23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, NewRez LLC DBA Shellpoint Mortgage Servicing indicated a payment was made from escrow to pay my School Real Estate Tax at the discounted rate {$3900.00}. This payment was reflected on the monthly mortgage statement that I received. 
In XX/XX/XXXX, while I was in the process of streamlining my VA Home Mortgage, I received a letter from the tax collection agency indicating that my XXXX school real estate taxes had not been paid and would be considered delinquent as of XX/XX/XXXX. The tax due was now at the penalty rate of {$4300.00}. I called the tax collection agency and provided them the date, payment amount and name of the mortgage company. However, they were unable to locate the payment and insisted the mortgage company needed to provide payment details. After numerous calls, Shellpoint provided me with a Batch ID #. The tax collection agency was still unable to locate any payment and asked me to have the mortgage company call them directly. I made numerous calls to Shellpoint for them to contact the tax bureau and get the issue corrected. 
I completed my streamline and my Shellpoint mortgage was satisfied. I received a check from Shellpoint dated 4/19/21 for the {$3900.00}. I contacted the tax bureau and they confirmed my taxes were still unpaid. I contacted Shellpoint to question the check I had received. Shellpoint indicated that they had just received a refund on my account for that amount. I explained that the real estate taxes were still unpaid and they needed to pay the full amount due to the tax bureau. I have never cashed the check sent to me by Shellpoint and it is now stale dated. The tax bureau still indicated that my taxes were unpaid and I contacted my attorney. The attorney mailed a letter on XX/XX/XXXX. My attorney has never received any response to the letter. 
Today, XX/XX/XXXX, I have received another delinquent tax notice indicating that {$4700.00} must be paid in full or further actions will be taken beginning with a Notice of Sale in XX/XX/XXXX and ending with the Sale of my home at XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the actions of Experian regarding the inaccurate information reported on my credit report. Experian has engaged in negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under statutes 16 U.S.C. 1681o and 1681e ( b ), which pertains to civil liability for negligent noncompliance. 

On XX/XX/XXXX I submitted my first dispute regarding the inaccurate information on my credit report. In accordance with FCRA regulations, I expected Experian to conduct a thorough investigation of my claims. However, not only did I receive an unsatisfactory response, but I subsequently sent four ( 4 ) additional letters to XXXX requesting clarification and the methods used to verify the disputed accounts. These letters were dated [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ]. XXXX failed to provide any response or documentation addressing my legitimate requests. 

Deviation from the proper procedures for investigating disputes, as enacted under the FCRA, constitutes a breach of their obligations as a credit reporting agency. The lack of compliance signifies Experians negligence in maintaining accurate and up-to-date information on my credit report, which ultimately affects my creditworthiness and financial health. 

In light of their failure to adhere to the statutory requirements of the FCRA, I am requesting that the Consumer Financial Protection Bureau take the necessary steps to address Experians negligent noncompliance, as per 1681o. It is crucial that credit reporting agencies comply with the law to ensure that consumers are treated fairly and that their credit reports reflect accurate information. 

Please let me know if you require any further information or documentation to assist in this matter. Thank you for your attention to this urgent issue.
Product: Money transfer, virtual currency, or money service

Hi good day! I've been using PayPal since last year but everything is running smoothly not until last week XX/XX/2022. Iv receive email that I can no longer use PayPal it never explain what's my fault. As this was my medium of payment as online freelancer. Ive tried to contact PayPal but representative said to be its can not be restored anymore. I have discovered how much of an inconvenience not having PayPal and I really appreciate If I can be given another chance. No longer being able to use PayPal has largely affected my life in so many ways especially this pandemic it is extremely difficult for me conduct with out PayPal I am very desperate to have my PayPal account back as it benefit me a lot. Once gain I'm begging you for humanitarian reason especially this pandemic time please grant my request. Hoping for your kind consideration Thank you very much
Product: Student loan

