23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MD XXXX Date : XX/XX/XXXX XX/XX/XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in resolving an ongoing issue with Shellpoint Mortgage Servicing regarding their failure to provide a payoff statement for the property located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MD XXXX. The mortgage loan is under the name XXXX XXXX, loan number XXXX. I am XXXX XXXX son and the administrator of his estate, and I am handling this matter to ensure the property can be sold. 
Despite multiple requests for the payoff from various parties involved in this transaction, Shellpoint has failed to provide the required documentation. The timeline of events is as follows : 1. XX/XX/XXXX : The title company, XXXX XXXX XXXX, represented by XXXX XXXX, requested the payoff. 
2. XX/XX/XXXX : A follow-up request was submitted. 
3. XX/XX/XXXX : Additional follow-up emails were sent by the title company. 
4. XX/XX/XXXX : Further attempts were made to obtain the payoff, including communication from the real estate agent and myself. 
5. XX/XX/XXXX : Another follow-up was sent, but as of today, XX/XX/XXXX, no payoff has been provided. 
The parties involved in this transaction include : XXXX XXXX ( XXXX XXXX Title ) : XXXX | ( XXXX ) XXXX XXXX XXXX Rd., XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX ( Real Estate Agent, The XXXX Maryland ) XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX This delay has caused significant hardship for my family. My fathers sudden passing has left us with many responsibilities, and this unnecessary delay is preventing us from moving forward. The buyer for the property has been patient, but these delays jeopardize the sale. Meanwhile, interest continues to accrue on the loan daily, adding additional costs. 
We believe Shellpoint is in violation of 12 CFR 1026.36 ( c ) ( Regulation Z ), which requires servicers to provide payoff statements within a reasonable timeframe, typically five to seven business days. It has now been over 30 days since the initial request was made. This is unacceptable and has caused undue stress and financial harm. 
I am requesting your help step in to compel Shellpoint Mortgage Servicing to issue the payoff statement immediately please. We have complied with all necessary requirements, and this matter is time-sensitive as we approach another payment deadline, further increasing costs. 
Thank you for your attention to this urgent matter. I am including documentation, including email communications, to support this claim. also not on the XXXX document that not the payoff that's the reason we need the payoff. Please contact me directly at XXXX or XXXX should you require further information. 

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

Us Dept of Education is reporting multiple student loan collections to my report that I should not have or owe. I applied for a student loan forgiveness program and they say it is still in process and it has been a year. I have been paying out of pocket. I should not owe this debt and the loan forgiveness program should be taking care of these. 

The account numbers are as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Case No.1 Date : XXXX Amount : {$130.00} ( USD ) Actions : Money Transfer made by PayPal XXXX through XXXX XXXX to send a Payment for Goods advertised by Small Business Website. 
To : XXXX XXXX and XXXX XXXX E-Mail : XXXX Case No.2 Date : XXXX Amount : {$130.00} ( USD ) Actions : Money Transfer made by PayPal XXXX through XXXX XXXXs to send a Payment for Goods advertised by Small Business Website. 
To : XXXX XXXX and XXXX XXXX E-Mail : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im ask that these hard inquiries on my credit report are removed off me accounts because these are not mine, nor is there any signed forms from me XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Student loan payment went up 250 % ( from {$59.00} to {$140.00} ) with an increase of {$3500.00} in AGI. I am unable to pay this larger amount. 

I have contacted CFPB, XXXX XXXX XXXX and the US Dept of Education 's Ombudsman about this in XX/XX/XXXX. Having received no communication from any of these three groups, I called the US Dept of Education 's Ombudsman group on XX/XX/XXXX. From there I was told to fax my complaint to the US Dept. of Ed. Ombudsman group and XXXX  XXXX XXXX. I received no communication from any group from the fax. ( I have proof of mailing & faxing. ) On Friday, XX/XX/XXXX, I called XXXX XXXX 's ombudsman group and was told I'd get an email in 24-48 hours. I received an email today, XX/XX/XXXX. The email gave me a convoluted formula to calculate a new payment method called the " Partial Financial Hardship '' - which reduced my payment amount by {$1.00} a month. The email did not even mention what my next steps were. 

