23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Having completed the required three-month trial payment period,XX/XX/XXXX-XX/XX/XXXX, on XX/XX/XXXX we received an acceptance/eligibility letter from Nationstar Mortgage for a Home Affordable Modification on our mortgage. We completed and returned the agreement in the pre-paid envelope by the designated date of XX/XX/XXXX. Receipt of documents were confirmed and we continued payments -- the first new monthly payment for XXXX ( continuation of trial payments ) of {$1500.00} @ 3 % interest for 483 payments and made XX/XX/XXXX's monthly payment ( monthly principal/ & interest payment amount {$850.00} ; monthly escrow payment amount {$660.00} ). On XX/XX/XXXX we received another modification agreement with change in the " new money '' from {$100000.00} to {$74000.00} ; the monthly payment changed to {$1500.00} @ 3 % Interest for 480 months. We called Nationstar and spoke to XXXX XXXX questioning new modification documents AND as to why on their website on my login page there was message " Your account is not eligible to make payments. Please call us ... '' XXXX XXXX said that Nationstar was " re-doing the modification '' and that I after I signed new agreement, payments would be accepted. We signed the new modification agreement and returned them within the designated time frame.
We called Nationstar weekly and were told they were working to correct some errors " they had made ''. We checked our account on their website several times during the week and saw the same message " Your account is not eligible to make payments. Please call us ... '' which we continued to do. <P/>On XX/XX/XXXX we received a letter ( dated XX/XX/XXXX ) informing us that we had been denied HAMP 1 Tier as we 've " ... exceeded allowable number of modifications ... '' and HAMP Tier ll was declined because " ... offer not accepted by borrower/request withdrawn ... '' This is not true. It also states we did not make trial payments which is not true! They are now asking for money ( {$61000.00} ) that according to modification agreement was rolled back into loan.
Product: Mortgage

We recently did a reverse mortgage, the loan proceeds were held up 13 days. The title company funded the loan, but failed to mail the check for 6 days. Because we had not received the check they stopped payment, reissued which took an additional 7 days. I am wanting a interest adjustment on my loan because funds were not received.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App for their failure to address fraudulent transactions and their lack of accessible and effective customer support. This negligence has caused me financial harm and stress, and I believe it violates CFPB regulations. 
1. Unauthorized Charges by XXXX XXXX  : On XX/XX/XXXX, I was charged {$200.00} and {$24.00} by a company called XXXX XXXX for a trip I never authorized or planned. Despite my efforts to dispute the charges, Cash App provided no meaningful support or resolution. 
2. Unauthorized Charges by XXXX : I also discovered unauthorized withdrawals by XXXX on the following dates : XX/XX/XXXX : {$8.00} XX/XX/XXXX : {$4.00} XX/XX/XXXX : {$7.00} XX/XX/XXXX : {$42.00} XX/XX/XXXX : {$43.00} These transactions were made without my authorization, and my attempts to resolve the issue through Cash Apps platform were unsuccessful. 

Cash Apps lack of an effective dispute resolution process and failure to secure my account highlights critical gaps in their responsibilities as a financial service provider. I am requesting the CFPB to : Investigate Cash Apps handling of these unauthorized transactions. 
Enforce regulations ensuring customer support and fraud protection. 
Assist in recovering the funds lost due to these fraudulent transactions. 

I appreciate your attention to this matter and look forward to your assistance in holding Cash App accountable.
Product: Money transfer, virtual currency, or money service

Cash app, allowed hacking theirs advised i was under fraud stil refused to provide payment and closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The reporting of the Account listed as : MILITARYSTAR  XXXX on my XXXX and XXXX Credit report has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 USC 6801 states that Credit Reporting Agencies have an obligation to protect non public personal information 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions the FCRA states that companies are obligated to maintain accuracy of all items reported.

The information in this account are not only constitutes " non public in personal information '' and they have been reported INACCURATELY. Multiple details including the balance amount as well as the date of the account openings are reported differently on the XXXX report and the XXXX report. XXXX does not even have a record of this account existing at all. 

The reporting of this information has damaged my ability to acquire funding and has greatly impacted my mode of living.

The reporting of this information without my expressed written consent constitutes a violation of 15 U.S.C 1681 section 602.

I also never received any communications or disclosures informing me of by ability to opt out of these reports. 15 U.S.C. 6802 B states that reporting company is required to send me the aforementioned communications ; The lack thereof constitutes a violation of the FCRA.

