23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage servicing placed my mortgage ( Loan Number XXXX ) in a COVID-19 hardship forbearance. I called the company and informed that i was willing and able to resume making payments to my account. They took my account out of forbearance ; however, the payment amount they gave me was about {$1000.00} higher than before. This was due to the fact that Shellpoint over payed my property taxes by {$5800.00}. This was a mistake on the company 's behalf. My loss mitigation agent, XXXX XXXX informed me that she would place my account on an extended forbearance to allow my town to refund Shellpoint any moneys owed and they could credit this back to my escrow account, then give me an accurate payment amount. The agent indicated that since the account would be placed a forbearance i should not make payments, at least until we have an accurate payment amount. While my account was supposed to be on a forbearance it seems this was not done and therefore the company introduced a derogatory remark on my credit report stating that XXXX payment for XX/XX/2021. Had i known that the payment was due i would've made the payment since i have excellent payment history with this and many other accounts. My agent indicated that my first payment after the forbearance was in XX/XX/XXXX of XXXX. I was only following all of the instructions provided by my loss mitigation agent. I have attached all proof of communications between myself and the loss mitigation agent for your review. Furthermore, my loss mitigation agent no longer works with the company and could not help on this matter.
Product: Vehicle loan or lease

Dear CFPD : BMW finance reported my account 30 days past due to the major credit agencies.This took place while I was making my payments by mail and BMW finance did not receive the payment at all. Despite my efforts to resolve the issue, BMW Finance didnt investigate the root cause.The rep just provided documentation how to dispute the charges using a by mail process to reach out to the credit agencies. 

I need BMW finance to consider this dispute and grant my petition to have the account report updated as no being late. I am a new customer who has not missed any payments since the loan was stablished and the account is current.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The information listed below, which appears on my credit report, is the result of XXXX XXXX. These fraudulent accounts consist of Auto loan account opened at XXXX XXXX XXXX XXXX on XXXX under account number ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX on XXXX under account number ( XXXX ) XXXX XXXX XXXX XXXX  on XXXX under the account number ( XXXX ) XXXX XXXX XXXX " XXXX opened on XXXX under the account number ( XXXX ) XXXX XXXX XXXXXXXX " XXXX  under the account number ( XXXX ) opened on XXXXXXXX XXXX XXXX XXXX XXXX  under the account number ( XXXX ) opened on XXXX
Product: Debt collection

On or around XX/XX/2019, I received an alert from the credit bureaus that two collection accounts hit my reports. Upon investigation, I found that the debt was medical bills accrued over four years ago. However, during that time I was insured and had no knowledge of this debt up until now. I contacted the state of Maryland but due to the time lapse, they could not cover this debt and instead provided me with a document showing that I was covered during the time of service. I forwarded this information to the debt collection agency, Commonwealth Financial Systems, immediately after. I was told by a representative that it would be notated and to give it a few days for this to report to the bureaus for removal of these negative items. Weeks later, nothing has happened in my case and Im given no status updates from the collection agency. I was told today ( XX/XX/2019 ) that it could take up to another month before these items would be removed. I was made aware that this same agency had no control over this, as they are representing another collection agency making them the third party collector. When asked to provide information for the agency in which they represent for further investigation, I was declined by representative stating that they could not provide that information. I am a bit leary that this company has information on me, yet, I cant have any knowledge of who they are. Im continuously getting alerts that this third party collection agency is flagging these debts as collections, further damaging my credit, Im looking to have this reported immediately to the bureaus for removal.
Product: Consumer Loan

My Loan was with ACE CASH Express. My husband had suffered XXXX. I lost my job due to XXXX. I tried to make payment arrangements with the company. They refused to take any money, then hired a company to harass and threaten me. They threatened to take my vehicle and throw me in jail or prison. Demanded I pay {$1000.00} more than what I owe. They are still to this day calling and threatening me. Without, willingness to make arrangements for solution.
Product: Checking or savings account

I have returned the goods back to XXXX and still have not received my refund. I contacted the merchant directly regarding my ACH payment. Even though I haven't used XXXX they charged me and sent me a hardware for computer program. I returned and demanding my refund for my total ACH payments amount of {$22000.00} please see the tracking number XXXX
Product: Credit card or prepaid card

I purchased from  XXXX . At that time I opened a credit card, as I was offered reward credits. I called many times requesting a bill and amount of rewards. After many months I finally received a bill with lots of late fees. I was told bill was sent out. I do n't believe it, I have lived here 27 years, I have always receive my mail. I called Comenity Bank and was given an balance of bill without fees ( I trusted their figures  ). I i mmediately paid over {$1000.00} and considered the bill paid in full. Within a month  or two I re ceived a bill for {$2.00} to {$3.00 } hundred dollars. I w as told there was an error, the finance fees were not removed.  Said he wo uld remove finance fees, again, I was paid in full. Next bill continued to have finance charges. and late fees. Next call : I was told finance charges are never removed. Each month late fees are added. I plan to call   XXXX   XXXX   office. I am  XXXX   XXXX   XXXX  and always have had excellent credit.   Please advise me.
Product: Mortgage