My loan was scheduled to be forgiven by Fedloan XX/XX/XXXX ( this is without the missing counts on my account-additional forbearance waiver being applied, which wouldve forgiven my loans sooner ). I had contacted this company many times via their email portal, and even via the FSA site, to plead with them to keep my file with them so that I wouldnt have to restart the process with XXXX. I have learned from both FSA and via other folk awaiting forgiveness that Fedloan had the power to decide to hold on to loans nearing forgiveness. I thought for certain I would be one of them as several people have stated that they received letters stating they were NOT going to be transferred to XXXX and would stay with Fedloanthese are people with whom I share similar or exact timelines. Do you know what happens to those of us who transferred to XXXX, with only 1 or 2 months before reaching forgiveness? Our counts reset to XXXX, as XXXX has to REVERIFY all of the counts that Fedloan already did! The timeframe for this is anywhere from 60-90 days. 60-90 DAYS!!! This means that those of us expecting forgiveness in XXXX, XXXX, or XXXX may have to wait until XXXX, when loan repayments begin, to be forgiven. My current count is 118 of 120 ; I will have to resubmit a new XXXX form to XXXX. I am currently in PSLF purgatory ; my loans have been transferred from Fedloan to XXXX but I am unable to create an account at XXXX because they dont OFFICIALLY have my files. This streamlined version of PSLF is a total XXXX-show!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed my XXXX  score dropped significantly 73 points. Carmel Financial account removed without any prior knowledge off my XXXX credit profile. I immediately contacted Carmel Financial and was told, " XXXX  suddenly decided to remove all accounts including its hard inquiry from their files without prior knowledge to us. We have been in business for over 50 years and don't understand why this occurred. We will continue to report to XXXX. '' I informed Carmel Financial Group I have not received anything in writing informing me of pending removal. She said, " We are in the midst of sending out communications to our consumers. " Next, I contacted XXXX by phone and was told the account was removed on XX/XX/XXXX by representative XXXX. I informed XXXX that " It's my right to know if any accounts are either removed or added per FCRA and that did not occur which affected my credit profile. '' The problem is my family was in the middle of making a major purchase by tomorrow for our XXXX and now I went suddenly from good credit to bad credit without any fault of my own which is putting my family livelihood at risk during a Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, YOU BROKE THE LAW AND VIOLATED MY RIGHTS!

Pursuant to 15 USC 1681 ( a ) ( 1 ) - The banking system is dependent upon my consumer report being fair and accurate. After viewing my consumer report, I have come to the realization that my report was inaccurate, and this inaccurate report us unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified when during your companys initial investigation that you were going to report this information.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error has undermined my confidence in your companys procedures, and because of this I will no longer be extending credit, and if this information is not removed, I no longer want my information reported in your companies database.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company has assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information, but you also assumed this information was valid which is also a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) Your company did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if this transaction ever took place. As a result of this my privacy was breached and this violated my right to privacy. ( See Exhibit A ) Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate whether it factually took place can be categorized as a transaction that took place between the consumer making the report which means it should not be included in my consumer report, and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681a ( B ) Any authorization of specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ) ( definition attached and highlighted in Exhibit B )
Product: Credit reporting or other personal consumer reports

XXXX XXXX is incorrectly reporting my XXXXXXXX XXXX XXXX balances as {$5.00} higher periodically every month. This is either because XXXX, XXXX XXXX XXXX XXXX, is reporting the loans incorrectly, or because XXXX XXXX is reporting the loans incorrectly, or both. As a result, every month my credit score creeps downward by a little bit, like XXXX XXXX 

On XX/XX/2024, XXXX XXXX reports incorrectly show that my XXXX XXXX XXXX  went up by {$2.00}, {$4.00}, {$5.00}, {$6.00}, and {$7.00} ( I have 5 loans ). However, I am on the SAVE repayment program, I made my minimum payment due, and the balances did not go up according to statements from XXXXXXXX XXXX website. This caused my XXXX and Transunion scores to go down by XXXX XXXX XXXX XXXX 

Similarly, in XXXX, XXXX XXXX reports incorrectly show that the loans went up by {$7.00}, {$24.00}, {$84.00}, {$95.00}, and {$100.00}. I made minimum payments then, and the balances did not go up according to XXXX. This caused my XXXX and Transunion scores to go down by another XXXX XXXX XXXX XXXX. 

What's more, XXXX XXXX website does not have a way for these complaints to be made. 

I've attached some corroborating documents.
Product: Credit reporting or other personal consumer reports

I recently came across the CFPB Equifax lawsuit regarding Equifaxs failure to properly investigate dispute request and upon reviewing my credit report I noticed a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding the payment history associated with XXXX  XXXX ( Account No. XXXX ). It is my understanding that information regarding transactions and or experiences are to be excluded from consumer reports.

Moreover, Per 15 U.S. Code 1681e ( b ) this account does not adhere to the maximum possible accuracy of the information concerning the individual about whom the report relates as it is inconsistent and inaccurate across XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}
Product: Student loan

Back in approximately XXXX 2016, I contacted Navient to see if the loans I cosigned on could have lower payments. The loans I cosigned for are under my husband, XXXX, name. He has XXXX loans with Navient, totalling about {$38000.00}. I called to see if we could have the payments lowered because with all of his other student loans, my own student loans, and other household bills, we were not able to make the full almost {$500.00} payment. After I listed all of our bills to them, they determined that we were not eligible for lowered payments. When I asked why, I was told that since we put {$300.00} into a savings account every month, we could afford to pay the almost {$500.00} Navient payment. I do not agree with that because any good accountant knows that everyone needs a savings account. I made it clear that we were willing to pay, just not {$500.00}. They said there was nothing they could do for us but to put us on forebearance, which includes {$150.00} payment every 3 months it gets renewed. How does Navient expect people to live if they expect all of their extra money to go to them? All it takes is for us to have one emergency without a savings, and then we REALLY would not be able to pay any student loans.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or 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. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to these fraudulent accounts I've noticed several hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have tried to get a new card Express shipped and it's been 6 days and I have yet again had to order a new card again
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX credit card limit {$8100.00} opened on XX/XX/20 Is showing as an open an account on my transunion credit report and it is not my account. XXXX XXXX  has already contacted transunion for my removal from account, but transunion has not removed account from my credit report and is affecting my overall fico score.
Product: Money transfer, virtual currency, or money service

