23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have filed a complaint before about Nationstar Mortgage. Those issues have n't been resolved, but this is about a related one. It is not a complaint as such. I had n't received a monthly statement for some time from them and have been sending my payments nonetheless certified mail based on the monthly amount from their correspondence. They have sent me email information but I ca n't access it. They said it was because I did n't have XXXX, and I am sure my computer is not very up to date. I do n't use computers that much ( though I could access your information from my previous complaints, so I am not sure what 's what ). I had a computer expert look at this and he said that the file they sent is corrupted ( not sure what that means ). They also sent other emails which have a " no reply '' feature on them so I ca n't do much with that. I am leery of doing financial transactions online because I have had important data stolen in the past ( this may be due, again, to my low-grade computer technology ). To complicate matters, I have a law suit against the XXXX XXXX and I have had my delivery suspended. When I do get mail I invariably do n't get certain pieces. I believe I am getting all my mail now but I am not sure. I am very concerned about the information Nationstar sent me because for many months I was getting different amounts to pay from different sectors of their company. And my escrow account was being changed almost monthly. I made a request a while ago to be able to see the data they use to make their computations. But I have gotten no response to that. I have {$25000.00} in savings and can document it. So I am not a person that 's trying to get out of payments. And I have excellent credit and do n't want it impacted. I am using a new email so that maybe I can avoid these technical issues.
Product: Mortgage

Issue : Missing {$920.00} from escrow and Poor Customer Service. 


# # # # # Background and Timeline of Events # # # On XX/XX/year>, Shellpoint issued an insurance premium disbursement of {$1000.00} to XXXX ( Openly ). This amount was never sent out and was returned to my escrow account in two parts : {$84.00} on XX/XX/year>, and {$920.00} on XX/XX/year>. 
I switched my insurance to XXXX, and on XXXX XXXX an initial {$920.00} was sent out but the check was returned to Shellpoint. A second check was issued on XX/XX/year>, which XXXX cashed successfully ( Check # XXXX ). 
I have not received the refund of {$920.00} that should be credited back to my escrow account. 

# # # # Customer Service Issues # # # # # I have contacted Shellpoints customer service multiple times, but each attempt has resulted in conflicting information and no resolution.

I have been transferred between customer service, the insurance department, and the escrow department repeatedly without any helpful support or clear answers.

This has caused significant frustration and inconvenience as I am unable to get a definitive resolution to my issue. 

# # # # # Attachments # # # # # # I have attached a screenshot of my transaction history, which clearly outlines the transactions and the outstanding amount. 


Conclusion : This situation has caused undue stress and inconvenience. I am requesting the CFPBs assistance in resolving this matter promptly and ensuring that Shellpoint Mortgage Services adheres to fair and transparent practices.

Thank you for your attention to this matter.
Product: Vehicle loan or lease

I had a loan for new car XXXX XXXX XXXX since XX/XX/XXXX by XXXX month, when the pandemic arrived they extended the by XXXX  month and my loan end on XX/XX/XXXX included the payment and interest every month, but the company refuse to release my title. I paid all interest of the loan with late payment because the company never help me to put one payment on the final loan, mess my credit without any consideration. After that, I fixed to continue to make my payments, Now the company take advantage from the COVID-19 to charge more interest of the interest that they took from the loan. I hope to find justice. 
Honda financial Services
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is about the reporting of my credit score through transunion credit bureau. On XX/XX/2020 my score was updated and NO new negative changes were reported. There were two new positive changes, 1 ) a hard inquiry was removed 2 ) a balanced decreased on a credit card. 
My score should have definitely went up or not changed at all. It shouldnt have dropped 53 points. 
I reached out to transunion on XX/XX/2020 and all the girl could tell me is its because you have a inquiry on your report from XXXX. That is old and has nothing to do with my score reporting at the time. As its already accounted in my score.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery XXXX, for committing identity theft. I have never given Portfolion Recovery XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e I have not validated any alleged debt with Portfolio Recovery A and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Portfolio Recovery XXXX, any right to collect on this alleged debt. I have never received any documentation requesting validation from Portfolio Recovery A, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery XXXX, continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

The Department of Education student loans were managed by Nelnet. Those loans were paid and transferred to XXXX. Now, both Nelnet loans and XXXX loans are listed on my credit reports. I disputed the inaccuracies with XXXX twice and the company continues to list Nelnet as open. I also included copies of the paid off account statement from Nelnet 's website to XXXX. 

It appears to creditors that I have {$360000.00} in student loan debt when I only have {$180000.00}.
Product: Checking or savings account

Here 's a complaint letter you can use to contact the Consumer Financial Protection Bureau ( CFPB ) regarding your issue with Chime : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Dear Sir/Madam, I am writing to file a formal complaint against Chime Bank regarding its failure to resolve a dispute and provide the appropriate credit to my account within the legally mandated timeframe. 

