23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a conventional loan previously modified by HAMP and XXXX XXXX, recently I realized that my investor XXXX XXXX sold my mortgage to a Private Investor : Legacy Mortgage Asset Trust 2019-GS6. I received a forbearance approval immediately after the COVID-19 pandemic began, later I received extensions after three, six, and nine months. 
On XX/XX/XXXX, I submitted a complete request for a loan modification with my current servicer Shellpoint Mortgage, this request included all my financial statements and evidence of my hardship and income reduction. On XX/XX/XXXX, Shellpoint sent a letter denying my request and instead of approval offer me to short sale my property or Deed in Lieu the same. 
I understand thatXX/XX/XXXXis free to sell their investments, but what is the reason that that transaction didn't involve the same layer of protection and benefits that my former investor offered to me??? 
Why Sheelpoint requested to prove my income and ability to begin my mortgage payments if they didn't plan to help me???? After my income reduction, I am able to resume my regular mortgage payments however, I can not bring my mortgage current due to the previous pandemic and their financial effects on my home finances. 
I need to keep my home!!!!!! I am able to resume my mortgage payments, BUT, I CAN NOT BRING MY DEFAULT BALANCE CURRENT. Please do not offer me as your only solution to sell my home. 
Sincerely XXXX XXXX
Product: Payday loan, title loan, or personal loan

Can not connect to my bank account
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XXXX, 2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX and the credit bureaus regarding the inaccurate reporting of my credit information. Despite my persistent efforts to resolve this matter, I have encountered significant challenges that remain unaddressed. 

Details of the Complaint : - Account Name : XXXX XXXX XXXX - Account Status : Reported as open ( should be reported as closed ) - Transfer Date : Sold back to Southeast Mortgage in 2023 - Nature of the Issue : XXXX XXXX XXXX continues to report this account as open on my credit report, despite it being sold back. This misrepresentation is adversely affecting my credit score and financial standing. 

Legal Basis : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 609 of the FCRA, I have the right to dispute inaccurate information and request that the credit bureaus conduct a reasonable investigation. However, despite multiple disputes filed with the credit bureaus, my concerns have not been adequately addressed.

2. Accuracy Requirement : The FCRA mandates that consumer reporting agencies must ensure the accuracy of the information they report. XXXX XXXX XXXX is also obligated under the FCRA to provide accurate information to the credit bureaus. Their failure to correct this erroneous reporting is a violation of the law. 

3. Failure to Investigate : In accordance with Section 611 of the FCRA, upon receiving a dispute, the credit bureaus are required to investigate the matter. My repeated attempts to have this issue investigated have been met with inadequate responses, and the incorrect information remains on my credit report. 

The negligence displayed by both XXXX XXXX XXXX and the credit bureaus has caused me significant distress and has negatively impacted my creditworthiness. I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against both parties for their failure to comply with federal regulations regarding credit reporting. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

DEAR CFPB : LAST WEEK REGIONS MAKE THE OFFER REISTAMENT TO AVOID FORECLOSURE WE SEND WIRE PAYMENTS BUT THEY REFUSE PAYMENTS TODAY I HAVE TO CANCEL MY WORK TRIP IN XXXX XXXX BECAUSE THIS PROBLEM. 

WE HAVE OVER USD XXXX POSITIVE ESCROW AND REGIONS FILE FORECLOSURE FOR USD XXXX PRE PAYMENT ESCROW?? 

THIS IS NOT NORMAL - REGIONS NEVER SEND ANY FORECLOSURE NOTIFICATION TO US WHY?? 

NOW WE SEND THE FULL PAYMENT AND WE DO NOT HAVE ANY RESPOND FOR THE REISTAMENT PAYMENT! 

SEE XXXX XXXX WIRE AND ELECTRONIC PAYMENT CONFIRMATION E CHECK USD XXXX Payment Detail Payment Type XXXX Check Payee Account No. XXXX Name on Account XXXX XXXX XXXX Payment Amount {$4000.00} Send Date XX/XX/2019 Expected Delivery XX/XX/2019 Reference No. XXXX Status Check Mailed Check No. XXXX Trace ID Memo loan XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS LOANS XXXX ... XXXX One-time - send now {$1200.00} XXXX COMPLETED WIRES REFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$2200.00} XXXX COMPLETED View transaction XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$3200.00} XXXX COMPLETED View transaction XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$3000.00} XXXX COMPLETED
Product: Money transfer, virtual currency, or money service