I am unable to pay my loan at this new amount- even with the Partial Financial Hardship calculation. I can not appeal or get a real dialog started. In fact, I have no faith in that anyone will read this either and that I'm simply wasting my time filing a complaint.
Product: Student loan

I attended a school that closed down and the school was not accredited I would like to know if this loan can be forgiven
Product: Checking or savings account

I received a check to deposit for XXXX from my husband 's family ( XXXX XXXX ), upon deposit they froze the account and chose not to do business with me anymore. When asking how long until I can close the account they give me no information. This is a problem since I do not live in the US and wouldn't be able to recieve the check when it arrives. The initial deposit has cleared and verified by my inlaws bank, but Capital One have not given me any more information. 

The case number they provided is XXXX with Capital one bank
Product: Debt or credit management

I signed up with Lexington law In 2018 and was with them for a couple of years. Their upfront charges and fees monthly became too much for me and I had to cancel after a couple of year
Product: Credit card

I was charged a late fee by JcPenney MasterCard even though paid more than the required minimum payment of {$98.00} during the XX/XX/XXXX/XX/XX/XXXX billing cycle. 
The fee was credited but only after speaking with XXXX customer sservice reps and was then told I would still be required to paythe XXXX minimum payment of {$180.00} to satisfy my obligationon or before the next months payment due date of XXXX XXXX. 
This is highly unfair as : 1-My minimum payment for the previous momonth was satisfied and 2-I paid more than the required minimumpayment and 3-JcPenney believed my point to be valid asevidenced by the removal of the {$35.00} late fee to my account. 
I have written a letter to JcPenney about my dissatisfactionwith this incident, which I believe to be deceitful and unfair totheir credit customers.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I completed an online purchase through the XXXX XXXX XXXX 's website of a diffuser and a single bottle of oil. On XX/XX/XXXX I got a call from scent consultant XXXX XXXX XXXX XXXX XXXXXXXX where we discussed that my purchase of the diffuser will be refunded if I subscribe to the oil " subscription ''. She asked me for my social security number needed for the oil " subscription '', and its intended use was only to verify my identity. A link to start the application with XXXX XXXX XXXX by clicking here XXXX XXXX XXXX. The application attached goes over terms. XXXX XXXX, she flew through the application, noting " click here '' " initial there '' and so forth. Upon arrival of the portion of the document that speaks to interest charges, she said for me to " ignore the interest, the company absorbes the interest so don't worry about that '' This call too place on her personal line of XXXX so it would not have been recorded. 

A few weeks later I receive a statement that shows interest charges in the amount of {$10.00}. I sent an email to XXXX to uncover review the potential XXXX concern and of course did not hear back. Copied on this email were XXXX and XXXX of Universal Account Servicing LLC ( UAS ). XXXX XXXX. XXXX was opened with the XXXX XXXX but I never heard from Universal Account Servicing. I was contacted via phone by hotel collection and had a discussion where I was encouraged to pay in full {$3900.00} in order to " avoid interest charges ''. I expressed that I being told there was no interest during the call with XXXX and again during this call was deceptive. 

My original purchase of {$1000.00} will now cost {$5000.00} because I was talked into a financing a purchase disguised as a " subscription ''. The word subscription presents a very different level of engagement than that of a interest bearing loan. This complaint is on both XXXX XXXX XXXX XXXX as well as Universal Account Servicing LLC ( UAS )
Product: Mortgage

Telephone calls with varying stories of what may have happened and several times they have hung up. E-mails and certified letter to XXXX. and various customer service XXXX XXXX XXXX ( the latest was XX/XX/XXXX ) - no response. Trying to resolve for the past 8 months. Ten months of copies of cancelled checks e-mailed to customer service ( XX/XX/XXXX ). No response. XXXX has sent late payment notification and penalties, and XXXX has also notified credit bureaus of late payment. 
These people have extremely poor customer service and accounting. Are rude and abusive. Sometimes they refuse to give a customer service identification for my file.
Product: Debt collection