I have communicated in writing several times with company and they have failed to comply with my written instructions, as well as failed to provided details of the results and methods of investigation in an investigative report as required by 15 U.S.C 1681 ( b ) Disclosure on request of nature and scope of investigation.
Product: Debt collection

I received a bill from XXXX perhaps a year ago saying I owed them {$3200.00}. The bill was mailed to my address with the name being XXXX XXXX. My name is XXXX XXXX I don't have any family member who is XXXX XXXX. I called XXXX and the first rep. I spoke with seemed understanding and I thought the issue was resolved. However I would periodically get billed from XXXX  and I would call explaining I never have had a XXXX  account and I am not XXXX XXXX. 

About a month ago I received a letter from a collection agency AmSher Collection Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX. Phone number was XXXX. I called them explained the same story again. I was angry no question but the agency verified the last four digits of my SSN and my DOB. I knew then somehow a crook must have gotten that information. 

I filled out a police report with the XXXX XXXX XXXX XXXX XXXX in Texas. The case number XXXX. The officer who took the informations name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries for a mortgage loan from some random source i have never heard of, from a XXXX XXXX I have never applied for a mortgage loan in my life.
Product: Student loan

I contacted Mohela on XX/XX/XXXX to request refund of COVID payments that were made during the COVID forbearance. They sent a response apologizing for not answering my request and asked me to call if it has not been resolved. I am unable to get through via phone and it has now been 4 months without be resolved. I sent them the following message : I am writing to request a refund of payments I made during the COVID forbearance. These payments include the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. These 13 payments were made direct debit from my account. Please send refund asap.
Product: Vehicle loan or lease

I had a good credit and still my interest and payment was so high
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting agencies may not report outdated negative information that is more than seven years old, or XXXX  that are more than XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute to the Transunion Consumer Reporting Agency that the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are too old to be still negatively affecting my credit report and were supposed to have fallen off my credit report by XX/XX/XXXX at the latestyet even after Transunion investigated the dispute XXXX Transunion did not remove the outdated account, which has sustained the potential for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to negatively impacting my credit score beyond the date of XX/XX/XXXX, which has contributed to impeding me from improving my XXXX XXXX to get the best available terms on future loans. 

Furthermore, in XXXX, Transunion is also reporting that a XXXX XXXX XXXX account with a {$0.00} balance which was closed on XX/XX/XXXX and is still in pending litigation was worthy of negatively affecting my credit score, and between XX/XX/XXXX and XX/XX/XXXX, Transunion reporting of XXXX XXXX XXXX cost me XXXX points off my credit score. I have called Transunion and attempted to resolve the matter, and although Transunion is the entity reporting the negative information that already has a XXXX balance and a closed date, Transunion still refused to fix the blatant error, and the Transunion phone representative advised me to reach out to the creditor XXXX XXXX XXXX ; which I already explained to the Transunion phone representative that I had done, and yet the matter still wasn't resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against thXXXX XXXX XXXX XXXX regarding a violation of the fair debt collection practice Act ( FDCPA ), 15 U.S.C 1692g. I recently noticed that the XXXX XXXX XXXX  placed an account for collection on my credit report. however, I did not receive any written notice from them regarding the alleged debt as required by law. Under the FDCPA specifically 15 U.S.C 1692g ( a ), a debt collector is required to send the consumer a written notice within five days of the initial communication regarding the debt. This notice must include : The amount of the debt. The name of the creditor to whom the debt is owed. A statement informing the consumer of their right to dispute the debt within 30-day period, the debt collector will provide verification of the debt or a copy of a judgment. To date, I have not received any such written communication from the XXXX XXXX XXXX despite the account appearing on my credit report. This omission is not only a potential violation of the FDCPA but also detrimental to my credit standing and overall financial well -being. I am providing a copy of my credit report showing the entry by the
Product: Mortgage

