX XXXX  Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative XXXX 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Product: Student loan

MY ACCOUNT IS PAID IN FULL! My account will get adjusted them payment will reverse back to account balance but not back to my bank account
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiry To Whom It May Concern, I am writing to dispute an unauthorized credit inquiry that appears on my credit report from your company. The inquiry in question is as follows : Date of XXXX : XX/XX/year> I did not authorize this inquiry and believe it to be an error. Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer or those permissible under federal law may be included in a credit report. As I have no record of authorizing this inquiry, I request that you provide me with documentation to verify that this inquiry was, in fact, authorized by me. 
Please provide the following information : A copy of the authorization that was given to initiate this inquiry. 
The name and contact information of the person or entity that requested the inquiry. 
The purpose of the inquiry. 
If you can not provide this documentation, I request that you promptly remove this unauthorized inquiry from my credit report. 
Legal Basis for Dispute According to the Fair Credit Reporting Act ( FCRA ) XXXX, a consumer report should contain information solely as to transactions or experiences between the consumer and the person making the report. Unauthorized inquiries, being non-transactional, should not appear on my credit report. 
Additionally, under the XXXX XXXX ( 15 U.S. Code 6802 ( XXXX ) ( b ) ), financial institutions must respect the privacy of consumers ' nonpublic personal information, which includes their credit report details. The inclusion of this unauthorized inquiry is a violation of my privacy rights. 
Request for Action Given the unauthorized nature of this inquiry and the legal requirements for accurate credit reporting, I request the following actions be taken immediately : Remove the unauthorized inquiry from my credit report. 
Provide written confirmation that this inquiry has been removed. 
Ensure that no unauthorized inquiries from your company appear on my credit report in the future. 
I have enclosed a copy of my credit report highlighting the unauthorized inquiry for your reference. 
Please investigate this matter and rectify the situation promptly. As per the Fair Credit Reporting Act, I expect this dispute to be investigated and resolved within XXXX days of your receipt of this letter. Additionally, I request written confirmation of the corrections and an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I applied for a loan and accidently gave my account login information to the loan company which it turn out was trying to scam me, but i alerted usaa federal savings bank before they had a chance to get anything from my account, but they said that since i had been scammed before by an ex girlfriend about XXXX  years ago, that they were closing my account and no longer wanted my business, but they are taking XXXX  days to release my funds to me and because they will not close they account my future checks for the month of XXXX are going there causing me financial hardship as i am already living check to check as i was blown up in XXXX back in XXXX of 2005 and lost my eyesight and recieved the purple XXXX, i tried to explain to them that this is the only funds that i have and i need my money to pay my bills because i do not want to starve to death or lose my house they keep telling something about company policy will not let them release my funds to me.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings account. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 XXXX Saving 's Account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

On XX/XX/XXXX of 2023 I sent this company a certified letter asking for an itemized list to verify debt. I disputed the debt at that time. Well over 30 days later I have still yet to be sent this debt validation and in addition they are still calling and leaving harassing voicemails. I would like this debt removed from my name immediately in accordance with the laws around consumer rights and federal regulations.
Product: Checking or savings account

I had money in the account at the time of purchasing but the bank will make it look like I didnt have the funds and charges me over draft fees on my account. Its been like that since Ive opened an account with Navy Federal Credit Union the first time which was years ago and the previous account I just had with them was just done the same way.
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. 

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 XXXX XXXX XXXXXXXX : 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.
Product: Mortgage

My mortgage company continues to pay the incorrect property tax disbursement. They did this in XXXX and again in XXXX. I went through the process of trying to resolve and after several months was told the XXXX issue would be resolved with the overpayment credited back to my escrow account. They would not redo the escrow analysis which resulted in my monthly payment increasing. The overpayment was credited on XX/XX/XXXX as a mortgage payment in the amount of {$5600.00} but on XX/XX/XXXX a tax disbursement was incorrectly sent in the amount of {$5600.00} followed by a tax disbursement on XX/XX/XXXX for {$5700.00}. I've attempted to contact Ally numerous times to resolve this issue and ask they address this to prevent it from happening in the future given this error has occurred each year for life of loan. I get no responses or updates to my inquiries.
Product: Credit reporting or other personal consumer reports

This is a follow and complaint about Experian. This letter serves as a final attempt to resolve this matter before pursuing arbitration. 

