23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shellpoint and its predicesor company Specialized Service Lending, have acted in bad faith throughout the term of the arrangement. Both companies have violated their fiduciary duty to me by refusing to review my questions on accounting and billing and instead retaliating by refusing reasonable terms to bring my loan current - and instead throwing me on the path to forclosure on a property I have paid my mortgage ontime for over twenty years. 

I have held a mortgage loan with XXXX XXXX since approximately XXXX. I refinanced successfully on several occassions and my loan payment was paid bi-monthly which greatly expediated payoff. 

I wsa forced to enter into the Federally mandated forbearance program for my mortgage with XXXX XXXX due to financial and personal difficulties during COVID, inclusive of the loss of my job, my father and a XXXX XXXX XXXX XXXX in XXXX After six months on the program, mt loan was - and without any description of why- was transferred to SLS. I believe this was done due to my age and status as an unemployed single woman on forbearance. XXXX XXXX has offered no information on why my loan was transferred. 

Despite being in forbearance the first correspondence I received from SLS in either XXXX or XXXX of XXXX was a demand to pay the full amount of my forbearance back pay. I did not receive a timely welcome letter as required. When I submitted a cease and desist for collections as I was on forbearance I was met with repeditdly retaliation from SLS inclusive of failing to provide with with statements and information essential to my understandin the methods of calulating my debt. I was forced to resort to contacting XXXX XXXX to intercede - inclusive wihen SLS runlawfully efused to extend my forbearance. 

Further, SLS acted in incredible bad faith when they did not discuss options on resuming my mortgage payments, inclusive of what was promised to me - lumping the sum on the back end of my existing mortgage. Instead they demanded I go through a refinance which extended my debt and time to payoff - all of which was done without resolving my questions on the payoff timing and how my bi-monthly payments impacted my loan payoff. As I have paid in advance for years - I assume I am at least 7 years ahead of my payoff and thus the forbearance has not made me late in making payments. 

SLS and Shellpoint, SLS successor, refuse to review and discuss this issue since inception of the relationships.Customer Service refuses to acknowlege this issue as the billing dispute it is and has continually demanded ful payment without any due processs. 

I have attached correspondence. In addition, my good faith efforts to provide payment as the billing dispute was ongoing were ignored and checks sent to SLS/Shellpoint CEO are now missing and or have not been appropriately applied as required. 

Shellpoint has also acted in retalitory fashion. Their response to my correspondence of XX/XX/XXXX was to place my account in demand to pay mode and rejected my request for additonal forbearance due to my tenant not paying his rent for over six months and I engaging in eviction proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, reported they investigated the reported information, I also supplied the company with paid in full letters from the companys and refuses to report correct information. I can not get ahold of the company via telephone to seek the results of the investigation and it appears the documents I sent to them since XXXX are not being used. They are reporting they investigate and when I reach out to the companys they are report ring they asked Experian to delete or remove the information they continue to report as correct. This company is being discriminatory against my complaints.
Product: Debt collection