As of today XX/XX/year>. I herby declare i am unaware of this debt. According to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I did not have an opportunity. I did not recieve any letter or notification from this company within the 5 days of this account being opened. I did not have an opportunity to address the alleged debt prior to this company billing me for it and placing the account along with its experiences on my credit report. If in fact you believe you gave me proper notification, which would give you legal right to assume the debt belongs to me due to unresponsiveness, please send me the ORIGINAL DOCUMENT containing the CERTIFIED RECIPT WITH THE DATE, MY NAME AND SIGNATURE PROVING I RECIEVED IT AND WAS MADE AWARE WITHIN THE PROPER TIME FRAME. ALSO, according to 15 U.S. Code 1681b ( a ) ( 2 ) for Permissible purposes of consumer reports A consumer reporting agency may only furnish my information to a third party or affiliate company unless it is for a court case or In accordance with the written instructions of the consumer to whom it relates. Please also furnish the ORIGINAL DOCUMENT OF WRITTEN INSTRUCTIONS THAT I GAVE YOUR COMPANY PERMISSION to report this ALLEGED DEBT to a third party without my consent and other affiliates with whom i have no business. THIS LETTER SHOULD ALSO HAVE MY SIGNATURE PROVING IT WAS ME AND I GAVE WRITTEN INSTRUCTION AND AUTHORIZATION TO DO SO. You have 30 days from the date of this notice and complaint through the CFPB to furnish the document of me giving your company written consent/instructions to furnish my information to others without my consent and to provide proof via green certified mail receipt, containing my signature, proving that i was made aware of this alleged debt within the 5 days of its inception. Also please provide the Original Promissory note proving i owe this alleged debt and provide the original instrument of indebtness.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXXXXXX opened XX/XX/year>XXXX XXXX XXXX XXXX XXXX 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason.

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting or other personal consumer reports

To whom I make a concern, This is preposterous To know my information is being leaked out. No answers. I keep disnothing is happening to my credit report. However, I'm still building my credi, don't. 
Want to sound entitled, but I feel like I am a victim. That's becoming a Survivor. I am. 
entitled to not only removing of negative accounts. Also, some type of settlement. 
Thank you for you time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complainant is presently applying for a mortgage loan modification. XXXX XXXX XXXX  acting as a debt collector on behalf of XXXX XXXX XXXX XXXX attempts to collect invalid putative medical debts. A patient has a right to information necessary to provide her healthcare provider with informed consent regarding treatment. The information a healthcare provider has provided to a patient must include information regarding the availability of state sponsored health insurance for those without necessary coverage including such programs as Children 's Health Insurance Program ( CHIP ) that provides no-cost or low-cost health coverage for eligible children in California and would provide the patient with a decision-making option of whether to obtain this coverage or allow a medical collections bill damage the patients credit standing.
Product: Debt collection

I owed Money to XXXX and received a letter from True Accord as they were the collection agency for XXXX. As of today, XXXX is stating I still owe the money as I settled on XX/XX/year>24. 
They never reported to XXXX that my account was paid. XXXX will not let me order anything at this time.
Product: Checking or savings account

I am a victim of a scam. My chase account was compromised, I was contacted by someone claiming to be chase XXXXXXXX XXXX  and provided all of the information needed to complete a wire transfer on XX/XX/2023 in the amount of {$8500.00}. Chase is holding me accountable when I am a victim of a scam.
Product: Credit card or prepaid card

Goldman Sachs is REFUSING TO PROVIDE ME MY ACCOUNT NUMBER by any verified method. Goldman Sachs demands I gain this info on this closed account by a cell number and cell phone on a wallet app I no longer have. This refusal is not only anti-consumer it is anti-business. Goldman Sachs doesn't want to get paid if it doesn't provide the information necessary to conduct a balance transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to bring to your notice that my credit report shows an inquiry from your company, which I do not understand. As far as I know you are not permitted to inquire about any of my debt amounts without my authorization. 