I want to be reimbursed for not authorized transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX providing erroneous false information about my credit to and providing a score that is more than 200 points lower than XXXX, XXXX, and XXXX.They reported odd things that adversely affected my credit score such as maintaining a cellphone number that I have had for over 20 years and as military veterans I was stationed in different states but still maintained same number. XXXX stated this as being adverse due to " distance between address and area code of phone, '' I have lived at my current address for over 9 years and they reported " length of residence too short. '' Other two " length of time since most recent delinquency too short and too many delinquency too short '' which are both fault. They listed my credit score as XXXX. I have never in the history of my credit ever had a score in the XXXX. Whereas other reputable credit bureau list my score XXXX points higher at XXXX and XXXX. 

XXXX, XXXX, amnd XXXX also reporting erroneous information that I disputed. I have no deliquencies on my account. Nor was I deliquent on any mortgages. I request they follow up and update my credit report accordingly with accurate information.
Product: Bank account or service

I have a bank of the west checking account and it has around {$500.00} balance. I had monthly activities ... .... 2 years ago, I ca n't login in to my account and had n't received any letter from them. I called one of their branches in XXXX, IA and one banker over the phone told me my account went dormant and I had to fill out the form to reactive my account. She mailed me a form in the mail, I filled out and mailed back to her. Nothing has happened ... .I ca n't still login in to my account and I need my money back. Bank of the west ca n't just say customers ' account go dormant and keep customer 's money. 
The below is my Bank of the West account number : Account Holder XXXX Account Type Checking Account Number XXXX Transit Routing Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following listed accounts below has violated my rights. 

XXXX XXXX XXXX  Account # 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, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

For several months now debt collection agencies have been trying to get me to pay a medical bill that is not mine. They are trying to get me to pay a bill from XXXX XXXX XXXX where I have never been seen or treated. My oldest daughter that is XXXX was treated there and some how the hospital has my information and has given this out to all the debt collecting agencies. I have told them numerous times that this is not my bill, I have never been to nor have ever been treated there and to remove me from the accounts. They say they will then one week later they are sending me texts and calls. I pay my bills. I flat out refuse to pay a bill for someone else. I am not responsible for anyone 's debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of my intent to initiate arbitration proceedings to resolve the disputes concerning my credit report, which have not been adequately addressed despite prior attempts to rectify the situation through the conventional dispute resolution process. On XX/XX/2023, I received communication from XXXX stating that they conducted an investigation into certain derogatory accounts listed below on my credit report and subsequently REMOVED them from their records. I am kindly requesting your company to take the appropriate steps to DELTE these items. On XX/XX/2023, I submitted a formal dispute regarding several inaccuracies on my credit report. These inaccuracies have had a significantly adverse impact on my creditworthiness and financial standing. The disputed items include, but are not limited to : Account Name XXXX XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name - XXXX  XXXX Account Number- XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX XXXX  Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name -XXXX XXXX XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name -XXXX  Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX, XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXX, XXXX Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name XXXXXXXX XXXX ( debt collector is illegally contacting me ) Account number XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) Account Name -XXXX Account number XXXX, XXXX ( date last activity, Date opened, past due amt, closed date all incorrect ) In accordance with the Fair Credit Reporting Act ( FCRA ), credit reporting agency is mandated to conduct a thorough and timely investigation into these disputes and provide a written explanation of the investigation results within 30 days. Regrettably, the investigation conducted thus far has not resulted in a satisfactory resolution, nor have I received a detailed written explanation of the results, as required by law. Please Delete these accounts now, or I will have to start the arbitration process through the courts for the multiple violations that has been committed. Credit report should be 100 % accurate. 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 states : a consumer reporting agency can not furnish a accounts without my written instructions. 15 USC 1681 ( 602 ) ( 4 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly informed XXXX, XXXX, and Experian of inaccurate information that's being reported on my credit file. The first dispute was sent to all three bureaus on XX/XX/2022. I did not receive a response from my dispute. I also sent a dispute to the company furnishing inaccurate information to the credit bureaus, but still -- I did not receive a response. I repeated this dispute in XXXX of XXXX, and again in XX/XX/2022. Still no response. 
The inaccurate information has prevented me from being approved for a mortgage. I ask that CFPB investigate this matter on my behalf.