23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shellpoint ( Lender ) bought my loan from Ditech and somehow my insurance information was not forwarded to them. I called Shellpoint early in XXXX to see what I needed to do to remove the forced placed insurance from the account. They told me I needed to contact my insurance company. I reached out to XXXX XXXX and they faxed the policy over to them. As you can imagine XXXX was extremely stressful for me, there was looting within a mile radius of where I live, I have XXXX children, XXXX was in high school and the other XXXX are XXXX  siblings ages XXXX & XXXX. I work a full-time schedule and was XXXX XXXX part-time too. Needless to say, I had my hands full. By the time I realized I was still being charged for forced placed insurance, it might have been late XXXX or early XXXX. I must have spoken to over 10 different people before fully understanding what information was needed. I was bounced around between Shellpoint 's Customer Service, Shellpoint 's Insurance Department and XXXX XXXX a third party Insurance Company. My condo association forwarded me the insurance certificate in XX/XX/XXXX and I uploaded it to their website. Then I had to wait for XXXX XXXX to notify Shellpoint so that they can credit the account. 

They are not clear on the charges they place on the account. Their accounting methods are very scary to me. They randomly add fees ( property inspection ), they place multiple charges and credits to cause confusion ( see Transactions on XX/XX/XXXX ). They are offering me loan modification, which I do not need! I have the money, I have not made any payments since XX/XX/XXXX because I do not know where the money will be applied. There is a balance of {$1100.00} for unapplied partial payment, this should be credited to the account. 

PROBLEM They are charging me : {$1500.00} for forced placed hazard insurance from XX/XX/XXXX XX/XX/XXXX {$310.00} for forced placed hazard insurance charged on XX/XX/XXXX due XX/XX/XXXX {$130.00} for property inspection fees from XX/XX/XXXX XXXX {$45.00} PMI disbursement charged XX/XX/XXXX due XX/XX/XXXX but was already charged XX/XX/XXXX {$480.00} late charges from XX/XX/XXXX to XX/XX/XXXX - {$550.00} insurance refund applied XX/XX/XXXX - {$660.00} insurance refund applied XX/XX/XXXX {$1200.00} refund is still due on the account ; please refund this amount ASAP in order to get the account up to date Plus {$1100.00} Unapplied Partial Payment that needs to be credited to the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus and the original creditor multiple times and have disputed serious errors on my credit report.

Ocwen Loan Service ( mortgage company ) recently reported to all 3 bureaus that I have had an open account since XXXX and they have falsely reported late payments for XXXX, XXXX and reported a 'late payment ' for XX/XX/XXXX. I have NOT had an active account of any kind during those years. The data reported by Ocwen to all 3 credit bureaus are NOT true and are an absolute impossibility! I have had NO interaction with them since XXXX yet they even continued to report a closed account all during XXXX as well. 

I was denied credit and a mortgage as a result of this malicious and negligent reporting. 

