23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shellpoint purchased my loan from XXXX XXXX and it appears as if they won't honor my loan terms ( of my monthly payment of {$800.00} ). I tried to make my XX/XX/XXXX payment to XXXX XXXX, but they would not accept it, and told me to contact Shellpoint. 
I contacted Shellpoint and they told me that I have a 30 day grace period. However, Shellpoint has been sending me other much higher loan terms through US Mail. 

I have call Shellpoint numerous times and also emailed them with attachments of my XXXX XXXX Loan Terms. They will not acknowledge that they have the most current loan terms, which should have been supplied by XXXX XXXX or myself, ( which were sent on XX/XX/XXXX at XXXX XXXX  in email attachments ). 

I believe Shellpoint is using predatory loan business practices targeting minorities vs honoring the terms of the loan they purchased. What reason would Shellpoint have to change the terms of my Loan?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the late payment on my auto loan with Santander consumer USA. Ive been making timely payments to them by text for months now. I knew my car was almost paid off and when I didnt receive a text from them for payment in XX/XX/2021, I assumed it was paid off. I went online to check in XXXX and it did say that I still owed {$360.00}, but when I pressed make a payment it said that my balance was XXXX so I assumed that their system had just not been updated and that I was done with my payments. I have been waiting for my pink slip. I received a letter from them today, XX/XX/2021, and was hopeful that it was the pink slip but it was an Invoice saying that I was 71 days late in paying! This is the first statement that I received from them by mail since I signed up for text payments. I called them and they said that my late payment had been turned over to you and that I would have to file a dispute through you. I told them to transfer me so that I can make a payment on the phone but when they did that I was told that I owed {$740.00}. This wasnt the amount that I was just quoted. I hung up from that service and decided to pay online once again. I pushed to make a payment and it said that my balance was XXXX dollars. I called to speak with someone again and they told me to go online and pay by asking for the payoff amount. I tried that and they told me the payoff amount but wouldnt take a payment and when I tried to pay again by phone it gave me the {$740.00} amount. I called and spoke with the rep again and he transferred me to a manager who was able to take my payment by phone. He apologized and said that there were apparently some glitches in the system, one being that they didnt text me my final payoff amount and allow me to pay that way, like I had been paying for months, and he couldnt explain why it said that there was a XXXX balance when I went online to try to pay. He was going to turn that over internally for them to check into. He did explain that the automatic amount of {$740.00} was because the auto payment just knew that it was a month late and it gave me two payments plus a late fee amount. It apparently doesnt know when you are on your final payment. I would appreciate it if you could remove the negative dings that this created on my credit score. Its been more than frustrating dealing with them but my credit report score troubles me above all. The company is Santander consumer USA
Product: Money transfer, virtual currency, or money service

Zelle had sent money off my account that I have with XXXX XXXX. There was never a confirmation or anything and money was swiped off my account.
Product: Credit reporting 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 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 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 an 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: Debt collection

I cancelled the XXXX membership with manager within 2 days. I asked for 1st months money returned-manager Refused. Manager shut off entry key card immediately-I had no entry. Collection and XXXX, Gym manager, refuse to Prove entry because entry key card was off-there was none. I never received any bills, invoices, late payment notices before today. All of this is a Lie.
Product: Bank account or service

The bank BB & T has excessively charged me overdraft fees. I suspect that they reorder transactions at night for batch processing posting debits before credits. They then settle for the day before applying any credits. My bank statement can prove this.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX XXXX XXXX ; Incorrect DOB : - XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Incorrect Employers : XXXX XXXX XXXX ; XXXX XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XX/XX/XXXX XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Mortgage

I have an auto pay turned on but the company keeps adding late fees to my account. The company is freedom mortgage. I didn't even select to do business with them. I had a loan with a different company and it was forwarded to this company.
Product: Vehicle loan or lease

Global Lending Services has engaged in unethical, and intentional fraudulent behavior since XX/XX/XXXX. I have attempted to bring the error to Global Lending Services ' Attention since the initiation of the loan. I have had no success. I have recently learned the terms of my Retail Installment Agreement had been violated due to my account my account being Charged Off without my knowledge. In addition, changes had been made to the agreement. Global Lending Services responded to my prior CFPB complaint indicating didn't matter because it didn't change the terms of the agreement. When the account was charged off in XX/XX/XXXX, I was paying the care note as scheduled. 