Lakeview Loan Servicing company has been the worst experience of my life. Their website or mobile app rarely works. They advertise to use the online option but does not allow you to make payments. The biggest complaint is that my property taxes were due on XX/XX/2021 and it is not XX/XX/2021 and they still have not been paid and no one can tell me why. The managers and employees appear to be lost as well. Starting feel like this company is one of these companies that will close down, take the money and run. I know that is not how loan servicing works especially by it being a FHA loan. But that is how I feel. This company is terrible and I was not surprised to find out they have a rating of XXXX with the XXXX. I am not sure why the government uses them.
Product: Mortgage

On XX/XX/2021, I applied online to New Rez Mortgage company to refinance my mortgage to a lower rate. My current rate is 5.25 %. I worked with Ms. XXXX XXXX and was doing what was requested of me. Out of the blue, I received a notice of incomplete application letter via USPS, dated XX/XX/2021. The letter stated certain documents were required that I needed to provide. I emailed Ms. XXXX on XX/XX/2021, expressing my concern about the lack of communication. My email was not responded to. I emailed the requested documents to Ms. XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. To date, I have not heard anything else about my application.
Product: Credit card

Talked to US Bank Agent on the phone XX/XX/year>. Stated the 0 % APR period ended on the XX/XX/XXXX statement and That I would have had to make a full payment on XX/XX/XXXX. Fully payment to pay off the amount was made on XX/XX/XXXX, well before XX/XX/year>. She told me to hold on and she was going to check and proceed to tell me That full payment was due XX/XX/year>? I stated if the 0 % APR period ended on the statement close date of XX/XX/year> That full payment would be due on the cycle of XX/XX/year> thru XX/XX/year>. 

The rep even stated that I had to make a full payment on XX/XX/year>. The charge is not valid and the interest should be removed,
Product: Debt collection

It was in XX/XX/XXXX XXXX recovery put me in collection for an account business LLC his name isXXXX XXXX started on XX/XX/XXXX and closed out onXX/XX/XXXX. 
Jomax recovery keep going down my reporting in collection
Product: Mortgage

My VA home loan was refinanced through XXXX XXXX XXXX ( OCWEN/XXXX ) and closed through them in XXXX XXXX, of 2013. Promising a lower monthly payment, with the majority of the monthly payment being applied to the principal on the loan amount versus the interest. Since refinancing in XXXX of 2013, OCWEN has reported a delinquency on the account since XXXX XXXX of 2013, even though the loan was actively being paid with no late or missed payments. The loan was in OCWEN 's responsibility since XXXX XXXX, 2013. They are reporting my loan as delinquent since XXXX XXXX of 2013 when it was still being handled by XXXX XXXX XXXX. How is this possible? I am now receiving reports of an " approved '' foreclosure process on my property, that is actively being paid. OCWEN is now reporting I am in debt to them upwards of {$47000.00} and has since transferred the loan to XXXX XXXX. They have not only mishandled my payments, they have damaged my credibility as a borrower until this issue can be resolved. I have trusted OCWEN to handle my mortgage appropriately, only to be told that I 've been not paying a loan ( which has been actively paid ), been hassled about imminent foreclosure, and given the run around on any information I try to seek from them. OCWEN will be responsible for bringing my mortgage account to a current paid status, with no faults on my part.
Product: Credit card or prepaid card

XXXX XXXX It was 3rd time talking ( 1 ; 30min/over the phone ) with them " apple credit card suport '', second time they said payment went throug so i closed account. 
after few days i received email that it didnt i call them again.she said payment didnt go through, i paid again.today i was checking my credit report, and i saw that the amount {$310.00} was still there.so i texted they said you didnt pay, after i prove to them with facts that i did and i got this response after more than 1h texting my credit report is fair, so please do something i have to renew the lease
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act convergent outsourcing account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 instructions
Product: Credit card or prepaid card

There is a billing error on my discover statements that were sent to me. I have notified Discover of the billing error thats on the account. A consumer credit transaction took place when this account was opened. I used my credit card Pursuant to Truth In Lending Act 15 USC 1602 ( l ) the definition of a credit card is a card, plate coupon book, or other credit device to obtain money, property, labor or services on credit. The credit card has an open end credit plan because there are repeated transactions that takes place when I use the credit card. There was an uninformed use of credit with this transaction and this is unfair billing practices. Discover failed to give an adequate notice Pursuant to 15 USC 1602 ( k ) ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

I made an uninformed decision because the pertinent facts of this credit card agreement was not clear and conspicuous to me and to which I could understand its meaning. 

