23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This company took over an existing loan from XXXX XXXX- and pretended they couldnt process my admin papers or talk direct with me while purposely going behind my back to foreclose on my dead moms house. 

Shellpoint acquired the mortgage loan XXXX just days before I got the reconstruction check sorted with XXXX XXXX fix the home that burned my mom to death. 

Although I was assured Id only wait 10 days, It took Shellpoint 30 days to process my admin papers and another 60 days to process the insurance check. 


In the meantime, while they were pretending they didnt know who I was and didnt have the documents to begin construction, their debt dept was foreclosing on the house XXXX XXXX 

With foreclosure documents they didnt even send to the correct address and that I never received notice or a bill for Only by the grace XXXX XXXX XXXX I even find out. 

And only after charging me an additional {$5000.00} over the $ XXXX we owned them in lawyer fees and for landscraping they had already completed just XXXX days earlier did they remove the foreclosure and I saved moms house. 

Oh and when I asked them for a description of their landscaping jobs they refused to give it to me but oh well. 

Shellpoint also had independent contractors break original, vintage, irreplaceable front French doors kicking in the doors to inspect and weatherize the home. 

Guessing the back door wasnt an option or maybe calling me to get the code to the lock box even though the lock box was on the doors they kicked in just wasnt an option either. I dont know. 

Now with the doors unable to lock - the home is now unsecured for XXXX months. But they insist their inspector was there to take photos and secure the home. Well, okay. 

Also, guessing the inspectors who felt the need to weatherize multiple times couldnt put my moms ashes back in the box, but XXXX sure she doesnt mind, if those are even her ashes anymore. 

And for a finale it seems they are giving out smidgins of $ XXXX out of $ XXXX in insurance payouts instead of allowing this process to move forward in a timely manner and planning on collecting mortgage for a home they wont allow anyone to live in.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX  XXXX SS # XXXX XXXX Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from CREDCO which was made on XXXX XXXX/2016. I checked my credit report, which I acquired from XXXX I have contacted CREDCO, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Product: Credit reporting or other personal consumer reports

These inquiries are negatively affecting my credit score, and its both frustrating and concerning that this happened without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've mailed Debt Validation XXXX Letters to XXXX, XXXX, and Equifax dated XX/XX/2022. I also sent Method of Verification Letters regarding the negative items reported in my account. No one has responded for more than 30 days. I disputed it for lack of accuracy for the negative items added to my account
Product: Credit reporting or other personal consumer reports

I contacted Lexis Nexis as well XXXX XXXX XXXX to exercise my option to opt out under 15 US Code 6802 and I was denied. I have expressed that I have given no consent verbal or non verbal, written or unwritten. Still was denied my right to OPT OUT
Product: Credit reporting

I am trying to refinance my home, I have an ARM and I am concerned with rising interest rates that I will not be able to pay my mortgage. There are some old disputes on my some of my accounts i.e. XXXX, XXXX, XXXX XXXX showing disputes initiated by me from years ago. The disputes were resolved. It has been years and these disputes have not been removed or updated. The creditor states they show no dispute so it is the Equifax, XXXX and XXXX causing the issues. I have asked that they be removed and they have ignored my requests, written, telephone and otherwise or tell me that there are no disputes. meanwhile XXXX claims they are still there as of XX/XX/XXXX. I need the disputes removed. I do not know how to compel them to do that and they are causing me irreparable harm. 45 days, resolved disputes have to be removed within 45 days! I need help with this. I do not have any documents reflecting these purported disputes because the banker XXXX, will not provide me with a copy of the report they are looking at, and the creditors state they dont show a dispute, and the reports from Equifax, XXXX and XXXX dont shot the dispute. Therefore I have nothing to provide.
Product: Credit reporting or other personal consumer reports

I requested incorrect information to be removed from my credit report and requested complete billing and payment history. I also got a certified copy of a UCC 11 after I did a lien search. It showed I have no active liens. I got a certified copy and sent it to them also.

