23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

NewRez LLC/Shellpoint continues to openly defy and ignore new XXXX regulations despite of their full knowledge of the fact that cumulative cap does not apply to disaster payment deferral or a XXXX payment deferral. 
( See attached exhibit A and B ) Simply stated the prior XXXX  XXXX payment deferments are NOT included in cumulative cap and can NOT be used as a basis for denying the current 3 months deferment request. 

NewRez LLC/ Shellpoint does the OPPOSITE. NewRez LLC/Shellpoint uses a prior XXXX XXXX payment deferment as a basis for denying the current 3 months request. 

I have not used any of the XXXX allowed to be deferred 6 months of payments based on XX/XX/XXXX XXXX  guidelines. 
XXXX regulations specifically exclude prior XXXX XXXX issued deferments as a basis for which NewRez Shellpoint can deny the current 3 months deferment request. 

There is NO CAP that Shellpoint can rely on to to justify their refusal to provide a current payment deferment because cumulative cap does not apply to disaster payment deferral or a XXXX payment deferral. 

XXXXwRez LLC/ Shellpoint simply ignore the fact that the previous 21 months XXXX  XXXX deferment as a result of XXXX XXXX  XXXX shut downs which had occured as a result of nationwide disaster and Gov. XXXX executive Orders related to XXXX shut downs and shelter in place and XXXX  XXXX deferment can NOT be used as a basis for You have exhausted the maximum amount of allowed deferred payments ; therefore, the loan does not qualify for an additional XXXX deferral due to XXXX. ( Shellpoints prior letter dated XX/XX/2023 ). 


NewRez LLC / Shellpoint continues to operate in direct violation of federal regulations despite of their full knowledge of the exclusion of the cumulative cap on disaster payment deferral or a XXXX payment deferral. 

This is a formal request for NewRez LLC / Shellpoint to further elaborate on to why NewRez LLC XXXX Shellpoint continues to fail to exclude the cumulative cap on disaster payment deferral or a XXXX payment deferral when NewRez LLC / Shellpoint is aware that as per XXXX  regulations the cumulative cap does NOT apply to disaster payment deferral or a XXXX payment deferral.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX # XXXX XX/XX/2022 -- {$3600.00}
Product: Money transfer, virtual currency, or money service

Square placed a 120 day partial hold on a payment I received for my legal services as an attorney. I called and they said there are four factors which an account may be flagged. None applied to me : I have never had a transaction disputed, im not a new account, I do not have sporadic transactions and am do not provide a high risk service. I am a law firm. The customer service department said theres no exception to the rule and I must wait 120 days. I asked if they pay interest for these 120 days for the time my funds are not available and they do not. Im out of luck essentially.
Product: Credit card or prepaid card

XXXX/XXXX/XXXX I have a prepaid XXXX gift card, marketed by US Bank, with a {$200.00} credit balance. Today I tried to use the card to purchase an airline ticket for {$180.00}. The transaction was denied. I contacted Cardholder Services at XXXX XXXX XXXX XXXX and spoke to a supervisor, XXXX XXXX who told me that airline ticket purchases have an automatic withholding function that requires a 20 % " overage '' for gratuity. I told her that I was purchasing a ticket for exactly {$180.00} and that there would be no gratuity on the account and asked if she would be able to approve the transaction. She told me that it is bank policy to withhold the 20 % overage for any services ( haircuts, restaurants, airlines and cruises. ), and said that she would not be able to approve the transaction. I then inquired what could be done to get the purchase completed, and she suggested that I call the airline and ask if they would be willing to reduce the price of the ticket by 20 % -- laughable. I asked her to provide me with the documentation of the US Bank airline ticket gratuity policy, because the pamphlet that came with the gift card makes no mention of it. She said that she was unable to do so, but that I could write to Cardholder Services at XXXX XXXX XXXX XXXX, FL XXXX and they would be able to provide me with the information. Since the card is administered by US Bank, I asked if I could take the card into a US Bank branch and simply get cash for the balance and was told that I can not do that either. The problems are : 1 ) I have {$200.00} on a card that I would like to use {$180.00} to purchase an airline ticket. 2 ) I have until XXXX XX/XX/XXXX to get the purchase finalized. 3 ) Even if they are able to furnish me with the policy, I am still without the ability to have access to my money, and US Bank has refused to allow the purchase to be approved. 4 ) Never in my life have I paid gratuity on the purchase of an airline ticket, nor do I know of anyone who has paid gratuity to purchase an airline ticket. In fact, I looked up " Can I pay gratuity for an airline ticket? '' on XXXX and was not able to find a single item about it. Lots of info about cruises, motor transportation, and tour guides, but no gratuity on airline tickets. Interesting.
Product: Debt collection