This would result in unauthorized use on my credit account Pursuant to 15 USC 1602 ( p ) ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I did not benefit from this transaction. 

Please see the attached letter as well for more explanation of the billing error on the account
Product: Credit reporting 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 USC 1681. 
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 XXXXXXXX, has violated my rights. 


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.
Product: Student loan

Mohela is my servicer. Prior to the resumption of loan payments in XX/XX/XXXX, I was supposedly enrolled in the SAVE plan, but they did not change the payment amount of my REPAYE payment. They removed the forbearance, listed me as on the SAVE plan, but again had an amount due of the incorrect amount. On XX/XX/XXXX, I received a letter backdated to XX/XX/XXXX that my account would be auto debited in the original REPAYE amount on XX/XX/23, despite it saying Im on the SAVE program. Thereafter, on XX/XX/23, I received a notice backdated to XX/XX/23 that I was now enrolled in SAVE, but the first payment was not due until XX/XX/23. In the meantime, the payment of XX/XX/23 was still showing as due in the incorrect amount. Between XX/XX/23 and XX/XX/23, countless people were placed again on administrative forbearance due to this issue, but I was not. I called on XX/XX/23, after they were closed for 3 days, and was told that the payment was due, even though it was in the incorrect amount, and that my SAVE plan would be effective XX/XX/23. This is obviously their way to make an end run around the 21-day requirement, by billing me an incorrect amount. These are not trivial amounts of money. We are talking about payment equivalent to a mortgage payment. MOHELA is wholly incompetent and should absolutely not be given the responsibilities to affect peoples lives like this.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Mortgage

I am filing grievance against New Rez, https : //www.newrez.com/ I have been a victim of discrimination by my mortgage company, New Rez while applying for refinancing my home. I was denied the lower interest refinancing option even though I already have a mortgage with them at a higher interest rate. They delayed the process of closing after locking in the rate and offering a conditional approval 3 months ago. After completing the appraisal of the home and home owners insurance clearance, survey of my home by underwriting, New Rez denied me the loan. They were advice of my earning potential and temporary loss of income due to temporary XXXX. 
My loan was handled by multiple loan officers and underwriter and mistakes were made by New Rez in the application process. I was later wrongfully denied the loan and discriminated against and victimized by New Rez. Now I am caught between a rock and a hard place as I still have the mortgage with New Rez at a higher interest rate and was denied refinancing with them at a lower interest rate. I am seeking justice and requesting them to close the loan by XX/XX/2021 before the locking rate of 2.25 expires. They have denied my the loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I recieved a notification via all of my credit monitoring services ( i.e., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ) that my credit had decreased significantly. After reviewing the reason and doing research, I found out that my XXXXXXXX XXXX XXXX ( via XXXX XXXX XXXX XXXX XXXX ) was one month past due for the ~ {$45.00} " no interest monthly payment '' due on my XXXX purchase of a new XXXX XXXX. I then contacted XXXX XXXX and explained that I never received a hard copy of my initial bill to set up payment. They researched what I said and concluded that they did not ever send a hard copy bill and reversed all late fees and explained what I needed to do to set up my online account to make monthly payments and bring the account current. Once I did that I called back to verify they could see that it was completed and they ( XXXX XXXX ) confirmed it and advised that if I wanted my credit report to reflect this change and remove the deragatory past due remarks that I need to submit online credit disputes with all three credit reporting agencies ( i.e., Transunion, XXXX, and XXXX ) and send a letter to their credit disputes department. So I did that by XXXX XXXX to the agencies and on XXXX XXXX to XXXX XXXX credit disputes, respectively. Then on XXXX XXXX, I recieved a credit reporting notification that the deragatory 30 days past due marks for XXXX XXXX XXXX XXXXXX/XX/year> had been removed and my credit score reflected a XXXX point increase. Then on XXXX XXXX, I received a notification that XXXX had reviewed my request and determined that the past due remarks were correct. While they were correct, they did not address the fact that they made an error in not sending me my hard copy bill and that I upon being notified I rectified by paying the bill to current and setting up automatic payment for the remaining interest free balance. I would like the two months of past due payments removed completely from all of my credit reports. Reason, with my credit history of never having a late payment in 35 years and my actions upon notification of having past due payments along with no actual hard copy bill to trigger payment setup, I feel this request is warranted and should be supported. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies found in my recent consumer report concerning late payment entries on accounts that have been consistently paid on time. The specific accounts are : XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX  : Account # XXXX, According to the Fair Credit Reporting Act, it is essential that all information reported is accurate and truthful. I have never missed a payment on these accounts, and I did not authorize any reporting of late payments. I am requesting a detailed investigation into these errors. 

Please provide documentation to substantiate the reported late payments and any records showing my authorization for such reports. If this documentation can not be provided, I expect the records to be corrected to reflect my accurate payment history of " on time. ''