I received a letter from Wells Fargo stating that they had issued me a cashiers check many years back and it had not been cashed. The amount was {$52.00}. The letter clearly stated I should take the letter to the local branch to claim the funds. I did. The XXXX local branch ( XXXX XXXX in XXXX NC ) told me there was nothing they could do for me and I should contact Wells Fargo corporate office. I didnt like this as I would lose track of the transaction and it is timely. I have until XX/XX/19 or the funds will be forfeited to the state. I went to a second branch and they again didnt want to honor the letter but they reluctantly agreed to make an appointment the following day. This occurred on XX/XX/XXXX. I reluctantly agreed to the appointment as my costs had already exceeded the value of the debt. I showed up at the appropriate time and they were not happy to see me. They did NOT want to do this. I waited in their office while their banker made a lot of phone calls. After XXXX minutes the banker presented me with a document to cancel the original check. I questioned the document and asked that am I forced to sign the document in order to get my {$50.00}. The banker took offense at this and stormed off taking the form. I left after telling the office manager that I felt that I was being put off in an effort to avoid paying the {$50.00}. The second branch was the XXXX NC on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital Systems bought old XXXX  account, opened originally in XX/XX/XXXX.It is since shown as paid off and closed on my credit report report from my XXXX.Jefferson Capital Systems started the date the about was opened as XX/XX/XXXX and shows a balance of $XXXX!I believe this must violate some part of the fair credit act to put such blatant false information on my credit report.
Product: Credit reporting or other personal consumer reports

Ive submitted proof of Identification card, Social Security card proof of address These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS. BY 15 U.S Code 1681b, 15 U.S. Code $ 1692c
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 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 yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will fill 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: Credit reporting, credit repair services, or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately 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: Debt collection

Someone stole my identity and got a loan with a company called Cash Central. They've been trying to collect it for over 5 years. I've sent documents related to the identity theft four times now and they still are trying to collect. It keeps getting sold off to other debt collection agencies and they keep trying to collect this debt.

I will no longer keep sending documents when when I have done it so many times. I believe the original date was 2015 and approximately {$2000.00}. I did not receive any funds from this company and I will not pay them or any of the five collection agencies that have contacted me.
Product: Credit card or prepaid card

Two months ago I opened a card for a purchase around $XXXX and paid it off the same month when the statement came. This month I got another statement from them that had $XXXX outstanding balance. Apparently I was charged a $XXXX late fee as my payment was processed one day late. I have no idea how something that was postmarked at least 5 days before it was due would take so long to process. Then they stacked another late fee of $XXXX on the second month - which is why it added up to $XXXX. I called them and they removed the most recent late fee - but said I still owed them $XXXX. They also claimed to have called me to notify me but I have not received a single call or voicemail.
Product: Debt collection

Ability Recovery Services is trying to collect a debt that isnt mine. I never lived at the address they provided on the itemized bill. I never signed up for XXXX XXXX XXXX. I never received a collection bill from this company. The email address is wrong, wrong number, wrong address, wrong credit card information, wrong everything. The name is the same but Im not the person that signed up. I attend XXXX XXXX XXXX University for the past two years. I only lived at 2 addresses in XXXX and now I live in Pennsylvania. I want this removed until XXXX can show proof its mine. Show my ID given to the company, SSN, date of birth, break down of assignments and payments, billing information, etc.. I will be suing for defamation, emotional distress, financial hardships, and wrongful credit reporting. Do the right thing and remove this illegal debt.
Product: Debt collection

Company calls between 4-5 times every day and hangs up once they get my voice mail. Today alone I've had to block 3 different numbers showing as " PortfolioRecov. '' Every call comes from a different phone number from every state in the US. Many times it shows as a local number and alternates between landlines and wireless. Recent numbers include ( XXXX ) XXXX, XXXX XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. I have reported each and every one to Call Filter through my provider XXXX XXXX but nothing changes. 

I have repeatedly responded via text and email to delete me from their call list since I have no outstanding debts and haven't for more than a decade. I have received no confirmation from the company and the calls every time I report them. 

I spend about 20 minutes a day reporting each number and then blocking to no avail. I am considering legal action against this company for harassment.
Product: Debt collection

This company has placed this debt on my credit reporting negatively with no validation that it is my debt. The amount owed is said to be XXXX I have no knowledge of this debt and would like it removed from my credit file as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX RETURN MAIL XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : $ XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7000.00} XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt Collection Overview for {$770.00} Total Amount : {$770.00} 1. Identify the Debt Creditor : [ Name of creditor or collection agency ] Original Creditor : [ If applicable, the original lender or service provider ] Due Date : [ When was it due? ] Account Number : [ Your account number with the creditor ] 2. Understanding Your Options Payment in Full : If you can afford it, paying the full amount may resolve the debt quickly. 
Payment Plan : Contact the creditor to negotiate a monthly payment plan. 
Settlement : Sometimes you can settle for less than the full amount if you can pay a lump sum upfront. 
3. Gather Your Information Financial Situation : Assess your income and expenses to determine how much you can afford to pay. 
Documentation : Keep all correspondence related to the debt, including letters and phone records. 
4. Contact the Creditor Call or Write : Reach out to the creditor to discuss the debt.

