23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My newly re-financed loan was bought and is now handled by Shellpoint Mortgage Servicing. I received a monthly statement that included nearly XXXX the regular amount charged for escrow. When I called to inquire, I was told that the escrow analysis did not exist yet and that the representative did not have information available to answer my questions. I was told that I would soon receive the escrow statement in the mail. This morning - more than a week after my XXXX call - I called again with the same inquiry. XXXX, I was told that the person I spoke with originally had NOT placed a request for an escrow analysis, but that the representative would initiate a request. When I told the representative that I needed information immediately as my payment was due, she told me she could not help. I asked to speak with a supervisor and my call was forwarded to someone 's voicemail. I called back, had a similar conversation with a different representative, and my call was forwarded to another voicemail. 

There has been no increase in my taxes or insurance. While I understand that escrow shortfalls do happen from time-to-time, I am unaware of any legitimate reason why there should be a shortfall that amounts to almost an extra months ' payment. 

I have now researched Shellpoint Mortgage Servicing and see that it is a regular practice of the company to seek additional funds PRIOR TO providing homeowners with information as to why the increase is legal and warranted.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/XXXX There are no on time payments from date opened to charge off status why? This is inaccurate payment history reporting. I should have an active payment history from XX/XX/XXXX to XX/XX/XXXX this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Equifax failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I have a checking account with Chase Bank since XXXX with excellent standing record. 

I recently opened a new LLC business checking account.on XX/XX/XXXX at the XXXX branch with {$2000.00} initial deposit. I also deposited {$8000.00} in my personal account ready to pay property tax. 

On XX/XX/XXXX, I am unable to access both personal & business LLC account.s. I have called several times to Chase different departments and finally found out the Bank has frozen both of my accounts and closed them within a couple of days with no explanation or communication.I also went to the branch but got no answer. 

I am in shock since the {$8000.00} just deposited in personal account in XX/XX/XXXX is the fund to pay the property taxes. Both accounts with total balance of {$10000.00} are still unavailable to withdraw as of today, XX/XX/XXXX. 

So far, no one in the branch or customer service call center is able to explain what happened or what to do except having the closing account process to run the course. 

I am still in the hole and waiting for my {$10000.00} deposit to use. I have received two letters dated XX/XX/XXXX stating both my personal and business LLC checking will be closed soon due to " recent activity '' or " did not provide information requested ''. 

The only recent activity was to open the new business XXXX at the branch, which I suspect to trigger all the closing accounts situation for no reason. 

I felt powerless at the mercy of the Chase Bank holding my {$10000.00} property tax money due to pay before year end of XXXX. Apparently only thing I can do now is keep waiting until " who know when '' to get my hard earning money back.
Product: Credit card or prepaid card

I have shopped at Macys happily for years until very recently I applied for a store card which arrived, but every time I tried to use it my orders were automatically cancelled and I was given a message to contact customer service. I did this twice, both times they claimed there was a, temporary restriction and they needed more personal information to remove the hold. After giving the various customer service representatives my information and being on hold long periods of time, each of them falsely claimed to have fixed the issue. I contacted the XXXX, again nothing was fixed and all I received was an generic apology email from Macys ( the problem still exists and my Macys Credit Card is effectively useless, damaging my credit as they took the liberty of applying me for an additional Amex card I did not authorize ). Please help, thank you!
Product: Mortgage