Account name RECEIVABLE MANAGEMENT XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/year> Status Collection account. {$710.00} past due as of XXXXXXXX XXXX 
Status updated XX/XX/year> Balance {$710.00} Dispute of Fraudulent collection Accounts Pursuant to 15 USC 1681i Credit Bureaus I am writing to formally dispute a fraudulent collection account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX filled out an auto loan through XXXX XXXX web site. XXXX from XXXX XXXX  called to let me know that on Trans Union credit report still shows my student loans due, I told XXXX that it has been years since I went to school. Sent pictures of XXXX credit report showing zero student loans. I did fill out a dispute about the student loans on Trans Union web site. 
I contacted Trans Union to inform them of the mistake of the student loans still showing up on my credit. I was informed, nothing will be done to remove the loans for 30 days for disputes takes, or till they get the refusal letters from the banks for an auto loan. 
Student Loans are to stay for 7 years, some of the student loans show up to 14 years.
Product: Credit reporting or other personal consumer reports

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 ** All are fraudulent inquiries
Product: Credit card

I was invited to apply for a Discover Card. I filled out the necessary information then was sent an e-mail to verify my address asking for State I.D, or other, and photo of social security. I attempted to upload photo of I.D . from phone but was unsuccessful. I then went home and scanned both I.D . and Social Security and uploaded them from my p.c.. Although the photo on my i.d is not clear my address and license # are. I received another email again requesting the information or to call. I called, spoke to an agent who was trying to find another way to send information, since they had trouble reading the I.D., whom she then said hold on a moment and then returned to the phone saying it was n't necessary to send any more information and they would process the applicatiuon 7 to 10 days. I then received another e-mail saying to call them or lose my application. I called them and was informed my application was denied. I checked my credit report saw they made a soft inquirie previously and then a hard inquiry. I recently received the denial letter which states I was denied to do inability to verify my credit references. It also adds on the back my fico score at XXXX ( it is XXXX ) and that there was not enough credit length on other cards and loans. I have had a XXXX XXXX credit visa card for three years, a XXXX for going on two years and an XXXX opened recently. All of which have been paid on time. I also have a loan through Department of Education, and a loan through a credit union of which all are current. I feel I have been discriminated in some way or I would have been run-around as I had. They came to me! And have had no trouble with these other credit cards.
Product: Student loan

I am filing a complaint against FedLoan Servicing and their administration of the Public Service Loan Forgiveness Program. I am a XXXX and I have student loans. I work for a not for profit employer and I have since XXXX. I qualify for Public Service Loan Forgiveness ( PSLF ) based on my employer and my job. I began making qualifying payments in XX/XX/XXXX. In XXXX XXXX   XXXX I realized that there had been an error made, as I had two separate dates for my loans to qualify for PSLF- XX/XX/XXXX and XX/XX/XXXX. I called FedLoan Servicing where they stated they would start an investigation into the issues. They could not give me a resolution date for the investigation. My loans were originally with XXXX, but had to be switched over to FedLoan servicing when I applied for PSLF initially, as FedLoan Servicing is the only loan administrator that does PSLF. FedLoan Servicing claims that I did not make a full payment in XX/XX/XXXX and again in XX/XX/XXXX. This is simply not true. My payments have been on auto draft since I began making them, so unless they auto-drafted an incorrect amount this isn't possible. I am working to reach XXXX to clarify this issue. I have been calling periodically since XXXX XXXX   XXXX and there is yet to be a resolution, and it is now XX/XX/XXXX, nor can they provide me with a date to expect a resolution. They will not allow me to speak with anyone in the investigative department. I spent an hour and twenty-one minutes on the phone with a representative name " XXXX '' ID number XXXX, and then her supervisor " XXXX '' ID XXXX. Neither of them were able to resolve the issue or give me a time frame. A simple investigation of auto-drafted payments, with no change in qualifying employers should not take more than a year to complete with no end in sight. I stated this to XXXX who told me that " We simply don't have the resources to answer your questions today. We are the only loan company who deals with PSLF. '' This is a horrendous waste of tax dollars and is disrespectful to the individuals who work hard to provide public services for the betterment of our country.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian to have them update and correct my credit profile to reflect XXXX XXXX and XXXX. Experian needed verfied documents of my current address I sent them a verified mail with a copy of my driver licenses and mail with current address. 
Mail out on XX/XX/XXXX on Tracking # XXXX received in XXXX we are now in XXXX and my credit report and file has not been updated from XX/XX/XXXX. Experian has been giving me the run around not reporting accurate information and it has become very frustrated I'm trying to purchase a new car and home and my Experian credit file is stopping me from achieving this goal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : 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 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
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX, I got accepted for a {$500.00} loan with payments of {$150.00} for 26 payments, I reached out to the loan company with email and calling them directly asking for smaller payments, which only they didn't answer emails and when did answer they offered a discount.

This is my second time getting a loan from Otter lending- the first time I took out {$500.00} and had payments of {$100.00} biweekly, for 6 payments.
Product: Student loan

I had multiple conversations with navient XXXX where I was told my consolidation would remove the past due snd negative history of my credit bureaus. This did not it help XXXX. NOT only did this not happen but it too they sold or had a 3rd party collection agency calling me telling me I was n't eligible for consolidation. this was very very confusing to to get conflicting stories from XXXX different agencies. When 's i findlky got my consolidation done the monthly payment was {$200.00} more than what I agreed earlier to. I am requesting that my credit bureau be corrected. Asap
Product: Student loan

I made XXXX qualifying payments through the XXXX program as a XXXX XXXX XXXX XXXX in XX/XX/year>. XXXX XXXX XXXX ( XXXX ) sent the loan discharge request to Mohela. 