I mailed the payoff amount on XX/XX/XXXX Shellpoint refused to pick the check and apply the payments as of XX/XX/XXXX. I spoke to Shellpoint XX/XX/XXXX they have no idea how mail was not picked up form post office and why I have not received return receipt. 
Based on my communication I have been provided XXXX different addresses and based on XXXX different addresses I went online. I determine address provide to me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX is correct address. see attachment. Due to the fact there was a dispute and other documents as states in the letter correct address was used to send payment and dispute. 
Other address I have been provided as follows : XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
Regardless of what the circumstance is dispute and payment sent address provide in multiple communication which was provide by Shellpoint see attached. 
Shellpoint did not pick mail from post as on XX/XX/XXXX and post office decided to put in the XXXX XXXX that I have no idea of. Attache post office conformation Federal law : 26 U.S. Code 7502 - Timely mailing treated as timely filing and paying ( a ) General rule ( 1 ) Date of delivery If any return, claim, statement, or other document required to be filed, or any payment required to be made, within a prescribed period or on or before a prescribed date under authority of any provision of the internal revenue laws is, after such period or such date, delivered by United States mail to the agency, officer, or office with which such return, claim, statement, or other document is required to be filed, or to which such payment is required to be made, the date of the United States postmark stamped on the cover in which such return, claim, statement, or other document, or payment, is mailed shall be deemed to be the date of delivery or the date of payment, as the case may be. 
( 2 ) Mailing requirements This subsection shall apply only if ( A ) the postmark date falls within the prescribed period or on or before the prescribed date Complaint : Its over 11 days Shellpoint refused to pick documents and payment. I should be subjected to any additional payment, interest, property inspection, late fee and so on. 
Shellpoint was informed several weeks prior to mailing the check and check numbers were provided with amount. So, Shellpoint know payment was mailed same check number and amount is enclosed. 
As of XX/XX/XXXX Shellpoint should cease and desist all forms of communication either via email or any other forms. 
I owe no money to Shellpoint, or any other entity and I need the deed mailed to me asap in 14 days as the law requires.
Product: Mortgage

I worked for XXXX XXXX XXXX for a month. While i was there, I witnessed management taking loans from struggling loan officers and placing them under the owners son 's name. I left one loan in process when I parted with the company and the commission was also redirected to the owners son ( XXXX XXXX XXXX ). This is both illegal and unethical.
Product: Mortgage

I am a XXXX and an authorized XXXX party negotiating a short sale for an XXXX Military couple who received orders to XXXX and had to leave their home in XXXX. Citi has been extremely hard to deal with -- setting up phone appointments with me to discuss the file and then never calling me, not responding to my emails to confirm receipt of documents or for status updates, etc. On XXXX XXXX, I was told by the person assigned to the account -- XXXX XXXX, that the appraisal had been ordered and that the title report had been ordered and once those documents were in that the file would go to the next phase and actually be assigned to a negotiator. I met with the appraiser and he told me he would have his appraisal turned in within just a couple of days. It is a VA appraisal, so it gets loaded up on to the VA portal. I kept checking with Citi and they kept telling me they did not have it in the file and they would have to wait XXXX days from the date that it was ordered to try to track it down. I called the appraiser directly. He told me he uploaded the appraisal on the VA portal on XXXX XXXX. I called Citi and told them where they could go find it and they claimed they did n't have access to the VA portal to go get it. They are a VA lender, so I am not sure how that is possible. I asked to be transferred to a supervisor on XXXX XXXX. I was told by that supervisor that they would try to track it down. XXXX business days went by and I called to check on it again. Still not in the file. Asked for a supervisor again. Was transferred to XXXX. She told me they could not just go in there and get it. I argued with her and told her to talk to someone in their mortgage department because VA appraisals stay in the system for XXXX year. She put me on hold, came back on, and told me she had received instructions on how to go get it. She said she should have it resolved by the end of the day. I told her to email me when she did so I knew for sure. XXXX days later I called and it still was not in the file. Asked for a supervisor again. Got transferred to XXXX. She also told me there was nothing they could do to go get the appraisal. Put me on hold for a really long time and came back on and said she was going to try to submit the complaint to their escalation department and I should wait to hear back from them. We ca n't afford to wait anymore on this. The seller 's in XXXX are paying out on this house in the United States and their home they are renting in XXXX. Our buyer 's on the home have waited over 60 days for Citi to respond to their offer, but Citi ca n't seem to get their paperwork straight. Also on XXXX XXXX told me that the title report was being reordered because it showed a note in the system that it was ordered, but she could not tell if the order had ever actually happened. Military members should not have to deal with this kind of disorganization when trying to settle their affairs that resulted from being given orders to a different country. 
Please help.
Product: Credit card or prepaid card

I was renting out my house on XXXX  XXXX. Someone stole my phone and my wallet to make fraudulent charges. 

I think they sent in some documents to fake my identity and " verify '' as me. 

Discover has been said that they found that it was not me and there was fraud on my account but they refuse to remove the charges.

Now my credit card is reporting late payments and messing up my credit score for something I NEVER even did.

