23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have corresponded with this company EQUIFAX multiples times in reference to these alleged debts in the amount of {$670.00} and {$1000.00}. I have asked the company multiple times to verify these alleged debt showing me something with my signature on it cause I do not recall having these accounts. I have also sent them a police report, along with a letter and all they have sent me was a statement saying they verified it and they are still reporting on my credit report. Attached is my last correspondence with this company back in XX/XX/2022. I believe they are fraudulently reporting this on my report.
Product: Mortgage

On or around XX/XX/2021, I called Shellpoint Mtg to inquire how to have my payments applied to my principal balance and deferred principal balance. I spoke with a man who informed me that the principal balance on my account was {$130000.00} and the deferred principal balance was {$650.00}. He assured me that I could pay these balances which would leave only accumulated late fees on my account. I made the payments separately as he stated it would be easier to apply them to the correct balances. I received confirmation number XXXX for the {$1300.00} and confirmation number XXXX for the # XXXX. Both amounts have come out of my checking account on XX/XX/2021. To my dismay when following up on my balance on XX/XX/2021, I spoke with XXXX XXXX and found that XXXX applied my {$650.00} to the monthly payment amount, and the {$1300.00} was sitting in a dormant state and not applied to anything. After a long discussion she stated she was a team lead and would correct the issue by applying the funds where they were designated to go. She assured me it would be corrected. I called back on XX/XX/2021 and spoke with XXXX and as suspected the funds were still in the same state. I have been trying to pay this mortgage off but they continue to hold my funds to charge me more interest and late fees. I paid enough funds to have my entire principal balance paid off, but the automated recording is saying I have a payment due on XX/XX/2021. This is very poor customer service and bordering on illegal. How can you ask me for payments with my funds sitting in a dormant state. My next step is to go to my local news station, and XXXX concerning the practices of Shellpoint mortgage Servicing. I will send a copy of this to Senator XXXX XXXX when when creating the CFPB to stop this type of malpractice, needs to be informed that companys like Shellpoint are laughing inn her face and not taking the banking reforms seriously. XXXX XXXX will also receive a copy of this.
Product: Checking or savings account

Paypal put my account on limitation about 3-4 weeks ago and wanted me to provide proof of money transactions to be mine. I submitted all documents and bank statements that they asked for but they still decided to close my account and hold all my funds for 6 months. I did nothing wrong and dont deserve to be treated like this that is all the money that I have I need it back I have them what they wanted
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also these inquiries are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have fallen behind on XXXX of my private loans because I am making payments on other private loans, as well as the bare basics to live on. My parents, XXXX of whom is XXXX, have no way to make payments even though they are the co-signers. I am currently planning to make a move and job change to try to improve my situation. I have a previous arrangement with great lakes for a reduced payment of around {$140.00} a month however I was in the hospital and XXXX as well as other life-issues happen and have fallen behind, I am making small payments when I can every few weeks but the current " past due '' is over {$600.00}. They call my parents several times a day, threatening collections and demanding that they make a payment and threatening default - this happens every single day even on weekends though they never call my phone. I call them several times, explain the situation, asking them for any way to reduce or postpone the payments, to do anything to keep it from going to default - I simply can not pay what I do not have. They basically tell me time and time again there is nothing they can do, it does not matter. 

I am attaching email correspondance - I emailed them after speaking with several reps who suggested that I send an email because they were not sure which department could help me. I sent an email and got a reply saying " it looks like your question about your loan going into default was already resolved ''. WHAT??? I called again and FINALLY a nice rep informed me that basically the only way I can get any help or deferment or any kind of a different arrangement to AVOID default - he told me the only way to get any kind of help would be to enroll back in school and take out more loans. 

So my choices are to 1 ) default on my loans if I am unable to find a better job/more income, even though I am doing everything I can and will continue or 2 ) enroll in school when I 'm not sure I want to go back and take out XXXX more dollars in debt.
Product: Credit card

I was just charged interest of {$1000.00} on a {$2000.00} outstanding balance by a company called CARECREDIT. This would be interest charged in excess of 50 % ( they said the interest charge was 29 % which is unreal and also usurious ). This was financing for a dental procedure last year. Completely unacceptable and usurious interest charge with zero notification. Account ends in XXXX. I just made a payment but notice my balance had almost doubled since last month. I will NOT be making any additional payments until this matter has been resolved. I asked for them to have a supervisor call me but they said this was not possible-they offered only a live chat option.
Product: Checking or savings account

My company had several business checking accounts with BMO Harris from XXXX - XX/XX/XXXX. We switched to another bank due to better interest rates. 