Avante USA at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx. XXXX sent me a letter dated XX/XX/19 stating that a debt of {$950.00} was sold to a company named XXXX XXXX XXXX. Avante stated in their letter that I needed to respond to them within 30 days or the debt would be considered valid. I sent Avante a request for validation letter on XX/XX/19. They never responded. XXXX XXXX never sent me a letter or made contact by phone in order to collect on this debt either. Instead the same account ended up in the hands of a company named XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Mo. XXXX. Avante USA changed the amount of the debt from XXXX to XXXX and continued trying to collect on the debt through the credit reporting agencies. In addition XXXX XXXX XXXX, who never made any contact with me, is also reporting the same debt of XXXX with the credit reporting agencies as well. They immediately contacted the credit reporting agencies and had the debt put on my credit reports without giving me the opportunity to request validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to correct errors by sending dispute letters and I have contacted XXXX XXXX XXXX  by voice with no result so I would like to request that CFPB step in and help. On XXXX XXXX I Received a LexisNexis Report. Consumer Number XXXX, XXXX XXXX XXXX. My first concern is that I have Security Freezes on all the credit reporting agencies including XXXX and LexisNexis. How was this information sent to LexisNexis from XXXX with the security freeze in place? I will attach page 1 of 20 showing the sharing of my credit information. The second Error I found is the accurate reporting of information on my LexisNexis - XXXX - XXXX XXXX XXXX  credit information. BY Law FCRA Section 611 Furnishers and Credit Reporting agencies are to report information Accurately and is Complete If information is incorrect or incomplete the account is to be DELETED. Located on Page 5 of 20 XXXX XXXX XXXX  Report contains multiple ERRORS. XXXX XXXX XXXX XXXX Account Number XXXX. This account was reported for incorrect amount of {$24000.00} correct amount {$24000.00} ( INACCURATE ) .I will attach a copy of the from XXXX XXXX XXXX  which will show the payment history - which will show the errors. ( ERROR 1 ) - Status ( Discharged through Bankruptcy XXXX XXXXNever late ) This account was not discharged but was REAFFIMED meaning the account continued to be paid - paid in full with a zero balance,. ( ERROR 2 ) The payment history shows payments through XXXX of XXXX of the credit report. Please look at the attached payment history from XXXX XXXX bank you will see that the last payment was made XX/XX/XXXX. THIS IS OVER 3 YEARS DIFFERENCE from what is reported????? This loan was paid in full, on time, and to a zero balance. Many of the Categories of this report have been filled in with " Not Reported '' leaving the report INCOMPLETE. 
Terms " Not reported '' This account was in place from XXXX to XXXX ( ERROR 3 ) Recent balance " Not reported '' ( ERROR 4 ) High Balance " Not reported '' ( ERROR 5 ) Monthly Payments " Not Reported '' ( ERROR 6 ) Recent Payment Amount " Not reported '' ( ERROR 7 ) Date of Status -Incorrect - This account was paid in full the last activity was XX/XX/XXXX ( ERROR 8 ) This account was paid in full, with no late payments, the account should have been listed as a positive account. ( ERROR 9 ) By law tis account should show ACCURATE and The information should not be missing information. This account has shown multiple ERRORs and is incomplete making this INACCURATE. XXXX XXXX XXXX  has verified this account even with the attached information showing it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies violated my consumer rights, by sharing information without my knowledge consent or instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE.I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL, OR ANY INFORMATION.I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2 COMPLIANCE PLEASE ASSIST ME ON REMOVING THESE ACCOUNTS. THANK YOU.
Product: Credit card

I have a Chase Ink card for my company. In early XX/XX/year>, I requested that XXXX XXXX gift cards for {$100.00} each be sent to me from my accrued points ( total coast was XXXX points ). I never received them. At the end of XXXX, I called and they told me they would launch an investigation. In early XX/XX/year> I received a letter stating that, due my having multiple accounts ( I have a personal Chase card as well ), Chase directed me to go to a Chase bank to correct a problem ( not sure what the problem is ). I called XXXX  times ( including today ) to request that instead of sending me new cards that they just return to the XXXX points to my account. Chase has refused to do so and insist that I go to a Chase bank branch ( this is very inconvenient for me and I do not have a bank account with Chase, only credit cards ). 
I believe it is extremely unreasonable to require me to physically go to a random Chase bank to resolve this issue. I am requesting that Chase credit my account the XXXX points that were deducted for gift cards that I never received.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX amount XXXX These persons have 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 agency can not furnish an account without my written instructions.