The presence of such items on my credit report is likely to affect my credit worthiness and hamper my chances of acquiring new credit. Therefore, I request that you remove this inquiry from my credit report immediately.
Product: Prepaid card

I submitted a complaint on XX/XX/2023 complaint ID # XXXX. 
The complaint was closed and I received a letter from B of A dated XXXX XXXX stating that the block on my account has been removed and that they had received validation of my card account which resolves the reason for the block and that the remaining funds were now available for use. So once again I use my card for an online payment on XX/XX/2023 in the amount of {$250.00} which the payment was successful. 
Then I send my girlfriend to the B of A atm to wthdrawl a {$1000.00} and it declined. She then tried {$800.00} and it declined. I then call the card and it ask me to verify the transactions which I did and then it stated my card was now ready to use again. So I try again at the Atm and it declines. I call the bank and they say they have to verify who I am I answer all there questions and once again they tell me that I have to go into the bank with two forms of ID in order to be able to use my card again. I told the rep that I had already been through this and that B of A had already sent me a letter stating that the block was lifted. The rep stated there is nothing she can do I just have to what the bank is asking. So I decided to let the card rest and the next day XX/XX/2023 I was once again able to use my card to pay my phone bill for {$110.00} which the payment was successful. So once again my girlfriend goes to B of A ATM and try to withdrawl {$1000.00} and it declined. So she tried {$500.00} and it declined again. So I recevied an email asking me to verify transactions so I did that. Then the Rep said they have to verfy who I am. So I answer all there questions correctly the only thing I dont have is a phone in my name for them to verify and send a one time text to. So they said I cant be verified so I asked to speak to a supervisor and I explained everything to her and she stated she cant discuss nothing with me until I am verified again. I even explained to her that I had already received the letter from B of A stating this has been resolved and my account was unlocked and that I have even been able to make 2 purchases prior. The supervisor hung up on me and now my card is completly deactivated again.
Product: Mortgage

I was in the process of refinancing so did not pay XXXX payment until XX/XX/XXXX because the closing was not going to go through. I randomly checked my credit report and it stated I had a 30 day late payment posted by the mortgage company, Loancare. I called Loancare and they admitted their mistake and also informed me that the late payment was posted in mid XXXX, so not even close to 30 days. While the loan was paid 29 days late on XX/XX/XXXX, it was never 30 days late and there was no reason to issue a 30 day late payment in the middle of the month when it was only approx. two weeks late. 

This has dropped by credit score by nearly 50 points and I was refused financing to purchase a vehicle. They said they took it off my account on XX/XX/XXXX ( Letter attached ) but it is still showing. I am at the end of my lease and need to purchase a new vehicle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX jacked up my interest rates for unjust cause XX/XX/XXXX wiped out all my statements off line, when I disputed the interest rates after discovering this XXXX XXXX tried to say I reported my card lost or stolen which I did NOT DO. THEY DELETED THE OLD ACCOUNT NUMBERS AND ADDED NEW UNFAVORABLE TERMS AND CONDITIONS ON MY CONSUMER REPORT. AFTER TRYING TO MAKE A GOOD FAITH PAYMENT XX/XX/XXXX. XXXX XXXX refused my payment after holding it for a business week. Returned the uncashed check to me and reported to the consumer reporting agencies Trans Union and XXXX that I was late in XXXX which I had already filed in Arbitration with XXXX. End of XX/XX/XXXX. They closed my account reported 180 days late and charged off the account and reported the account was reinvestigation complete by furnisher XXXX XXXX which was not and is still in dispute with Arbitration and Federal courts. But they still refuse to correct the inaccurate information that they report for over two years in dispute and refuse to correct or fix the lies and incorrect, inaccurate, incomplete information on my consumer reports. This is a travesty of injustice and misleading and should never have gotten to this point as the CRA s will not look into any furnisher or subscriber of theres to fix or corrects this matter of inaccuracies. They need to be punished
Product: Checking or savings account

On XXXX XXXX of 2017 I had deposited a check of XXXX and XXXX dollars cash through a chase ATM drive through but the cash never deposited into my account just the check. Right after the incident of the ATM stealing my money I filed a claim with the bank giving them the information from the receipt. They deposited XXXX into my account while the claim was being reviewed but fast forward towards the XXXX of XXXX they take the money back out. Once again I call to see what the isssue was and this bank tells me that the cash I deposited was n't able to be found. Now how in the world is that possible money does n't disappear out of thin air and this is n't the first time it happens to me with this bank. I still have the receipt from that transaction as well. It 's ridiculous to think a bank is blatantly stealing my money. I mean for crying out loud ATMs have cameras they can check that I deposited that cash on that date
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



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