I have filed multiple disputes with XXXX, XXXX and XXXX  as well as Ocwen, but in each case credit bureaus have reported that Ocwen 'verified ' and/or 'validated ' this. Again, this is 100 % impossible and is fraudulent reporting by Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to get this address removed from my credit report. It was a temporary address and I am no longer able to receive mail there. Therefore, I can not receive any debt collection forms from any agencies. I no longer live at this address and have updated all of the creditors with my new address. Attached are a copy of my DL and most recent paystub.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved from XXXX XXXX to XXXX XXXX in California in XX/XX/XXXX. Upon filling out the new housing application for my apartment, I was automatically connected to XXXX and XXXX service providers. Since my landlord uses XXXX to collect move-in costs/ rental payments via an account connected directly to my bank account. It is my understanding that XXXX processes those payments and would also report those payments to Experian moving forward. Originally, XXXX processed the first three months worth of rental payments which positively boosted my credit score from about XXXX to XXXX. For the next few months, I noticed that my credit score had been stagnant despite paying my rent on time. On XX/XX/XXXX I received a message that Experian 's  XXXX XXXX  had not picked up rental payments in about 120 days. I contacted Experian via email and they originally asked me to verify which dates of rental reporting was missing. I send them a follow up email with them including those dates and they they tell me that I can not self report rental payments. i explain that I am merely replying to the email with the information that was aske def because there was an issue with them acknowledging my rental payments for XXXX. They told me that there was a number of reasons why my rent could not get reported. However, i told them that non of the criteria fit my case. They then told me to call in. I did that and the workers for Experian told me that I should disconnect my bank account and add it back in order to have XXXX search for all the missing payments. I followed their instructions, however, my credit score dropped ~ XXXX points. XXXX was not only unable to verify the " missing '' rent payments but it also erased all rental payments and utility bills from my history. I called back and told them of this information, and they told me that I needed to pay my rent at the same time every month. I informed them that it does not mention that upon sign up so the headlines advertising XXXX are misleading. Not only that, but I had just gotten a XXXX account which XXXX recognized DESPITE me paying the bill on different days so that explanation doesn't make any sense. I was frustrated because as an XXXX XXXX, first generation, woman in graduate school I had dreams of improving my credit to improve the quality of life for my family and my decrease in credit score prevented me from buying a car, moving etc. Not only that, but it caused my great stress during a time when I thought I was pregnant. No one could explain to me why XXXX suddenly stopped picking up my payments. As indicated in the notification, it had been at least 120 days since any payments were detected meaning that payments were detected initially. If payments had stopped being detected, then I think a notice should been given to me via my Experian portal. I realize that the service is optional, but it is misleading to the highest level. It is also a service I am sure is most utilized by ; low-income, XXXX and XXXX folk which is extremely discouraging.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach. As a result of this breach, fraudulent accounts have been opened in my name. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I respectfully request that the following accounts be blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$4000.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4000.00} XXXX - XXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$8500.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Problem # 1 : In light of the economic crisis in XX/XX/2020, I had to spend 3 times my normal monthly expenses. Funds became scarce and I asked CITI/Credit Card to allow me to make a reduced payment pf {$25.00} for the next 4 months instead of the $ XXXX  monthly payment. They refused me. 

Problem # 2 : On XX/XX/2020, I made a $ XXXX  monthly payment in advance, which was due on XX/XX/2020. Then on XX/XX/XXXX, CITI withdrew a second {$100.00} from my checking account. I was charged twice for the XXXX payment. I called CITI on XX/XX/XXXX and was told they wouldnt do anything to correct the problem. 

I called CIT I2 times and asked them to lower payment to {$25.00} for 4 months and to have one of the XX/XX/XXXX payments to be applied to XXXX payment. They told me to call back about the double payment which I did. Each time I called, they said no. I finally wrote them a letter summarizing the problems and asked for help. I got a letter from CITI and again saying NO. In good faith, I will be making a $ XXXX  monthly payment for the next 4 months, but If something is not resolved during that time, I will have to stop all payments and default on the balance of the credit card.
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me XXXX XXXX. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute inquiries made on my credit report online. I was then told on their website to call a 1800 number to make a dispute because I can not dispute it online. I called Transunion and talked with " XXXX the Supervisor for special handling '' and was denied from legally disputing any unauthorized inquires made on my account. I informed them under section 609 that I have every right to dispute anything on my report that may be fraudalent or unauthorized. And was still denied. They told me they will need a " letter from a lender ''. I then informed them that the lender would not logically know if the inquiry was unauthorized or not. Only the consumer would be able to confirm that. Transunion is violating my rights under section 609 to dispute anything on my credit report, including unauthorized inquries. I demand that my inquries be disputed legally or deleted. If this isnt done under law section 609. The next step will be legal action with my attorney.
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. 

Account Name : XXXX XXXX Account Number : # XXXX Account Name : XXXX Account Number : # XXXX ==================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Debt collection

This is for a XXXX XXXX bill from XXXX. The new collection company erased the old debt and created and new debt starting in XXXX. When I contacted the company to dispute that his account was old and not new, they told kept trying to get me to just pay their amount. The supervisor confirmed that the debt was started in XXXX and not XXXX and that they were reporting it as such, but they are not. She went on to claim that it was the credit bureaus fault, not theirs. However, when I then told her that if what she is saying is true, then in two years her account would disappear off my credit because the account is 5 years old, and negative items would come off my credit after 7 years. She proceeded to tell me that wasn't true and those items don't come off your credit. I told her she was the first person to ever tell me that. She then told me that the only way it would come off the report is if they reported it as paid, again tried to get me to pay. I again told her that two different mortgage companies were telling me that it was showing up as a new debt as well as myself looking at what they submitted to the credit bureau. She ignored what I was saying and again blamed the credit bureau, confirmed again that the account was from XXXX, and that they reported it that way, but that they also submitted the XXXX date to the credit bureau. This is obviously a tactic that this company uses to get people to call in and pay the note, even though it's an extremely old note. I told her that I would have actually considered paying it off if their practices were not blatantly shady and possibly even illegal.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my financial identity. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credt Reporting act XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights to privacy which is lawfully illegal. 