Discover has agreed it was Fraud but they are charging me still, that's against the law.
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 account below : XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian & XXXX XXXX XXXX continue to violate my consumer rights by reporting this account even though I have no obligation under federal law to pay this debt. Since this deals with securities its a federal matter and no court has ordered me to pay this debt and the instrument that is being held was transferred and assigned but perfection of the security interest was never registered therefore no valid lawful claim exist.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX acct XXXX checking XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX mn XXXX on XXXX XXXX 17 brought balance to XXXX gave him my cash card to cut up.he cut one slice opposite strip to slide in machine.he kept asking if I wanted direct deposit and I said NO I WANTED TO CLOSE MY ACCOUNT. I CALLED XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX.SHE SENT ME A LETTER DATED XXXX XXXX 17 SAYING MY CHECKING ACCOUNT ENDED XXXX THAT IS M, Y ZIP CODE.MY ACCOUNT PIN WAS CHANGED AFTER I LEFT THE BANK.i HAVE HAD THIS ACCOUNT FOR 30 YEARS.i ALWAYS USED THE ORIGIONAL PEN. I NEVER CHANGED THE PEN I DO NOT WANT DIRECT DEPOSIT I DO NOT WANT TO EVER BANK WITH WELLS FARGO AGAIN I WANT MY ACCOUNT CLOSED.i DO NOT HAVE A BANK CARD.
Product: Credit reporting or other personal consumer reports

CREDENCE RM is selling deceptive information to XXXX and XXXX. This allege debt has not been properly validated as belonging to me and I have received no notice of my right to dispute this debt before it was added to my consumer report. Under FCRA each reporting agency is required to report 100 % accuracy how was this debt account verified when there is not court judgement that makes me liable for this debt.
Product: Debt collection

On XXXX XXXX, Franklin Collection Services reported a collection account for {$710.00} for an account with XXXX. The same account was previously reported on my credit report by XXXX XXXX XXXX on XX/XX/2020. I disputed the account based on the fact the account is not mine. The account is in a name that is not mine and I've never been known by the name. I NEVER RECEIVED a letter or a call from XXXX or Franklin Collection Services regrading this account. Additionally, I've never lived at the address that the account is connected to - nor have I ever lived in that state. I was able to successfully dispute the account placed by XXXX XXXX XXXX and it was removed from the report. However, it has shown up on my XXXX report again, but under Franklin Collection Services. I contacted Franklin Services via phone and email in which they verified there is no account listed under my name and that the account that I referenced was for a different person/name. Overall, I've disputed this account multiple times with XXXX with NO SUCCESS. They continue to state in the dispute results that the agency has verified the account is accurate. And now XXXX refuses to re-investigate the dispute. I do not accept those results. I've contacted the same collection agency and it was verified that the account is not accurate. It isn't under my name. My credit history will show that I never lived there nor is that my birth name or married name. The companies at fault are XXXX, XXXX and Franklin Collection for reporting incorrect information on my credit report and failing to do a thorough investigation. That said, if not resolved I plan to seek legal action.
Product: Credit reporting

IRS contacted me about breech of 2015 tax document involving my SSN and said I could get a year of credit monitoring for this problem caused by their agency. I contacted Equifax for myself and have had no luck getting them to help. They say I have not proven that I am who I say. I submitted documents with my driver 's license and last year XXXX form along with a cover letter. After 7 phone calls, I can not get past the " protocol '' of the phone answering people who are completely uninterested in the incident # or promo codes that I have been given by the IRS to deal with this matter. I find their company cumbersome and disorganized in their phone interactions and I had similar problems trying to do this online. I want an informed person who speaks decent English to contact me so I know that my sensitive material that I have given to their " phone answerers '' is not making an even bigger problem and that I have the help the IRS says they are to give. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to request a XXXX XXXX compliance review of my credit report. I believe these accounts are not mine and part of a mixed credit file or fraud or reporting inaccurately after reinvestigation. I have attached more evidence that proves that some if not all of these accounts are a result of a mixed file or another individual with the same name and XXXX as me thus I can not take responsibility for an account that is not mine. 

I have included my credit reports from XXXX that reflects all three credit bureaus and what is being reported. As you will see clearly, the payment history is incomplete and does not match across all bureaus. If they are contacting the furnishers then these accounts much match per what the furnisher is reporting. 

I am requesting that you conduct a XXXX XXXX compliance review of these account and remove them. A XXXX XXXX compliance review is a process that is used to ensure that credit reporting agencies are reporting accurate information. 

I am enclosing a copy of my credit report with the late payments that I am disputing highlighted. I am also enclosing a copy of documentation that supports my claim that the late payments are inaccurate. 

Please delete these accounts as I have spent the last 7 months disputing and my disputes and complaints have been ignored. If these accounts continue to report after 30 days, I will seek legal action. 

Thank you for your time and attention to this matter.