23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shellpoint Mortgage had my new insurance information for over 30 days and didn't re-analyze escrow payment. Shellpoint refused to reanalyze after request was made in XXXX. In XXXX while they had my insurance information, they placed their lender hazard insurance in place after having my insurance for over 30 days. 

Come XX/XX/XXXX, I was sent notification from my insurance that Shellpoint had not paid my insurance from XXXX and we again charging myself for their hazard placed insurance. Which resulted in a XXXX increase in payment.
Product: Credit card or prepaid card

Shell Citi bank has reported nonpayment for 3 months, however, I have n't received a bill for either month.They are stating they have enrolled me in paperless billing without permission or acknowledging me.
Product: Credit reporting or other personal consumer reports

accordance with the fair credit Reporting XXXX  XXXX XXXX XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

XX/XX/year> I requested to please remove the phone number and to stop calling, also asked to not be recorded, but they insisted
Product: Mortgage

We are requesting short sale on an XXXX mortgage for a deceased veteran. The formal file was sent on XXXX/XXXX/2015 and additional information was requested and sent on XX/XX/XXXX. During followup on XXXX/XXXX/2015, calls to the customer service was transferred to multiple places and finally it was moved to and connected to the Single Point of Contact. The single point of contact then informed me that nothing was done on the file and there were no documents received on the field and nothing was done. We did receive email and fax confirmation that the document were received and but the servicer says there is nothing on file. Also informed that the process could take 3-6 months. That it deplorable for processing on and charged off, XXXX mortgage for a deceased borrower. Totally unacceptable. After three of submission there is not record for document receipt, the file is not open, and inadequate response form the servicerimprove the process of receiving documents from borrowers and confirm receipt. There seems to be no accountability on the servicer side. Only time delays and excuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to Experian, XXXX and XXXX. I have given documentation showing the item has been requested for payment for removal from the collection 's agency. Spoke with XXXX, customer service agent, from XXXX XXXX and completed the payment for request of removal. 

I am requesting the item is removed from my credit report to show the utmost updated information with accordance from XXXX XXXX sending on XX/XX/, establishing the payment for removal letter. 

Collections Agency : XXXX XXXX Amount : {$260.00} Confirmation Number : XXXX Requested : Payment for Removal Note : Enclosed is the receipt for payment on the account. In addition, XXXXXXXX XXXX sends payment for removal letters on the XXXX XXXX of each month. In my case, is XXXX XXXX XXXX Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the above item as soon as possible.
Product: Credit reporting or other personal consumer reports

I checked my report an discover a collection by XXXX XXXX for the amount of {$540.00}. i have no knowledge of this collection.
Product: Credit reporting or other personal consumer reports

Credit Karma is incorrectly reporting my XXXX XXXX XXXX balances as {$5.00} higher periodically every month. This is either because XXXXXXXX XXXX XXXX XXXX XXXX  is reporting the loans incorrectly, or because Credit Karma is reporting the loans incorrectly, or both. As a result, every month my credit score creeps downward by a little bit, like XXXX XXXX 

On XX/XX/2024, Credit Karma reports incorrectly show that my XXXX XXXX  loans went up by {$2.00}, {$4.00}, {$5.00}, {$6.00}, and {$7.00} ( I have 5 loans ). However, I am on the SAVE repayment program, I made my minimum payment due, and the balances did not go up according to statements from XXXXXXXX XXXX website. This caused my XXXX and XXXX scores to go down by XXXX XXXX XXXX XXXX 

Similarly, in XXXX, Credit Karma reports incorrectly show that the loans went up by {$7.00}, {$24.00}, {$84.00}, {$95.00}, and {$100.00}. I made minimum payments then, and the balances did not go up according to XXXX. This caused my XXXX and XXXX scores to go down by another XXXX XXXX XXXX XXXX 

What's more, Credit Karma website does not have a way for these complaints to be made. 

I've attached some corroborating documents.
Product: Credit reporting or other personal consumer reports

today is XX/XX/year> I closed the bank of america card a year ago, and just paid if off XXXX balance. 
It does not show anymore online and the auto voice with computer keeps telling me it will not send me to a human so I can ask for proof of payoff to get it finalized and showing with all credit bureaus. 

I can't find the number anymore as I cut up the card and sent it back to them a year ago. 
Can you please have them send me a o balance and closed account and alert the credit bureaus all of them.
Product: Credit reporting or other personal consumer reports

I received a credit alert regarding my debt. When reviewed, I noticed that a water softener installed in my home is reporting as a revolving charge account. The problem with this is that I made a 1-time purchase, signed a contract with fixed monthly payments of {$120.00} per month at 11.99 %. There was no charge card provided for me to continue using the available credit because it is not a line of credit that is re-accessible and there arent any products or services that I can purchase. There is no website or menu to purchase from. I do not have any other reasons to use this account. Again, this was a 1-time purchase, with fixed payments, no card to use because there are no other services or parts that I can order from this company. I called and discussed all of this with the lender and they refused to make any adjustments to how this account is appearing on my credit report. It has affected my score significantly because it looks like I have {$9000.00} more in credit card debt as a result of this water softener purchase. This should be reporting as an installment loan, not as an open revolving charge account.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to remove a negative item showing on my credit report. I have send information to Experian and the State of Michigan showing that State of Michigan messed up. I also have documents, court orders, and the Michigan Legislature law 552.512 to provide you to show that the State of Michigan messed up. I ask you to please resolve this matter as soon as possible .Thank you
Product: Credit reporting or other personal consumer reports