I purchased a vehicle with Global Lending in XX/XX/XXXX. 
I had been paying car note up through the period of XX/XX/XXXX, at which time I requested a payoff amount due to continuous erroneous credit reporting. The company did not respond. I sent another request, to which the company did not respond. I then submitted a request for the title to the vehicle as the company was in violation of the Retail Installment Agreement between signed at the point of purchase. 
I filed CFPB complaint XXXX. The company responded proving invoice and applied payment history, in addition to a letter indicating that they do not settle on accounts. Also, they will not be providing a title to the vehicle until the remaining balance was paid. I have recently applied for a HELOC with XXXX XXXX, and was notified that the auto loan with Global Lending Services has been written off since XX/XX/XXXX. I have requested a XXXX for the amount charged off as required by the US Tax Code. My request was denied. I called again today to request a 1099. I spoke with XXXX XXXX with the escalations department team. She notified me the Global Lending Services does not provide 1099s, nor does the company report the data to the IRS. However, my credit report clearly indicates the debt was written off as bad debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 XXXX has incorrectly dropped my XXXX FICO credit score a total of XXXX points for having multiple hard inquiries while shopping for a mortgage during my shopping window. I had different XXXX Inquiries for Mortgage loan products on XX/XX/2023, XX/XX/2023 and XX/XX/2023. All within the 45 day allotted shopping window for mortgage products. On XX/XX/2023 XXXX deducted XXXX points for the hard inquiry on XX/XX/2023 and another XXXX points on XX/XX/2023 for the inquiry on that occurred on XX/XX/2023. 

As of XX/XX/2023 Experian has also incorrectly dropped my Experian FICO Credit score a total of XXXX points for having multiple hard inquiries while shopping for a mortgage during my shopping window.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8500.00} -This is not my account.
Product: Credit card

I kindly ask for your assistance in reviewing the accounts from companies inaccurately reporting late payments. After losing my job, I requested that the late payments be forgiven, which they agreed to, yet they are still being reported. Despite my efforts to follow up, I have received no updates, making this my last option.
Product: Mortgage

we have a mortgage loan with Chase finance and we had some hardship in 2014 and got behind on our mortgage and applied for a loan modification. it took months to get the modification. the result was that our payments would go from XXXX dollars to XXXX dollars for six months to payoff or get caught up on payments. now they are saying that since back in XXXX that I did n't get the acceptance letter in back to them in time that they are no longer going to accept any more payments, after already accepting at least one payment unless I pay XXXX dollars to pay for 3 months and they are saying that my house can go into foreclo we at anytime.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit that highlights critical issues with the platform. Despite being a frequent user of Zelle and reporting transaction discrepancies, neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was informed that recovering lost funds was not possible and that tracking the transactions was unfeasible. The CFPBs findings reveal that Zelle has failed to adequately protect consumers, enabling repeat offenders to exploit the system and leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises significant concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX, my son sent me {$1000.00} via cash app. When I went to go into my cash app account, I noticed I was signed out. They require you to sign back in using a phone number. My phone number is linked with my cash app account and I have a snapshot showing the {$1000.00} payment, also showing that I get texts to my phone whenever a transaction is placed on my cash app. 

So whenever I tried to log back in using my phone number, and my email, the app continued to prompt me to create a new account. I had no way to access my account with {$1000.00} in it. I then had my son do a " test '' and try to send me XXXX $ to my cash app to see if a text would come through alerting me on a transaction. Not only did I not get a text, but my son got an alert that my account is no longer accepting payments and has been terminated. 

I have tried many times with customer support via email, andXX/XX/XXXX, to try and get my account back. Not only have they been no help, but they have completely stopped answering me. They do not have any live voice for customer support. 

I have no other options as I have a cash app account with {$1000.00} stuck in it with no help from customer support. 

My " XX/XX/XXXX '' on the cash app with the XXXX $ in it is $ XX/XX/XXXX I decided to further my research and go on XX/XX/XXXX to see if any customers of cash app could be dealing with the same problems. It turns out, many people have been locked out of their accounts with money in it and have not received any word from customer support via email. I can also attatch photos of customers XX/XX/XXXX to " @XX/XX/XXXX' who are experiencing the same problem. @ XXXX is one of the only " Customer service '' that cash app offers. 