Payment history is incorrect as well as former addresses, names etc. There are inquiries on my report that I never heard of. I opted out of them sharing my information also. I have a current UCC 1 filed and accepted by the New York Dept Of State. I am the secured creditor of all my debts.
Product: Mortgage

Our mortgage is currently held by Seterus - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX ( XXXX ). We went through a bankruptcy / chapter XXXX and were discharged XXXX XXXX, 2015. We are in the process of refinancing with XXXX XXXX and have requested a payoff from Seterus. We have called many times and their response is always the same ... they can not issue a payoff to XXXX XXXX because they have not yet recognized the discharge/termination of the bankruptcy. They do n't seem to be willing to resolve this matter. We are locked in to a rate and are hoping to resolve this before it expires. We need your help.
Product: Checking or savings account

In light of your report on Bank of America, I can tell you the issues with them rearranging and double dipping late fees goes all the way back to 2008, at least. I closed my account with B of A in 2008 because of what they were doing to my account. I confronted bankers in the lobby, here in XXXX, to which they agreed with me that B of A did what they did. They tried to undo it and credit it back to my account, but the 'System ' would only allow them to refund {$20.00} at the time. This was the same time frame that Bank of America was bailed out by us tax payers. It's no surprise that year they charged customers the same amount in overdraft fees as the amount they were bailed out with. It made me furious, but I felt I had no recourse, until I saw the news that you were going after them. If it's not too late for me to help in this situation, I'll give you anything you need to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number XXXX and XXXX  Account XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
6. Validate Account XXXX  XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
7. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 8. HIPPA VIOLATION REMOVE Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
10. Validate Account XXXX  XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

For XXXX 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

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

I went to the car dealership to get a car for my son and the approved me but with a high Interest rate. It begin to bother me because I make sure I pay all debt on time. I went to look at my credit and Lord behold I see a loan on there that Is not mine. There Is a company called XXXX I guess thats where the loan came from. I contacted this XXXX place and Im getting no luck with them. I hope someone can help me with this. Im doing this on my own and really need some help with this.
Product: Credit card

XX/XX/XXXX XXXX XXXXXX/XX/23 Applied on online for US Bank balance transfer. I spoke with XXXX Bank Rep was informed that I qualify for balance transfer. And request to provide info. However he stated I was approved for XXXX Bank {$1000.00} credit card which I informed him I did not want XXXX Bank credit card and only interested in balance transfer. They pulled my credit report twice which now has lower my credit score. I was mislead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute for account balance for XXXX, they came back and put a late payment on my credit history. This account has been charged off since XXXX. I received notification XX/XX/XXXX that there was a new late payment. I tried to email XXXX, the email came back undeliverable. I called them and spoke to XXXX, Id # XXXX. He agreed that a charge off should not go on credit report as a late payment and escalated the call. I am waiting for a call back from him at a later date. I contacted transunion ( XXXX ) who is reporting the late payment and whom dropped my score XXXX points and was told that they don't have anything to do with the late payment. I asked if they were to verify and validate information before dropping g a credit score and placing the information. He said no. I was denied a credit card due to the drop in credit score because of erroneous late payment.
Product: Debt collection

This account is not being properly investigated. My trust and I have disputed the validity of this account online and by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The balance on the account is continuously being updated to reflect the same amount, the account is continuously being updated from closed to open with a message stating that it meets the guidelines of the FCRA but we have not received any of the requested documents. Therefore, no evidence exists of my agreement or consent for this account. This account lacks validation and sufficient evidence to support its accuracy. Without possession of the original promissory note or the requested documentation, this entry is unverifiable. The reported debt is legally deficient and must be removed as unverifiable under 15 U.S.C. 1681i.