I am writing regarding the referenced account, XXXX XXXX Bank XXXX XXXX. Please note that I am not disputing this account but am requesting specific information to ensure that all details related to this account are accurate and compliant with applicable consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

After I reviewed my credit report, I am still seeing information that is reporting on my credit file that is not mine. Please help me in getting these items removed from my credit file : XXXX is reporting an incorrect address of XXXX XXXX XXXX XXXX XXXX is reporting an incorrect address of XXXX XXXX Also the following accounts are not mine. I do not know how anyone was able to access my personal information to open these accounts : XXXX XXXX XXXX is not mine and its reporting on XXXX ; Bal : {$22000.00} and it is reporting as a duplicate ; and again on Equifax There is also a bankruptcy that is inaccurately reporting on both my XXXX and Equifax file. 

I believe XXXX is acting as a credit furnisher. I have submitted request to creditor and they stated that I need to submit dispute to credit agency. However, XXXX is not complying.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX XX/XX/XXXX XX/XX/XXXX Account # : XXXX XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I have Requested from XXXX that this inaccurate information from Teachers, XXXX XXXX XXXX XXXX, be blocked and removed from my credit report. I believe all of these are result on my credit report due to not only one breach but 3 different breaches including the national breach, XXXX XXXX and Equifax of my personal information. I received an email and a letter from XXXX XXXX about a breach, but they told me 6 months after they found out. I continuously have information that pops up on my credit report that is fraudulent and inaccurate. I have sent detailed information including a credit report along with all required documents to experience for this information to be removed. I filed an FTC report number # XXXX the inaccurate information on my report is fraudulent as a result of I'm sure more than just these three breaches.
Product: Credit reporting or other personal consumer reports

My student loan provider is duplicating my student loans, I only have one student loan. But they continue to duplicate on all 3 of Credit Reports.
Product: Checking or savings account

I discovered a fraud charge of {$4500.00} from XXXX XXXX XXXX  in my Wells Fargo checking account and nothing has been done that was promised to me by Wells Fargo. First, this company had charged me around {$800.00} around XX/XX/2023. I contacted Wells Fargo and told them It was fraud and asked them to stop the pending payment and make sure no additional charges could be made. They canceled my card and assured me that no charges could be made. I contacted the bank about a week later to check on this and they said that there were no charges at all from the rental car company and they could not find any record of the {$800.00} charge that I had previously seen pending. However, a few days after that I received a {$4500.00} pending charge on XX/XX/XXXX on the canceled debit card and reported the fraud the same day. The fraud department said there was no way that I would be held responsible for this especially because it was on the canceled card, but then Wells Fargo has failed to do Its due diligence and I have not received any of the money back. I have received fee after fee ( close To {$1000.00} ) because of being overdrafted and this is causing so many more issues than just that {$4500.00} fraud charge, which is a huge amount for me in the first place. I did not rent a car. I have not rented a car in years and I know nothing about this charge because I went directly to my bank because of the large amount. Please help me. Im so scared this is literally running my life and my daughters life.
Product: Mortgage

In XX/XX/XXXX I called my mortgage company ( Nationstar ) to modify my loan as my interest rate was at 5.75 %. I submitted my financials and required documentation waiting to hear if approved for the modification. On XXXX XXXX I XXXX and I called the mortgage company to inform them of the change in circumstances. I was told not to worry about it. I was not offered the XXXX program of forbearance or payment reduction. I was finally approved to the modification ( or so I thought ) and closed XX/XX/XXXX, still XXXX at this time. I was rushed through the closing and when I had time to review the paper work a refinance was processed with closing costs of {$8200.00}! On top of that my rate was reduced by less than .50 %. 
My XXXX ran out in XX/XX/XXXX. I was unable to make payments and I called to see if there was anything I could do. I was told at that time about the XXXX forbearance but I was not eligible because my XXXX ran out. 
I started working again on XXXX XXXX and had signed a 150 day letter to cure expiring on XX/XX/XXXX. I was told to cure i would need to make XXXX payments {$8800.00}. I was in constant contact with loss mitigation XXXX XXXX and I told him I would have the payment on XXXX XXXX. I continued to call and have various representatives note I would Pay on the XXXX. When i called XXXX on the XXXX to make the payment I was told I was referred to foreclosure on XXXX and nothing could be done unless i paid over XXXX. They would not accept payment and as of today I have not received a notice of foreclosure. 
I can not apply for a modification until XXXX XXXX 1 year after the re-fi. my target sale date is XXXX XXXX.
Product: Mortgage

