23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The Complaint that I am filing is about Shellpoint mortgage and the improper communication and treatment of us during trying to short sell our home which resulted in a foreclusure, and then also incorrectly filing credit information claiming that our account is still open with them to this day, when it was closed a year ago. We originally had our loan through XXXXXXXX XXXX. They sold it to Shellpoint. We tried to short sell our home and they did not tell us that we were not approved for a short sale until we had been trying for two years. We brought multiple offers to them and they failed to communicate with us. When we found out that we didn't qualify for a short sale the only option that was left was for us to foreclose. It took shell point 4 years to foreclose on our home loan. In which time we were just waiting around for it to happen. It finally foreclosed last year in XX/XX/XXXX, at which time the account closed. We found out that they were improperly reporting an account open on our credit last year and complained and called them to resolve it. They said that it was resolved. We checked our credit today XX/XX/XXXX and it says that they are STILL reporting that we have an account open with them that is in default. We talked to a Shellpoint manager and he said that this shouldn't be happening, but that's what they said last time and they never fixed it. Because of the way that this company has failed to perform it has hugely affected my family. The foreclosure should not have taken 4 years. My family is not able to buy a home. We are living in an apartment with XXXX kids now waiting for the foreclosure to go off of our credit and whenever we check the account is still listed as open. This is completely unfair credit reporting. We are perfectly able to buy a home and we would have been able to buy one if it were not for their misreporting and lack of communication. We are not even normally the type of people that default on payments and here we are still in an apartment 5 years later because of what this company has done to us.
Product: Mortgage

My mother, XXXX XXXX XXXX, passed away in XXXX of last year XXXX XXXX ). I, XXXX XXXX, was named as both the executrix and sole beneficiary of the estate. XXXX XXXX had a mortgage through XXXX Mortgage. 

After letters of testamentary were issued to myself, XXXX XXXX, I issued a certified ( with an embossed seal XXXX letter of testamentary, which named me as the executrix, to XXXX Mortgage. I also sent a scanned copy via email to both their customer care and special loans department. I received both email and physical written confirmation of receipt of documents from XXXX Mortgage. The letters were issued by the court in XXXX, the documents were sent to XXXX Mortgage in XXXX of XXXX. We were told they would take XXXX months to be put into imaging. We have followed every protocol they have requested of us, and have been making payments until we missed XXXX due to an error on my part, probably due to the emotional state we were in around the anniversary of her death, in XXXX XXXX. We are currently requesting to speak with someone about the late fee and having a XXXX month loan payment pushed back due to XXXX XXXX which has made our personal bank inaccesible. 

Freedom mortgage refuses to speak with me. They request, every time I have called XXXX In XXXX we did this as well XXXX, that I resend the documentation. I did so in XXXX and again in XXXX. They will not speak and deny we have sent it or that they have received it XXXX we have confirmation stating otherwise ). 

This is traumatic everytime we go through it because we can not continue despite probate being closed and must go through this process over and over again, and they still refuse to speak to me. It 's incredibly upsetting every time. 

Someone name XXXX at XXXX Mortgage hung up on us despite being advised repeatedly not to do so.
Product: Mortgage

My second mortgage, which was modified ( around XXXX ) from a line of credit to an installment loan, still reports as a revolving account.The difference between a revolving and an installment account is clear, and this account does not have revolving access to a credit limit. It is an installment loan only. It is reporting as a revolving account to all three credit bureaus. 

Called Wells Fargo on XXXX to inquire request an explanation of what could be done. Was told by a banker within Wells Fargo Home Equity that the account was in fact an installment and no longer revolving. 

Called Wells Fargo on XXXX to follow up on my request, since nobody had called me back in nearly a week. Was told again by a customer service rep that this is an installment loan. I asked them to take the necessary steps to reach out to the bureaus to report it accurately. The customer service representative then turned me over to an escalation specialist. The specialist told me that it was reported accurately, but with no explanation. He then put me on hold for an hour, at which I ended the call. 

The files attached are of my monthly statement for the account. It reflects that no credit is available, and that the payments are on an installment basis. By definition, this is not a revolving account. I have also attached a copy of the reporting to one of the bureaus ; the reporting to all three, XXXX XXXX  and XXXX XXXX are all the same.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. The reported late date is greater than 7 years and should be removed from the credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, {$15000.00} was stolen from my XXXX XXXX XXXX  savings account via Zelle. This happened as I sat in the bank lobby waiting to talk to a banker and after a teller had confirmed that I was speaking to XXXX XXXX XXXX  fraud department on my phone. By the time I was seen by the banker, my entire savings account had been drained. Neither XXXX XXXX XXXX or Zelle want to take any responsibility for this. I've already received my refusal letters from XXXX  XXXX XXXX and am expecting my Zelle refusal any day now. I have filed a police report and will be contacting the Texas attorney general if my money is not returned to me.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX - XXXX {$2500.00} Account Name : XXXX  # XXXX - XXXX {$2500.00} Account Name : XXXX # XXXX - XXXX {$600.00} Account Name : XXXX  # XXXX - XXXX  {$1900.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} Account Name : XXXX XXXX XXXX XXXX XXXX  {$1400.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX - XXXX XXXX$1900.00} Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX {$610.00} Account Name : XXXX # XXXX - XXXX {$1500.00} Unauthorized Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Debt collection

I want to add additional comment and complaint against Second Round Sub LLC. 