I am a victim of Predatory lending. I was given a pick-a-payment loan in 2006 and Wells Fargo said that they could only help me modify if the loan was in default and advised me to stop making payments and then they would modify the loan. They said they were participating in the Help for Homeowners program. They also said because of my age and the fact that I was an unmarried single woman that women are considered a high risk. I eventually went into foreclosure because they would not work with me and now I am in Bankruptcy court. We filed a modification and had XXXX meditations. In the first mediation on their Good Faith estimate they using to try to show I did n't qualify, they had a XXXX forced place home owners insurance on the document and also the wrong amount for my salary. They told me and my attorney to submit proof of new Home owners insurance and more pay-stubs which they already had. I sent them my new Homeowners policy for XXXX and more pay-stubs the next day. In the next mediation they said they would need a letter of explanation regarding my bonuses I receive from my job and I submitted that the same day. In both mediation 's they said once we produce the documents and letters that my figures were good and I would have no problems qualifying and getting approved. Then we got a denial. So, now we are starting the process all over again. Houses ' are going up in my area and I believe they are using stalling tactics, so they can get more money or try and kick me out. They are refusing to work with me even though I qualify. I also have requested all documentation such as the Appraisal of the property and the original Good Faith Estimate with their fraudulent figures in it. And any and all documentation they used to prove to me why they denied me. They have yet to produce any of their documentation. They attached a document to the last complaint, that would n't open,
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX Has violated my rights 15 USC 1681 section 602 A -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
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I applied for an installment loan and was approved with Balance Credit through XXXX XXXX XXXX. The total loan amount was {$2100.00} with an annual percentage rate of 224 %. In addition to this, they also tacked on a finance charge of {$3200.00}. It was my understanding that I would have a single monthly payment, but after signing the contract, I discovered that they would be taking payments twice a month from my bank account. The total I was supposed to pay back according to the contract was {$5300.00}. In the contract, they listed 26 payments total, but failed to include the daily accrued interest, making the loan much more expensive than promised. Every time I made a payment, the outstanding principal would actually go up - meaning I could not make any progress paying down this loan and was actually paying much more than what was agreed upon. The contract also specifies that if the interest rates being charged exceeded the maximum allowed in XXXX, they would refund the money paid as this is not a legal loan. It is my understanding that they are violating usury laws in both XXXX  and XXXX. XXXX XXXX XXXX  is not licensed in the state of XXXX and Balance Credit has other consumer complaints online in several different places for the same misleading and predatory practices. I emailed them, telling them that I didn't believe this was legal and they responded with their assurance that it was. Because none of the money being given was going to principal, I revoked my ACH permissions on or around XX/XX/XXXX. I'm not in default yet and told them i'm happy to pay the agreed upon amount, but I needed to know that the principal would be paid. They did try to call several times during my workday, but I prefer to keep all correspondence in writing and could not break from meetings anyway. They also made sure that I was aware that they would report me to the credit bureaus and harm my credit score if I did not comply. The entire process was misleading, rushed, and is not operating in line with the contract. Also, in the correspondence they referred to me as someone named XXXXXXXX which could mean they are not properly safeguarding consumer data.
Product: Debt collection

( 1 ) Past transactions with XXXX using XXXX reporting party 's creditor profile were not completely refunded when all items were returned ; and ( 2 ) Citibank allows third party thief to enter and break into home to steal financial statements and copies of card to not allow entry into online banking to review and manage financial information aside from resolve vendor disputes that reporting party believes are created to highlight the bad faith dealing that involves unauthorized third party thieves.
Product: Mortgage

I send my mortgage payment the first or fourth of the month. My mortgage is handled by Flagstar Bank. I asked them why there is a delay in crediting my payment most times the XXXX of the month or later. I also wanted to pay by phone, but was told I had to pay a fee of XXXX dollars. I pay mostly by phone to my home bills and only one bill requires a fee of XXXX  dollar and XXXX cents. I have called them repeatly and spoke to different agents to ask if the fee can be waived and always got a negative answer. They suggest aoto debit or payment on computer site, for which there is no fee. I would like to pay my first of the month bills by phone so as not to forget the dates due. I am a vet. and XXXX XXXX years old so my memory is not how I would like it to be. If this a legal requirement all banks have, then I am satisfied, if not, perhaps this Bureau can garner some help for me. If not, I thank you for all things possible.
Product: Debt collection

I sent a stamped envelope for their convenience along with the payment that was owed. It has been more than a month later, and I have not received a receipt and it is still affecting my credit. The money order has been cashed, and I do still have the receipt for the money and proof it was cashed more than a month ago.
Product: Credit card

I received an e-mail from Chase Bank today, XX/XX/year>, thanking me for applying for a credit card I NEVER applied for. It was sent to my business e-mail address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Subject : Urgent Complaint Regarding Loan Modification and Foreclosure Process Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding a troubling situation with my mortgage loan that I believe requires your immediate attention. The issues stem from a series of miscommunications, errors, and mishandling of my loan modification process by XXXX XXXX and Shellpoint Mortgage Servicing XXXX. Here are the details of my case : Background : The property in question was originally financed through XXXX XXXX with a loan account held by XXXX [ Last Name ]. Following XXXX 's passing, the house was awarded to me, XXXX through his will. 
Initial Instructions : Upon contacting XXXX XXXX about a missed payment, I was instructed to complete the probate process to transfer the loan account into my name. I followed these instructions, and once the transfer was complete, I was advised to wait until the account became 90 days delinquent to be eligible for a loan modification. 
Loan Modification Process : After my account was 90 days delinquent, I was informed verbally by XXXX XXXX that they had received all necessary documentation and that my loan modification request was proceeding. However, I did not receive any formal paperwork confirming the loan modification. 
Account Transfer to Shellpoint : Subsequently, I received a letter indicating that my loan account had been sold to Shellpoint Mortgage Servicing XXXX. I was instructed to follow up with Shellpoint regarding any open assistance options. 
Issues with Shellpoint : Each time I contacted Shellpoint, I encountered inconsistent information. Initially, they claimed not to have received the necessary paperwork that XXXX XXXX had confirmed. Later, I was informed that my loan modification was approved and that I needed to complete a trial payment period consisting of XXXX payments ( XXXX, XXXX, and XXXX ) to finalize the modification. 
Despite making the required payments, Shellpoint abruptly canceled the loan modification process on XX/XX/XXXX without any notification, resulting in my home being placed in foreclosure. 
Current Status : Shellpoint has indicated that the foreclosure is on hold due to their error, but the foreclosure status remains active. 
This situation has caused significant distress and financial strain. The mishandling of my loan modification process and the abrupt foreclosure action are deeply concerning. I am seeking your assistance in resolving this matter promptly and ensuring that my loan modification is properly processed and my foreclosure status is addressed. 