My accountant noticed in XX/XX/XXXX that one of our BMO checking accounts cleared the same check number XXXX twice for two different amounts in XX/XX/XXXX. The check in the amount of {$1800.00} was issued by our company. However, the check for {$5000.00} was not ours. I immediately went down to my old branch and spoke with branch manager XXXX XXXX XXXX. She pulled both check images and immediately recognized that the {$5000.00} check was a fraudulant check. It did not look like our other checks, our business name was spelled wrong, it was signed and made payable by names not associated with our business at all. She admitted that it was indeed a bank error, that we should've been notified at the time of the duplicate check number. She said to get a police report and come back and fill out a fraud affidavit, which I did. She said the money will be put back in my old account within 30 days. I called her 5 weeks later and she said she'd call me back. She called me back and said her request was denied because I did not file a complaint within 90 days. She also said that she would not be able to get decision over turned because I was no longer a customer. I asked for her boss ' info. I then spoke with XXXX XXXX XXXX XXXX XXXX who also admitted that this was clearly a bank error and that he would contact his superiors for a refund. I called him 10 days later and he said he had bad news. Because I did not report the fraud within 30 days that I was responsible for the fraud. He said the same thing as XXXX that because I was no longer a customer he would not be able to get the decision over turned. I asked for his boss ' info. He said he would email to me but never did. I have never had any fraud issues with BMO in the 8 years I was with them. This was the first and only issue.
Product: Vehicle loan or lease

On XX/XX/XXXX I realized that I had paid my last 2 car lease payments through my debit account to Chrysler Capital instead of XXXX XXXX. Once I contacted Chrysler they asked that send via fax copies of my bank statements proving that the payments were taken out of my debit account and sent to them. I faxed them the next day showing that 2 payments were made in the amount of {$360.00} on XX/XX/XXXX and XXXX XXXX of 2017. I contacted Chrysler a few days later to make sure they received my faxed information and they said they did and that I would be receiving my payments within 30 days but after speaking to a supervisor they would try to expedite the refund. On XX/XX/XXXX I contacted Chrysler again seeing the status of the expedited refund, still no information other than Id be receiving it around XXXX XXXX, 2017. I again asked to speak to a supervisor begging that they expedite this process and get me back my 2 refunded payments in the amount of {$730.00}. On XX/XX/XXXX I contacted again to see if the process had been expedited and there was no further information other than I would either be receiving a XXXX Gift Card or a check in the mail. I explained I did not want a XXXX Gift Card, I wanted the money deposited back into my debit account or a check. XX/XX/XXXX I contacted Chrysler again because I did not receive a check or gift card on the day as promised. I spoke with a supervisor again and he informed me that the XXXX Gift Card was sent out that day. Today is XX/XX/XXXX and I still do not have a XXXX gift card. The supervisor told me that I was to receive a XXXX Gift card since the refund was under {$500.00}. I expressed that the refund should be in the amount of {$730.00} because it was 2 payments that Chrysler accepted after my lease was up! The supervisor said they only had notes of 1 payment. I explained that that was incorrect and that I had faxed all documents needed to expedite the process for my full refund. The supervisor said hewould send the message along to the finance department and they would be contacting me within 24-48 hours. Well it has been the 48 hours and still nothing, no refund, no call, no XX/XX/XXXX Gift Card.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

REASON FOR MY COMPLAINT : Misapplied Federal Housing Administration guidelines in denying my request and opposing my inclusion for the XXXX recovery state assistance option. 

I applied for the XXXX program with the state in XX/XX/XXXX. A representative from the state notified Mr. Cooper of my approval XX/XX/XXXX and Mr. Cooper erroneously opposed my participation XX/XX/XXXX. 

As a result, I received a letter from the state XXXX stating : " Your mortgage servicer has objected to your inclusion into the program ''. 