FEDERAL STATUTE CODE 15 U.S.C 1681 section 602 A States that I have the right to privacy and by reporting my personal information to anyone or any bureau without me consent puts my life in danger and violates FEDERAL LAW!

FEDERAL LAW 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without the consumer written instructions/consent! I never consented to such illegal activity being forced upon me!

Since this debt is disputed pursuant to the Fair Debt Collection Practices, You are required to cease all collection of these alleged debts which INCLUDES, reporting to my consumer report and approving any CRA to do the same.

Thereby inform you that you do not have my consent to communicate with n. through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft and is a safety risk to my family. I also DID NOT consent to you to report or furnish any information in my name to the any credit agency.
Product: Vehicle loan or lease

My RV Loan was taken over from the Bank of the West to BMO. During the conversion every time XX/XX/XXXX I tried to make payments I had extreme difficulties making payments by phone, their pay by phone was down not working properly or online the automated system said it could not find my loan. XX/XX/XXXX I called BMO after much run around I made payments online received a receipt, but after a few weeks. I would get a letter by mail saying BMO did not receive my payments or BMO repeatedly reversed my payments XX/XX/XXXX. I got a letter saying my loan number could not be found in their BMO system. BMO collections started calling me all crazy times day, night & the weekend saying I didn't make a payment or they reversed my payment back to my bank. XX/XX/XXXX BMO took, repossessed my RV off private property trespassing and Damaging my RV and yard in the process.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed :

 XXXX XXXX  , balance XXXX, Date opened XXXX XXXX XXXX

XXXX XXXX, balance XXXX, date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance XXXX, date opened XXXX XXXX XXXX
Product: Debt collection

I check my credit score and it shows a negative account on my credit score. But I don't know anything about that account. I wasn't living in Florida that year.
Product: Checking or savings account

Dear CFPB, I had deposited two checks at my TD Bank in XXXX, VA on XX/XX/2020. Today I learned that TD has blocked my account. The checks were from my XXXX accounts, which have already been cleared by XXXX Bank. 
I do not understand why my account has been blocked. I have been TD bank member for almost 20 years. 
I was told by customer service that I have to go to the bank in-person to unblock my account. Due to COVID-19 this is a very inconvenient process. 
Could TD just reject the checks if they do not want to accept the deposits ( for whatever reason ) and unblock my account? 
Due to COVID I do not want to go to the bank in-person. 
I will greatly appreciate if CFPB can help to resolve this issue.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX I have been in the process of trying to get a mortgage since XX/XX/2023. In XXXX we found out there were disputes on my credit report. I filed the initial dispute with XXXX. In XXXX I called all XXXX bureaus to remove the disputes. The disputes were not showing for XXXX or Equifax. Once my credit was pulled again after making those calls, XXXX had the disputes removed and now they were showing for Equifax and XXXX. So over the next few months I have been calling the bureaus and trying to get this removed, wait the 72 hours and get my credit pulled again. The main bureau who has given me trouble with this issue is Equifax. I have now called 5 times to get this removed and it is still showing. I just got off the phone with a supervisor today and hopefully this is done. The 3 most recent phone calls are XXXX XX/XX/XXXX, XXXX and the XXXX. I am sorry for any innocence this is causing but me and my wife are desperately searching for a house because we have outgrown our current living space. This process has dragged on too long and I am disappointed I have to call Equifax so many times just to remove a remark that I never started with them in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is reporting a delinquent account that is up to date!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my 2nd attempt in trying to resolve this matter. Experian claimed my recent complaint was not specific enough in regards to the fraudulent accounts despite the fact they have received SEVERAL dispute letters listing the fraudulent related accounts. Accounts related from identity theft are 1.  XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX XXXX # XXXX, 4. XXXX XXXX # XXXX, 5. # XXXX XXXX # XXXX # 6. XXXX, XXXX  # XXXX. Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and Experian has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.