Their response below clearly state that they are not a credit agency and that I have to communicate with XXXX XXXX to follow up. However, after XXXX XXXX XXXX XXXX response in a letter, clearly states that the account was SOLD to XXXX XXXX XXXX on XX/XX/XXXX and that I should contact them directly to XXXX. 

Whom should I go then for the request of the deletion of this account after been settled? I have proof of Stipulation of Settlement Agreement, proof of Stipulation of Discontinuance of action, proof of payment. Now I have find out no agency can sue me if a XXXX has been expired specially under unemployment circustances. This is something that need to bee investigate. 

As of XX/XX/XXXX, XXXX XXXX has a three-year statute of limitations on many kinds of consumer debts, including credit card debts ( XXXX Civil Practice Law and Rules section 214-i ). If someone were sued on a credit card debt on or after XX/XX/XXXX, and the last payment on the credit card was more than three years ago, this person likely have the defense that the statute of limitations has expired. If the statute of limitations has expired, the court must dismiss the lawsuit. 

XXXX XXXX response on previous complaint # XXXX : XXXX XXXX appreciates the opportunity to respond to XXXX XXXX 's concerns. The account she references in her notice was an XXXX XXXX XXXX originally issued by XXXX XXXX. The account was opened on XX/XX/XXXX and was charged off by XXXX XXXX on XX/XX/XXXX. The last payment made on this account prior to chargeoff was made to XXXX Bank on XX/XX/XXXX. XXXX XXXX purchased this account on XX/XX/XXXX. Please be aware that XXXX XXXX is not reporting to XXXX XXXX 's credit report. XXXX XXXX is not a credit reporting agency. Because of that fact I can not make any judgement as to what is showing on XXXX XXXX 's credit report. She maXXXX wish to contact the original creditor to determine if they have any reporting on the account. XXXX Bank can be reached at : XXXX. Attached to this response is a Release of Claim letter XXXX XXXX requested, indicating that the account is closed in our files and that XXXX XXXX has no further obligation to XXXX XXXX I am unable to mail the letter as we do not have a current address for XXXX XXXX. The address provided in this complaint appears to be a commercial address. However if she would contact our offices to provide a current address I can send a copy to her home as well. She can reach us at : XXXX. Please let us know if there is anything further needed for this matter.
Product: Credit card or prepaid card

On  XXXX   XXXX ,2017 I noticed an unarthorized transaction was charged to my account for {$300.00} I immediately called direct express to make them aware and find out how did something like this happen the lady looked into the account and seen it was clearly compromised as the undocumented company tried to also take another {$490.00} out as well she canceled my card told me they would investigate and cure the issue I ca n't remember if she told me the investigation process but I know I received a letter about my dispute saying it could tak e 45 to 90 b usiness day 's however in my case I didnt believe it would take that long 45 days came and they put the money back on my account only to snatch it back off I noticed when I went to pay an already overdue bill I figured it was a mistake as I called thinking it could be simply fixed I was then informed that it was a provision credit that was put on there that could be snatched back off with no explanation I was in disbelief as I cried like a baby on how was I going to feed my kid 's and pay my bills the lady who was very rude told me to call local food bank 's which insulted me for the life of me I ca n't understand why must I be made to suffer longer for something that can easily be seen as a hack this card company is horrible and has horrible ratings from the   BBB    with so many customers who experience the same issue 's I just want my money back and to close my account as I  feel un eased violated and I no longer trust them with my finances ple ase help
Product: Mortgage

Mortgagor is currently under contract for the sale of his property but servicer has a foreclosure date set for XX/XX/2016. Sadly mortgagor just realized he was scheduled for foreclosure the XXXX two days ago. I reached out to the mortgagee ( Nationstar Mortgage ) and requested a postponement of the foreclosure and let them know the current offer pays them in full but they said they wo n't guarantee me they will postpone. I am hoping they will but fear if they drag their feet I wo n't have time to stop the action. I am requesting the CFPB stop this foreclosure because the damage to my client will far outweigh any potential damage to the mortgagee and or investor on the loan. I know this is last minute but this case has compelling circumstances that warrant flexibility of the mortgagee.
Product: Credit reporting or other personal consumer reports

I wrote to XXXX in XXXX and asked for the removal of the accounts mentioned below for inaccuracies. they have not removed them. I request the immediate removal of the following negative items from my credit report, as they are unjustly affecting my creditworthiness : XXXX XXXX have not been provided with an account number or details, yet this account appears on my credit report. I can not validate this account, and I believe it should be removed if they can not provide appropriate information. 

