23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently under daily unbearable stress with this situation with Shellpoint Mortgage. This situation seemed to have derived from the Loan Modification done with my home in XXXX, which did not cause an issue until my mortgage was obtained by Shellpoint Mortgage. 

Since the modification in XXXX there was a period of me not being able to pay when I did come off XXXX as a XXXX in XXXX shortly after the start of the Pandemic, due to the Pandemic. 

However, in XX/XX/XXXX I was able to do a forbearance with the mortgage and the previous mortgage company and things were getting back on track. The forbearance ended on my mortgage in XX/XX/XXXX, and I began making my regular payments. I made the regular monthly payments from XX/XX/XXXX to XX/XX/XXXX. My loan was transferred to Shellpoint in XX/XX/XXXX. I tried to make my monthly payment for XX/XX/XXXX online and the site would NOT allow me to. I also noticed at that time the Modification seem to not be honored any longer because the past due amount and outstanding balance, both were totally different from the previous month with my last lender. 

I placed a call to Shellpoint inquiring why I could not make a payment online, why there was a difference in the loan balance, and why was the past due amount incorrect. The young lady on the call assisting me seemed confused on what was going on with the loan. But she did clearly state I could not make the one monthly payment I was trying to make. I was told the online system would not allow me to make any payments until the past due amount was paid. I replied with, the past due amount is incorrect, and I did not have that amount of money it was claiming was past due. 

I have been unable to get Shellpoint to correct this and honor the Modification I was under prior to transferring to them. I reached my point of total frustration with this when I received a credit alert showing Shellpoint reporting my loan past due for the incorrect amount, when I tried to make payments and was not allowed to. 

I really really need assistance in correcting this issue before it prevents me from continuing in the XXXX. Any delinquencies or past dues will cause my clearance to be revoked and in my job, I have to have a valid XXXX XXXX. No clearance, no job... XXXXthis affects my livelihood. 

Your attention to my matter is greatly appreciated!!! 

Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Less than 30 days ago, I received my first communication from XXXX XXXX XXXX regarding an alleged debt to XXXX XXXX, dating back to 2018. Despite the FCRA requirement of a 30-day period to dispute this debt, Experian allowed XXXX XXXX XXXX to report this debt on my credit file without providing me with the allotted time to dispute the claim.

The letter I received from XXXX XXXX XXXX stated that they were responding to a dispute I allegedly initiated, despite this being the first notification I received regarding this debt. There was no prior dispute initiated on my behalf because I was unaware of this debts existence until the recent letter.

The letter included account access information, which had just recently been created, allowing me to view the alleged debt online. This misleading correspondence from XXXX XXXX XXXX appears to misrepresent an initial notification of debt as a dispute response, a tactic that undermines my consumer rights and skews the dispute process.

FCRA Section 611 requires Experian, as a credit reporting agency, to ensure that all reported items are accurate and to honor the consumers right to a fair dispute process. By reporting this debt without the
30-day dispute window, Experian has failed to fulfill this legal duty.

FCRA Section 623 obliges credit reporting agencies to ensure furnishers of information ( such as XXXX XXXX XXXX ) only report verified and accurate data. Given the misrepresentation of an initial notification as a dispute response, Experian has allowed potentially misleading information to enter my credit report without confirmation, damaging my financial standing.

Experians disregard for due process has led to a decrease in my credit score, impacting my financial stability and creditworthiness. This improper reporting has resulted in tangible harm, preventing fair access to credit and damaging my financial reputation.

FCRA Section 611 : Requires credit reporting agencies to verify accuracy and uphold the consumers right to dispute within a 30-day window.

FCRA Section 623 : Mandates that information furnishers and credit reporting agencies only report verified and substantiated items.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over XXXX days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within XXXX days gives reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Debt collection

Gurstel Chargo is garnishing my {$11.00} an hour wages for a time barred business debt ( taken out with a tax is # ) in which I have payment records and income tax returns to prove it was a business debt. When I took out the credit card I asked XXXX XXXX why they did not need my social security number and they said they use the tax ID # instead for business accounts. I called the original creditor XXXX XXXX last night, and they said the debt is not showing up in their records and to fax them a copy of a statement so they can research my account. I received a notice of garnishment on XX/XX/2019 and I sent the response to the court on XX/XX/2019. My employer did not notify me that I was being garnished. I have {$540.00} left to pay bills and eat and gas the car for 2 weeks.
Product: Credit reporting or other personal consumer reports