On XX/XX/2024 I submitted a dispute for a transaction on my account, providing all the necessary documentation and evidence to support my claim. Despite my efforts and multiple communications with Chime, as of today, [ Current Date ], well over the XXXX period mandated by law has passed, and I have yet to receive the credit for the disputed amount. 

This delay has caused me significant inconvenience and financial distress. Under Regulation E ( 12 CFR Part 1005 ), Chime is required to provisionally credit my account within XXXX business days while investigating the dispute. This has not occurred, and I believe Chime is in violation of these regulations. 

I am requesting the CFPB 's assistance in resolving this issue promptly. I would appreciate any action you can take to ensure Chime provides the credit owed to me and that the bank adheres to its legal obligations moving forward. 

Enclosed are copies of the correspondence and documentation I have submitted to Chime regarding this dispute. Please feel free to contact me if you require any further information. 

Thank you for your time and assistance. 

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

In XX/XX/2021 I sent letter inaccurate accounts on my credit report and it has remained unanswered for over 60 days. It has been almost 60 days and I have yet to receive a reply. I demand that these account be deleted or I will seek damages if warranted. FCRA Section 611 ( a ) It is plainly stated a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report immediately!
Product: Credit card or prepaid card

This is a complaint about Synchrony Financial 's payment rules. I have an account with them for with no interest for a year. I 've been paying my bill 2-3 weeks early. Specifically, my bill is due on the XXXX of every month and I send the payments on the XXXX. However, I noticed that my balance was always more than what I expected. I called and was told that my payments were recognized as a general payment but not as my monthly payment because I was essentially paying too early. For example, I have a bill due on XX/XX/XXXX. I sent a payment onXX/XX/XXXX They 've accepted the payment. However, I still owe a balance for the XX/XX/XXXX. They returned 3 of the late fees but not all of them. In addition, the supervisor was rude.
Product: Credit reporting or other personal consumer reports

I WANT TO DISPUTE ABOUT XXXX DIFFERENT ACCOUNT AND XXXX INQUIRIES THAT AFFECTING MY ACCOUNT AND CREDIT REPORT AS A SXXXX XXXX XXXX XXXX XXXX  LATE PAYMENT CAUSE I WAS IN XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; I AM XXXX  TO MY EX WIFE SHE THE OWNER XXXX XXXX ; XXXX WIFE ACCOUNT NOT MINE. 


I WOULD LIKE YOU TO REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. I am writing in regards to my personal information being used to open accounts with credit grantors without my knowledge or authorization. This is the second complaint I am filing because the first complaint claimed these fraudulent accounts where indeed not my accounts and they'll be removed, yet they haven't. I am now requesting for these accounts to get blocked and deleted off my report ASAP. I have spoken to all the companies involved and they've sent me letters stating these are not my account and they've also verified that these items are to identity theft. The following names are the accounts in which where opened using a fraudulent application which id like to block and delete. Thank you. 
XXXX XX/XX/XXXX XXXX {$1700.00} -XXXX XXXX XX/XX/XXXX XXXX {$12000.00} XXXX XXXX  XX/XX/XXXX XXXX {$12000.00} XXXX XXXX XX/XX/XXXX XXXX {$6600.00} -XXXX XXXX XXXXXXXX & XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1000.00} These are all the accounts opened fraudulently. I am also being neglected a block and delete from the credit reporting agencies even when all my documents are valid and meet the FCRA requirements for account deletions in regards to identity theft.
Product: Debt collection

To Whom It May Concern : When reviewing my credit report, I found several accounts listed in my name that do not belong to me. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX If the above has not been completed, please Delete these accounts from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file suit against you for any future violations of this law.

I have filed an FTC report and Police Report
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 rigths to privacy and confidentiality under XXXX usc XXXX. The accounts below have violated my rigthts XXXX XXXX XXXX section XXXX A. XXXX i have the rights to privacy. XXXX XXXX XXXX Section XXXX A section XXXX, It also states a consumer reporting agency canoot furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX ) XXXX Section states ) no consumer reporting agency XXXX make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than XXXX years XXXX u.s.c XXXX XXXX A ) 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 Delete the accounw below Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am the  XXXX  in this case. I already filed a complaint  XXXX / XXXX / XXXX  and not only has not been resolved but it is impossible to communicate with them once I enter the loan number. They sent a new application to the borrower ( FHA case that got a TPP with  XXXX  at the end of last year/first payment made/ XXXX  closed case in  XXXX / XXXX / XXXX  ) that I am about to submit and fax did n't go through ( twice ), I tried to called to confirm the fax number, three times and was put on hold by the system aroun d 15  minutes each time and nobody answered.  XXXX   XXXX , (  XXXX  )   XXXX     manager  of this account is never available, nor backup agent so, I finally left a message to  XXXX   XXXX  from the advocate team, (  XXXX   )   XXXX .   I am sending FHA  XXXX  agreement sent by consumer befor e HAMP expired.  XXXX   sold the loan on  XXXX   XXXX   XXXX  BayView  should  honor the agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like I'm being taken advantage of And being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days given a response to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly.I demand these accounts be delete immediately or I will file for Litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Vehicle loan or lease