Mohela acknowledges that they received the discharge information from XXXX in XXXX of XXXX. I was told that it would take XXXX  days to discharge, and then after calling because my loans were not XXXX, I was told it XXXX take up to XXXX. 

Most recently, on XX/XX/XXXX, I was told that my account needed to be rebuilt. The agent on the phone could not give me a timeline as to when the account would be rebuilt, nor when my loans would be XXXX. She said it could be a year or it could be weeks. 

I find this unacceptable. I did my part to achieve loan forgiveness. Now, Mohela has the discharge request but it essentially holding my loans XXXX without giving me any indication of when this nightmare will be over. 

Thank you for your help.
Product: Debt collection

This letter serves as a follow-up to my previous dispute letter regarding the charge-off account associated with [ # XXXX ], which I originally sent on [ XX/XX/year> ]. In my initial dispute, I outlined several specific requests for documentation to validate the accuracy and legality of this account 's reporting. Despite your response, the documentation provided does not fully satisfy my requests, as it lacks the required comprehensive details outlined in my initial letter. 
To reiterate, I am requesting the following documents and information to ensure a proper and thorough reinvestigation of my dispute : 1. Authenticated Double-Entry Accounting Records I requested full double-entry accounting records, including a detailed breakdown showing all debits and credits for this account, in compliance with standard accounting principles. Please ensure that the documentation provided includes authenticated evidence of this account 's debt validation.

2. Authenticated Evidence Based on [ State Name ] Law As mentioned in my original letter, I require authenticated evidence of your legal right to report and collect this debt, including original signed contracts or agreements proving my obligation to pay. This request also includes compliance with the [ State Consumer Debt Collection Law/Act, with citation if available ].

3. Permissible Purpose and Reporting Status Verification Verification of your permissible purpose for reporting this account is necessary, as well as clarification of the current reporting status. This documentation should demonstrate your ongoing legal right to report and collect this debt.

4. Documentation of Debt Securitization I request confirmation on whether this debt has been securitized or transferred to another entity, and if so, documentation that clarifies your continued right to collect and report on this debt. 5. 1099-C Form Request If the debt has been fo
rgiven, canceled, or settled for less than the full balance, I request a copy of the 1099-C form filed with the IRS, as required for cancellations of {$600.00} or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On my Experian Credit Report, After filing a dispute, the results showed items ( XXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. Also on Experian reported dated XX/XX/19, Items XXXX XXXX ( Acct # XXXX ) and also showed results showed item deleted. Also another XXXX XXXX ( ACCT # XXXX ) also stated Deleted. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. I did not receive this notification. On report datd XXXX, XXXX XXXX XXXX has an incomplete account number which violates FCRA fules XXXX as I have no way of knowing if it is mine. I would like your assistance with these issues. Thank you
Product: Checking or savings account

I read a post on local yard sale website that had a mixer for sale. Person asked for pre payment. The address and name was local. I XXXX  them XXXX dollars. When I confirmed with them the name and post was deleted. I realized the that I was scammed. On XX/XX/XXXX th XXXX dollars was taken out of my checking account. I alerted pnc right away and a claim was opened. A week later PNC sent me a letter stating that they found no proof that it wasnt legitimate. I sent PNC the phone number I sent it to and I actually called it. A man answered and said he doesnt know anything about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$4600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3200.00} ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Kingston Collections is reporting a balance of {$380.00} to credit bureaus without notifying me on this account. I have attempted to reach out to them via phone and I keep getting no answer/voicemail
Product: Vehicle loan or lease

I have paid off the loan ( principle and interest ) and contested the late charges, NSF fees and repo charge which are due by XXXX XXXX. The company has refused to reduce or remove the remaining balance.
Product: Debt collection

Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( c ) this law clearly states If a consumer notifies a debt collector that a consumer refuses to pay a debt, the debt collector must cease all communication. I have not done business with this company and this company has communicated a debt on my credit report which is in violation of said law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that you are reporting the wrong address information and names on my credit report. I am in the process of a new loan transaction and the error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. 
My current address is : XXXX XXXX  XXXX XXXX , XXXX MS XXXX Please remove the following address ( es ), names, phone numbers and Employment data from my report as they do not belong to me and are being reported in error : Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Wrong Phone Numbers : XXXX, XXXX, XXXX, XXXX, XXXX Wrong Employment Data : XXXX, XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received notification that I applied for a XXXX Credit Card Application number XXXX. I did not authorize nor did I apply for a credit card at anytime with XXXX XXXX or XXXX XXXX XXXX. This fraudulent activity has impacted my credit score and produced a Hard inquiry on my credit report. I rarely shop at XXXX  and never authorized the company to share my personal information or initiate any credit granting on my behalf. This act is clear credit card fraud and identity theft. XXXX  erroneously and egregiously attempted to utilize my information.