Freedom mort assessed our loan over {$400.00} in late fees that we do not owe. They refuse to communicate with me, except hiding behind a letter saying they wo n't reverse the fees with NO explanation or proof I owe these late fees. I have documentation that proves NO LATE payments have been made. I call them, they tell me to email, I email they do n't respond. They are lying about the late fees being owed on my account. They also raised our mortgage {$200.00} a month with no warning.
Product: Credit reporting or other personal consumer reports

JIn XX/XX/year>, I received a notification from my credit report indicating that a new account had been added by a company named credit9 LLC. Upon contacting them, I was informed that I still had to pay the debt. A few months later, I received another notification from the credit report showing an address ( XXXX XXXX XXXX XXXX NY XXXX ) where I had never lived. I reached out to all three credit bureaus to clarify that I did not reside at that address and that the account linked to credit9 LLC was not mine, likely due to fraudulent activity.
Product: Mortgage

Their newly updated website is completely unusable. Every time I try to make my mortgage payment, it sits idle for half a minute and then spits out an error saying there is something wrong. The entire website takes a very long time to load, even when I go to my profile to check what payment methods it has, it initially shows none, then after some time shows the payment method I use. 

The previous version of their website was at least functional, this is hindering me from being able to pay my mortgage on time.
Product: Credit reporting or other personal consumer reports

TRANSWORLD SYSTEM INCXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Re : Acct # XXXX This complaint is regarding account # XXXX with Transworld System Inc , which claims that I owe {$1800.00}, and account has been closed and charged off on XXXX. The company reported inaccuracies of the unknown condition in my credit file. Please terminate collection efforts on the debt and request the credit bureaus delete the tradeline for those inaccuracies per 15 USC 1681 ( a ). 
This is also formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from this company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if they can not validate the debt, they must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that they submit, they are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against the company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). They are also in violation of the Privacy Act of 1974. Per FCRA, I am Federally a consumer and I am OPTING OUT of all authorizations, I the consumer have given them written, unwritten, verbal, nonverbal according to 15 USC 6802. My request is that the credit reporting bureaus remove from my credit file immediately. 
Please Note : This notice is an attempt to correct the records, and any information received from them will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Mortgage

I have a HELOC with Specialized Loan Servicing ( SLS ), now XXXX XXXX. I'm going through a process to close on a different property, and the HELOC company has not provided the requested information, does not reply to emails and messages, and their " contact us '' phone number is now out of service. 

It is impossible to get in touch with this bank. If I wanted to payoff this loan, I would not be able to since they do not respond, answer, or allow customers to communicate with them. 

This is preventing me from completing the necessary documentation for the closing of a new property.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I set up automatic payments for my new auto loan. 

I received notice in XXXX that the payment wasn't paid because they hadn't set up the automatic debit yet, so I paid it via phone. I was told then my auto payment was active going forward. Then in XXXX, I received notice that I was behind on my payment ( even though I did not receive any invoice or billing statement before receiving the debt notice ). I immediately called to inquire what happened, as the payment should have been automatically debited from my account. I was told my account was current and I could disregard the letter, so I did. 

Then I received two letters dated XXXX XXXX and XXXX XXXX stating that it was " an attempt to collect a debt '' and I owed a past due amount. I called to inquire and was told that I was missing my XXXX payment ( the auto payment had debited my account in XXXX and XXXX but was not set up for the XXXX payment, as I was told it would be when I spoke with them in XXXX ). Again, when I spoke to them after receiving the letter in XXXX, I was told my account was paid in full. I have never received any type of invoice or billing statement. Ever. They have my address to send me debt collection letters, not not to send me monthly statements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ive reached out to this company multiple times about updating the information on my credit report, company never sent any information regarding my issue, this debt is well over 7 years. I had this loan for over 2 years never made a late payment the vehicle was stole and crashed the insurance company paid blue book value of the car, there was a couple thousand the insurance company didnt pay an they put it on my credit report, there was a warranty in place that was suppose to pay out the money left over but never got any information from XXXX. North Carolina state law is a written off debt has to be removed after 3 years.
Product: Mortgage

In XXXX of 2018 my loan was sold to XXXX XXXX by CapitalOne. The notification did not reach me and I only found out after I called CapitalOne to find out why I could not log into their account to make sure my payment had been applied since my bank was not showing it as completed. They stated that the account was closed and the new servicer would be getting in touch with me with payment information and I would just pay the XXXX payment to XXXX XXXX. It was not until a few months later when I got a credit alert that my score was affected by a late mortage payment. I tried contacting XXXX XXXX to fix the error and they do not provide a way to do this. I tried disputing with the credit reporting agency XXXX and nothing ever happend. I am in the process of trying to qualify for a refinance and this is causing my score to be sub-par. I believe that this should not have been reported as late as the mortage was sold and I was not given the opportunity to pay the XX/XX/2018 payment to the company reporting the late payment. I would like this late payment removed from my credit file at all agencies. Thank you.