Photo 1 : a screen shot of my sons payment of {$1000.00} to my account Photos 2, 3,4 : screenshots of cash app users on XX/XX/XXXX who are experiencing the same problem as me Photo 5 : showing multiple emails sent to cash support with no response back Photo 6 : a screen shot of a text I received alerting that a  transaction on my account has gone through, received when my son sent me the {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

These complaint os for XXXX and Experian who are falsely manipulating my credit scores. as FCRA Requirments on users of consumers reports [ 15 U.S.C. & 1681m ] i have mortgage " PAID AS AGREED '' the account # is on the attached file and I have ZERO to 1 % Utilization, 2 installment account has been paid off and one auto loan account hae been paid off all of them are tagged as status of " CLOSED '' PAID AS AGREED '' both of these credit reporting agency decreased my credit scores without any explanation as to " WHY '' THIS IS NOT A DUPLICATE REPORT AND DO NOT CLOSED THIS COMPLAINT. XXXX AND EXPERIAN ARE MALICIOUSLY DECREASES MY CREDIT SCORE. MY QUESTION IS WHY MY POINT HAS BEEN DECREASED WHEN I AM PAID IN FULL ALL THOSE ACCOUNTS MENTIONED ABOVE? IF THIS XXXX COMESBACK ASKING FOR ALL ACCOUNT NUMBER, ALL THE ACCOUNT NUMBERS ARE STATED OR ENCIRCLED IN THE ATTACHED DOCUMENTS. THE SAME THING WITH EXPERIAN, EXPLAIN TO ME AS TO WHY IM BEING PENALIZED FOR PAYING ALL MY ACCOUNT IN FULL AND LOWERING MY UTILIZATION? THESE ARE THE FACTORS YOU AS CREDIT REPORTING AGENCY SET ONE THEM IS THE UTILIZATION, PAYMENT HISTORY, AVAILABLE CREDIT, AT LEAST I IMPROVED MY CREDIT ON THOSE FACTORS AND YET YOU DECREASED MY POINTS? DO NOT COMEBACK TO ME TO JUSTIFY THIS FALSELY DECREASING MY CREDIT SCORE. BECAUSE I AM WILL AND DETERMINE TO FILE A LEGAL ACTION AGAINST YOU.
Product: Consumer Loan

After filing Chapter XXXX Bankruptcy in XX/XX/XXXX, I made payments to Ally Financial through the court trustee. The plan was completed and discharged by the court in XX/XX/XXXX, and the ENTIRE AMOUNT OF THEIR CLAIM WAS PAID IN FULL WITH INTEREST. However, while Ally acknowledged the amount paid through the wage earner plan, they are refusing to correct the account balance to {$0.00} as my other creditors did. I disputed this information with the credit bureau, and received confirmation from XXXX that the account information had been deleted and the matter resolved. However, I later discovered that rather than making the correction, Ally instead reported this tradeline as a NEW balance, dramatically impacting my credit score. I then contacted Ally directly to discuss the problem. Their representative, named " XXXX '' ( she refused to give a last name ), was extremely rude and made no attempt to be helpful, insisting that since there was interest that had not been paid, Ally would not report the account as a {$0.00} balance. I demanded to speak to her supervisor, XXXX XXXX ( not sure of spelling ), for whom I left a voice mail message. As of this report, I have not received a return phone call.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX  ) XXXX Balance Owed : {$440.00} XXXX XX/XX/year>.
Product: Money transfer, virtual currency, or money service

I checked my email Sunday, XX/XX/XXXX, at roughly XXXX. I had 4 emails from Western Union between XXXX and XXXX. The first one said I had registered an online account. The second had a verification number to confirm my account. The third indicated I wired {$430.00} to someone in the XXXX XXXX XXXX. The fourth that the money was received. The emails included my name, address, and cell number. The fraudster used my debit card to process the transaction. 

I filed a fraud claim with Western Union. I reported my debit card stolen to XXXX XXXX  ( I still have the physical card. ) They deactivated the card and are mailing me a new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting me as an authorized user on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied for business credit with PNC Bank. I was told that my request was denied. I asked for the letter stating the reason and they claimed that it was mailed to my address on file. 

The address that they have on file is correct because I received bank statements. 

I asked to express mail the information and they agreed. They promised to express mail to me and the sales associate XXXX XXXX at the PNC Branch located on XXXX XXXX in XXXX XXXX XXXX. 

I have not received the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..