Negotiate Terms : Be honest about your financial situation and propose a reasonable payment plan.

5. Make Payments Choose a Payment Method : Decide whether youll pay online, by check, or another method.

Track Payments : Keep records of each payment made.

6. Monitor Your Credit Check Credit Reports : After settling the debt, check your credit report to ensure it reflects the payment accurately. 
Example Payment Plan If you choose a payment plan, heres an example : Total Debt : {$770.00} Proposed Monthly Payment : {$100.00} Duration : 8 months Total Paid After 8 Months : {$800.00} ( including potential fees ) Final Notes Stay Communicative : Keep in touch with the creditor if you encounter difficulties. 
Know Your Rights : Familiarize yourself with consumer rights regarding debt collection in your area. At XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is reporting information of institutions that have not conformed and are currently reporting in non-compliance with Gramm Leach Bliley Act statutes. By publishing these non-compliant account ( s ) on my credit profile and distributing them to XXXX parties EQUIFAX is INTENTIONALLY DAMAGING my reputation, infringing on my unalienable rights to privacy and damaging my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a fraudulent account. Ive never had XXXX service nor a XXXX phone. My identity was stolen and multiple fraudulent accounts where opened under my name without my authorization and or knowledge. This account is one of them. Ive disputed the validity of this account with SOURCE RECEIVABLES MANAGEMENT several times to no avail. SOURCE RECEIVABLES MANAGEMENT refuses to provide me with the documentation Ive demanded them to provide me with, SOURCE RECEIVABLES MANAGEMENT, refuse to remove this account out of my name and off my credit report. Ive included in the desired outcome section the letter mailed to SOURCE RECEIVABLES MANAGEMENT.
Product: Credit card

Applied online for XXXX card issued by Chase Bank USA, N. A. I received a letter saying they needed a government issued ID showing my physical address for proper identification. I sent a copy of my XXXX XXXX XXXX with my physical address on the front and also the back of the card showing it was a government issue card. It clearly stated government issue. I would have sent a copy of my drivers license but it had my P O box on it. I later received a letter saying my request for the card had been denied because the documentation I sent in was not sufficient. I told the rep I had a Chase card before and also had a credit rating of over XXXX. I told him just to forget it I did n't need his card and to cancel the request. He said he could n't cancel it and the application would still be open if I wished to try again later. I do n't want this on my credit record showing I was turned down for credit. I 've never been denied credit before.They can have the credit card I just do n't a blemish on my credit record. I want the application canceled and no record of me applying for the card.Thanks
Product: Money transfer, virtual currency, or money service

Paypal Account : XXXX Name : XXXX XXXX For no apparent reason, Paypal locked my account for up to 180 days. I called several times to release the balance of {$1600.00}, but the customer service could not help at all. PayPal transfers out the balance of {$1600.00} for " paypal 's damages caused by acceptable use policy violation '' without notifying me before the 180-day period expires. This is a ridiculous and scammy activity!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Transunion 's Inquiry Issue. The customer service representative that answered my call would not remove the inquiries in question. The following are the inquiries that need to be removed from my credit report : XXXX XXXX XXXX via XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number not available Requested On : XX/XX/XXXX XXXXL XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number not available Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
Product: Vehicle loan or lease

I recently purchased a XXXX XXXX XXXX from Carvana but have been unable to obtain possession of the vehicle. This purchase is financed through XXXX XXXX XXXX XXXX. This payment was received by Carvana on XX/XX/XXXX. A copy of the payment information was uploaded on XX/XX/XXXX as requested but no attempt was made to verify the funds. All obligations regarding this agreement have been fulfilled. The appointment to transfer possession of the vehicle is scheduled for XX/XX/XXXX. However, your customer service representatives have cancelled the appointment for delivery and are refusing to deliver the vehicle as agreed. The reason provided is that they are unable to verify the funds. Carvana has made no attempt to verify the funds with XXXX and the check has already been received with signature confirmation of delivery. The customer service department is also threatening to cancel my purchase as a result of their error. 

I have attempted to resolve this issue by phone with your customer service department but they simply hung up the phone and refused to speak with me. No reason was provided for this action. I reached out to your customer service representatives using the chat feature and they are refusing to make any attempt to verify the funds. The representative stated that I would need to place an order for a new purchase even though your organization has already received the payment for the existing order. They are also refusing to escalate the issue any further. 

Attached to this email is a detailed copy of the complaint and the XXXX  proof of delivery. I am also including a copy of the payment information from XXXX XXXX XXXX XXXX.