I have several recorded and noted conversations with Mr. Cooper which confirm that Mr. Cooper had NO reason to oppose my acceptance into the XXXX program. SEVERAL representatives of Mr. Cooper stated that their HARDEST HIT FUND DEPT. received the inclusion/approval letter from the state and sent the denial/objection letter to the state of NJ/ERMA. I have also received a letter XX/XX/XXXX from Mr. Cooper affirming THEIR ERROR. However, in the same letter they erroneously stated that they/ Mr. Cooper do not determine the ERMA/State 's decision which is 100 % False as my XXXX/XXXX/XXXX letter from ERMA CLEARLY STATES as follows : Your MORTGAGE SERVICER has objected to your inclusion into the program. 

I trusted Mr. Cooper when they said they would try to resolve THEIR Error when they erroneously objected my inclusion into the XXXX. I also appealed the XXXX  denial letter with confidence Mr. Cooper would resolve the issue THEY created which now caused me to become delinquent on my mortgage due to loss of employment AND the understanding that I would be receiving XXXX funding because of being included in the program. To my heartbreaking disappointment, I was again deceived by Mr. Cooper. I received another letter from the state ( XXXX XXXX ) on XX/XX/XXXX which said as follows : After careful review of XXXX our decision is as follows : Your MORTGAGE SERVICER has objected to your inclusion into the program. 

I am unable to reapply to the XXXX program that I initially applied for in XX/XX/XXXX as I am still with the same MORTGAGE SERVICER. 

I previously submitted a complaint. Mr. Cooper 's response was NOT Accurate as their response states that they received an initial letter from NJ XXXX in XXXX, see my attached letters. XXXX XXXX received the confirm of my inclusion to the XXXX program in XXXX resulting in an XX/XX/XXXX denial letter from XXXX stating : Your mortgage servicer has objected to your inclusion into the program Mr. Cooper 's response was untrue as there are SEVERAL calls and notes confirming MY attempts to rectify THEIR MISTAKE. 

In closing : Mr. Cooper 's unfair Mortgage practice and errors have caused me financial risk and undue stress. I am seeking legal assistance at this time as I don't want any other customer to endure what I have experienced. 

This whole ordeal have been pain staking to me a single mother and my 3 children. 

I am requesting support from the CFPB as I believe Mr. Cooper 's actions towards me are an abomination. 

Help, XXXX XXXX
Product: Vehicle loan or lease

I have called Santander on multiple occasions to attempt to pay the remaining payments on the loan : 1. I have asked for a interest rate reduction because the vehicle is a total loss and the Santander loan no longer has collateral - SANTANDER DENIED MY REQUEST TO LOWER THE INTEREST RATE 2. I have asked for a payment extension/deferment for the past due payments - SANTANDER DENIED MY REQUEST BECAUSE THERE IS NO COLLATERAL
Product: Credit reporting, credit repair services, or other personal consumer reports

We have an opened Mastercard account at XXXX XXXX with XXXX  past due since XX/XX/XXXX. 
Although XXXX XXXX, the data furnisher, confirmed they provided, and still provides, accurate data on all months as reported fully paid on time ( see XXXX letter attached ) since XX/XX/XXXX, Experian refuses ( we spent hours over the phone ) to print the whole months paid correctly from XX/XX/XXXX up to XX/XX/XXXX ( see attachements ). The green dots only start to appear on XX/XX/XXXX instead of on XX/XX/XXXX. This omission in the PAYMENT HISTORY MATRIX of the credit history leads other agencies and lenders to conclude that the data are not available in the history before XX/XX/XXXX. This is a lack of accuracy in the representation. As the age of good standing history does matter a lot in the score computations it is absolutely fair to represent the full history with all dots with green points since XX/XX/XXXX in full within the payment history matrix in our report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The United States Bankruptcy Court failed to report payments to the three ( 3 ) credit bureaus from the Chapter XXXX Bankruptcy case in which there were payroll deductions made by XXXX XXXX XXXX as well as payments made prior to and after with a money order in the amount of $ XXXX a month.
Product: Debt collection

72 e-mails received of which 26 were received on a Saturday or Sunday defined as inconvenient time, 1 received on Saturday and outside the contact peiod, and 6 were multiple e-mails received at same time.
Product: Credit reporting or other personal consumer reports