I would greatly appreciate your intervention to help rectify this situation and provide guidance on the next steps I should take. Please find my contact information below for any further communication or clarification. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email Address ]
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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 a account without my written instruction
Product: Money transfer, virtual currency, or money service

Someone had stolen XXXX dollars from my square ash app. account, and when I had ordered a back charge as they asked me to do. Someone in that company got mad and closed my account for a false reason. And removed the DNS settings from my website that I bought from them on XX/XX/XXXX. There rendering the website from working or showing up. I tried to email them but they blocked my email. When I asked them not to shut down my website because I was going to get it transferred they removed the DNS settings so that it would not work. I paid XXXX for it on XX/XX/XXXX, and that was for the whole year. Its expiration date is XX/XX/XXXX. And my website is not working because of what they did out of spite and hate. The name of the website that was removed is http :XX/XX/XXXX
Product: Debt collection

XXXX XXXX alleged that I was responsible for carpet repairs after moving out of an apartment in 2017. Rather than make a claim using an appropriate forum, they incorrectly asserted that my obligation was a liquidated debt. Hunter Warfield continues to incorrectly characterize the claim as a debt. 

In any event, the claim is time barred by the statute of limitations and no debt exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 hard inquiries were made without my authorization by XXXX, XXXX XXXX XXXX, and BB & T DEALER FINANCE. The only credit check I authorized was for XXXX XXXX. I specifically told the dealer not to 'shotgun ' my credit check to other lenders. They were 'shotgunned ' without my consent.
Product: Student loan

I am on an IBR ( income based repayment ) plan with Navient. In XX/XX/2017 I received a one-time inheritance from my XXXX grandmother in the form of an IRA. Even though I clearly noted on the financial disclosure form that the money was a one-time inheritance, Navient calculated it as regular income and doubled my monthly payment even though my income went down. ( Navient acknowledged that I noted this on the form, but said that because I didn't check a certain box on my form, they ignored my note indicating that it was not income. ) Navient had asked for my financial information many months prior to the end of the year but then waited until a week before the new, incorrect, double payment was due before sending me notification that my payment would be doubling. ( Why would they sit on it for months, and then send the bill a few days before the payment was due? I think it was to encourage me to apply for a forbearance. ) When I called Navient to explain that I could not and would not make the double payment, the agent refused to reprocess my financial paperwork correctly and said that I would have to make the double payment and then reapply with new financial paperwork. I was pushed into applying for a forbearance over the phone by that Navient agent after explaining that I would not make a double payment because Navient made an error. After thinking about it, I sent Navient a letter asking them to NOT apply a forbearance to my account, telling them that I would be making my monthly payment in the proper amount and not the double payment they asked for and asking them to recalculate the proper payment amount in a timely manner. They applied the forbearance anyway and also sent me a letter informing me that because they had applied the forbearance over my objection I was losing my Consolidation Savings Benefit. I objected to this and sent Navient five unanswered letters asking them to address this and fix the problem they created. They have refused to do anything and just send me more form letters. I am now withholding my monthly payments from them to compel them to reply to me. They have at least started answering me now that I am withholding payment, but all they have done so far is tell me no and send me more form letters. I'm pretty frustrated and need some help please.
Product: Checking or savings account

my name is XXXX XXXX and santander bank formerly known as XXXX XXXX has blocked my checking and savings accounts. this was done on XX/XX/19. i have made several phone calls and emails and they refused to unblock my accouns i need help i am about to be evicted from my apartment and i have no access to my money. i need this problem to be fixed today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I reviewed my credit report and found the following accounts that I did not open reported on my credit file. I did not open any of the accounts collections agencies are collecting for. XXXX/XXXX  - Balance {$97.00} XXXX  XXXX / XXXX XXXX - Balance {$2200.00} XXXX XXXX XXXX - Balance {$860.00} XXXX XXXX - Balance {$2300.00} XXXX XXXX  - Balance {$2600.00} XXXX XXXX - Balance {$1700.00} XXXX XXXX - Balance {$820.00} XXXX XXXX XXXX - Balance {$790.00} XXXX - Balance {$1200.00} The following addresses on my credit file are not my addresses : XXXX XXXX XXXX XXXX XXXX, TN XXXX I've attached a copy of my state issued ID both front and back as well as a copy of my social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im homeless n cant provide to XXXX XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

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

Take a look at the attached documents. I request the bureau to commence an investigation into these accounts for which I have always been punctual, but they are incorrectly marked as late.