1. Failure to Verify Disputed Information Violation of FCRA 611 I have disputed the accuracy of this account with both XXXX and XXXX on two separate occasions. Under the Fair Credit Reporting Act ( FCRA ) 611, credit reporting agencies are required to investigate disputed information within 30 days and provide a response indicating the results of the investigation. Despite this requirement, there has been no indication that either credit bureau has verified the information or updated my credit report to reflect my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is outdated and appears on my credit report as paid with a XXXX   balance. I recently received paperwork that i owe a mysterious amount of XXXX. I have a court date of XX/XX/XXXX to appear in court. I dont owe this amount and my credit report reflects it. I have requested a validation letter from XXXX and they have failed to respond to me for the amount stated in the court letter. Please remove this account. It is problematic and it is reporting an amount that i do not owe.
Product: Mortgage

The company of Cross Country Mortgage has tried to side step all complaints I have made by stating " it is not their responsibility to find me financial assistance. '' They also proport that he has no duty to obtain me additional 3rd party funding. I agree. It is not their obligation. 

The crux of my agreement is not that he was supposed to find me assistance. My argument is that my medical deductions should have been considered for " adjusted income. '' He has every responsibility to determine my appropriate income for the loan. That is what origination fees are for. 

When I applied for a USDA Guaranteed Loan with XXXX XXXX, he took no effort to calculate adjusted income according to USDA loan procedure and policy. 

This not only was completely dismissed, it classifies as disability discrimination because it was deductible medical expenses that XXXX XXXX refused to consider and calculate. 

I was denied that USDA loan for reasons undisclosed to me. 

The crux of my agreement is not that it is Cross County Mortgages responsibility to find me assistance. It is their obligation as the originator to determine income. Adjusted income is included in the income verification process. They refused to do so. 

I can only assume he has intention to do so because of the following : 1. Dismissing my adjusted income would qualify me for a higher loan. 
2. If i get a high loan he gets a higher kickback. 
3. The mortgage industry is at its worst in decades. 
4. The more effort he has to put into " origination '' the lower his rate of pay is. 

He has every incentive to deny my medical expenses.
Product: Checking or savings account

Have yet to receive my direct deposit into my account. I have the paystub so I know my company sent it, but Capitol One is stating that they are having issues with direct deposits because of a third party technical issue. They have not informed me of a timeframe of when it will be fixed and deposited. They claim its been down since Wednesday. But on the other hand auto-pay bills are able to withdraw from the account with no issue. This is beyond unacceptable.
Product: Payday loan

i do n't know if this is the right area.? a place called XXXX collection agency keeps calling. this last message said i am a direct decendent and civil action is going to happen to me cause of breech of contract on a payday loan i took out years ago. I saw online that place is a scam XXXX they called my mother and my cell phone. how can i stop them from calling me?
Product: Mortgage

Fay Servicing LLC on XX/XX/XXXX paid my escrowed Insurance {$7900.00} to a wrong Insurance company. Check was returned to them. In the meantime I did not know this until I called ( on XX/XX/2020 ) to have my insurance cancelled due to selling my property. Was told my insurance expired due to non-payment. Since then Fay Servicing LLC has mailed another check to the correct Insurance company ( although sold the property ) and it was sent back due to the insurance policy had expired AND property Sold. They then re-issued check payable to me ( XXXX XXXX ) and sent overnight to THE INSURANCE CO! Have been following this up since end of XXXX Keep getting the run around. NOW as of XX/XX/2020, I was told the check went out on Friday XX/XX/2020 OVERNIGHT to me BUT they said Overnight can take a WEEK!!!!! I have been chasing my {$7900.00} for 6 weeks!!!! And not once was it put back into my account! I want my money!!! 
Property SOLD on XX/XX/2020. 
Fay Servicing LLC XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX Loan # XXXX XXXX XXXX ( Sold property XX/XX/2020 )
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 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 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 XXXX15 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has furnished my personal information on their platform without written consent from me, that is a violation of my Consumer Rights, code 15 U.S Code 1692b. ( 2 ) This negative information has resulted in a negative impact on my financials and credit worthiness. I have attached Exhibits that prove i was denied because of the negative information Equifax has furnished on my Consumer Report without Written permission from Me the federally Protected Consumer.
Product: Credit reporting or other personal consumer reports

This morning, I was completely blindsided by inaccurate accounts showing up on my credit report, and I cant figure out how it happened. I regularly check my report, but this time, errors appeared from nowhere. I thought maybe it was a browser issue and refreshed the page, but it wasnt. The incorrect accounts stayed there. Im requesting that the documents Ive submitted be reviewed thoroughly so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX - Credit Card 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: Vehicle loan or lease