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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing XXXX to report falsely..I have disputed numerous times with them. I have two XXXX accounts which were sold to another collection company called XXXX. The balance should be {$0.00} on both accounts. I have the paper trail of every dispute
Product: Vehicle loan or lease

On XX/XX/XXXX XXXX XXXX XXXX, I was in a vehicle wreck which totaled my truck. Insurance paid out the loan to Chrysler Capital which resulted some overpayment and the need to refund me for the loan amount and additional product cancellation. Chrysler Capital has only send partial payments at this point and will not give me clear status of what's going on with the remaining balance ( s ). I have attached the cancellation paperwork and payoff letter. 

-Chrysler Capital has paid {$550.00} in vehicle payoff overpayment in XX/XX/XXXX, ( deposited on XX/XX/XXXX ) -Chrysler Capital may have paid {$560.00} for GAP insurance refund in XX/XX/XXXX, ( deposited on XX/XX/XXXX ) -Chrysler Capital has paid {$1200.00} for Tire Warranty, original amount {$1500.00} in XX/XX/XXXX, ( deposited on XX/XX/XXXX ) -I do not believe they paid me for maintenance package, original amount of {$220.00}, as I can not find a record of deposit -They have not paid me for the XXXX extended warranty, original amount of {$2700.00} I have contacted Chrysler Capital on XX/XX/XXXX originally regarding the approval of the remaining two items and stated that they were not approved yet. On XX/XX/XXXX of XXXX, I contacted them again and learned that they were approved and the checks would be sent out in XXXX days. I called on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX. Each time they claim the checks were sent. I informed them that I had not received them, which they confirmed, and stated they would resend them. At no time have the provided any evidence that the checks were sent and they will not send the check in a trackable manner such as Priority Mail or XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed 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 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 bankruptcy. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit card

On XX/XX/year> I was the victim of a phone scam. I first received a text from XXXX XXXX asking if I made an XXXX XXXX purchase in another state at a grocery store. The text said to call XXXX and provided a phone number if I did not make this purchase. I then fell and hit my head before calling back the number, unknowingly sustaining a concussion. I then called the phone number claiming to be XXXX XXXX, and the person who answered indicated that my checking account had been electronically compromised. He then transferred me to the fraud department. He told me that in order to " undo '' these charges we had to complete a series of steps which he walked me through and described in great detail while he was accessing my phone why he needed to this. While he was on the phone with me he insisted it was very important that I stayed on the phone with him and did not make any phone calls so that we did not lose the call. He then told me the last step was to purchase gift cards at XXXX 's in specific denominations so that I could enter them into a XXXX app to get my funds back. I would like a refund on these funds in the amount because although Barclays claims that the " activity is valid '' because the card was in my possession, I was coerced and scammed at a time when I had sustained a XXXX XXXXXXXX XXXX XXXX. This purchase and this behavior is completely out of my character. I have never made similar purchases and an hour into the phone call I realized I was the victim of a scam. I took immediate steps to remedy the situation including cancelling all of my credit cards, my checking account, filing a police report, and having my cell phone cleaned. This situation has seriously harmed my credit and my mental health. I understand Barclays /Mastercard is backed by FDIC and I am seeking a refund for the amount of {$1900.00} from Merchant XXXX XXXX XXXX.
Product: Credit card

I were charges a " security fee '' i was unaware that this was on my accounts. I wanted a refund on this and i was told i paid in over XXXX XXXX and they said they would only give a refund of XXXX on one card and XXXX on the other. This was something that i was unaware that i had i was under the impression it was an interest fee this was NOT something that i wanted and i want the money returned. It was in the agreement buried that was auto clicked that apparently would need to deselect. This fee then accumulated interest that made it so my balance never went down casing hi credit utilization that was almost impossible to get down making it reflect poorly on my credit score/loan applications. This is a very shady and predatory. They state that they will call back no calls back. I am writing this complain to hopefully get this resolved prior to my appt. with an attorney.
Product: Vehicle loan or lease

I entered into a contact with Santander Consumer USA approximately 31 months ago. The amount of {$13000.00} was financed, at an interest rate of 23.8 %, for the purpose of purchasing a 2015 XXXX XXXX XXXX ( VIN : XXXX ) from XXXX XXXX ( XXXX, FL ). To date, I have paid Santander the amount of {$12000.00}, over 31 months, toward satisfaction of this loan. 

