23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a XXXX credit card. The account was opened XX/XX/XXXX and closed on XX/XX/XXXX. My credit report shows 100 % of payments were made on time. Within the last few months, I started getting late fee charges. I wrote a letter to Comenity/XXXX asking for an explanation and accounting of the charges. I didn't get a reply although I did get a single statement sent to me without any information or breakdown of the charges. I have not received any additional statements but according to my credit report, the balance on that card continues to increase due to late payment fees. I haven't had the card in nearly 9 years so I can't give the credit card number in order to speak to someone on the phone and my correspondence went unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute over information on my report which has taken over 30 days to investigate.
Product: Mortgage

I contacted XXXX XXXX XXXX XXXX and requested relief by way of a mortgage modification, submitted all required documentation, and was granted relief options which included a 3-month trial period beginning XX/XX/year>. 

Even though XXXX retuned my XXXX payment sent directly from my bank account, thankfully I recognized the rejection before the deadline to send the first payment by the deadline. XXXX provided information to send the funds by XXXX XXXX but in their letter omitted the required biller information for them. Nevertheless, I was able to find it and made my payment on XX/XX/year>. 

Because of this experience, On XX/XX/XXXX, I called XXXXXXXX XXXX  and arranged to have the remaining two payments automatically deducted to avoid any possible delay. I spoke with one of their Relationship Specialist at XXXX XXXX to have XXXX payment deducted on XX/XX/XXXX and XXXX payment deducted on XX/XX/XXXX. I was given confirmation numbers. 

Also, on XX/XX/XXXX at approximately XXXXXXXX XXXXXXXX XXXX XXXXXXXX received a phone call from one of your phone agents letting me know that I did not make my required payments and that I needed to send proof that I made the payment. Proof that Shellpoint should already have! 

I sent a letter with attachments by both mail and email asking them to help me to understand why my full mortgage records were not successfully and efficiently transferred from XXXXXXXX XXXX to Shellpoint Mortgage. ShellPoint Mortgage Servicing sent me a letter telling me that all the my mortgage terms did not change as a result of this migration. Instead, they started sending me document to reapply for a modification although my modification was already approved. I asked what else is needed and to date I have not received a response.
Product: Debt collection

This is not my dept I have disputed this several times XXXX  is the only agency with this dept on my report and I want it deleted
Product: Mortgage

prior complaint XXXX ( see reply ) trying to get modification from bank of America, as discussed MANY times before i pay my own taxes and insurance and do not need or want bank of America to collect this for me. ( they have shown to be neglient in the past ) ( see complaint XXXX XXXXBank of  America ) Will pay ONLY principal and interest for this home equity loan. XXXX XXXX agreed with me that after all i have been through if i re applied for the home modification they would not attached escrow payments.This is the same problem that occured during the prior 2 years. I need this modification to go through with just interest and principal in order to be able to afford this. I have placed 3 calls to bank of America and left messages and have no reply. I need this fixed immediatley. this bank has been jerking me around for over 2 years in which time i have accured over {$9500.00} in interest on this loan. This should not be. I made it a point to all concerned that i will not accept any modification with attached escrow payments. Bank of America and XXXX XXXX have been dishonest by saying one owned it and the other one serviced it, yet blamed each other when they failed to pay my taxes, or when the paid my flood insurance twice ( 1st mortgage ) and drained my escrow account and when the took out a " trial payment '' 7 times out of my account. ( modification ) Enough is enough! mortgage number is on prior complaint i do not have it at this time ( at work )
Product: Debt collection

Company has not sent proper verification documents. They claim they have sent me billing statements. I have requested for the chain of custody. Copy of their license. And I have submitted a written dispute also asking for the purchase agreement. Also I need copy of the agreement that bears my signature of the alleged debtor.I need proof that I own this debt. Statements are not the proper documentation.
Product: Debt collection

Received phone call on XX/XX/XXXX and XX/XX/XXXX and caller left the following voicemail. " My name is XXXX XXXX I'm the compliance officer appointed to contact you in regards to court sealed documents I'm routined to deliver unless the following party are contacted. Seeing as I am unable to reach you by phone I have been instructed to contact your employer as this may not be a possible place of your location due to the negligence on your end in regards to your claim I must make you legally aware that you do have the right to contact the filing party but once your claim is discarded from their office all of your voluntary rights will be forfeited and this will become a matter of public record. To avoid legal process contact XXXX case ID # XXXX. This is legal notification by telephone and it will be documented. '' On XX/XX/XXXXXXXX XXXX XXXX XXXX I called the number left on the XXXX and got a recording stating the company was XXXX XXXX XXXX and they were closed. I called the number XXXX and got someone who sounded just like the person who left the XXXX but she stated her name was XXXX XXXX. She would not provide any information on why she was calling and only stated her place of employment was XXXX XXXX XXXX. She wanted me to confirm personal info about me including my dob and last 4 of social security. I told her I didn't feel comfortable confirming this info over the phone and asked for written verification be sent to the address they had on file. She declined and said they do not send any documentation via mail. She stated she would send to my email address once I confirmed my personal info. I hesitantly confirmed my DOB and last 4 of social. She then proceeded to list a company that had 2 allegations against me but would not email me the requested documentation. She kept saying that if my email address is the one they have on file then I should have all documentation from the accusing party previously sent to email address on file. The date of accusation was from XXXX and she would not send any current supporting documentation from the accusing party. She said she had a file on me but that I should already have all of this documentation. She stated that I should setup payments to pay back any debts that I had with the accused party. I said I wouldn't make any arrangements until I could confirm any documentation. She was continually frustrated when I would ask for confirmation of documentation. I was. I was not going to engage any further via phone and wanted a written letter from the company stating the complaint and allegations. She would not provide this.
Product: Mortgage

Hello, I 'm in desperate need of mortgage intervention. I 'm a senior home owner with fixed income. I 'm having a big problem with my lender. I 've have my home for 26 years. Back in 2009 my sub- division suffered a devastating flood that affects the value of all property in the sub-division. For the past three years, I have family illness that causes me not to be able to make my {$1200.00} mortgage payment. So, I reached out to my lender Seneca Mortgage Servicing, LLC, out of New York. I reached to them to let them know that they need to lower my principle or to re-finance my mortgage because of the devastating loss of the value. I paid another company to help me to intervene. What I did n't realize is that Seneca Mortgage servicing only reduced my payment, but redo it for another 40 years. I did n't know this until I came back home from helping my ill family. I consider this practice as PREDATORY LENDING. I need help in getting this issue resolved. I should not be starting over for another 40 years when I 've had the house for 26 years already. WHO DOES THAT. They split the mortgage into XXXX, XXXX is for {$120000.00}, and the other is for {$55000.00}. The house does n't worth this {$170000.00}, and I should n't not be starting over. I thought that after two years of not missing any payment, they will forgo the {$55000.00}, part of the split. That was my understanding. Seneca Mortgage Servicing, XXXX XXXX XXXX, XXXX, XXXX, XXXX. Home address : XXXX XXXX XXXX, XXXX, XXXX, XXXX. I need set up a new financing plan that does n't include the {$22000.00}. Please help me!!!
Product: Mortgage

spoke with select portfolio services rep XXXX on XX/XX/XXXX who put me on a payment plan and told me I would not be reported late to my credit. if I had known I would be reported late I would have made a payment immediately. I asked select portfolio to investigate spoke with supervisor XXXX and they have refused to remove the late payment from my credit. I am left with no choice but to seek address from cfpb.
Product: Prepaid card

I received a pre-paid VISA from XXXX which was issued by CITI Group in the amount of {$150.00} in XXXX. It had an expiration date of XX/XX/XXXX. A copy of the card is attached. I misplaced the card and I did not use the card by that date. I found the card in XX/XX/XXXX. I asked XXXX to issue me another one - they told me I had to talk to CITI. I called CITI XX/XX/XXXX and they told me that the card was no longer valid and that they could not issue me another one, nor could they give me any money - they said that the card showed a zero balance due to it having not been used by the prescribed use-by date of XX/XX/XXXX. 

Now fast forward - I read somewhere that what CITI told me was not correct. I called CITI again on XX/XX/XXXX and this time they told me that the card did in fact have a balance of {$120.00} - I asked them why it only had a balance of {$120.00} and they told me that it was being surcharged {$3.00} per month for being dormant. I asked them to give me the {$120.00} - in some form or fashion - either a check, reactivate the card or issue a new card. CITI told me that they could not return the money to me - that is a pretty good trick - The money is there and they get to keep it until they surcharge it down to nothing even though I have asked for the money or another card. This seems like a dirty rotten way to do business - and I hope that you can do something about this. Again, when I talked to CITI in XX/XX/XXXX they told me one thing and then in XX/XX/XXXX they told me something else. Also, when I called on XX/XX/XXXX the person that I spoke with ( XXXX - no last name ... - in the XXXX ) would not allow me to speak with anyone else even though I asked for a supervisor. I told her that I was going to file a complaint - at that point she put me on hold for probably 7 or 8 minutes and when she came back she wanted my cell phone number and she told me that someone would call me to speak with me. I gave her my cell phone number but I have not had any call from CITI regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested a free copy of my credit report through XX/XX/XXXX from all three credit reporting agencies : XX/XX/XXXX, and Equifax. 

Equifax has repeatedly not provided me with a copy of my credit report, even though I have requested online, by mail, and phone through XX/XX/XXXXmost recently on XX/XX/2020. 

As you can see in the attached document from XX/XX/2020, Equifax states that they received my request for my free annaul credit report through XX/XX/XXXXhowever since their records indicate a free copy was sent within the past 12 months, they are demandeding payment to provide another copy of my credit report. 

It is my understanding that this is violation per the FTC : https : //www.consumer.ftc.gov/blog/2020/05/credit-reports-are-now-free-every-week Note they spelt my name wrong in the attached letter. It is XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

XX/XX/2019. signed rental aggrement.XXXX and XXXX to hold apartment the complex did not have unit ready and would not provide me certificate of occupancy prior to move in. This is against Florida law. I have contacted capital one for months, submitted all documents they requested numerous times. Capital one fails to re credit my XXXX and XXXX. I was told they would definitely assist me. my card account ends in XXXX. I have called repeatedly, emailed, uploaded, and mailed all requested documents. the cancellation letter, lease with back out clauses, Florida law. email from complex stating they would not provide certificate of occupancy. Capital One personal credit card has been a horror show.
Product: Credit reporting or other personal consumer reports

requested my credit report through XXXX XXXX XXXX XXXX to no avail. i was told to call or request by mail. I chose to call i gave my information and was told i should expect the credit report within 15 days. my credit report never came and now when i try to request my online report I'm told sorry unable to proceed with request.
Product: Mortgage

On XX/XX/XXXX loan modification was approved which had wrong property tax of {$340.00}. 
I have filed enough complaints about property tax either wrong calculated, wrong amount was taken out was and so on. This issue has never been resolved. I had filed a complaint with XXXX XXXX that only partial escrow was corrected. It stated in the response on XX/XX/XXXX it WAS INADVERTENTLY ADDED HOME OWNERS INSURANCE. 
From XXXX until XXXX SLS refused to correct the mess and ITS ONLY TO COVER RESPONSE SLS BACK SIDE ONLY INADVERTENTLY HOMEOWNERS INSURANCE WAS ADDED. 
ITS JUST BALONEY TO STATE INADVERTENTLY CLOE TO TWO YEARS LATER CFPB AND FEDERAL GOVERNMENT HAS BEEN MADE FOOL BECAUSE SLS KNOWS CFPB IS TOOTHLESS TIGER WILL ACCEPT ANY RESPONSE EVEN IF IT IS WRONG. 
After loan modification documents exhibit A {$340.00} property again has been added. Exhibit B after multiple complaint property tax corrected to {$260.00} request was made to correct. 
On XX/XX/XXXX a written request was made to correct by XX/XX/XXXX so loan modification can be signed and returned. Respondent failed and refused to correct property tax amount. 
Despite not returning corrected loan modification responded has been charging late fee for NONE OTHER CFPB BEING TOOTHLESS TIGER. We have been charged late fee while we are in forbearance plan. Charging a late fee without responding to my inquiry to correct loan modification is a violation of FDCPA. Likewise, is violation of FDCPA to charge late fee while I filed written dispute filed on XX/XX/XXXX and no response has been received as of XX/XX/XXXX. 
Its over 45 days I have not received response I have not received corrected loan modification. XX/XX/XXXX I requested to provide corrected loan modification its XX/XX/XXXX I have not received corrected loan modification.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX  Balance : {$820.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$900.00}.
Product: Debt collection

I have new and updated information about Allegiant, XX/XX/2022 I received a correspondence from compliance department stating my information would be sent back to there client after my complaint but when I called them on or around XX/XX/2022 to see what client they reported the alleged debt back to I was told the account was still in Allegiant hands under management review and there was still a open balance of XXXX that I can pay or make arrangements on making Allegiant responsible for continuing to try to coerce me into an payment after the dispute supposed to been resolved, closed out and sent back to there client. The manager stated the debt was sent back to XXXX XXXX back in XXXX and XXXX XXXX stated that was not true the debt was just sent to them that day we spoke which means they held the debt with extortionate means infringing upon my rights privacy. I attached a invoice for the violations of my Federally Protected Rights under the FDCPA 15 U.S.C. 1692k. Due to the deceptive and abusive practice this company conducts the complaint was sent through the CFPB.
Product: Debt collection

I have tried to contact the company via mail on 3 occasions and no response. They call and threaten me with lawsuit but when I ask for proof of debt they hang up.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, XXXX XXXX XXXX XXXX Last 4 SSN : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX Date : XXXX Date of Birth : XXXX Last 4 Social : XXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate, I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account name : XXXXXXXX XXXX  Account number : XXXX Dates reporting NOT Accurate : XXXX to XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX last year that I pay {$99.00} a month to remove all negative items referencing my previous CHXXXX Bankruptcy which is Officially Discharged and paid in Full on XX/XX/2017. They are having No success with the three reporting bureaus. XXXX, Transunion and XXXX is reporting negative items incorrectly and should be removed or updated. They have duplicate items. Since the 3 reporting bureaus report information about consumers to a CRA, they are subject to the FCRAs Furnisher Rule, which requires that : 1 ) information that is furnished must be accurate and complete ; and 2 ) consumer disputes about the information you provide must be investigated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 4 inquiries showing on my credit reports
Product: Checking or savings account

I am a XXXX XXXX investment  client who is partnered with Bank of New York Mellon who provided our debit card and checking account privileges. 

Over the course of the last three weeks, I've worked within the guidelines afforded to me through the client relations team for processing the disputes/fraud claims as well with my financial advisor for these unauthorized charges to a comprised and closed debit card. I have patiently afforded XXXX XXXX and BNY Mellon it's partner to properly address this serious matter and they've done nothing but overdraw my account and restrict my monies for both my XXXX XXXX accounts as well trying to hold me responsible for debit card charges that they are still putting through as a of a few days ago on a closed card from over a month ago. This is not legal, neither does Visa and Master Card operate under these procedures or policy guidelines. 
I need someone to HELP address this immediately, they have fraudulently taken over {$3400.00} dollar from a good client that they had absolutely no complaints with. 
This entire situation is not only troubling, but disturbing in the way it's been handled, creating a relationship that is now irretrievably broken down. I simply want all my monies returned immediately, and have nothing to do with a company who handles business like this. 
" PRIME EXAMPLE '' WHO WOULD PUT A CHARGE THROUGH FOR OVER {$2000.00} no authorization and say that's legal as well continue to do it? 
Please call me immediately at XXXX, this was not handle professionally, neither was I ever followed up with. 

Unauthorized XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX reversed XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

My loan was transferred from XXXX to NewRez and the process has been TERRIBLE. They told me my autopay would transfer over and it did not, costing me late fees. Now I can not set up auto pay because my loan shows past due. I called newrez to set up the auto pay and they hung up on me. It took ELEVEN calls to them to get someone to talk to. Most of the time I call the phone number from their website and the line is SILENT. Now I have to jump through HOOPS just to get my loan back to what it was and when I call no one cares. Not allowing me to set up autopay is not fair. Saying my payment will transfer over and then charging me late fees is not fair.
Product: Debt collection

On XXXX XXXX, 2017 I placed an order from XXXX 1  pack of XXXX calculator batteries Order # XXXX. On XXXX XXXX, 2017 we received a collection notice saying that a returned check fee of {$25.00} along with the {$3.00} original order is required ; otherwise consequences from first paragraph of attachment " scan1 '' will take place. I feel that I will have to comply to their wishes ; otherwise my credit can potentially be ruined!!
Product: Mortgage

In XX/XX/2017, I purchased a house with my ex fianc who is XXXX/XXXX XXXX. A quitclaim deed was included in the closing documents package. I signed all the closing documents as lender and ex fianc directed to me. After the closing I found out I lost the house at the time I purchased the house. Now Im responsible for the mortgage of the house I never owned. Currently the ex fianc and his wife are living in the house. They are not making the mortgage payment. Lender filed law suit against me for the mortgage {$250000.00}. 
I reached out to the lender asking for the explanation why the quitclaim deed was part of mortgage documents. They said they were not aware of it and Im still responsible for the mortgage.