I have an open investigation going on with XXXX, XXXX AND TRANSUNION regarding inaccurate information that is being reported on my credit file. XXXX mailed me a letter stating that it could not remove information from my report even though, I submitted proof that such information was inaccurate and incomplete. This is a violation of my privacy rights as a consumer as well as 15 USC 1681 ( a ) ( 1 ), 1681 ( a ) ( 3 ) and 15 USC 1681 ( a ) ( 4 ). In their letter they also mentioned that I needed to resubmit my identity theft report along with a copy of my ID. As a result, I'm sending copies of ALL documents to ALL reporting agencies to aid in the removal of the inaccurate and unauthorized items listed on my consumer report. Information on my report must be accurate among all reporting agencies including XXXX XXXX agencies pursuant to 15 USC 1681e ( b ). I have a right to have these items removed according to 15 U.S.C. 1681i.
Product: Mortgage

I refinanced my loan recently and the mortgage was assigned to a different servicing company with the first payment due on XX/XX/2020. I mailed a check on XXXX XXXX which the company confirmed was received before the end of XXXX, 2020. 
However, my payment has never been " posted '' to my account after over 4 weeks and I am now receiving phone calls and letters stating that I am Past Due on my account. Furthermore, the servicing company has now turned off my Autopay function and now my second payment due on XX/XX/2020 will not be processed causing me to remain Past Due on my account for 2 payments.

The servicing company has been contacted 4 times in the past 3 weeks regarding this issue and keep telling me that their Cashiering Department is not responding to requests for an update on this issue or that I will receive an update " in a few days ''. They can not confirm when it can be resolved by posting my original XX/XX/2020 payment.
Product: Checking or savings account

on XX/XX/2016, I transferred {$1000.00} from my PayPal account to my XXXX bank account. The XXXX account had been closed for a few months. I did not know that. It was not an account I used very often. I had a credit card associated with the XXXX account that I wanted to pay and use funds from the PayPal account. The money never hit the account cause, according to XXXX, the account didn't exist anymore and it's impossible to move money into an account that does not exist. 

I called PayPal a number of times to try and resolve this and, each time, the told me the money was moved and XXXX has it. We would get on the phone with XXXX and they would say the same : they wouldn't accept money for an account that does not exist. 

The PayPal trace request number is : XXXX I don't have the XXXX account # but the debit/credit cards associated with the account always pulled the account up and those are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I haven't called PayPal in quite some time because I couldn't stomach having them tell me there was nothing they could do anymore. 

Please help! 

Thank you so much.
Product: Checking or savings account

My account was closed when I deposited a work check and my direct deposit. They said that my location didnt match where I lived. I told them that I dont know why I was connected to a router and sometimes it pings and I logged in with the lady on the phone and it showed that it was me and that it still came from another location and I told her sometimes my phone does that because of the router and she said okay! They unlocked my account and then 5 minutes later they call me back and say we are closing your account and we will send you your money as a cashier check! No explanation but that Bank of America has the right to end business with you! I waited and waited and then I called and said hey I need my money to pay rent and they kept saying it will be closed at another date because I direct deposit coming in still and then I kept calling giving me the run around!
Product: Credit reporting or other personal consumer reports

Attached on the documents are XXXX separate information with inaccuracies on the XXXX account, account number XXXX. XXXX was reported originally, never updated but yet when I go into XXXX, its different information being shown, including the late payment months are totally different in XX/XX/XXXX and XX/XX/XXXX. Its illegal to have different information being reported and not being 100 % accurate. I strive to have accuracies on my credit report with on time payments. Please remove this account from my credit report if there is no evidence to prove the information reported is correct for all credit agencies.
Product: Money transfer, virtual currency, or money service

I sent {$180.00} using Zelle through XXXX bank to the wrong person. Zelle was not able to get it back the other person.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that XXXX XXXX  would verify the debt. So I took it upon myself to ask XXXX XXXX for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all invalid data that is hindering my credit profile. ive requested for my information to be validated an verified an have gotten no reply. this has caused major effect to my credit profile an needs to be corrected asap. please review an remove the listed items that are inaccurate to clear my credit report asap.
Product: Debt collection

I recently noticed a collection on my credit report for XXXX, XXXX, and XXXX, but i am not familiar with this debt. I sent out letters on XX/XX/XXXX and XX/XX/XXXX asking for verifiable proof that this debt belonged to me. I asked for hard evidence that goes all the way back to the original creditor, and not verification from a third-party database. I just received notifications that the dispute was finished and the debt collector " Revco Solutions '' was going to stay on my report, but i never received anything in the mail showing this debt belongs to me. This debt needs to be removed from my credit report according to the FCRA law.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX Date of Inquiry XX/XX/year>, XXXX Date of Inquiry XX/XX/scrub>XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>