I wrote three cease and desist letters to Ally Financial after, I was harrased by deceptive practices and intimidation after asking for validation of the debt. Now I was under a consumer credit transaction of financing an auto loan. I asked for an on and off ledger at the time of the said debt was established. Never got a response they sold my information without my consent to a third party to come to my house and breach of peace and take my vehicle I protested that their is a cease and desist in effect and the gentleman continued and took my vehicle XX/XX/XXXX at approximately XXXX. This contract is fraud because in the XXXX XXXX you can not have a credit transaction and cash transaction its either or so the the finance charge was {$14000.00}, amount financed was {$28000.00} The total of payments is {$43000.00},. The total sales price was XXXX including a cash down payment of {$2000.00}. Ally has possession of my vehicle which they obtained using deceptive practices and threaten XXXX by sending police to my house.
Product: Checking or savings account

There was a duplicate transaction that came out of my Bank of America checking account 5 times. It left me with less than XXXX . I called customer service and they stated they couldnt reverse pending transactions. I screenshot the transaction to my phone. The next day the pending charges no longer showed on my account, and the funds were never replaced. The transaction history never reflected the pending transaction, didnt show it as posted, and never sent back the charged funds. I contacted the merchant and the verified their error and the returns. When I called Bank of America customer service, their screens showed all I was inquiring, yet the agent who was even confused, told me the funds were returned. My XXXX XXXX is sent that account. Trust I track every XXXX. When I told the agent I had screenshots of transactions no longer showing on my account, he got confused and couldnt even answer my questions from a banking perspective. I told him to please close my account. He asked me to assure that it was not because of him I was closing my account, but my missing money. I always found that recorded conversation very odd. As a banker, certain questions you should know. He was very polite, though extremely confused. I closed my account due to the negligence of maintaining my funds and the agents uncertainty on where my funds were.
Product: Student loan

I have been in contact with Navient and Sallie Mae concerning my student loans however just fail to inform me on the repayment options. Basically they kept demanding what amount I should be paying a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint XXXX was filed. Commenity Bank corrected the issue. 
However, the reporting to the credit bureau was not corrected. They brought my credit score down by 50 points. I called the company twice to correct and as of today, nothing was done.
Product: Checking or savings account

i went to suntrust to close my account the day after XXXX. they wrote me a bad check for $XXXX which my new bank says has a bad routing number so the feds returned it and i had to pay my bank a $XXXX fee.
Product: Checking or savings account

I bank with Navy Federal Credit Union. I had my EIDL SBA loan deposited there. They froze my account yesterday with no explanation and no request for information. They will not explain anything to me, they won't listen to me and I have no access to my Checking account, investment accounts, credit card or even my car loan account. I've been an account holder since XX/XX/2011. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. Recently I saw late payments appear on my consumer credit report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report.
Product: Credit reporting or other personal consumer reports

I am frustrated by the ongoing inaccuracies on my credit report despite sending multiple dispute letters. I am disputing the inaccurate reporting of XXXX crucial dates : Last Activity, Date Opened, and Date Reported. These discrepancies violate credit reporting guidelines, which mandate consistency and accuracy across all credit bureaus. The misleading information must be corrected immediately. I request the removal of these inaccuracies from my credit report. 

Under the Fair Credit Reporting Act, it is essential that all information on my credit report be completely accurate. These discrepancies are violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Attached are copies of all previous dispute letters for your reference.
Product: Debt collection

A cease and desist, as well as a request for a proof of contract was sent to Harris & Harris , Ltd. on XX/XX/2020. However, Harris & Harris , Ltd. refuses to respond. Instead harassing and contacting me every day threatening jail and law suit, a couple of times a day since the date listed on the notification letter, XX/XX/2020.
Product: Debt collection

In XX/XX/2021 American Express opened and increased my card limit without any authorization or without notifying me. After the card was open there was several charges made totaling over {$30000.00}. There was several charges made several times a day, to foreign companies that will not reply to my emails. The companies do not have contact numbers listed. I was not aware of the charges until I received my statement. I immediately notified American Express of the fraudulent charges, and an investigation begin. After XXXX days, I requested another investigation and disputed the charges again. The charges were removed, however, XXXX months later the charges are reappearing on my statement again as a fraud reversal. I have tried to contact American Express, however I keep getting transferred to different representatives and different departments. I have fraud protection on my account, however, American Express failed at making me aware of the suspicious charges that was allowed right after opening my card limit without my authorization. I would like have a proper investigation, receive documentation of the investigation, and an explanation of how such activity was allowed. Also, I would like an explanation of why the charges are back on my account after a settled dispute. I have attached documentation and statements of this ongoing matter.
Product: Credit card

Timely payments are my standard practice. I'm certain of this. However, I'm perplexed by the sporadic late reporting from this company. As per USC 1666b, any inaccuracies in billing should promptly be addressed and reflected accurately on my payment record.
Product: Checking or savings account

i deposited. {$100000.00} plus and can not reach them .after 10 hours I still can not reach because they do not answer