XXXX XXXX  have no open accounts with XXXX XXXX, yet I am being reported for delinquent accounts every month. I request that the CFPB ask XXXX XXXX to validate these accounts or remove them from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 ; XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX
Product: Debt collection

The car loan was paid off by insurance. The collection company is charging me interest because interest was charged while they waited for the insurance company to pay
Product: Debt collection

I have explained that I was in a car accident so I am not able to pay this now that I will contact them when I am ready. They continually call while I am working and have told them numerous times not to call till after XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX My Experian report # is XXXX Account name XXXX XXXX Account number XXXX .... 

requesting your method of verification I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you clam that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this in face was an investigative consumer report, I am also exercising my rights under 15 USC 1681a ( e ) Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this trade account and all information of it must be removed from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, YOU BROKE THE LAW!! 


Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; It has come to my attention that your company has violated multiple provisions of Title 15 USC 1681 of the Fair Credit Reporting Act. The accuracy and fairness of consumer reports is imperative to the functioning of the banking system, and the actions of your company have put this principle in jeopardy. 

Pursuant to Title 15 USC 1681 ( a ) ( 1 ), I was never notified of the furnishing of inaccurate information to my consumer report, which has caused my report to be unfair and undermined my confidence in your company 's procedures.

Moreover, Title 15 USC 1681 ( a ) ( 2 ) establishes that your company 's actions have caused harm to my reputation and creditworthiness, and Title 15 USC 1681 ( a ) ( 3 ) states that your company assumed a role for which it was not authorized by me or a competent court of jurisdiction. Furthermore, Title 15 USC 1681 ( a ) ( 4 ) establishes that your company failed to ensure the accuracy of the information and to exercise its obligation with fairness and impartiality, resulting in a breach of my privacy rights. 

Additionally, Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) clarifies that transactions between the consumer and the person making the report should not be included in the consumer report, and Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) states that the consumer should be given the opportunity to deny the information being reported.

Furthermore, Title 15 USC 1681a ( B ) excludes the authorization of specific extensions of credit, such as credit cards, from being included in the consumer report. Finally, Title 15 USC 1681a ( e ) outlines the requirement for a thorough investigation when producing an investigative consumer report, and the Fair Credit Reporting Act regulates the production of consumer reports to ensure the accuracy and reliability of the information included. 

In light of these violations, I request that this inaccurate information be removed from my consumer report immediately, and that your company cease reporting my information in its database. I also request a copy of my investigative consumer report, as required by the Fair Credit Reporting Act. Any failure to uphold the law will result in a defamation lawsuit. Let me remind you that company policy does not supersede federal law. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX RE : NOTICE - XXXX XXXX XXXX XXXX NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to Clarity that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX Account number XXXX {$44000.00} Date opened XX/XX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance {$56000.00} XXXX. XXXX XXXX XXXX XXXX Original balance {$66000.00} Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Original balance {$49000.00} Account number XXXX XXXX. XXXX XXXX XXXX XXXX Original balance {$56000.00} Account number XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Original balance {$47000.00} Account number XXXX Date opened XX/XX/XXXX Sec. XXXX - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. XXXX - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the XXXX  statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does Clarity allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the XXXX  can be substantiated, I DEMAND that Clarity PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Experian and XXXX are in direct violation of the XXXX XXXX XXXX non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The XXXX  non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of license
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX It's 12 hard inquiries on my credit report is not mines how do I remove them from my credit report. Email address XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i received an email from chase credit journey about a new inquiry on my credit report. I checked and there was a credit check coming from lender : nordstrom/td bank usa .

Inquiry date : XX/XX/XXXX. I tried calling the company but in order for them to talk to me i need an account number and i do not have that. I havent applied for anything recently this was not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Letter Notification & Disputes in XX/XX/2022 and XX/XX/2022 to Experian. Experian is reporting ( 2 ) Alleged Debt Collection amounts {$7100.00} and {$920.00} from the same Alleged Debt Collector " XXXX XXXX XXXX '' : These accounts are inaccurate & fraudulent as I have never signed any contract to do business w/ XXXX XXXX XXXX or signed any permission for their company to have my private information ; Congress has stated under federally protected law that I have a right to privacy. Since XXXX XXXX XXXX fraudulently obtained by private information, Experian is also participating in this fraud by reporting my private information ; This is a form of Identity Theft. 
I obtained my XXXX Credit Report from www.experian.com stating I have ( 0 ) Collections which factually provides proof of inaccurate information since it is coming from their own website Experian has not provide my their company 's Method of Verification and requested investigative consumer report as detailed in 15 USC 1681a ( e ) I have requested Experian to Block this Alleged Debt Collector Information per 15 US Code 1681c2 I have provided Experian noticed they may be civilly liable for negligent noncompliance per 15 US Code 1681o SEE ATTACHED Letters that have been mailed and received via Certified Mail to Experian and their Registered Agent