On XX/XX/2019 I made a payment arrangement to double pay for vehicle on XX/XX/2019 with my account manager XXXX XXXX and explained to him that I wouldn't be able to make the payment of XXXX but I would be able to make the payment of XXXX which was due on XX/XX/2019 and he refused to take payment and stated I owed a payment of XXXX and we got into a dispute about the amount and asked to speak with a supervisor and never received a call back until I was woke up on XX/XX/2019 by the repo starting I owe XXXX
Product: Credit reporting or other personal consumer reports

Company quickly verified disputed information on my credit report without proper research and documentation of its accuracy
Product: Mortgage

The problem i have been having with this company ( SHELLPOINT SERVICING MANAGEMENT ) since my mortgage transferred to them from " XXXX XXXX  " is that i can not access my account online even though i ve tried to resolve the issue since XX/XX/XXXX and before that several times with no luck.They keep telling me that they will transfer my request to IT but even though they did nothing has been resolved and representatives i speak to on the phone have no clue how to fix this.I asked for them to connect me to a specialist several times but they refuse to.Other than that i have no other issue with them and my account is in good standing.I really need to be able to pay my account online and access it whenever necessary.
Product: Money transfer, virtual currency, or money service

Received a payment/transfer through venmo of {$500.00} on XX/XX/2024 from a friend and immediately after venmo froze my account and restricted me from transferring my money into my personal bank account. Currently venmo has frozen my account and I am not able to access my {$500.00} balance. They have not provided me a reason of why they froze my account and have denied my request to talk to their security department.
Product: Mortgage

mortgage payment of {$580.00} has inflated to XXXX and inflated escrow since ocwen lone servicing has bought mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, we were written to notify us that our mortgage loan servicing was being transferred from XXXX XXXX  ( XXXX or the Company ) to XXXX XXXX XXXX  XXXX I was told by a friend that works for XXXX that the loans were being force-sold due to an audit completed at XXXX which required all loans be transferred so that the mortgage Company could create its own servicing platform. In the flurry of communication over the subsequent 60 days there were notifications from both XXXX and XXXX XXXX about direction of payments, etc. In an attempt to confirm that my automatic payments would not continue to be sent to the wrong servicer, I cancelled the XXXX payment believing that XXXX was the first month that was to be directed to XXXX XXXX XXXX However, the communication apparently stated that the loan was being transferred on XX/XX/XXXX and that the next payment ( XXXX ) would go to the new bank. I did note that in the plethora of communication from XXXX there was clear direction that any payment issues/errors during the transition and for a 60-day window thereafter would be forgiven during the process. As soon as I received notification from XXXX at the end of XXXX about the missed payment, I made both payments ( XXXX & XXXX ) for a total {$4300.00} which was initiated through my bank ACH platform and delivered to XXXX on XX/XX/XXXX. However, the previous servicer, XXXX, did not ever technically receive the XXXX payment and therefore put a 30-day late pay notification on my credit report. I have since spoken to my contact at XXXX who mentioned that he had heard of a number of complaints from family and friends who had various payment/transfer issues and some that were still outstanding months after the transition. I believe this was part of a broader problem caused solely by XXXX selling the servicing of these loans as I have had no payment issues with XXXX since the loan was opened on XX/XX/XXXX. Additionally, I have owned a home since XX/XX/XXXX and have never had a late payment at any point. Its worth noting that in nearly 18 years owning homes, I can not recall having had a mortgage loan servicer change any other time. 

I have no record of communication from XXXX either in written form or voicemails from XXXX XXXX attempting to report or resolve the payment issue. In todays era of spam marketing calls, any financial institution looking to take negative credit action against a Borrower should be required to provide at least a voicemail indicating the need for a call back. I do not know if they attempted to contact me as there were no voicemails, but the volume of phishing/spam calls necessitates that I only return calls from Unknown numbers in the event they leave a detailed message legitimizing the need to return a call. The late payment was simply a mistake resulting solely from the sale of the mortgage servicing as I have had no payment issues and was able to resolve the problem immediately upon notification from the ( new ) mortgage servicer.