15 U.S.C. $ 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report.

15 U.S.C. 16811 : Mandates that unverifiable information must be corrected or deleted within XXXX days of receiving a dispute.
Product: Debt collection

I never received notice of this debt. I never received notice of my right to dispute this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an on-line Equifax account ( XXXX XXXX   XXXX XXXX XXXX ) to freeze and temporarily unfreeze my credit report. I have a username, password and PIN #. This account did not work on XX/XX/2019, nor did it work on XX/XX/2019. The only way I can temporarily unfreeze my credit report is to call there telephone ( XXXX ). 

I use XXXX 's XXXX browser, which is very commonly used throughout our nation. One XX/XX/XXXX, Equifax told me their website for temporarily unfreeze things was down. I think their website is always down and broken. Try it yourself to see how it does not work. 

Temporarily unfreezing my Equifax credit report is beyone tedious. I have to answer a variety of detailed historical questions. Why bother to have an on-line account??? I think the company purposely makes things difficult to that people will be muscled into using their monthly protection services, instead of using free services that freeze and unfreeze a person 's credit report. The are probably purposely breaking the law.
Product: Checking or savings account

On XX/XX/21 my XXXX  partner and I opened a XXXX banking account at Chase bank on XXXX XXXX in XXXX, NY with a man named XXXX. I deposited a check from my employer for our initial deposit. The money was taken out of my employer 's account and never deposited into mine. When I called to find out why, Chase told me that the check " did not look like others '' my employer had written. Not only have I never had a problem like this with another institution, my employer can verify that that statement is a flat-out lie, because she does not write checks to anyone but me and therefore Chase has never seen one of her checks. That aside, after calling Chase multiple times and having them verify with my employer that the check was legitimate, they are still refusing to give me my money. They have closed my account and are holding over {$4000.00} in limbo. Not only should they not be able to hold money in limbo, they also should not be able to close my account without my permission ( in a case like this ). Every time I call I have to remain on hold for very long periods of time. Every time they call my employer to REPEADELY verify the check this looks bad for me and is a hassle for her. Not only has this process gotten us nowhere, we do not have time for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was already charged XXXX point for a XXXX medical bill, now charged another XXXX points for the same medical bill. My credit had gone from XXXX to XXXX in one month. Also I have zero, no late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collection account in full that I owed to IQ Data Intl. and my credit score dropped 30 points and it is showing as closed with a XXXX balance but not paid. I spoke with IQ Data to request a removal and they stated they wouldn't do it. Now my credit instead of being good is shot. Please let me know what my options are here.
Product: Credit reporting or other personal consumer reports

I need a higher credit score. I have been suggested by experian to take out credit cards to build my credit. I was paying for everything with cash until this credit program. Then was directed to put myself into debt, since then i have had several accounts such as car loan financed and paid off. Little to my knowledge of this program that all paid accounts drop off so no creditor can see all the accounts previously paid on. The only accounts that stay on are the ones that show you in debt, this makes it extremely difficult to navigate in your game of credit. I do not wish to stay in this debt situation not do i wish to play in your credit game. I have no other choice. My credit score has NOT moved no matter what i have done. Therefore, I find this deceiving and discriminative. I have been turned down for a place to live and have been turned down for employment because of your reporting. I have since lost my employment and have not been able to make payments on existing credit card balance. Because of this it is the only thing on my report, how do i escape this nightmare of a system. I am an XXXX person with little to no income and no previous payments reported with no other obligations does not do me any good with your program. I want a higher score like i deserve. I need assistance navigating around these perimeter 's that we are not able to speak with someone for answers. The way this is handled should be illegal. You are allowing reporting that is not verified. Noone asked me about having any of my information. Also, these so-called programs such as Boost offered by Experian is bogus. If there was legitimate assistance they would request info from the utility company 's not the consumers banking information. This is complete and utter violation of privacy
Product: Checking or savings account

Citi Reference Number : XXXX Previous : Consumer Financial Protection Bureau Case # XXXX Citi responded to the case # XXXX complain stating that they going to terminate baking relationship with me and to wait 30 - 60 days for outstanding checks. I sent out an email proofing that the money in the account belongs to me on the same day that I received their response which is XX/XX/XXXX. I did not hear anything from them after that. I then received the last statement showing all of my fund as other withdrawal on XXXX, and left behind only XXXX cent on the account. Today XX/XX/XXXX, 60 days from the day they closed my account, I received a check for XXXX cent. I did not received the entire fund of my accounts which is XXXX, that is my entire life savings they did not return. I need Citi to return my remaining fund in a form of a check as soon as possible. 