On XX/XX/, I submitted a request to Experian advising them I did NOT give them permission to report certain information as is my right under 15 USC 6802. Specifically, I requested the removal of non-public information that was inaccurately reported. Experian responded by stating that the information was verified with an alleged creditor, which further violates my rights because as the consumer I have the right to privacy. I am attaching a screenshot of this account and have noted the inaccuracies on it to which I am now confused how any of it was " verified ''. 


Despite my request and the clear violation of my rights, Experian has failed to correct the inaccurate information on my credit report. Therefore, I am left with no choice but to proceed with arbitration to seek resolution. 

If Experian does not remove the inaccurate information associated with XXXX from my credit report within 30 days of receipt of this letter, I will initiate arbitration proceedings to have my case heard. Please be advised that this decision is based on Experian 's failure to comply with federal law and correct the inaccuracies as requested.
Product: Credit card

Hi. there! 
Thank you so much for setting this window for us to tell our complaints! 

" XXXX XXXX is a partner of Wells Fargo, and it's credit card, but it also has the " make rent payment '' feature, which could earn reward points, and the rewards will be automatically adopted in your next rent payment. " This is the most reason attracts me to use it make my rent payment. 

On XXXX XXXX XXXX, I uses my XXXX XXXX XXXX to make my apartment payment. At the same day after I submitted the payment, an email from XXXX shows the payment was made successfully, and later on in the XXXX app, the payment history also shows everything in normal, and {$40.00} points was also adopted automatically in this payment. Based on this, I thought everything should be fine at this time. The reason I was so cautious on this because there is a bad experience with them before, on XX/XX/2023, the credit card had failed on me once, and it caused me lose {$50.00} inconvenience fee in the leasing office. Since the failed payment was informed to me in time so that I was only charged {$50.00} by the leasing office. However, at this time, it failed me again until 4 days later, the leasing office people come over hand me a delay fee plus inconvenience fee, which was total {$170.00} like. Ridiculously, I didn't receive any email to inform me about the failed payment before leasing office came over. 

After the same thing happened twice on me with the same stupid credit card, I now really can not pretend nothing happen, and I can not losing money for this kind of stupid thing again. 

So far, I already talked with them over 12 times on the phone, but they denied my reimbursement request, and their excuse is that I didn't turn on the key button while using it to make rent payment. The question is where is the key button, and why do we need to set a button for making a payment? I don't even know this feature before. if it has, then they should turn it on when the first payment failed on XXXX, how come they let it in off status until the second payment failed again? Plus, if the button is off, and why their API system didn't email me at the same day to avoid the unnecessary loss happen? 

Overall, the XXXX company has a lot of issues. By the way, the interest rate they charge also way higher than other credit card companies.
Product: Credit reporting

I changed my name more than a year ago. The other day I noticed my credit score was declining when I checked it on my XXXX account. I tried to get a free report with my new name from the XXXX website but i was not successful. I requested a credit report via mail more than three weeks ago by submitting all the required information but I have not received anything yet. I have tried to contact them multiple time but i have not been successful yet. What am I supposed to do if there is no a physical building or a person I can talk to directly? 

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

I was a victim of identity theft. Per FCRA section 605 you are required to BLOCK any accounts listed on an IDTheftReport. Ive already included this report in a previous complaint & I have included it again. This complaint is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. This is your final warning. Please remove the following items listed on my fraud report. Please re-investigate this matter and correct the disputed items as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX