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

After a complaint to XXXX Mortgage about reporting my mortgage payments as late the mortgage company is now reporting that my mortgage loan account was modified. This reported information was and is not true. 

I applied for the mortgage assistance program in XXXX and was denied XXXX/XXXX/XXXX but In XXXX I again tried to apply for a loan modification that was denied on XXXX/XXXX/XXXX. 

There was nothing regarding any type of modification on my XXXX credit report or the XXXX report. The information is just now being reported by midland mortgage on my credit report after they had to do corrections regarding my payment dates In addition the {$70.00} from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX that I have been paying over the regular mortgage that midland had been charging back to me as a late fees has not been credited back to my account as additional principle or refunded back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for 3 months now through fax, phone message and mail to1 get a copy of my credit report, 2 place a freeze on my credit report all through no avail .. I call daily 15 times throughout normal business hours to never get any one on the phone and the same message that they will call you back after a message is left in 24 hours to never hear from anyone or never get anyone on the phone .. same thing through fax and mail no response at all 3 months in XXXX how is this company able to operate? Sage stream is the company
Product: Credit reporting

I have an account on my credit report that does not belong to me and I want it removed. I have contacted the company that is reporting this account via phone and email and they could not even verify the account because they have the wrong date of birth listed for the account. I know that this is not my account and would like it removed and a complete investigation.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' It is illegal to report a consumers transaction history. I did not consent to my utilization or account balances being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2600.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Mortgage

QUALITY LOAN SERVICE CORP ( QLS ) BLATANTLY VIOLATES FEDERAL AND STATE STATUTES AS IT PURSUES ILLEGAL FORECLOSURE OF OUR HOME WITH ITS " SELF-EXECUTING MANUFACTURED DOCUMENTS '' ... PLEASE HELP!!! 

QLS, IN ITS XXXX XXXX, 2015 CORRESPONDENCE, VIA ITS PARENT COMPANY [ XXXX AND XXXX ] MAKES ITS OWN ADMISSION THAT THE NOTICE OF DEFAULT IT RECORDED AGAINST OUR HOME IS FRAUDULENT! ... AND GIVES EVIDENCE TO ITS CONTINUING BLATANT VIOLATIONS OF FDCPA STATUTES. 

PLEASE SEE ATTACHED DETAILS. 

THANK YOU FOR YOUR URGENT HELP!
Product: Student loan

My annual income recertification date for Income Based Repayment was upcoming in late XX/XX/XXXX. There was a notice on my FedLoan account website stating as much, and I knew that a missed recertification would mean payments would increase substantially to the " standard '' payment amount. I followed the account notice 's direction and submitted my recertification paperwork on XX/XX/XXXX with the understanding it was required. 

My joint income had increase in XXXX so I was notified on XX/XX/XXXX that my recertified student loan payment amount increased by roughly {$120.00}, with payments beginning in XX/XX/XXXX after CARES Act expires. 

It was later brought to my attention that embedded within FedLoan CARES Act FAQs, that income recertification is NOT required and can wait until the following year, which in my case would be XX/XX/XXXX, and a new payment amount XX/XX/XXXX. 

I contacted FedLoans via phone on XX/XX/XXXX about the issue and requested that my payment amount be reverted back to XXXX levels per CARES Act. That representative sent a note to another unit. I followed up via e-mail on XX/XX/XXXX but did not yet get a response. I followed up today via phone, XX/XX/XXXX, and was told that they rejected my request and my new recertification amount will stand despite the CARES Act not making it necessary, and despite their mixed messaging on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyandai America financing company and I went under a lemon law case for my XXXX hyandai XXXX for technical issues with vehicle, where my car was paid off and I recovered a check. But days after I settled this lemon law case with hyandai, they put a charge back on my credit report. I have all the proof of this and disputed it and nothing changed. This is so unprofessional of them and I wont stop until this is solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 my XXXX XXXX informed me that there was a new hard inquiry from XXXX XXXXXXXX XXXX. I did not approve this nor have I ever applied for a card through XXXX XXXX. I contacted them and they shut the application down and told me to contact the 3 credit bureaus. I contacted XXXX, Equifax, and XXXX. They put fraud alerts on my account. I am unsure of what to do from here as this has impacted my credit score and the credit bureaus do not seem to be resolving this issue. Any help is greatly appreciated.
Product: Credit reporting or other personal consumer reports

A request was submitted multiple times to have this inaccurate reporting removed from my credit report. The furnishers of information responded claiming this account was accurate, however I am not liable for this debt with XXXXXXXX XXXX  for {$1400.00}. I do not have a contract with XXXX XXXX XXXX and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4. 

Furthermore, between the dates of XX/XX/2023 and XX/XX/2023 XXXX or more credit bureaus have REMOVED this account from my credit report due to these violations and inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about identity theft. I do not recognize these enquiries, neither did I authorize them. They are fraudulent enquiries and I would like them removed please. I contacted this company multiple times about the issue since I noticed them on my report XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the XXXX written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # 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: Checking or savings account

I disputed a claim from XXXX for the amount of {$42.00} at chase bank. The company only sent 1 of the 2 items in my order and they sent me the wrong size/not to spec item that did not fit my knife. The item is a ball bearing and I am missing one set which I paid for out of the 2 I ordered. I talked to Chase claims in around XX/XX/2022 and opened a case for the incomplete order and wrong/not to spec part. The part they sent me is slightly larger in diameter. I sent in photos and the invoice for my order to prove the item is incorrect and the invoice to show I ordered 2 items. Chase denied my claim, they did not look at the evidence I sent and refused to reopen my claim. They state the seller showed some kind of proof, but I showed them exactly through the picture of the item, that it was completely the wrong size and showed the purchase amount for a set of 2 of the bearings through the invoice. I tried to work with the seller, all I wanted was a refund or the correct item sent to me but they denied me. I also got blocked by the seller and can not access their website to pull up information on the bearing they sent. They probably know that their part does not fit or they sent me the wrong part and do not want to refund or replace the item. Chase did not provide any evidence of the seller being correct, and would not help me at all with my claim. The seller pretty much stole {$42.00} from me and chase let that go. I am trying to get my money back, and shine light to Chase claims departments incompetence and unprofessionalism. They had no right to deny my claim, they did not even look at my evidence I sent in it seems. I am fully in my right to get my money back as the seller denied me refund just after a couple days of receiving the item. It was in their return policy to be able to return the item in an appropriate time, but they flat out denied me.
Product: Debt collection

I received letters from LVNV Funding LLC regarding alleged credit card debt ( s ) owed that they wanted me to pay. I replied with letters I set to LVNV Funding LLC asking them to please document and verify the alleged debt. The letters I sent included multiple requests to verify the debt such as Furnish a copy of the original contract as well as the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. LVNV Funding LLC never verified this alleged debt. Would you please investigate this? Disputing the debt.
Product: Mortgage

Complaint against mortgage holder Shellpoint Mortgage. 


Mid-year XXXX I was granted a forbearance. In XX/XX/XXXX I lost my job due to COVID and though I tried to make the monthly payments, to which by the way were always done on time before the COVID pandemic, it just became impossible. 

The government then helped with the additional {$600.00} of unemployment at which time I scheduled a payment in XX/XX/XXXX. This payment was for two months in the hopes that the following months I would be able to repay the three months missing. I was then two months behind. 

XX/XX/XXXXXXXX ACH Electronic Debit NEWREZ-SHELLPOIN ACH PMT XXXX Because I had made a two-month payment, someone in your company reached out letting me know that they would put the two months left at the end of the loan granting me with a forbearance. When this option was presented to me I asked, " if things don't get better through this pandemic and I am again not able to pay the mortgage, can I qualify again for another forbearance? '' The answer was a strong 'ABSOLUTELY ''. 

I went ahead and made the XXXX payment XX/XX/XXXX ACH Electronic Debit NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX Then unemployment stopped the additional {$600.00} putting millions of people in financial trouble. 

I requested another forbearance through your website. I started calling as well. I have never been in this type of situation. Many of the times I called I would be sent to voicemail letting me know that they could not answer and to please try again. I did, unsuccessfully. I started leaving my name and number along with the loan number for someone to call me back ... ..NOTHIING. 

At the end of XXXX, I was finally able to talk to a gentleman who informed me if I paid three months at the same time the rest of the months would be put back at the end of the loan. As difficult as it was, I was able to make the three months payment for a total of {$9300.00} This gentleman lied to me because he never did what he said he would. 

I continued making the timely monthly payments after XXXX all the way to the sale of the property. 


My loan was assigned to XXXX XXXX XXXX. She seemed to have understood and cared. First thing she said was " if you were told that after paying three months at once you would go into forbearance with the other months, they SHOULD have kept their promise She also mentioned she could not understand why this was happening since I was making my monthly payments on time. We started working on a payment plan which we finally agreed on in XX/XX/XXXX at which time Shellpoint Mortgage reported me late. 

The new increased payment was effective in XXXX, and they continued reporting me late. This time for XX/XX/XXXX and following months XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 reporting or other personal consumer reports

Closed accounts of student loans still appear on my credit report the accounts are closed and over XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Back in XXXX, my husband and I were behind on our mortgage with Bank of America, I did a quick deed and my home was put in my name, Bank of America did nothing to help us, they transferred our loan to another Mortgage Company who helped me stay in my home, my husband passed away in XXXX. I have been current on my mortgage, I went to refinance my present mortgage and was devastated to find out I owed Bank of America XXXX! I was shocked and depressed over this and I am close to XXXX XXXX XXXX, Why wasn't I informed about this? Nothing was ever sent to me in the mail, why in the world wasn't this amount transferred to my new mortgage company?? I keep getting letters addressed to my late husband 's name, my name is no where on this letter, I am so confused and upset, I will never be relaxed about this hanging over my head, I am ashamed to tell my children, I called several places to no avail, if a Bank transfers your loan to a new servicer why would you not include this? A lot of people are telling me something is wrong somewhere when they transferred my loan to my new mortgage company, please look into this for me, I Truly believe that Bank of America charged me outrageous fees back then, please clear this up for me? My XXXX big question is if they transferred my old loan for XXXX which is what I owed Bank of America why do I owe a partial claim for XXXX? Something has to be wrong with my situation.Thank you for listening.
Product: Debt collection

USCB America held what I believe to be a valid debt related to medical expenses. I paid the debt in full using a payment plan. Originally it was for 4 payments, but I paid it in full a couple months early with a 3rd payment. The payment amounts were for {$1300.00}, {$1300.00}, and {$2600.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2021. 

With each payment, I have attempted to retrieve a receipt for the transaction. With the final payment I attempted to retrieve a payoff letter. I have called more times than I can count, left voicemails twice, spoke with agents and supervisors alike, and on my most recent call I even 3-way joined in XXXX 's XXXX team. I've verified my address several times. They refuse to work over any means that leaves a paper trail, they refuse to email it, and they refuse to mail any of it with tracking information. Refusing to provide this must be illegal, right? I think it is illegal in California to refuse to furnish a receipt of any kind for a transaction when requested. No idea what federal laws exist there. 

I just want my XXXX receipts and payoff letter and maybe a nasty call from XXXX XXXX XXXX will finally do it. Short of that I am going to charge back the payments or file a lawsuit or both.
Product: Mortgage

I was repeatedly assured that I could get a lower rate or lock in a lower rate if the rates went down. I asked this question several times and received the same answer. When rates went down he ( XXXX XXXXXXXX ) with US Bank, acknowledged that they had gone down ( XX/XX/XXXX from XX/XX/XXXX ) and then he said he would shop the loan when he had loan approval that day or the next. I received loan approval on the XXXX and he said he would shop for rates. When I pressed him on the XXXX, he told me that there was not ENOUGH of a difference in rate for him to change it. 

THIS IS NOT WHAT I WAS TOLD. I was told that if the rates lowered, that I could get a lower rate. THERE WERE NO QUALIFIERS. 

Only, when the rates lowered, and I questioned AGAIN about securing a lower rate was I told, he needed to wait for loan approval in order to do that? 

Then after loan approval he says the difference was not substantial enough. When I questioned him about the it on the XXXX, it was a XXXX point difference from the day that he locked it. A XXXX XXXX XXXX XXXX is a very significant difference to me. 

When I went to his supervisor XXXX, she actually stated to me that he did not technically lie. She completely ignored what I had been previously told and presented his latter statements as true statements. So me being told that I can lower my rate if the rates lower ( which they did lower substantially between XX/XX/XXXX and mid XXXX ) means what? How was I supposed to interpret that answer? Please tell me, how was I supposed to interpret that answer? Yes, I can get a lower rate if the rates drop? There were no qualifiers to that repeated answer to my repeated question. 

I specifically went with a large bank vs an online lender thinking it was going to be a more respectable and forthright transaction. I WAS WRONG THERE. What I got was repeated misrepresentation. I went out of my way to ask questions as this was a huge commitment to make, even before opening escrow, before depositing my earnest money with escrow and throughout. At each stage I was offered assurances about the loan estimate changing for the better, about the ability to better the rate if rates improved. I know that I am still not being told the whole story by the bank or its representatives. They have yet to be forthright in their representations. Meanwhile, it has cost me $ $ $ $ $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time filing a complaint about my credit report. I keep having recurring inquiries appear that i have no knowledge of. The inquiries and/or negative accounts are continuing to affect my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate my consumer rights. On XX/XX/2022 I sent a letter because Experian claims to have verified a bankruptcy and I requested a RE-investigation and method of verification with the specific details. XXXX, XXXX XXXX, Chair of the House Select Subcommittee stated that the consumer reporting agencies were not fulfilling their obligation to consumers or the CFPB in accordance with the FCRA as evidenced by insufficient investigations or just accepting the finding of furnishers without an independent investigation. My dispute is definitely an example of this. They report the court as the furnisher of the information. The letter from the court shows they blatantly lied. I provided them with my correct XXXX XXXX and address XXXX XXXX XXXX, XXXX NY XXXX and I have not received anything. I am enclosing the XX/XX/2022 letter I sent them, the letter I received from the court stating they did not furnish any information to Experian or anyone else, my consumer report showing the defamation of character by Experian, and a copy of my driver 's license as proper identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Accounts- XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.