While I have paid {$12000.00} over 31 months of a 72-month loan taken in the amount of {$13000.00}, and tried to satisfy his obligation early, Santander demands yet another {$11000.00} ( {$23000.00} in total, at a profit of nearly % 70 ) before it will release the title. Profiting in the amount of {$9700.00} from lending me {$13000.00}, over 31 months, would seem to constitute usury and violate clearly established laws governing consumer protection. 
The GAP insurance product that was sold to me by Santanderthat added nearly {$1000.00} to his loanhas already been declared unlawful.https : XXXX. Subprime, predatory lending practiceslike what occurred herehave already resulted in a number of consent decrees against Santander.https : XXXX. 

Like millions of Americans during the pandemic, I experienced some financial hardship as a result of lost income stemming from the impact of COVID-19. During this period, Santander offered assistance through loan extension programs. While these extensions were marketed as COVID-related relief, Santander applied an additional {$610.00} in undisclosed fees to the account, which I was not told about. The extensions also resulted in additional interest under terms that were not clearly defined at the time they were marketed as pandemic relief.

The Truth in Lending Act ( TILA ) aims to ensure that borrowers such as myself receive a clear and understandable layout of certain costs and terms. TILA also requires lenders to lay out the terms in a uniform way, and make the risks and costs of borrowing transparent, and to protect consumers from predatory lending. The terms of my loan with Santander fail to satisfy TILA requirements on a number of fronts. Particularly, those provisions identified on Page 3 ( OTHER IMPORTANT AGREEMENTS ). At no time did I understand that even if I were to pay off this loan 42 months early that I would be liable for an additional {$9700.00} beyond the principal amount borrowed. 

The below calculations explain the problems with my loan. I'm seeking a settlement for the rest of this loan. Paying Santander Consumer USA nearly 170 % of the loan amount he received is outrageous. 

Amount Fin. {$13000.00} Total Paid : {$12000.00} Applied as follows : Interest : {$9300.00} Principal : {$2400.00} Late Fees : {$360.00} Misc Fees : {$250.00} Payoff Quote : {$11000.00} Final Amount : {$23000.00} ( 69.54 % profit ) Profit : {$9700.00} over 31 months
Product: Prepaid card

My complaint is about how Rushcard decided to close my account without my knowledge and tried to keep my money. Rush card accounts department decided to close my account but they did not tell me. In addition, they allowed my payroll check to go into this closed account. Then, Rushcard 's customer service refused to give my money back to me for 4 days. I kept calling and calling yet they decided to gaslight me at every turn. Every customer service person decided to lied to me and felt like that my money belonged to them. Particularly, sales associate XXXX who lied to me and told me that she did not want to give back my money. Also, her supervisor XXXX who yelled and tried to cussed me out. After all of this, Rushcard gave me back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone open up a credit card account under my name without my permission and now its negatively affecting my credit score.
Product: Mortgage

I have asked him on multiple occasions to send me an amortization of the loan payments. Request that the mortgage servicers of the loan ( multiple ) be investigated, since they can not provide me with detailed information and a breakdown of the items that are charging me in the total mortgage debt, the awarded payments, charges, legal expenses, among others.
Product: Credit reporting or other personal consumer reports

I told this company that this account XXXX XXXX NUMBER - XXXX that this account was involved in a data breach and my information was compromised. I was sent a pre paid card of XXXX and this account is still on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for purpose.
Product: Debt collection

I get calls several times a day from Torres credit services. Number XXXX. No one speaks when I answer or they only say hello. When I call the number I am put on hold and then sent to voicemail. The repeated calls on a daily basis are disruptive to my household and constitute harassment. Please help. I do not have any outstanding debt. This is clearly a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 XXXXXX/XX/XXXX