Please see attachments.
Product: Debt collection

I received a call from a woman named XXXX XXXX in regards to a fraudulent check I supposedly deposited into an old bank account XXXX XXXX XXXX. She claims to call from XXXX XXXX  XXXX XXXX XXXX  XXXX. She claims that I was approved for a loan with XXXX XXXX XXXX and that theyre holding me criminally liable for depositing this check. She has contacted my employer and repeatedly called my phone. Things have now escalated to the point where weve been going back and forward through text messages. She referenced the car I drive as a threat, and stated that I could serve 10 years in prison. When I contacted the three entities that shes referencing-XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX National Credit Adjusters they stated that they do not work with any such law firm. XXXX XXXX also provided me with an email confirmation indicating that this is fraudulent. Miss XXXX repeatedly threatened me with imprisonment and legal action and used my personal information to make her claims sound legitimate. She has my full social security number she also has my license number and Im afraid that identity has been compromised. I have text message proof of our exchanges, she also sent me a picture of her computer screen to prove, shes not contacting me off of her personal cell. I also have a saved voicemail she was initially calling to speak with my boyfriend because supposedly has his name tied to a case. She later stated that she was only trying to get in touch with me. I understand that these matters should be ignored off the basis that she has no real claims and that this is a scam, but Im very concerned about her having my personal information. She has been messaging me since last week. Her phone number has already been reported to XXXX  XXXX XXXX XXXXXXXX XXXX XXXX. When she contacts my employer she calls from a XXXX area code I have the exchanges between my employer and myself after searching that number they found reports of it being a scam on XXXX also. Fortunately theyre aware but this is turning into harassment. Miss XXXX claims that they will proceed with criminal charges and her last message to me was that she will continue to call my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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: Checking or savings account

XX/XX/year> I tried to access my XXXX. It is with Optum Bank. I was on the phone with their XXXX-XXXX  " customer service '' for nearly an hour. After repeating myself several times, I finally got a " supervisor '' who asked the same XXXX  questions, even after I told him repeatedly the answers. He was going to send me an email to access my account, but " his back-office was down ''. My login and my password is saved in my computer, but the next screen is a VAGUE challenge question that I have never seen. REPEATEDLY TOLD BOTH " CUSTOMER SERVICE '' REPS THIS. 

Now after reading hundreds of horrible reviews on line, I find out that they are likely charging me a service fee each month on an account I can't even access. 

Your next page asks for an account number ( on a billing statement ). I HAVE NEVER RECEIVED A BILLING STATEMENT!!!!!!
Product: Debt collection

XXXX XXXX XXXX is reporting incorrectly to Equifax a collection for XXXX XXXX XXXX partial account number XXXX - in the amount of {$2600.00}. ( Please see page 51 of the attached credit report. ) I resided at XXXX XXXX XXXX, XXXX, TX XXXX from XXXX to XXXX - well over 14 years ago. The name of this apartment complex now is XXXX XXXX. The apartment number noted on the collection is XXXX. Pursuant to the Apartment Lease Contract ( copy attached ), my apartment number was XXXX. Clearly they have attached this collection to the wrong unit number and wrong person. I never, in the past nor the present, received any documentation that this debt was owed by me or an itemization of what this debt consists of. This incorrect reporting by Equifax has just recently appeared on my credit report. This incorrect reporting of a collection is a violation of the Fair Credit Reporting Act, and is also prohibiting me from obtaining a new residence and is harming my credit score. I have contacted Equifax to have this line item removed from my credit report but I have not been successful.